BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was offered, applied, and was accepted for the Covid-19 Forbearance program for my home mortgage with PHH Mortgage out of XXXX. XXXX, NJ. It was made clear to me that during the period of the forbearance process there would be no negative reporting to the credit bureau as long as there have been no delinquent payments. My mortgage payments have been paid on time with none delinquent. I have been on forbearance for less than the offered time. I've elected to catch up my payments via load modification, which was offered as one of the options.

I was instructed to make three payments at a specific amount and to do so by calling a specific number to make sure the payment went to the right account with the right amount. I executed all payments on time.

The loan modification was approved and I was informed that it was in the process of delivery. It did arrive, but I couldn't tend to it for about 5 days. The day before I began to review it, I received an email from XXXX informing me that I needed to review a change in my credit notification. It turned out to be 4 negative reports from PHH Mortgage Services stating delinquency of my mortgage. This is exactly what PHH Mortgage services cite they will not do. 

This pandemic has hit all of us hard and this kind of action from this mortgage company has caused me even more major aggravation, stress and frustration. This is fraudulent behavior. Proof of their agreement is on their website at https : XXXX and I have proof of the notifications of the report to the credit bureau as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions 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 XXXX shows up on my credit reports as charge off. Card was never payed late ever.

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 2017-12-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is fradulant trying to collect a debt that isn't owe to them.This same debt is with two different collection services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have sent a letter of debt verification to collection agency on XX/XX/2020 and they received it on XX/XX/2020. The agency didn't respond to my letter but stopped all communication with me for a few months but recently have begun to phone me several times a week. The phone calls began on XX/XX/XXXX and XX/XX/2020 and though this month as recently as XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On the evening of Friday, XX/XX/XXXX, I tried to give my daughter-in-law, XXXX XXXX XXXX, a gift of {$6000.00} to help her understand the beauty of saving for retirement. I have used PayPal since XXXX and have in recent years taken to using it to give my young relatives gifts as the young folk so rarely use checks. 

I think the PayPal transaction ID is : XXXX. 

However, XXXX is new to my address list, she and my son married this past XXXX, so things have changed since I last set someone up. Using my Android phone for the transaction, as I just recently did for my nephews ' XXXX gifts, I came to the screen to send. At the top was a grayed out button labeled " Goods and Services ''. I have since learned that I would have to push that button to get to a choice for Friends and Family. But that is NOT at all intuitive. And, then my thumb grazed the blue Send button and it was done. 

This mistake shorted my daughter-in-law {$170.00}! 

When she told me, we were in the same room, I tried to immediately reverse it as did she. I then struggled to find a way to ask for help. Through the PayPal Assistant Message Center I explained what happened and asked to have the transaction reversed or otherwise to eliminate the fee. I assure you, as I did them, no Goods nor Services were or are involved. I called the number too and both responses were that I should ask XXXX to call their 1-888 number to have this reversed. Given her working hours the next this could be done was XXXX evening. I filed a dispute and exchanged messages with them again this morning XXXX. 

The response, through multiple people in their hierarchy, was they were sorry we were unhappy, but the fee could not be reversed. They would return the {$5800.00} to me but never, ever could they refund the fee. It was extremely unpleasant to listen and join in on the call - from time to time we were asked to have the other of us call with the likely goal of getting rid of us. No change to this after filing the dispute. Again, its impossible to refund a Goods and Services fee no matter how sneakily it was collected! 

I am old, XXXX, but not inexperienced at using technology and the deceptive trick of selecting the grayed out Goods and Services did not occur to me. Then there was no review screen before finalizing ( in my case, grazing ) Send. I feel tricked and my trust misused. 

I want you to know I have used Goods and Services extensively through XXXX and other online transactions and appreciated its protections when Goods and Services were involved! But this is not this case! 

I ask you to restore the {$170.00} to either me or XXXX. 

I especially ask you to make PayPal correct their misleading menu to make it absolutely transparent which category- Goods and Services or Friends and Family- is being selected. 

Thank you, respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: General Motors Financial Company, Inc.
State: CA
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:
General Motors is incorrectly reporting me late. These payments were made on time. I don't know how they made this mistake, but the lates need to be taken off. I have a statement that shows I paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XXXX I sent payments totaling {$380.00} and was scammed. I never received the items or a tracking number and the merchant never responded to anymore texts when I kept inquiring. I attempted to contact Cash App support on numerous occasions but the only options they gave were to request a refund from the merchant. Which I did, they clearly scammed me and common sense they would not return the money. I disputed the transactions with my bank but XXXX XXXX/cash app refused to return the money to the bank. I have text messages and proof that the money was sent for goods that werent received or ever sent out. Cash app support is by email only and when they finally did respond they said they cant help with fraud even though the terms and policies on their website says otherwise. They never tried to investigate this fraud. Even though in order to open a cash app account social security numbers must be provided they are allowing thousands of customers to be scammed and providing no customer protections. This is the SECOND complaint from me. The first complaint was closed after this incompetent company responded to my complaint with another customers response letter. With her personal information and address and everything! Now shes compromised. Forcing me to have to open this second complaint because that incorrect response closed my initial complaint. ( I attached a picture of the letter they sent as a response to the first complaint with all of this womans information. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I was a victim of a fraud I mailed the identity theft report with a copy of my identification to all companies.

