BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX. Purchased my debt from midland credit on an account originally held by XXXX XXXX. I started communications with them in XX/XX/XXXX. I arranged with one of their representatives, XXXX XXXX, on XX/XX/XXXX and arranged to make a down payment of {$580.00} on XX/XX/XXXX, then monthly payments of {$220.00} on the XXXX of each month until the debt is satisfied. XXXXXXXX XXXX has deducted the down payment and each monthly payment since that arrangement was made. I have not defaulted and am current on our arranged payment schedule. 

On XX/XX/XXXX I was served a civil action for the full amount originally due. The lawsuit was filed on XX/XX/XXXX, after I had arranged a payment plan. 

I have called XXXX three times since I was served. I have left messages regarding the lawsuit. I was told by XXXX, representative, XXXX XXXX, that XXXX XXXX has to contact me before they can do anything. That was on XX/XX/XXXX. It is now XX/XX/XXXX. 

I feel that XXXX is harassing me and violating the Fair Debt Collection Act by arranging a settlement then suing me for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EVERBANK, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TIAA Bank in XXXX Florida has both of my home mortgages and I am in the process of selling 1 home. We close on the home in 8 days. I was never notified that TIAA Bank sold my mortgage to XXXX XXXX XXXX in XXXX XXXX, VA. I needed to obtain a payoff statement and make sure the last payment via direct deposit was received so we have accurate payoff amounts at closing. I was informed that TIAA bank at that time of my call was in the process of selling my loan and that I would have a new loan number with XXXX XXXX XXXX. I was unable to access my accounts through TIAA Bank as they said XXXX XXXX was now managing it, then I called XXXX XXXX XXXX and they told me that they we are in a " black out '' period and they have no information on my Loan that I should wait and see next week. Next week we are closing. I have escrow payments and history of payments that I can not access at either banks. This is not a seamless transition and I have no way of getting my loan, payment, insurance, property tax information and have no where to get this information. This is causing great stress and concern of where my money is and who is monitoring this and how can I get access to my loan information before we close in a matter of days. XXXX XXXX XXXX is no help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my husband went to purchase a sensor from an individual on XXXX. The guy selling it asked that my husband pay via Venmo by Paypal. We have used Paypal for years and have a level of comfort with it, knowing that they back their transactions and don't allow fraud. We have no compliants with Paypal. 

Apparently Venmo is the exact opposite. They allow scammers to conduct business with no consequences through their app. The individual selling the sensor stole {$430.00} from us and never shipped the sensor we purchased. We gave him a month to send it. We then requested our money back from him directly, which he never responded to until after we reached out to Venmo directly to resolve this. He declined to send the money back with no explanation. We asked our bank to report this as an unauthorized transaction, and they were unable to do so since it was Venmo for some reason. 

We then reached out to Venmo directly. They " investigated '' the transaction and basically said that we shouldn't pay people we don't know. They said that they don't offer any mediation or compensation because the user 's transaction was in violation of their User Agreement. Basically the only time they will recover funds from a user is when Venmo is out the money, NOT the consumer. They say that they have addressed this with the user, yet the user is still active to transact with other consumers. 

The Venmo user has re-listed his item on XXXX  to scam the next person into doing the same thing. 

Venmo did not remediate the issue, nor did we receive any sort of reimbursement for the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX, TRANSUNION, XXXX ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT

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 2018-12-04
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
I have been Dealing with nationstr who has taken over XXXX XXXX regarding my credit report. XXXX shows the acct open past due in XXXX balance of {$85000.00} due. The mortgage was discharged in XX/XX/XXXX. 
Nation star will not update the credit bureaus as they state they did not put it on the reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I was browsing on XXXX for a XXXX on XX/XX/XXXX and came across someone called XXXX XXXX who was selling them for {$150.00}. I sent an inquire to them and they sent me a this number XXXX ( XXXX XXXX XXXX to contact on XXXX XXXX. I sent {$150.00} to XXXX XXXX through zelle on the same day and he was using XXXX as his email. On XX/XX/XXXX he sent me a message saying that the store department that they got their XXXX from accidentally 100pcs of XXXX and that I owed them {$12000.00} after selling a majority of those XXXX. My intent was to use this XXXX for my own recreation not to sell and I for sure didnt want to buy them in bulk. On XX/XX/XXXX he texted me on XXXX saying that the XXXX have arrived in the U.S. and for them to get out of hold from XXXX XXXX XXXX XXXX I had to pay an extra {$1000.00}. A few days pass and on XX/XX/XXXX I decided I wanted a refund for my {$150.00} and he tells I have to wait for 14 days. Its been 14 days now on XX/XX/XXXX and now hes telling me I need to wait until XX/XX/XXXX, Ive now lost all trust in this company and I cant get my refund just from calling my bank so this is why Im taking it to these measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to get this resolved with transunion countless times in regards to the inquiries on my report. Customer service was of no help. I was a victim of the inquiry issue they had and they put the inquiries back on my credit file without notifying me by law. I want them removed. 

XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX TOTAL XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX of XXXX XXXX/XXXX/XXXX

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As I, XXXX XXXX notified Transunion, I am a victim of identity theft, I am not a credit fix it person or a agency as Transunion accused me of.

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 2019-05-30
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX ( XXXX ) XXXX Date Reported Opened XX/XX/XXXX Date Reported Closed XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$510.00} Company named above claims I have as : Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$510.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so ; 7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
so I changed my cards from the XXXX XXXX XXXX to the explore when I changed products I was informed I would not get the annual fee of the XXXX card until next year for the XXXX they charged me this year for it and because of the corona virus too I can't even really use much of the benefits this year and I knows that exactly was I told before ic hanged cards but no one will help me to waive the annual this year I have sent several email about it and no one want s to help I know what I was told and no one wants to believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 2 loan servicing companies XXXX and XXXX XXXX stating I owe loan. I contact XXXX and they insist that I owed them a {$4000.00} loan. I have never made any payment to XXXX. XXXX  states I have made 4 payments that I never have. I have reached out to University of XXXX XXXX and there is only 1 loan. I have been making payment to XXXX XXXX since 2013 only to find out they never sent any funds to the University of XXXX XXXX. XXXX XXXX has put a charge off on my account and refuses to address the funds they owe me. Both companies XXXX and XXXX XXXX are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of XXXX XXXX. XXXX is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to XXXX XXXX. XXXX XXXX say the loan has always been with them. The credit reporting company XXXX XXXX is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of XXXX XXXX neither companies have presented that loan lnumber.

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 2017-09-14
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX ) I attempted to transfer my Ultimate Rewards Points from my XXXX XXXX XXXX card to my husband 's XXXX XXXX XXXX XXXX account - note that these are separate account lines and not additional authorized user accounts. 

XXXX XXXX While this is possible online, the UR website returned an 'unexpected error '' whenever I tried to add my husband 's credit card in order to initiate the transfer. I called I called XXXX on XXXX/XXXX/XXXX to ask them to manually transfer. 

XXXX XXXX The agent informed me that I would need to add my husband as an authorized user to my card or vice versa in order for us to transfer and that she can not complete the request otherwise. 

XXXX ) Note that this option is not free - an annual {$75.00} is charged for this particular credit card to add an authorized user. 

XXXX ) The terms and conditions of the card clearly state that Ultimate Reward points are transferable within the same household with NO OTHER PRECONDITIONS - and my husband and I have the same billing and mailing address etc on file with XXXX. No where do the terms and conditions state that a transfer of UR points between household members requires the members to be authorized users! 

XXXX XXXX My husband had successfully transferred XXXX XXXX to my account from his on the same day without having added me as an authorized user to his account - so the solution in # XXXX can not be true. 

XXXX ) I calmly explained these facts to the agent who was unmotivated in arriving at a solution other than to tell me that I need to add my husband as an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I HAVE CONTACTED EXPERIAN SEVERAL TIMES SINCE XX/XX/2022 TO REMOVE A INVALID BANKRUPTCY FROM MY ACCOUNT. I HAVE CKURT RECKRDS ALONG WITH A LETTER FROM XXXX XXXX SAYING THE ACCOUNT IS INACCURATE AND UNVERIFIABLE AND NEED TO BE REMOVE THE CASE NUMBER IS XXXX, THEY REFUSE MY RIGHTS TO PRIVACY AND NEED TO BE HELD ACCOUNTABLE

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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 2017-12-21
Company: Midwest Recovery Systems
State: FL
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 have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: DRS Financial LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this due to non-compliance with the ( XXXX XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I was trying to send {$60.00} to my friend, XXXX on XXXX XX/XX/2020. While I was placing the transaction, Paypal website suggested that I should check the box ( Payment for service ). They left no link to explain the consequences of checking that box. All they said is that there will be a money-back guarantee. But they never said at the time of the transaction that the recipient will be charged a fee. Essentially, they tricked us to buy their service XXXX Money-back guarantee ) without disclosing there will a charge for that. All banks would disclose the fees at the time of the transaction. They will all do the math & calculate the exact number of transfer fees if any. Only when the customer consents to that fee, then it becomes legit. Paypal didn't do that. The transaction didn't give me any warning of any fees. It didn't even explain what XXXX Payment for Service ) means. This dishonest practice is tricking many users. Paypal has to be transparent about their fees at the time of the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Duane Morris LLP
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', Duane Morris LLP ( " Debt Collector DM '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of XXXX XXXX   XXXX ( " Debt Collector XXXX '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the  statement for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et  seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( XXXX ) said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector XXXX 's predecessor XXXX XXXX XXXX XXXX ( " XXXX '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on  XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling  {$15000.00} that were paid to and cashed by XXXX for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector XXXX predecessor XXXX crediting said payments to the subject account. ; and ( 2 ) Debt Collector XXXX, Debt Collector DM and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector XXXX predecessor XXXX without any legitimate reasons or explanation. 

Additionally, Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.

Company response to consumer: Closed with explanation