BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TekCollect Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i respond with a letter to tek collect, inc for a alleged balance of XXXX that i dont owe nor have any dealings with.they never responded back to my certified letter w/tracking # XXXX XXXX XXXX XXXX XXXX this is inaccurate information and needs to be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Opportunity Financial, LLC
State: IL
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:
XX/XX/XXXX this account is reporting OPEN, Negative & /or showing a balance after being included in bankruptcy XX/XX/XXXX which was discharged XXXX & closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Paypal Holdings, Inc
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Explanation of complaint against PAYPAL Account : ( XXXXXXXXXXXX ) PAYPAL re-charge of {$380.00} on XX/XX/XXXX to my XXXX XXXX XXXX Credit cardXXXX XXXX XXXX Account Number : ***************** ( mastercard ) I am filing this complaint against PAYPAL because they have recharged my XXXX XXXX XXXX ( XXXX ) credit card account on XX/XX/XXXX for {$380.00}, money that I do not owe to E-bay seller XXXX XXXX ( screen shot of XXXX page ). PAYPAL has not only failed to do a due diligence investigation into the seller 's account transactions, but they are charging me for a product that I had bought and returned, and which in turn the seller resold on E-bay. 

In response to B of A 's letter of XX/XX/XXXX where the back wanted an explanation of charges ( see attachment XXXX ), I faxed the bank the documents they requested where I contested the charge of {$380.00} that XXXX wants me to pay back to PAYPAL ( see attachment XXXX ). I wrote XXXX an explanatory letter about the charge of {$380.00} that I was contesting ( see attachment XXXXa and XXXXb ). In the documents that I originally faxed to XXXX I explained clearly I was disputing the {$380.00} charge because I had returned the item to the seller and PAYPAL account holder XXXX XXXX, which he received on XX/XX/XXXX, XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. ( see attachment XXXX and XXXX ), and which the seller subsequently re-advertised and re-sold on E- bay on XX/XX/XXXX for {$280.00} ( see attachment XXXX, XXXX, XXXX ). The seller is lying about not receiving back the item and PAYPAL has failed in conducting an investigation of their client 's claim. Instead, PAYPAL conveniently rebilled me credit card account with XXXX ( see screenshot of XXXX page ). I am also including all the documents that I originally faxed to XXXX ( Attachment copies A ) I would like PAYPAL to do their job competently and reverse the charge of {$380.00} from my XXXX account and not harass me with spurious claims from disreputable E-bay sellers like XXXX XXXX. 
Thank you, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to account # XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.

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 non-monetary relief
Consumer complaint received 2021-07-31
Company: CMRE Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent my first letter to CMRE FINANCE SERVICES , INC WITH NO RESPONSE AND ON XX/XX/2021 I SENT THE 2ND LETTER TO THEM FOR THE ALLEGED DEBT OF XXXX THAT I DON'T OWE. NEED ASSISTANCE OF GETTING THIS MATTER RESOLVED BECAUSE THEY HAVE VIOLATED BY NOT RESPONDED THE FIRST TIME WITHIN 30 DAYS. I HAVE MY CERTIFED MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX Experian Background Checking reported to XXXX XXXX on behalf of XXXX XXXX that my birth year associated with my social security number is XX/XX/XXXX instead of the accurate year I was born of XX/XX/XXXX. This is even with my correct birth year of XX/XX/XXXX reflecting on my actual credit bureau report from Experian. On XX/XX/XXXX I filed a dispute with Experian to correct this information as well as provide XXXX XXXX the correct information for their reporting to XXXX XXXX. That same day ( XX/XX/XXXX ) Experian completed the dispute but never provided XXXX XXXX with the accurate updated information even though it was requested from them every 30 days following and I also specifically asked them to update the company as a consumer. On XX/XX/XXXX I received a denial of employment from XXXX XXXX stating Experian never updated the correct birth year, they just deleted my social security number on the report and they also never provided the correct updated year of birth of XX/XX/XXXX. I immediately filed another dispute with Experian online as well as via email. Both times the disputes came through as deletion of my social security number rather than updating the actual birth year. I then sent correspondence to open a dispute via certified signed mail on XX/XX/XXXX of which was signed for by an Experian employee on XX/XX/XXXX. No action was taken by Experian other than once again removing my social security number from the report. No update was sent to XXXX XXXX even though I once again requested them to do so as a consumer. I am sending yet another letter to them tomorrow, XX/XX/XXXX as well as filing a complaint with you.

