BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, Paypal took {$280.00} from my Paypal account and they can not explain why. I have called 16 times and asked for managers and supervisors over the past month and get different answers each time I call. They are trying to link it to a XXXX  XXXX, XXXX XXXX, who reserved our house back in XX/XX/XXXX. She paid a deposit on my Paypal account with a XXXX XXXX Credit Card in XX/XX/XXXX. Then she cancelled a few months later. We were out of the country at the time and could not refund her from my Paypal account because there were no funds in it at the time ; so we refunded her through my husband 's Paypal account ( XXXX XXXX ). When XXXX  didn't get her refund right away, she filed a dispute with XXXX XXXX, but then got the funds in a few days and cancelled the dispute the next day. Nearly 4 weeks after my husband paid her, Paypal took the funds from my account and told me they put it in XXXX 's Paypal account. For several weeks she looked for the credit and it never came. We have been in constant contact with her regarding this issue and she is also quite frustrated with Paypal who gives her different stories every time she calls too. She stated and proved to us and Paypal by sending a screen shot of her account that she never received the funds from Paypal. Also she sent to them and us proof that she got the refund from my husbands Paypal account and was not owed any money any longer. Then on XX/XX/XXXX, Paypal told XXXX  they sent the funds to her credit card by a " forced refund '' and that it would show up on her credit card statement by XX/XX/XXXX. It never did show up on her statement. Meanwhile Paypal told me they were " holding '' the funds to see what XXXX XXXX  would do with the dispute. XXXX sent them documentation proof that XXXX had cancelled the dispute. Each time one of us tries to refer to the others Paypal account, Paypal tell us they can not discuss anything with her or us since the other party is not on the phone and they keep telling me the same that they could not discuss anything since XXXX or my husband was on the phone and told him the same when he called about his payment to XXXX. 

Now, XX/XX/XXXX, Paypal claims that XXXX took the money from them because of the dispute and that they took it from me to recover their funds and told me to dispute it with my husband 's bank since he paid her from Paypal through his credit union. The credit union is confused and will not refund my husband because Paypal owes us the money. 

On XX/XX/2018, Paypal refuses to refund the money they took out of my Paypal account and I see no recourse for getting my money back. I have done research on the internet and found hundreds of similar and worse stories about Paypal. Seems no one is really regulating them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27
Company: Kriya Capital, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credence was sent a debt validation request and all they sent back was that the debt was verified. I was never sent any proof from the company that the debt is mine ( no statement, billing information nor anything with my signature ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I made a call to GC Services and made a {$990.00} payment for my father 's account ( XXXX # XXXX ). The representative took my payment and said there may be a small sum left over. A week or so ago I am called back by XXXX XXXX asking if I could cover the remaining of the balance. I informed her that I was not the account holder, and that this was my cell phone number ; never provided or gave them authorization to call. She asked if I had another number so I could reach my parents. I provided it, and ended the call. The next day she called informing me that she was trying to collect the payment. Again, I informed her this wasn't my account and that she needed to call the number I provided. Mrs. XXXX advised that there was a note to not call the number I provided, and asked if I could get a message over to my parents to have them call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Southwest Credit Systems, L.P.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text message from XXXX that I had activity on my credit report on Sunday XX/XX/2018. 
I signed in to my report to see a new collection from Southwest Credit Systems posted on XX/XX/2018 for {$300.00}. 

I then called Southwest Credit Systems asking why there was a collection from them on my credit report. The operator told me it was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX because I have a cell phone account with them and asked them why they had sent me to collections. The XXXX XXXX XXXX operator told me that I was in excellent standing and that I was not sent to collections by XXXX XXXX XXXX. I returned my call to Southwest Credit Systems and told them what the operator at XXXX XXXX XXXX had told me. The new operator at Southwest Credit Systems said my collection had actually been paid, {$300.00} and that the collection account was closed with them. The operator gave me This account number- XXXX This address XXXX XXXX XXXX XXXX , CA. 

