BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-16
Company: WELLS FARGO & COMPANY
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:
XXXX XXXX XXXX XXXX XXXX XXXX is refusing to report my account accurately to the credit bureaus. I have called nearly 20 times, email and faxed this servicer and they continue to lie and give me the run around. I sold my property and paid the loan off in full. My payoff was {$600000.00} and I sold the property for {$630000.00}. I also received an escrow refund credit for {$1500.00} due to paying off earlier than payoff deadline. XXXX is refusing to report as a paid in full account. They are reporting the account was a settlement, clearly a lie, false, not true, fraudulent and damaging. This was not a short sale or less than full balance account, XXXX received every dime owed. When I call they even state the loan is paid in full and don't know why its being reported incorrectly. XXXX was paid off on XX/XX/2019 and they still have not reported the loan status correctly. They report it " legally paid in full for less than the full balance '' this statement is incorrect and fraudulent. Its also causing me harm and injury. I want this mortgage account status to report Paid In  Full XXXX balance!

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 2021-02-05
Company: Paypal Holdings, Inc
State: MA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Tried to purchase a XXXX  XXXX XXXX on XXXX. It was pad by PayPal. The purpose was {$96.00} then {$300.00} came out of her account. The credit card transaction was PayPal XXXX. PayPal said they have no record of this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXX and XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I did not authorize my credit to be ran on either of these days by any of the companies being shown.

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 2020-05-13
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I entered a search for a XXXX XXXX XXXX model # on XXXX XXXX and a website listed as XX/XX/XXXXappeared listing the Home theater I was searching for. The site showed a number of different departments and in the electronics department they showed the home theater I was looking for for sale for XXXX. I purchased it through PayPal and the funds were transferred from my debit account to XXXX. which shows on my PayPal account. Eventually I was told it had shipped ( presumably from XXXX ) to XXXX.California with a USPS tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered to the XXXX store where I receive all of my mail on XX/XX/2020. I was expecting a large box with the home theater system. What I received with that tracking number was a small envelope containing a cheap yellow whistle. Needless to say I was very distressed. As soon as I got home I went to the matastore website and was told it was a non-existing website. I immediately contacted Paypal and reported that the company was fraudulent and that they sent a cheap whistle and not the home theater I ordered. Since there was no way to phone PayPal and opened a case to get a refund for not receiving what I ordered. PayPal responed by telling me they would attempt to contact the seller at XXXX. 
On Sunday XX/XX/2020 PayPal sent me an email stating that my case had been denied because the seller responded stating the tracking number proved my order had been delivered. I have tried several times to contact PayPal regarding this to get them to look at what I paid for and ordered and what I received. Their response was that the case ( # XXXX ) was closed. 
I nearly always use PayPal for online purchase because they promise to always provide a refund if I do no receive what I paid for. I am very upset that no one from PayPal has followed through on this and checked this fraudulent website that ripped me off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
so i got unemployment and they put my money on this card well i have been with out a job for a while and my bills are pretty high so i go to get some money out of the ATM at the bank and it do not let me. I called the bank and stayed on hold for over a hour, talked to a person at the bank he told me it was a security thing so he fixed it and told me to wait an hour and it would work n it did that was the 2nd day i got the 2nd card they issued to me because the first card never came anyways that was that day i needed more money so i went to the bank and tried to do get my money and it would not let me well long story short for the last week and a half i been calling the bank and been put on hold for a hour to almost 3 hours on hold for there person that deals with this issue every day and today i tried to transfer money to my moms card and it kicked me out of the site and canceled my card too. Im staying in a hotel right now because Im homeless and i dont know what im gon na do to pay for this hotel. its is a inconvenience and i feel like i cant do what i want to do with my money. i need to pay bills and people i owe. My car is broken and i have enough to by me a OK little car or even fix the one i have but the bank holds my money like its theirs and only let 's me get out what they want me to get and when they want me to have it. Its a per payed, why is it a problem with me getting out {$2000.00} when i want or if i want to get more its already in there its not like its credit. i also read the booklet that came with the card and i told the lady, a lot of places dont take the bank card why is the when your paperwork says '' its taking everywhere visa and master card is taken " she told me that was not true and it did not say that. When i have the paper in front of me and it clearly states it on the paper that came with the card. I have had nothing but problems with this company its the worst bank i ever had.