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 2020-01-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello as you can see I keep my credit good. Collection agencies put information that belong to me. I contacted them but they refused to listen to me and called my job. Its weird how they all did the samething. please remove this from my credit. its not mines XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$780.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} XXXX XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$55.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported :XX/XX/2020 {$1100.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$780.00}

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 2020-05-22
Company: Experian Information Solutions Inc.
State: CA
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:
I had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX  XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.

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 2018-09-20
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I canceled one out of the two pet insurance policies I have with pets best on XX/XX/2018. I was told I would be getting a refund for the canceled policy. The amount I was told would be refunded back to me was XXXX. Weeks go by and finally I see a refund of XXXX out of the XXXX. I called pets best on XX/XX/2018 and was given the run around. I finally called Us Bank on XX/XX/2018 and was told due to a fraudulent charge on my credit card the fraud department blocked the refund so it didn't go through and I never received it. US bank never told me nor was I ever notified about the refund being blocked and not going through. The customer service representative was rude and unhelpful and did nothing to help the situation and she told me I can't dispute the transaction and need to contact the merchant.

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 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I disputed the referenced accounts in XX/XX/XXXX. The TransUnion credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that TransUnion had placed XXXX XXXX and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which TransUnion did receive. TransUnion removed XXXX XXXX and XXXX XXXX from my TransUnion credit report. I have included a copy of my TransUnion Credit report from XX/XX/XXXX showing that both XXXX XXXX  and XXXX XXXX had been deleted. I am demanding that both XXXX XXXX and XXXX XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that XXXX XXXX XXXX be removed and blocked from my credit file as well. I expect to have an updated TransUnion showing the removal in 30 days per law.

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 2018-09-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX case Number XXXX, the honorable Judge XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX Plaintiff Vs : Defendants : Experian XXXX XXXX I have tirelessly tried to reason with all three credit bureaus to no avail. I must now resort to suing them. 

Please See attached for full summons and complaint as well as leading ( not exhaustive ) supporting documents and arguments.

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 non-monetary relief
Consumer complaint received 2021-02-03
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Took daughter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. 

Received bill from XXXX and paid bill. 

Received surprise bill from XXXX XXXX XXXX XXXX. Explained to them that XXXX was paid directly and under Texas law they would have to settle any additional bill through XXXX. 

" Bill '' was sent to XXXX XXXX XXXX XXXX in XXXX, XXXX Have never heard of this business, nor was I informed that anything was referred to them. 

Then XXXX XXXX XXXX sends fictitious bill to Phoenix Financial Services. 

I disputed the results of them placing a collections on my credit report. The disputed item was deleted. 

I consider continued efforts to collect on this item when it has been paid to the ORIGINAL creditor, which is XXXX XXXX XXXX XXXX and when the item has been previously deleted from my credit report to be a form of harassment. 

This item needs to be removed once and for all from my credit report and these accounts need to be closed. I want letters stating that this item has been resolved and these accounts have been closed. 

Under Texas Senate Bill 1037, consumer credit reporting agencies are now prohibited from including medical debt collection accounts in consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: National Credit Adjusters, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently received an alert on my credit report showing this balance as current as of XX/XX/2021 ; Please send original dates of when the account was opened ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. W.S Badcock 636-63xxxxx,15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX acquired XXXX 's XXXX XXXX in 2014, read attached. 
XXXX XXXX has NOT reported my good account with XXXX 's XXXX XXXX card. 
Transunion has not recorded my good account on my credit report.

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 2018-09-20
Company: WELLS FARGO & COMPANY
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX calls me several times a day trying to collect a debt they said I owed from XXXX XXXX in XX/XX/XXXX. Ive never banked with XXXX XXXX in my life. They have called my wife, mother and me repeatedly and threatened me with a court summons. I have told them that they are mistaken and I asked for proof of the debt to be mailed to me. They refused and insisted I pay them. Most recently, they threatened to continue calling me all hours of the night unless I pay them. They call from numbers all over the country.

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 2021-02-04
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dept recovery solutions has sent me letters trying to say that multiple debts are mine they keep reporting multiple same amounts and same bill as different bills and stacking them on my credit. I have shown them that the debt wasn't mine so the responded with a letter trying to get me to say the debt was mine and giving out my personal information on the mail. Which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NATIONAL CREDIT SYSTEMS INC This company has placed themselves on my credit report Ive written email and letters requesting verification and time barrier on this alleged debt. I have never heard of them their open date is XX/XX/XXXX but I have never had a loan with XXXX nor have I ever been contact or reached. Why are the credit company verify debt but when I request it Im not getting any information. 

Please have them remove this debt as I feel this creditor is lying about the debt and the what it is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 have disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the credit bureaus.

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