BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
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 permanently limit my account im been using my paypal account since 2018 but sad to now they block my account i have XXXX usd XXXX my available balance and i can't widraw my fund because of this limitation. I really need to restored my account for to able to continue and to widraw my remaining fund. I have an evidence screenshot that they permanently limit my account together with the proof of my balance.. 
Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I have the balance on my card for a year and the amount owed has not come down at all. I think this is robbery and illegal. I am making a formal complaint because this is fraud. To charge a customer to use an account and have them pay you back is bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed Chapter XXXX Bankruptcy over 3 years ago, but chose to keep my home and continue to pay my mortgage. I have been making my payments on time, hoping to quickly reestablish my credit after the bankruptcy. Unfortunately, my mortgage companies ( I have a 1st and 2nd mortgage ) have not reported my payment history to the credit bureaus, so my credit score continues to suffer. I requested that they report the history, but both say they wo n't report because the mortgages were part of a bankruptcy. Neither mortgage balance was discharged during the bankruptcy and I continued to make payments all along. My current payment history should be reported to accurately reflect in my credit scores. I 'm unable to refinance my mortgages as a result of low credit scores. It feels like these mortgage companies are holding me hostages by keeping my credit score low due to lack of reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CRA is intentionally violating XXXX XXXX XXXX, Illinois consumer protection laws, Federal consumer protection laws, FCRA section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Concord Resolution Inc (Closed)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
there 's a company by the name of concord resolutions called me and left a recording on my phone stating that I have limited time to place a statement on file and i called to see what is was about and the guy told me a company I owe wants me to resolve it or they will take me to court and to my knowledge I do n't owe any XXXX I 've been getting these debt collectors calls for months paid them back but now that I XXXX this company and a lot of people has said this is a scam and they been having problems with them I want all of the calls to stop so please what can I do? I 'm tired of giving money to these people and knowing I do n't owe them I just do n't want to deal with the threats and the courts at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TrueAccord Corp.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I disputed that I owed the debt that XXXX claims I owe, and they acknowledged it and said that they would stop contacting me until they provided me with verification of the owed debt. A few days later, they continued collections actions. They also continued to email me despite the fact I requested that they send me only physical mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called this company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was allegedly for expenses after I moved out of the apartment at XXXX XXXX. After 4 months of requesting debt validation, I received the contract and the alleged invoice. I called the company and informed them that the invoiced items could not belong to me. According to the lease that was provided to me by the debt collector, the terms began on XX/XX/XXXX through XX/XX/XXXX. The lease was signed on XX/XX/XXXX. The invoice is charging me for items before my lease began and for items that were not done when I was in the apartment. I am being charged for items done on XX/XX/XXXX to XX/XX/XXXX when my lease did not begin!! When I moved in the apartment, it was already painted and cleaned. How can I be charged for painting that allegedly happened when I already moved in? No painting occurred while I was in the property. They are charging me for unit not cleaned on XX/XX/XXXX when I was already in the apartment! They are also charging me for early termination fees of two months and a half when I left the apartment 2 days before my lease ended! I called the debt collector three times and they said they were contacting XXXX XXXX and they never answered my calls. I explained to the debt collectors how is it possible that painting occurred when I was already in the apartment and how can the apartment be cleaned when I was in the apartment? I told them they had the wrong person and they refused to answer my calls and tell me what XXXX XXXX said. This is not my bill and I refuse to pay it. This is damaging my credit report and hurting my chances of purchasing my home! I need this deleted! It is not my bill!!!!

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 2022-05-14
Company: EQUIFAX, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX has violated my rights.XXXX XXXX Account # XXXXXX**************, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Meridian Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Meridian Financial Services Inc. has violated the FCDPA trying to collect old debt which is considered " Time Barred '' debts. The company has placed a lien on my credit report in the amount total of {$16000.00}. 

The debts were dated in XX/XX/2006 which is twelve years old and can not be collected, as it's considered a Time-barred debts.

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 2019-03-07
Company: MONEY SOURCE, INC., THE
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company continues to bill wrong account which generates " insuffient fund fees '' for them and the debited bank. Attemped several times in XXXX and XXXX to change the account on-line but the company claims to have no record of this action. A telephone conversation on XX/XX/XXXX revealed they had the correct account number ( last four digits ) but continued to submit billing to the account from the origination of the loan. Furthermore, the company claims to have submitted billing to the account on file but, but the bank stated no billing occured. I've incurred NSF fees from the mortgage company and the debited bank plus probably negative comments to the credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Letter addressed to " XXXX XXXX '', which is not me, at my address. Another attempt to collect a phony XXXX debt. I will attach their letter. Their web site allows no option but making a payment ; nowhere for an explanation ( in this case, that there is no such debt ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: NJ
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!

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 2016-01-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have on several occasions disputed an account on my credit reports. I have disputed this information with both the credit reporting companies and the collection agency themselves. I have asked for proper validation and I get absolutely no response. I am under the impression that this company has 30 days from the date my validation request is received. 

This company never responds and effectively ignores my request for any validation in regards to this account. I have disputed the amount, and address on file with this company. In every instance I have never heard anything back from this company. 

