BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
The response by Paypal to my complaint # XXXX is horrible and plenty of false and misleading data. I am also very dissapointed with that CFPB closed that complaint as it should remain open. Therefore, this new complaint is a follow-up complaint. The first lie from Paypal is about an alleged email message supposedly sent to me on XXXX XXXX, 2015 stating the reason for the lifting. However, no explanatory message was emailed to me from Paypal. I also must deny that a copy of my XXXX XXXX was not submitted as I faxed it 3 times at least and its reception was confirmed in a phone call, which was answered by a VERY RUDE Paypal operator ( an usual trait in Paypal agents ). I am a US XXXX and the fact that during a period of time I logued in from outside the US was due to the fact that I had to travel overseas for the serious illness my mother was suffering. It is a BIG FALLACY from Paypal to conclude that I am a resident of another country because of the login sessions to Paypal .... for instance, it is not necessary to be a computer specialist to know that many Internet providers work with international IP addresses. Perhaps immigration offices should determine resident status based on Paypal loguin sessions : - ) Really Paypal behaves in a very stupid and childish way ( not to mention their self-opinionated ego ). Paypal did NOT act in good faith!! ALL the information I provided is true and valid and as a proof Paypal verified both US bank account and credit card. It is a BIG FALLACY and LIE from Paypal to state that there is risk associated with my account as I never had any dispute or payment challenged. My account is COMPLETELY risk-free as Paypal will never experience any loss with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/2016 I received a HAMP modification packet from Ocwen. Myself and the co-borrower filled out the packet and submitted as instructed. We received an approval letter and instructions to make XXXX trial payments to start XX/XX/XXXX. The payment was sent via next day air and was made via money order. The payment was received and signed for on XX/XX/XXXX but they did n't cash the money order until a week later. They did n't record/post my payment until it was cashed and marked my account late. I then sent my XX/XX/XXXX trail payment via regular mail on XX/XX/XXXX and paid via personal check. They did n't try to cash my payment until a month later, my bank declined the check due to the date so I submitted it again via overnight express ( tracking numbers can be provided as proof ). They successfully cashed that check but again, marked my account late. I then immediately sent a personal check for the XX/XX/XXXX payment on XX/XX/XXXX. I waited and waited and again, they did n't try cashing the check until the middle of XX/XX/XXXX and again my bank declined the payment due to the check date. I again sent another payment in but just last week they sent a letter stating that I had to resubmit the payment via certified funds. I did that via XXXX. Today I received a notice stating that they will not accept the XXXX payment for XX/XX/XXXX and it has been returned. On the letter they state that we are over 90 days past due and that is why they would not accept my payment. Throughout the trial period Ocwen would send multiple letters, each one coming from different Ocwen office/department. None of the letters matched the other and they all had different information. Ocwen has also changed my relationship manager 3 times within the last 3 months. Each time they changed my relationship manager, I called them to try and get accurate info regarding the payments being recorded late. Each time I was advised that everything was ok and the letters were being crossed in the mail. Also each time, my previous call with my previous relationship manager was never recorded so I had to start all over with every call I made. Now Ocwen will not accept the last trial payment ( that was due and payment attempt was made before the XX/XX/XXXX ) or our XX/XX/XXXX payment as they said we are 90 past due. They are no longer honoring the signed HAMP agreement and my calls to them have not resolved the problem. We are now at risk of losing our home again because Ocwen will not accept payment-they will only accept a full payment of over {$6000.00} that they state is overdue. Ocwen has also given my phone number out to various debt relief companies without my approval and these companies call several times a day every day. I have all of their letters, tracking numbers, certified funds receipts, and my returned checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Activehours
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have been trying to cancel my account with Earnin for weeks. They kept telling me that I had to wait for the debits to be taken out of my account even though they already took all the money out of my account that I owed them. Today I got a text message that they were sending me {$100.00} that I didn't request. When I asked them to cancel the unauthorized transaction and delete my account they refused. This is a predatory practice designed to keep people using the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was never given the options for for the income based repayment option. Only forbearance and deferment. They payments were always more than what I could pay. When I did ask about the IBR options I was told I would not qualify with the status I was in due to exaughsting forbearance and deferment options and I would have to pay back at an intolerable amount each month. After a year of rehabilitation got on a program where I could actually afford the payment. Since this option was not made available anywhere near the beginning of my student loans my debt has more than doubled. There is a large amount of service fees that were added and my credit score has been severely affected. I have only recently been able to get a car loan and the interest rate I had to settle for is well above the national average.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan balance increase each year after being deferred or on forbrance. My payments were high on my loans. I was told to put my loans on forbrance for and apply for a low income payment. My loans were suppose to be at XXXX XXXX but because of the interest my balance is XXXX XXXX. I do not know if you all can help. I did see in the night news that XXXX / XXXX did not inform students with the interest rate going up so high. I was XXXX of those students. I have not be able to purschase a home because my student loan debt has me drowning in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not recieve medical attention in 2019 nor would my actual medical records reflect that