I called XXXX XXXX XXXX back and asked them about any information linked to the above account number and address and they had nothing on record. I asked if they had any other accounts under my social security number and they had nothing. The XXXX XXXX XXXX operator also told me that XXXX XXXX XXXX would send me several notices in regard to my account prior to ever sending my account to collections for future reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
there some miss management on my loan, my loan was, with XXXX XXXX, then XXXX XXXX, and then, GMAC, then Owen loan servicing now. i have try to get help and all they are doing is working to take my home. i file a complaint with XXXX XXXX office here in XXXX and at that point they being trying take my home, i also went to a hub Offfices and they Still refuse me help FOR MODIFICATION, i put in for the hard hit and the refuse that. at this point in and very thing i put in for they deny for help, i am XXXX  and can not work and the refuse Everything to help me on my house, THEY TOLD HARD HIT, THEY WOULD NOT TAKE THE MONEY OR I DIDNOT QUALIFY, FOR ANYTHING THAT WILL HELP ME, TO SAVE MY HOME, I HAVE FILE CHAPTER XXXX, SO THEY WOULD NOT TAKE MY HOME, AS, I AM XXXX., I FILL DISCRIMINATE ON., MY LAWYER GAVE A CONSENT TO WORK WITH ME AND THE HUD COUNSELOR AND VERY TIME SHE OR I CALL THEY SAY THEY CAN NOT TALK TO COUNSELOR, OR ME, I JUST HAD TO FAX THIS PAPER AGAIN TODAY XXXX, WHEN IT WAS ALREADY FAX 'S OVER ABOUT TO MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a 16 year XXXX XXXX Veteran. I completed my XXXX XXXX while serving XXXX XXXX. I had XXXX subsidized and unsubsidized Stafford loans consolidated. South Carolina XXXX XXXX XXXX XXXX duplicated my loan amounts when I consolidated. My balance is double what I should owe. 

Deployments, moves, and life has happened over the years. I sent in a audit letter in XXXX, contacted them XXXX XXXXXXXX. I provided them with copies of my military orders ( XXXX Act, loan rate should have been decreased ). I placed the loan in forbearance, allowing them time to fix the issue. In XXXX I was notified that my account was given to the current holder XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX, NE XXXX Account .... 
Phone calls and letters to the Loan provider has not resolved this issue. Looking to gain your assistance to get my loan balance corrected, and lower interest back dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2018 Our Mortgage is current, and the payment is {$2000.00}, The Mortgage Company is Seterus, Inc.. All payments to Seteus are drawn through XXXX XXXX XXXX . Enclosed, you will find evidence which show that the payments were made. The Seterus Mortgage statements or letters show that the payments were made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX However, the Mortgage Company has returned the payments or not given credit to the payments ; making it appear that we are in arrears. Our paid YTD statement was {$12000.00} as of XX/XX/XXXX, and our YTD statement was {$12000.00} as of XX/XX/XXXX.

On XX/XX/XXXX paid -- -- -- -- -- -- -- - {$2000.00} On XX/XX/XXXX paid -- -- -- -- -- -- -- -- - {$2000.00} On XX/XX/XXXX paid -- -- -- -- -- -- -- -- - {$2000.00} The XX/XX/XXXX payment was made on XX/XX/XXXX, and the payment was returned on XX/XX/XXXX. XX/XX/XXXX payment was paid again on XX/XX/XXXX. XX/XX/XXXX payment was paid XX/XX/XXXX. XX/XX/XXXX payment was paid on XX/XX/XXXX. My husband & I are both Senior Citizens, and our income is derived from Social Security. We are both hardworking Americans. We are concerned that Seterus would send us a Mortgage Statement for {$8300.00} to be paid by a cashier check. All of our previous payments have been done through Automatic Checking/Speedpay. The Mortgage Payments are current except for late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LANIER COLLECTION XXXX XXXX XXXX XXXX, GA IS REPORTING TO XXXX CREDIT PROFILE A DEBT OF {$170.00}, WHICH HAS NOT BEEN VALIDATED WITH ORIGINAL SIGNATURE OR IDENTITY, NO ACCOUNT NUMBER. I WOULD LIKE THE DEBT REMOVED FROM MY PROFILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 i obtained my Equifax credit report. When I received it I noticed that I had 17 negative accounts and 43 inquiries reporting to my credit report of which none of them I recognize. 