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 2021-07-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX But this account closed in XX/XX/2017 and pays that the balance is paid off

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 2016-03-08
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Designed Receivable Solutions did not send me any correspondence about alleged unpaid debt. First time I found out about them trying to collect is from checking my credit reports, where they reported collection accounts I do not owe. I wrote them letter stating that I did not receive any correspondence from them, requesting proof of any debt owed, and stating that the validity is disputed. They did not respond in any way. Failed to remove negative reporting from credit reporting agencies. I do not have any unpaid medical bills. Whatever they are trying to collect is a fraud and does n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report ( s ), I was surprised that Convergent was reporting an alleged debt with XXXX, which I had previously disputed with XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to XXXX, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: The Law Offices of Richard W. Krieg, LLC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My name is XXXX XXXX. I am a college graduate of XXXX University XXXX of 2012. At the time of graduation I like many other students was not able to secure a good job. Over the last three years I have moved from being unemployed to underemployed and back again. I graduated with roughly {$100000.00} in student loan debt from various sources. For the federal and private bank loans I have been given forbearance and deferment. However for my loan through the XXXX ( {$39000.00} ) I was not granted the standard grace period of 6 months to 1 year. My loan with XXXX has since gone into default. The loan has now been handed over to the Law office of XXXX XXXX in XXXX, NJ. XXXX states that there is no loan rehabilitation with them and they wo n't help.I have emailed XXXX XXXX XXXX who is in charge of the NJ Class student loans and petitioned her to see if I could make a more reasonable payment. After speaking with the law office and making a good faith effort to start paying off my loan they did not give me a reasonable amount to pay. They were asking for nearly {$800.00} a month for 10 years which I could not possibly afford with bills and other student loans that I will have to pay. I now have a good job and would be able to pay them $ XXXX/month however they were not willing to listen. My sister was a cosigner on the loan and has also fallen on difficult times recently and they are garnishing her check. I am asking for any assistance you could provide me with. I worked very hard to graduate from a great university and financial hardships after graduation impeded me repaying my loan but I am willing to get back on track with a reasonable repayment plan. The law office now is not being responsive to my call or the calls of my sister, I believe that since they are garnishing my sisters check they do not want to speak. Please help in any way that you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
THIS IS MY SECOND COMPLAINT! The first one was submitted on XX/XX/XXXX. 
I am a victim of the hurricanes that happened in XXXX, as well as XXXX. Previously, when I submitted my complaint it was regarding the credit reporting for XXXX  XXXX XXXX and XXXX XXXX. In reviewing a copy of my current credit report I find inaccurate information relating to both these accounts. I have tried contacting XXXX  XXXX XXXX and XXXX XXXX, as well as, speaking to the credit bureaus, Experian, XXXX  and XXXX  regarding this issue. No one is resolving the problem! 
First of all, the XXXX  XXXX XXXX account reflected on Experian was corrected after my dispute to show a charged off, closed account which was last updated in XXXX, XXXX as a charge-off instead of an update in XXXX, XXXX with a separate charge-off for the month of XXXX, XXXX, XXXX, XXXX. Now, today the account shows a status date of XXXX, XXXX with a balance updated XXXX, XXXX and two separate charge-offs for the months of XXXX and XXXX. The report shows a charge-off in XXXX, XXXX but does not show anything for the months of XXXX, XXXX thru XXXX, XXXX, then it shows charge-offs in XXXX and XXXX. This information is inaccurate and confusing! 
Next, XXXX  shows the account as a closed, charge-off account with a status updated XXXX, XXXX and charge-offs on the months XXXX, XXXX, XXXX, XXXX, XXXX. The account is closed. The charge-off was made in XXXX, XXXX. They should not continue to report a charge-off. Re-reporting the charge-off every month is ruining my credit. The hurricanes, the pandemic and this inaccurate credit reporting will end my business! 
XXXX XXXX  just continues to show the account as charged off every month. So far, for the months of XXXX, XXXX, XXXX, and XXXX, XXXX. They did not try to resolve the matter when I disputed it. 
PLEASE SEE THE ATTACHED DOCUMENTS.