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I do not understand how I owe so much money to XXXX/Navient. Upon graduating i owed over XXXX due to the insane amount of interest. XXXX had never disclosed the amount of money that i would owe upon graduation and I too like many others am suffering from an insane amount of student loan debt. Luckily, i was able to consolidate some of my loan debt elsewhere but still owe an astronomical amount of money due to their Unfair practices. Please help me understand why I owe so much money and lead me to the right place to get rid of some of the debt I owe. I will never be able to pay off these loans even with the amount of money I make now. Why do I have to suffer when I did the right thing and went to school for more education and finished and got a job. XXXX/Navient and all others really take advantage of young borrowers.I attended XXXX as well as XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I had a bal in my checking account of {$120.00}. On XX/XX/XXXX l checked account again and it showed negative {$400.00}. The pending transactions were a {$75.00} and {$450.00} auto payments. The {$75.00} payment was pending 1st and {$450.00} payment 2nd. I made arrangements to transfer {$400.00} into my account to cover amount short.. This morning XX/XX/XXXX checked bal and it showed {$400.00} deposit pending because it arrived after midnight, but they reversed the order of the 2 automatics and charged me two {$34.00} overdraft fees. When I called Chase bank to correct problem and at least refund the od fee for the {$75.00} payment, they refused stating it was there policy to pay the higher amt check first, advised her that the policy did no benefit me in any way, but allowed them to charge and extra od fee on my account. When I advised her that I had a screen shot showing the {$75.00} pmt pending 1st and the funds were there to cover it, she said did not matter because it was there policy to post larger amt Please help. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29
Company: Med-1 Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX in XXXX, Florida incorrectly charged me a {$40.00} co-pay for XXXX when the co-pay per contract is only supposed to be {$25.00}. I sent the collection agency a copy of my medical insurance card documenting the correct {$25.00} charge as well as calling my medical insurance company that informed me that the XXXX was using the wrong tax payer id number and that is why the charge was incorrectly billed. I have contacted the collection agency numerous times including certified mail but they continue to send me collection notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Southwest Credit Systems, L.P.
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:
The date on XXXX, southwest credit systems. Amount XXXX. XXXX XXXX XXXX Southwest credit system. 
XXXX XXXX number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Byrider Franchising, LLC
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am currently 12 days past due on my car payment. The day my car payment was due I called from a co-worker 's phone to advise my finance company of the exact date I would be able to pay. ( exactly 13 days from my due date ) I clearly informed my finance company that I was contacting them to keep them informed and I had no previous due balances. I informed them that I was letting them know so that no collection attempts were made. They are repeatedly calling my coworker, friends, and family to try to collect my car payment, and the day that I promised to pay has n't lapsed. Yesterday they called my coworker back to back 5 times in a row until she answered the phone and informed them to not contact her again otherwise she will press charges for harassment. They are embarrassing me to all of my friends and family and I 'm currently only 12 days late on my payment. This has also happened in the past when I needed to pay late. I 've never paid my bill later than 14 days past due. This is clearly harassment. They will text if no one answers the phone even after I 've requested to never be communicated via text. They are claiming to my friends and family that I have not communicated to them when I 'm going to pay, and they are stating that they are just trying to help me, however there is no help that they could give. I have asked to be switched to a monthly payment instead of a payment every 2 weeks, which would be helpful, however they are unwilling to do so. I am still planning on making my payment as promised however they will not cease with the embarrassing phone calls to my friends and family. I have requested that they never call my friends and family again in the past due to their embarrassing and harassing behavior and they continue to do so if I 'm ever late for a payment. I would understand the calling if I were months and months behind however they do this starting 3 days after payment is due whether I contact them or not. This can not be legal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have XXXX student loans. The first XXXX are in ok shape because they are federal loans with XXXX. I currently do an income based repayment with the federal loans and my payment is {$0.00} a month. However I have a private loan through Sallie Mae that is about to go into default because I ca n't afford to pay the minimum payment. Sallie Mae continues to hound me for money because my account is past due but still refuse to work with me on repayment. I am seriously considering filing bankruptcy because I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Contacted my mother serval times about my debt and gave her every single detail to the debt. Also told her she needed to pay the debt when she was not listed on the lease. She was listed as a emergency contact. Advised the company several times that she was n't on the lease. They continued argue with me about it. Saying she signed the lease. I spoke with the original creditor who also advised me that my mother was only listed as emergency contact as well. She said she would talk to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
This credit card company has been notified and knows there is a billing dispute. They have not done anything to correct the issue and they continue to violate the credit card rules and regulations. The balance and charges they currently show do not belong to me and not we 'd to be removed. They are reporting incorrect and negative information on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Optimum Outcomes, Inc.
State: NC
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:
XXXX sent a collection of about {$600.00} to a collection Agency in XX/XX/XXXX. This Optimium Outcome Collection company sent collection requests to all XXXX credit bureaus and damaged my credit score!!! The debt of {$600.00} has already been PAID OFF by my health insurance company in XX/XX/XXXX!!!!!!!!!!! I called together with my insurance company to XXXX ' billing department in XX/XX/XXXX, and they confirmed that it was their mistake and they had already received the payment in full in XX/XX/XXXX. I do n't know XXXX they sent to this to the collection agency again!!!!!!!!! I request monetary remedy from both XXXX and Optimum Outcome for damaging my credit with their mistakes!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: SC
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 did not authorize any of these transactions nor do i have any knowledge of these inquires XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX, Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: TX
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:
stuff showing on my credit report that are not mine please remove tham XXXX, XXXX, and experian inaccurate information