If I submit a dispute through the credit reporting agency. The agency reports that the debt has been verified as belonging to me. I am aware that the reporting agency uses a standardized system in validating a quick and efficient response. However, this is no way proves this debt as belonging to me or that the amount is in anyway accurate. 
I want this collection agency to validate my so called debt as outlined in the Fair Debt Collections Practices Act. 

They are required to verify this debt if they can not. Then I want this debt removed. 

The collection agency in question is Fair Collections and Outsourcing. Address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX XXXX since XXXX. Latest transaction that was put on hold was on XX/XX/XXXX amounting to {$140.00}. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account ( XXXX ) for my online business as an Online freelancing I paid through PayPal I make video and photo editing since XX/XX/2022. I am hoping that i will get back my account. Thank you and Godbless For identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contact ed Caliber Home Lo ans multiple times regarding an incorrrect balance increase they reported to the credit bureau and an increase in my escrow account because of an error of their end for the amount they set my escrow account at and also then paying the e ntire 2016 propert y tax amount when I did n't close on the home until  XXXX   2016. Ea ch time a representative assured me they will find the problem and contact me back. I was never contacted back so I started asking for a supervisor. A supervisor returns my call and assured me she would correct my problems and close my escrow account. I never heard back from her again. I started calling again. Exact same recourse. Another supervisor contacted me and the same spill. Never heard back from her again. My credit is still lower and they are charging me over {$150.00} a month extra each month and wo n't return my call or fix tne issues.     I have documented emails from differ ent Caliber representati ves and there is a customer survey that should be on file of all problems and errors I experienced at closing prior to this new issue. All phones calls were recorded so every minute of this should be documente d. Caliber has  spent my escrow account in error and now charging me more money, lowered my  credit score for a n incorrect balance increase and will not return an email, or phone call. Each new person says enough to get off the phone then ignores me and does not do what they assure me they will do. One representative even disclosed they do n't even have my proper uodat d closing documents on file that they messed up multiple times at my closing when we tr aveled 3 h ours for closing to almost not be given the keys to our new home. My next step will be obtaining legal counsel if this is not resolved and I 'm mislead once more about this being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a voicemail saying that I am a person of interest in a legal matter and need to contact them back within 24 hours so that no charges are filed against me. I called and asked what it was regarding and he said it was a payday loan that was issued by XXXX XXXX XXXX in XXXX 2011. But I did not receive a payday loan at this time. He continued that I needed to resolve it or they would forcibly recover damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 non-monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!

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 2022-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am making this complaint because I realized the FDCPA laws Effective XX/XX/2021, an amendment to Regulation F, says that a debt collector can't report a debt to the XXXX major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency. 

This company did not contact me or make me aware of this alleged debt specifically prior to placing it onto my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am constantly receiving calls from this company about a debt I know nothing about. I have requested they stop contacting me because they call before XXXX Now I have received a collection notice that states they have not heard back from me and the unknown debt of mine is steadily gaining interest. It appears to be for a hospital bill when I have double coverage and I am a recipient of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
Dear Sir/Ma'am, My account on Paypal was put on permanently limited and can no longer use it anymore. I am very sad because this is my new account open just in 4 days ago. And I made transaction on my online business. The payment successfully transmitted on my Paypal account. But after all Paypal sent an email decided to put on permanently limited my account without disclosing any reason why. 
I believe that it was a mistake to put on permanent limitations my account. I am using my Paypal account for my online business last XX/XX/2022 under Paypal account XXXX has stucked funds in it that I have to withdrawn asap for my y emergency purposes. I am hoping that I will get back my account and lifted my limitations to be able to transact business again with Paypal. 

For identity verification, I attached my valid ID and screenshot of my account on Paypal for your reference. 

Thank you and God bless Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My property was foreclosed XX/XX/XXXX ( judgement entered ). I contact my loan servicer, Ditech Financial LLC, on several occassions asking loan modification application after I was pre-screened on the phone if I qualify for a program. XX/XX/XXXX, I received a notice that a Sheriff Sale has been scheduled for XX/XX/XXXX. I contacted the loan servicer, Ditech Financial LLC, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to receive a loan modification application as the sheriff sale on my property was quickly approaching. I finally received the loan modification application on XX/XX/XXXX and a full packet of XXXX-page document was returned to Ditech on XX/XX/XXXX via Fax. Since then I did not hear anything from the loan servicer again. I called on XX/XX/XXXX ( 4 times and left messages to my assigned representative ), and on XX/XX/XXXX ( 7 times, leaving XXXX messages ). I finally got through to customer service at approximately XXXX. and I was informed that they will not review my loan modification application since it is so close to the sheriff sale of my property. 

I have called countless number of times since XX/XX/XXXX, I filled out online " contact us '' forms, '' and called at least 15 times in the last two months leaving voice mails asking that Ditech calls me and provides me with a loan modification application. They failed to do so, until the very last minute so that they would not " have to '' review the documentation and take away my home. Why???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with I have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account # XXXX

Company response to consumer: Closed with explanation