BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-16
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
ideal collection stepped in trying to collect a debt in an inproper matter and not and threatened to take legal action as if it were a suit. when im in a suit with XXXX as the defendant and em as a plaintiff for funds thats owed to me and slander on a contract leased and not delivering agreement back like should.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Morning, I am submitting a claim against IC Systems collection agency and there effort to collect on an account that is current and not past due. This company has been trying to get me to pay on my cell account that I still have to this day sating that XXXX told them this account is closed and past due. This morning I went online and saved the statement and it has a credit and nothing owed. Please also IC Systems has put a derogatory collection account on my credit reports that has damaged my credit and needs to be removed immediately

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 2016-10-30
Company: Paypal Holdings, Inc
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
This situation revolved around who ebay and Paypal interact with one another. My understanding is that at one time the two companies were one. They have since been separated and ownership for each is totally independent. However, ebay 's money transaction service is still Paypal. Even debit/credit transactions that use, for example, a XXXX debit card, are processed thru Paypal. They are many rules that are in force by both ebay and Paypal that determine when the funds are collected from the buyer and when the seller receives the funds. For example, I am a buyer on ebay, I purchase an item from a seller using my XXXX debit card. The funds are immediately withdrawn from my bank account. There are many paths that a transaction can take before the seller has there Paypal account, you can not have your mastercard debit card credited, it must first go to your paypal account and then a request can be made by the seller to have their debut card credited. 

Ok, that is a brief description above of a given process. There are many processes that ebay and Paypal use, depending on their rules and regulations as the time the seller receives the money, first in their Paypal account, which pends the money, in most cases 10 or more days, and then is available to the seller. In the meantime, the dollars remain in either an ebay or Paypal account. That is a lot of money, held onto by these companies before the transactions are completed and the funds that were taken from the buyer and given to the seller takes place. 

IS THIS LEGAL?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I checked my credit report on XXXX and noticed a XXXX balance from a company called Prosper Market Place. I have never heard of them and have tried to contact them but have been unsuccessful. A payment of over {$100.00} dollars was taken out of my checking account recently. I know nothing about this company and.have not opened an account with them.

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 2021-12-17
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are trying to refinance and Dovenmuehle has been uncooperative. They refuse to provide proof of your payment history and even lied that we were never in forbearance. I have attached supporting documentation and our records show we paid in full and reinstatement should be issued. However we were never in forbearance as described in the letter. 
This is a high Point interest rate and that they are trying to block our refinance. 

I have requested multiple times a payment history of up to 24 months as required by our under writer. They refuse to fax over the correct information and provide the information in a timely manner. We need to close on this refinance today and their inability to cooperate is costing and denying us financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, my name is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, CA. phone number XXXX. Approximately one year ago was was laid off from my place of employment. I immediately notified my Mortgage company, Ocwen Loan Servicing. LLC. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX, phone #. XXXX, Loan # XXXX. They told me I was eligible for a loan modification. They said they would help me by sending me the necessary documents. They did and I filled them out. I also asked for help with XXXX, ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. Ca. XXXX A very nice woman named XXXX XXXX was assigned to my case. Her phone number is XXXX ext. XXXX. She worked directly with Ocwen, they worked together to get the Loan Modification. They told her I would definitely get the Loan Modification. But unexpectedly, I was turned down. They said because I was on Social Security and did n't make enough money to be approved for the Loan Mod. My SS is $ XXXX/month and I also get $ XXXX/mo from another home I own that I rent out. Altogether I make a total of {$3100.00} per month. We told Ocwen this and they even said that was enough to get the Loan Modification. XXXX told Ocwen that they notified her that the money I made each month would be enough to get the Loan Mod. Also XXXX XXXX applied for XXXX, XXXX, for me. I was approved by XXXX for approx. {$25000.00} which would have more then paid what I owed Ocwen. But Since Ocwen did not approve me for the Loan Mod, I could not get the {$25000.00} from XXXX. Ocwen admitted to XXXX XXXX, that I should have gotten the Loan Mod and that it was THEIR ( Ocwen 's Error ) that prevented my getting the Loan Mod. Ocwen told XXXX XXXX they would apply again for me to get the Loan Mod. Therefore, XXXX XXXX also had to apply again to XXXX for the monies to pay off my loan. Both XXXX XXXX and I have been working with Ocwen for the past year. Ocwen told us that they definitely would not foreclose on me because of their error. But today XXXX XXXX, 2015, I got notice that Ocwen was starting Foreclosure proceedings against me. Ocwen has constantly lied to both XXXX XXXX and myself during the past year, making it very difficult for me to get the Loan Modification. I definitely need your help very much to right this wrong and to save my home from Foreclosure ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Bread Financial Holdings, Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Central Portfolio Control Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One day they called 3 times within 5 minutes, another day they called 4 times within 20 minutes. Recently, they will call, then 1 minute later call again, doing this multiple times a day. They call excessively when I'm at work, never leaving a message so I know who they are or what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: CITIBANK, N.A.
State: CT
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 2015-06-22
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For over 6 months we were trying to get answers as to why so much money {$1500.00} was going into our escrow account. It exceeded our yearly payments by {$5800.00}. At XXXX point our escrow balance was over {$12000.00}, with XXXX continuing to be added each month, our yearly payments from escrow are {$13000.00}. We asked for an escrow analysis and never received XXXX, never received calls back and would never get any answers to any questions when we called etc.. We also believe we were over charged a number of times with PMI , it was taken out XXXX in XXXX of 2015 at {$240.00} each when PMI is supposed to be paid XXXX a month. We do n't have much paperwork because any time we requested it, it is not sent or is sent missing information. Our mortgage was raised to a large amount a month {$3100.00} and no one could explain why. We believe Ocwen Loan Servicing , LLC broke laws in regards to escrow and has stolen money from us by overcharging PMI and taking our money within the escrow account. Once we really started calling daily we were sold to a new company, XXXX. However when we received our escrow closing statement it only included two months in it, not all 12 months like it should have. On the closing statement it shows the PMI being taken out XXXX in XXXX month ( XXXX ), who knows how many other months this has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: STERLING JEWELERS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call saying that I was being served through my old county that i lived in. The caller said she will serve me at a certain time and if I did not accept or was n't there they would proceed to court. They left a number to call with the debt collector. I called and worked out payments. i did call the county that they said i was being served in and the courts said there was no such file against me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: SUNRISE CREDIT SERVICES, INC
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call around XXXX from this company stating that I owed them money for a bill that was not mine. I told them I had sold my house and the debt was not mine and I wanted the bill validated and not to be contacted until then. I did not hear from then. Fast forward to XX/XX/XXXX. I received a notice that there was a collection on my credit report. It was from them. I called them up and spoke to a XXXX XXXX? I told him the debt was not mine and if they had validated it yet. He told me it was up to me to prove it was not my debt. When I asked if they were legally obligated to validate the debt, he told me no. He listed XXXX address that were not mine and got very upset when I asked to speak to a manager and refused to transfer me. They clearly broke the law by not validating the debt after I asked them to and than again when he lied to me stating it was on me and not them to validate 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 2022-10-15
Company: EQUIFAX, INC.
State: CA
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 account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I requested Bank of America to reduce my credit card interest rates, pointing out I'd made regular, timely payments for many months. My request was refused. This means I pay interest just short of 30 %, a usurious rate that means paying off my debts is nearly impossible, especially during the current epidemic.