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 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have disputed with all three credit bureaus about the original creditor, XXXX XXXX, inaccurately reporting on my credit report. The results always came back verified, never with an explanation from the credit bureaus. I decided to dispute directly with the creditor and I was unable to get a response. I sent a dispute letter to the address listed on my credit reports for the original creditor. The mail was sent back to me as " not deliverable, unable to forward to address ''. If this is the case that means the credit bureaus never investigated my dispute which means there is nothing they could have verified. I do not think it is fair that the credit bureaus are allowed to continue reporting this inaccurate information. It is their jobs to make sure information is reporting 100 % accurately and anything inaccurately reporting must be removed. I am requesting this inaccurate account is removed from all three of my credit reports Transunion, XXXX and XXXX immediately! I would also like a letter and updated copy of my credit report once this has been completed.

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 2015-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, I XXXX had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. My identity was stolen. This has been ongoing for XXXX years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in didn't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I
 
 had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. I fought it and explained to capital one, yet the company sued me and has a judgment gaianst me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 my legal representative sent documents trying to verify the debt Second Round LP is trying to collect from me and also verify that they are legally allowed to collect in the state of florida. Their response has proven they can not verify the debt, are just trying to collect a made up amount of money from me and are not legally allowed to collect in the state of florida. This debt is also 8 years old and they are still reporting to the credit bureaus and have now ruined my chance of purchasing a house for the next year which means I 'll have to rent again and waste thousands of dollars I ca n't afford to lose.

Company response to consumer: Closed