Most of the collection accounts are from a company called XXXX XXXX XXXX representing various creditors, none of whom I have never done business with. Another collection account is from XXXX XXXX of whom I have never done business with either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX SERVICING # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ALLIED COLLECTION SERVICE ( 01 XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax apparently has my date of birth wrong. I tried to correct it over the phone after establishing my identity by answering multiple security questions. They refused and told me I had to write a request and send photos of identification. I then tried to use their online form complete with uploading the necessary images. They wouldnt accept the submittal. I then tried to simply order a copy of my credit report online as directed by Annual Credit Report .com and was told I could not - that I had to submit it in writing with certain documentation. This is crazy! No other creditor or credit reporting agency has this error. It is clearly a data entry error of Equifax and they wont even let me see my report without jumping through a bunch of hoops. If they would spend 5 minutes looking at the personal information submitted by my creditors or the other credit reporting agencies they could verify this is error is theirs and correct it. Apparently Ive made somebody at Equifax mad and now they intend to make me pay for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02
Company: eMoneyUSA Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I spoke with this company numerous of times they all remain unprofessional telling me to go get a criminal report from the police station they never sent me the proof the loan the local polixe told me they dont do those types of reports we have to hire a detective i sent emoneyusa a notorize letter that they claim they didnt get, i told them do they have proof a copy of my state issue id or driver liscence before they issue out a loan they response was you need to make a payment this company is fraud and unprofessional they let somebody take out a loan under my information and calls me and email me constantly to make payments, the bank the loan was issue to was a prepaid account in which they requirements they dont issue loans to prepaid accounts so why will they send a loan and not ask for the person to provide identification proof, and the loan was applied over the internet. Then on the proof of banks account they showing two different accounts one is an outline for one bank and the other is an outline for another bank that they said was used in loan issuing. This is an error and i have try negotiating with them numerous of times and they emails me back been rude and unprofessional. 


To delete this off my credit this account was created in fraud provide proof to me that they have my identical that it was me they told me the proof was the bank well the bank listed on the email is a prepaid account this company fail to even show me some kind of documentation just been communicated with me through email been unprofessional if you look at they website it clearly states that they dont issue loans to prepaid account and in which they say they verify that the bank account was mines well the loan should have been denied when they verity the bank because it was a prepaid account they didnt verify. I have file a dispute and ask that all 3 breaus ask that emoney provide them a copy of my identification card or drivers liscence that they can provide information that they issue a loan to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Portfolio Recovery reported they ceased all reporting to the credit bureaus but I have verified with XXXX XXXX and XXXX customer services they are still reporting this debt to these credit bureaus and there is NO REQUEST from PRA for removal. They have provided false statements to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BAY VALLEY MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied on XX/XX/XXXX for a refinance transaction with BAY-VALLEY MORTGAGE GROUP XXXX XXXX XXXX, XXXX XXXX, CA XXXX and it is now XX/XX/XXXX i have not received loan approval or any updates on file. i contacted XXXX the account executive XXXX and they are now stating i need to pay for rate extensions and a .5 % fee that fannie mae is now implementing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was penalized when I closed my account. I lost {$130.00} in rewards when I paid off my account and closed it because rewards are issued in XXXX. This cash rewards were not issued to me in spite of my good payment history during the use of my card. This is poor business ethics. The company is Citi Costco.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is saying I was late with a payment in XX/XX/2018 when I was not, my payment was made on time and should reflect in my credit report. Something was wrong with there payment system at that time and the XXXX app was not working properly. 

I hope youre doing well today. My name is XXXX XXXX, and Ive been a satisfied customer of XXXX for years. Ive always made my payments on time, but unfortunately, something made a mistake in XXXX of 2018. 

I understand how important it is to make timely payments. However, some kind of error or mistake happened. But Im confident this wont happen again. As you can see from my credit history, I have a long record of on-time payments before and since the late payment. I have even paid off my entire balance at one time. 

As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on XX/XX/2018. Please consider my track record as proof that I take my financial obligations seriously. 

If you have any questions, or if you would like to speak with me in more detail, please call me at my home or send me an email at XXXX. 

Thank you for your consideration,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I signed a lease for my a car with BMW of XXXX on XX/XX/2018 and was also sold a Lease Protection program that was built into my monthly payment. I was informed by the finance representative at BMW that I could cancel the lease protection and it I would receive a refund. This was also detailed in the contract that I signed. 

In XX/XX/2018 I requested to cancel my lease protection with the finance manager, XXXX XXXX, at BMW of XXXX and in XX/XX/XXXX I  was provided a form to sign. I returned the signed form via email to the finance manager on XX/XX/XXXX and sent a follow up email requesting confirmation that it was processed on XX/XX/XXXX. I received a response that it would take 6-8 weeks to process and that the finance manager would follow up with the cancellation team to confirm that my request was received. I did not receive confirmation. 

On XX/XX/XXXX I sent another email asking for confirmation of the status of my request, I did not receive a response. I sent another email on XX/XX/XXXX asking for confirmation of the status and received a response that the finance manager sent a note to the cancellation team to check on the status and he would respond to me with an update after receiving their reply. I did not receive a response. 

As of today ( 11 weeks since submission of the request ) I have not received confirmation that my request for cancellation of the lease protection has been processed or completed. I have not received a refund of the lease protection cost as outlined in the contract. I have followed up with several calls to the dealership but the finance manager has not answered the phone or returned my messages.

Company response to consumer: Closed with explanation