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 2021-07-31
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclays ( jetblue ) credit card deposited a {$3600.00} check that was sent from XXXX XXXX XXXX XXXX on behalf from a personal loan I applied for in order to consolidate credit card debt. Barclays has not applied the funds to my account yet they freely deposited it into their own account. Barclays said it will take up to 3 billing cycles to resolve the issue which will equate to late fees, credit delinquency, and accrued interest. 
My first goal is for them to apply my money to my account. I am now paying interest on the loan from Seasons and the credit card. The second is to hold them accountable for the fraud they have willingly engaged in, deposited funds without accounting for 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 2015-05-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I received an e-mail from PayPal on XX/XX/2014 offering a {$50.00} statement credit for opening a PayPal Extras MasterCard account and making {$100.00} in purchases by XXXX XXXX, 2014. I complied with all of the terms, but still do not have the {$50.00} credit. I 've called them several times, but they always say " next month. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
On XX/XX/2020 a collection letter was sent to me by Portfolio Recovery add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account legally

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Nelnet, Inc.
State: FL
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 been paying on my private loans for 8 years now without ever missing a payment. According to my financial history as provided by XXXX XXXX XXXX, I graduated with {$26000.00} in private student loan debt. To this day I still owe {$25000.00} on my private student loans. According to those numbers I have only paid off less than {$1000.00} on my private loans in 8 years of on time payments. How are they calculating interest on these loans? I am having a very hard time believing that I 've only paid {$990.00} on these loans in 96 months of paying on them. This is clear fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Ocwen Financial Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX XXXX was taken out of our account illegally by Ocwen/Phh mortgage for the escrow account. We paid our taxes and insurance until late XXXX. We did not have an escrow for XXXX or XXXX. They now have fraudulently tried to paste the numbers in forged spreadsheets sent to me on XX/XX/XXXX. They have pasted numbers in different years trying to hide the deception. Just follow what I am showing you with the attachments. It's unreal. 

Here are the amounts they have stolen and now have committed fraud by covering it up. They sent me forged spreadsheets that do not match my past escrow documents. The fraud is so horrible I can not believe they did this. This over XXXX they have forged numbers in our escrow account. It all shows they repaid it then they subtracted it back out. It's disgusting. How is the government not shutting them down? This is our freaking mortgage they are destroying. I have complained over and over and nothing is being done to them. I had to sign a modification because they stole all our money from escrow. Okay, I am crying now. Then they charged us over XXXX in XXXX extra for the modification due to them stealing all the funds and making us delinquent. It's sick. They tried foreclosing on us in XXXX and the entire time they were taking money from us. We had to pay more than XXXX to stop the foreclosure. On XX/XX/XXXX they tried forclosing when we had paid all our payments. They were charging escrow when we didn't have one to foreclose us. It's criminal and I am just so upset about what they have put me through. I want help, please. LOOK AT ALL THE FAKE PASTED NUMBERS! Look at the 2 spreadsheets and you tell me how bad they steal. They charged me for insurance and taxes when I paid them! If they would not have stolen from us we would not have gone into foreclosure and had to pay XXXX for attorney plus XXXX for modification. I want it all refunded now. I want every fake NSF fee, late fee, long-form fee, breach letter fee, corp advancement fee, and all other stupid fake fees returned. 



XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation