BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off a house last year and have an overage paid into escrow and can not get Ocwen to send the overage back to me. I have faxed, e-mailed, many phone calls and sent a registered letter demanding payment it looks as though I may have to take them to court to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX has updated the records as PAID IN FULL no charge off or any collection. NO settlement at all. i cant understand why they are not changing the records on the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19
Company: First Data Corporation
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We are repeatedly getting collection calls from TRS Recovery Services. The one time that we have called back and were actually able to get a person, they will not tell us what the nature of the debt is, who they are trying to collect the debt from, or give any other information that would be helpful in resolving this issue. When we receive calls from this company, normally we can not get a response from anyone and eventually it disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: First Credit Services 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:
First Credit Services is trying to collect a XXXX Debt, that i settled, and paid off to XXXX XXXX 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 2015-06-06
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection letter from American Medial Collection Agency for XXXX. Already explained that at the time of the service paid my percentage and the insurance covered the balance. They are still insisting for me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, 2016 Attention : Consume Financial Protection Bureau RE : ShellPoint Mortgage Service Corp. 
XXXX XXXX XXXX, XXXX XXXX Subject : Loan Modification [ XXXX ] Loan # XXXX To Whom It May Concern : My name is XXXX XXXX, I 'm filing an official complaint against the ShellPoint Mortgage Service Corporation who contacted me two months ago regarding my loan that is now in their possession. I attempted to work with them by letting them know that I would like to modify the loan to an amount that I can afford but they informed me that I can only do the following a repayment plan, short sale, transition assistance or pay the loan off completely. They are unwilling to work with me. 
For over five years I was contacting XXXX XXXX XXXX, to attempt to modified the Loan and every occasion they were refusing to speak to me because my name is Not on the Loan. My deceased husband XXXX XXXX XXXX was the only name on the Loan Note and I hold the DEED of TRUST in my name. 

In last two months after I received a several letters from ShellPoint letting me know that they are now handling the services on the loan and they are unwilling to work with me to modify the loan so I have contact XXXX for them to me assistance in Modifying my loan. 
XXXX XXXX XXXX is the Loan consultant and contact person at XXXX who is trying to work with me on this matter. However, ShellPoint continued to refuse to provide XXXX or myself with any information on the loan because XXXX of their ShellPoint rules, unless I take actions on their recommendations which are the following : repayment plan, short sale, transition assistance or pay the loan off completely. 

XXXX is working on a modification plan which will allow me to stay in my home that my deceased husband and I purchased together. I really want to stay in this home, I am retired and over the age of XXXX and with my retirement checks I have the means to make payments on my home as long as the loan is modified. 

Please advice me of my rights in this matter and I hope with your assistance and support it will allow me stay in my home. 

Again, Thank you in advance, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Email : XXXXXXXXXXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: PNC Bank N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Thursday, XX/XX/2021 I sent money to someone using XXXX. This person had sent me pictures of a kitten, signed a sales contract and was ready to deliver this kitten. Once delivery day approached I got a bit nervous as I hadn't heard from this person. The total amount was {$950.00}. I immediately contacted my bank and they said there was nothing they could do as this money was already sent to the person. I found this very hard to believe. How can a scammer continue getting away with this if the bank won't fix the problem? 

The bank is PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: NC
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:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: CL Holdings LLC
State: MN
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 XXXX was originally collecting a debt of XXXX from me which was accumulated when they continued to charge me monthly for a contract phone I was not using. I was on my credit account as a debt collection for two years than disappeared. It reappeared but this time it is under the company Jefferson Capital Systems. They sent me a letter saying they are offering me a discounted amount to pay off my debt which I did pay off in full. It showed that my balance was at XXXX. Now on my credit account they continue to have the account open and claim I owe them a balance of XXXX which is not correct. Now I am not so sure this is a collection on the behalf of XXXX XXXX, it is possible they could have found that information and are claiming to collect it on XXXX 's behalf. Now my credit score is being affected by something I paid off and I am not so sure my money was given to the right party. I have tried disputing it, but they keep lying even though I have provided proof of the letter and payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bank of America is holding me liable for a credit card debt from XXXX or XXXX. I have contacted this company and provided several documents to show that I never received a card to my residence which I have been residing almost 20 years nor did I apply, had no knowledge. I had never seen the application until filing a complaint. I have proven that a card was n't sent to my address. I have provided my signature as it does not match the one on their application. I stated about having a fraud alert on my credit report and indicated they did not contact me before granting credit. They claim they did @ at a number that I have never had. Then they claim something in reference to a XXXX account. I have attached the letter from XXXX financial indicating that the account did not belong to me. I sent this information to XXXX XXXX XXXX via email and called but did not receive a response. I should not have to turn to legal representation but I refuse to be liable for a debt in which I am not responsible for. I called and gave this company, Bank of America my address in which they never had. Bank America also submitted this debt to IRS as a charge off and they are charging me for a debt in which I never had any affiliation with. They also indicated about payments, I never paid this company nor authorizrd any payments.I have no reason to continuously go through this back and forth if I were n't being honest. I will suggest to Bank of America 's corporate office, they should obtain the party that is applying identification so they will have this on file as a more positive id of who is applying. This situation is stressful and ridiculous.