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 2021-02-05
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on 5 occasions i asked for the credit agencies to validate the information that was being filed on my credit report. They did not comply but only sent me an updated credit report each time. According to the 609 credit reporting act the agency should have a copy of my application with a valid signature. They have not been able to supply me with this information to validate the debt.

The credit card company has also called my place of employment and disclosed that I owe a debt to my supervisor. This was very embarrassing. This took place on two occasions after I sent the company a letter requesting them to stop harassing me.

I sent them this letter because they were calling a friend of mine up to 10 times a day and were asking to stop calling and told them that they do not have my contact information. They refused and continued to harass my friend and myself.

I sent letters to both the credit card company and credit agencies on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. 

The credit card company only responded with the harassment of phone calls and letters threatening to sue me. The credit agency only responded by saying the debt was validated and sending me an updated credit report. 

On XX/XX/2018 I contacted transunion and was told the debt was validated ad there is nothing I could do about it other then pay it but the debt is not mine until i see a valid application and signature on file. There has been extensive use on the credit card that i did not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account was negative from bounce check I clear the negative balance they won't let me access my funds nor close my account and mail me a check

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice of a lawsuit filed against me by Persolve legal XXXX, authorized representative for XXXX XXXX XXXX. 
I requested documents to support the ( junk debt ) lawsuit filed against me, to date XXXX XXXX XXXX  and their legal representative have failed/refused to provide any of the requested documents ( Eg.. Application signed by me, the actual write-off amount by the original creditor, how much XXXX XXXX actually paid for the junk debt in dispute ) denying me my legal right to Due Process. 

Persolve legal XXXX  counsel XXXX XXXX XXXX ( CA state bar XXXX ) has used veiled threats, and intimidation tactics in an attempt to force us to accept their {$1000.00} take it or leave it offer without providing any substantial evidence to support Persolve legal XXXX  aggressive attempts to collect money XXXX XXXX XXXX may not be legally entitled to. 

I am asking for your help to help resolve this matter. I ask that XXXX XXXX XXXX and their legal representative Persolve legal XXXX  provide a copy of the original credit application signed by me, a  complete itemized ledger showing payment history, interest and fee charged, an unredacted copy of the leagl assignment XXXX XXXX XXXX recieved from the original creditor and copy of legal unredacted documenation showing what the original write-off amount of the junk debt in dispute was, and how much XXXX XXXX XXXX actually paid for the debt in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: NV
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:
the company wont let me login experian 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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
the company wont let me login XXXX transunion 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 2021-02-21
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Every time I call santander to process a payment over the phone with their customer service, my payments never processes and I constantly hit with a 30 day late pay on my credit score it have happen 4 different times. Everytime I submit an investigation it take me to call them no less then 5 times to get the situation resolved and they constantly claim they do not have records of my calls but every call is recorded and when I asked to have the recording pulled so they can see I called to do a payment it turns out I am correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 settled with XXXX XXXX XXXX for less than the full balance and disputed with XXXX and Transunion for this account to be removed. This account should no longer be reporting 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 2018-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 23 inquiries and a chapter XXXX from XXXX Alabama with XXXX. I have done my research and suggest XXXX do the same. Over half of these inquiries were done online and in Alabama. This is the letter XXXX  sent me. Let me share this i flew to Alabama to see a investigator in refrence to Fraudulent Activities on my credit report. As a result somebody in Alabama did this. At the time i was there i visited the court house in refrence to this matter. The clerk advised to call the reporting credit bureau .they didnt report. XXXX  see my cards from detective in Alabama .Please remove these inquuries and chapter XXXX immediately. I have Nevada id from XX/XX/2012 to present. Unless my name is XXXX. There is no earthly way i reside in 2 states and work a full time job in Nevada for over 5 years. Final attempt before i hire a attorney and file suit. For damaging my credit.

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 2020-08-28
Company: Experian Information Solutions Inc.
State: WI
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:
Recently I discovered after reviewing my credit bureau report that XXXX XXXX XXXX, a payday loan store and original creditor sold and charged off debt in the amount of {$5400.00} to ( XXXX ) XXXX XXXX XXXX XXXX XXXX. based on information obtained from my report this account was sold XX/XX/2016 and in accordance with section 809 validating debts of the fair debt collection practices act requires proof of the debt in writing. I have never received validation in conjunction with of the FCRA guidelines defined yet it is being reported on my credit bureau as verified as accurate ; no verification has been provided to demonstrate this company is licensed in my state to collect a debt and has been disputed with all three credit bureaus despite my request to obtain validation no response has been received. The information is being reported to all three credit reporting agencies is inaccurate and violates the FCRA ( S ) 1681 as 2.

This item remaining on my credit report is in violation of federal law. ( NCA ) has failed to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and section 611 ( 5 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA requires prompt deletion of all information which can not be verified. ( See attachment ). According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through the physical verification of the original signed consumer contract that all accounts posted on the credit report. in accordance with section 809 validating debts of the fair debt collection practices act requires XXXX XXXXXXXX XXXX to provide information concerning the debt is validated which is in direct violation of FCRA 1681S 2.

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 2018-09-08
Company: Receivable Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have or owe a debt to Receivable Recovery Services LLC. 

I asked for a signed contract with my signature and personal information to prove that I have a " relationship '' with them. 

I asked Receivable Recovery Services for ANY evidence of this " apparent '' debt from the original debtor ( in which I do not owe them ). I asked for verification and any signed original documents with the apparent creditor. 

I have not received ANY of the above mentioned items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: The Bureaus, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/19. They said that Bureaus Investment Group Portfolio NO 15 LLC has purchased an account ending in XXXX from XXXX XXXX XXXX   and they will be helping to collect the debt. I had within 30 days to dispute it. I never received a letter from XXXX  XXXX or Bureaus Investment Group Portfolio NO 15 LLC. I responded to XXXX XXXX XXXX XXXX XXXX with a certified dispute letter dated XX/XX/19. The receipt number is XXXX XXXX XXXX XXXX XXXX. They received it on XX/XX/19 at XXXX. I waited a month for a respond. They ignored my dispute letter and sent another letter dated on XX/XX/19 offering to settle the debt for 79 % of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid and it is still reporting, please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/18 I contacted Ocwen loan svcs to pay my mortgage electronically by phone which I have done many times over the past 11 years, however this time it did not allow the call and transferred to a human. The rep on the phone told me my husband needed to authorize me so he did, she then said no he needed to put it u n writing. I then told her I am simply giving you money and not looking for any information i want you to take the mortgage payment directly from my account like you have done for the past 10 years.

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 2023-01-09
Company: Freedom Mortgage Company
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
FREEDOM MORTGAGE is attempting to foreclose on my home in XXXX XXXX XXXX XXXX CASE NO. XXXX ( SEE ATTACHED DOCUMENTS FOR REFERENCE ) this action and case and foreclosure is an act of fraud and a crime under title 18 USC as FREEDOM MORTGAGE ACCOUNT # XXXX has been discharged in bankruptcy court case no. XXXX, therefore FREEDOM MORTGAGE IS commiting fraud and in violation of a federal court order

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 2018-07-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My wife and I had a mortgage foreclosure in XX/XX/2011. It still shows on our credit reports and should not. The sites do not have a link to ask that it be removed. I think this is deliberate, to discourage communication.

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