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 2022-05-06
Company: Experian Information Solutions Inc.
State: PA
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:
MY NAME IS XXXX XXXX I AM MAKING THIS COMPLAINT ON THE BEHALF OF MYSELF WITHOUT ANY THIRD PARTY OR INFLUENCE PLEASE SEE THE ATTACHED DOCUMENTS AS THEY STATE MY FULL COMPLAINT

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 2021-12-17
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have items on my credit report that are showing negative I have sent numerous complaints to the credit bureaus for clarification and I have not received any responses wether by phone mail anything I have also ask for clarification from the alleged creditors at which time I was told if I dispute these items I would be sued which is against the fdcpa false or misleading information I learned this after I did some research

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have items on my credit report that are showing negative I have sent numerous complaints to the credit bureaus for clarification and I have not received any responses wether by phone mail anything I have also ask for clarification from the alleged creditors at which time I was told if I dispute these items I would be sued which is against the fdcpa false or misleading information I learned this after I did some research

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 2022-05-06
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
shellpoint mtg. denied the approved gov assistance of XXXX and to help keep our home wife totally XXXX salary cut in half XXXX XXXX XXXX XXXX XXXX XXXX XXXX i XXXX lost 2 jobs due to covid XXXX we have XXXX boys XXXX in college and the other in the elementary both on honor roll all we ask for is assistance to keep our home to avoid being homeless we always have lived paycheck to paycheck but never went this far. 


sincerely the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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 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 an 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 explanation
Consumer complaint received 2016-06-17
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During the XX/XX/2015, we decided to look for a better mortgage loan than our current one. It was an FHA loan with a modification and a first lien of {$150000.00}. After searching and reading we decided on Flagstar Bank. Our monthly payment was {$2300.00}. Two months after we had signed escrow papers and started monthly payments we received notice that escrow had made a mistake. They had included only the first six months of our property taxes. Our monthly payments were going up {$500.00} each month for the life of the loan. I asked if they had any suggestions or could help us and I was told I could sell the house. I was upset that we had paid {$7000.00} in escrow fees just to gain a monthly payment similar to the previous loan. 
I started to look into alternatives such as : " Keep in California '', the State Controller 's Office, XXXX, the XXXX, and HUD counseling. We were told we had too much money ; we were told we needed to go in with another person so we would have enough money ; and they did not like that we had used XXXX services. We did not have any money removed from the accounts, but a few accounts lowered the interest rate. 
At the same time we tried to work with Flagstar. We were assigned a Flagstar representative to help us, but she never called or e-mailed us. I finally asked Flagstaff if they could extend the new payments. They did so for one year. Later, I found out that they could have extended the payments for up to five years. At the same time they sent us a streamlined refinance, but it still had a large monthly loan payment. I currently am waiting for another loan, but have not heard anything about it. 
We also were given a compaints officer from FHA who sent two e-mails and a call saying that she was waiting for Flagstar to finish looking over the escrow papers. So far, this has taken almost three weeks. FHA referred me to our complaints officer 's supervisor who never did call us.

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 2021-12-17
Company: EQUIFAX, INC.
State: MD
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 recently reviewed my credit report and have noticed some accounts that i am not responsible for. I disputed with the companys responsible but did not get the results expected. See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal close my account for no reason and will not help me with getting it back up and going and I'm not sure this is a mistake as I assume it has, I have not been able to get help please help me to restore my account because I know your good ability for this kind of help, so this is my PayPal 's email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been having issues with security checks. It keeps saying my number isnt supported for weeks now. When I called support today, the lady 's agent said she had removed the security check of my account and tried again in 48 hours, but I am still having issues. Would you please fix my issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Resurgent Capital Services L.P.
State: CA
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:
I filed paperwork for an investigation into a company called LVNV Funding over a year ago and never heard back because I did not file a complaint with the police. It shows up on my credit report still. I do not know anything about this company or I have not taken any loans out through this company.

Company response to consumer: Closed with explanation