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 2021-05-06
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021, Company called to lower my interest rate on my credit card through financial institution. Transferred me to major Credit card issuing company. Did not asked to verify my information, stated they could lower my interest rate to 6 % because I was a good consumer. I asked which of my various credit cards have the largest balance. Gave lowest balance. They gave just enough verifying information to seem authentic, verified some personal information with them, then verbalize that I was no longer comfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Bank of America sent me a pre-approved credit card offer. I contacted them and told them I did not want the card with a limit less than {$10000.00}. The rep stated that they could not guarantee that so I declined the offer. Later that day received an email stating I was approved for a {$6000.00} credit line. I emailed them and told them I declined there offer for anything less than XXXX. They asked for a bunch of personal information " To process and increase credit line '' I declined and told them to close the account and remove the unauthorized inquiry from my credit reports. They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: KY
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:
Equifax has posted several credit inquiries under my credit report that I do not recognize. 
- XXXX -XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I am filing this complaint because all of these have negatively impacted my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX i sent an Estoppel by silence letter to Wells Fargo. to this day they failed to removed the alleged debt. I am seeking monetary damages for violations. Under 15 U.S code 1681b permissible purposes of consumer reports, I never gave Wells Fargo any written consent to report anything on my consumer report. No consent is identity theft. As a consumer by law this account must be deleted immediately. thanks!

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 2016-10-27
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
This company calls from XXXX a.m. to XXXX p.m. constantly, both cell, my daughters cell, and my home numbers. They will not work with you and will not set up affordable payment arrangements. I informed them I am not and did not co sign for the student loan yet they insist I did. They will not work with my daughter who is having severe financial difficulties. She is willing to pay but they want her to pay more than she makes in a month. They told her they do n't care if she eats or not and they do not care that she has other bills, a baby at home, daycare expense, etc. We have tried to block the number but then they call from another number. There are many numbers associated with this company and it is impossible for us to block them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Merchants' Credit Guide Company
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Requested validation of debt on XX/XX/XXXX, From Merchant Credit Guide Co, and received a response on XX/XX/XXXX. The response was only a print out of a bill of services that included protected HIPPA information. I feel violated that my HIPPA information was disseminated without my authorization and my signed HIPPA release form. Looking at my XXXX  credit report they have reported 4 times with 4 different dollar amounts with a different amount that is on the letter they sent me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 ACT # XXXX XXXXREPORTED 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... 

SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED XXXX ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. 
I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....

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 2021-06-18
Company: Paypal Holdings, Inc
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/Agencies ( Equifax, XXXX  ) and the Creditor ( DEPT ED/XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019, a fraudulent withdrawal was made from my bank account through paypal. I immediately contacted Paypal and notified the company that this was fraud. I asked that they ( 1 ) return the fraudulently taken funds, ( 2 ) change my account from XXXX back to XXXX ( the hackers changed the language ), and ( 3 ) close my account. Paypal debited my bank account the {$1000.00} that was stolen. However, the company placed on my account a negative {$1000.00} charge. I repeatedly attempted to contact paypal and speak to a customer service representative, but could never speak to an actual person. I also attempted to send the company emails. No action was taken to help me. As far as I know, my account is still in XXXX and has not been cancelled. 

Now I am informed that Paypal has sent me to collections so that it can recover the {$1000.00} that appears negative on my account, although this was an action taken by Paypal in response to fraudulent charges that appeared on my account in XX/XX/2019. I have not been able to speak to a single person since this ordeal started months ago. And I should not be required to send money to Paypal that I do not owe. I also can not login to my account to contact the company that way. They have been imposible to communicate with and now they have sent me to collections because of the response they took to fraudulent activity on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: Navient Solutions, LLC.
State: MD
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 concern is how the student loan repayments are calculated in an income driven repayment plan. I recently re-enrolled in an income based repayment plan with Navient. After doing so my student loan payments doubled what I was paying originally. I have contacted Navient and asked them if there is anything else I can do to lower my payments and they informed me that if I come out of the income based repayment plan that my payments would be higher. The only way for them to factor in only my income is for me to file my taxes married filling separate. I am trying so hard to manage my current student loan payments that is higher than my monthly mortgage payment and am wondering will there ever be a day any time soon when student loan repayments will be based solely on the income of the individual who has the debt and not the household income? Without me having to change how I file my taxes. After I pay my student loans I am unable to contribute anything else to my household. I am the only person paying back my debt, not my husband and certainly not our XXXX year old daughter. I understand the effects of having bad credit so I am working hard to ensure that I am not late or default on my student loans. I have even adjusted my tax deductions so that I could come home with more money to assist in taking the pressure off. I am asking, praying for some type of relief and pray that one day soon someone will hear my concerns and that of others and say maybe we need to rethink this. I appreciate you all taking time to read my concern. 

Thank you in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 'm handling the estate account for my deceased domestic partner. I went to Bank of America on XXXX XXXX, 2016 to withdraw the funds from his account to transfer into the estate account. The helpful and friendly employee helped me submit my initial request and I was told I 'd hear something from them in 7-10 business days. I heard nothing from BofA in the following month. I went back on XXXX XXXX, to see what was going on. BofA generated a letter on that date, which was in the account computer files, accessed by an employee at the branch. I never received that letter from BofA by mail. The same employee helped me submit the rest of the paperwork that was now required. We sent the notarized documents via fax to the appropriate department and I was told I would receive a check in 7-10 business days. I heard nothing from them in the next 5 weeks. I went back today, XXXX XXXX. I worked with the same employee from the second visit. She said that the department was supposed to contact the XXXX XXXX 's Court with a question, but they had failed to do that in the five weeks between visits. She was appalled, helpful and very apologetic. I do not understand why it has taken 3 visits and more than 2.5 months to get this resolved.

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 monetary relief