BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-18
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
When Paypal took over Bill Me Later, I was not notified and they let me charge XXXX dollars over my limit without ever notifying me the account was taken over by them and I had gone over my limit. When I found out, and I can not remember when or how, someone had already stolen XXXX dollars from my checking acct. That was refunded but they refused to do anything about the overage of credit. The reputable credit card companies would not let have let you do this. Paypal paid the other fraudulent charges also and they even sounded fraudulent ( which was the thing ) .When I complained, about the credit they had given me without my knowledge they closed he virtual account, and now I have no access to any documents to either Bill Me later Or Paypal. to know when this happened and how much and when I went over. Now I am paying thousands of dollars of interest on goods purchased that I can not send back.. I am also XXXX after 34 years and will have difficulty paying back. They called this am and told me I did no pay last month 's bill which I have been paying them over the phone. I will check on that so I paid up through XXXX. If I check my statement and I have paid it, I will complain about that. It would not be impossible to have missed it due to XXXX but I again told them I did n't get my statement. It really made angry. I believe they are dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ocwen failed to apply our payment received on  XX/XX/XXXX  in the amount {$3200.00} until  XX/XX/XXXX . When Ocwen provided my  XXXX  for  XXXX , Ocwen did not include any portion of my payment received on  XX/XX/XXXX  in the year end tax statements provided to me for interest and I did not receive any tax statements for property taxes for my escrow. I have repeated asked my relationship  manager  at Ocwen why the payment was not included in  XXXX  tax payments and why my payment received on   XXXX   was not applied until   XXXX   XXXX   XXXX  .  Ocwen  fails to respond to my question and has their law firm,  XXXX   XXXX , respond to my complaint.  XXXX   XXXX  provides a payment schedule, but fails to explain why the  XX/XX/XXXX  payment was not applied until   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Flagstar Bank, N.A.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2016 an unknown individual used a fraudulent debit card to make XXXX separate ATM withdrawals from my checking account with Flagstar Bank. The withdrawals totaled {$1800.00} and were withdrawn in the amounts of {$400.00} ( x XXXX ) and {$200.00} ( x XXXX ), my bank apparently terminated either the debit card number or the ability to make ATM withdrawals from the checking account upon the last withdrawal of {$200.00} per discussion with card services at Flagstar Bank on the evening of XXXX XXXX, 2016 ( I was not contacted by Flagstar Bank about the transactions but rather attempted to use my debit card on the evening of XXXX XXXX, 2016 and the card was declined ). The individual made XXXX withdrawals of {$400.00} from the location noted previously ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) and made XXXX withdrawals of {$400.00} and XXXX withdrawal of {$200.00} from another location ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ). I submitted a fraud claim with Flagstar Bank on the morning of XXXX XXXX, 2016 and received no correspondence from the bank. I submitted a police report with the XXXX Police Department on XXXX XXXX, 2016 to report the theft as well. On XXXX XXXX, 2016 I called the bank 's customer service number to inquire about the fraud claim and was informed that the claim was denied based on the fact that the withdrawals were in my city of residence, the fact that I retained my debit card, and the fact that there were no incorrect PINs entered during the withdrawals.

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 2021-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates Account # XXXX asserted collection for XXXX XXXX Account # XXXX for {$700.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. Portfolio Recovery Associates is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. 
Historically, Portfolio Recovery Associates has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XXXX Credit file dated XX/XX/XXXX report versus my XXXX Credit file dated XX/XX/XXXX reveals Portfolio Recovery Associates Account # XXXX extending this reporting time by an additional 3 years. The actions of this collector is reckless, targeted, and with malice intent. 

The payment history, date opened, date first reported, status, and comment has been falsified in an effort to continue to oppress consumers financial standing. Portfolio Recovery Associates Account # XXXX on behalf of XXXXXXXX XXXX Account # XXXX had recycled the date of asserted delinquency to continue reporting in excess of the law allowed retention date. 

This matter has been satisfied since XXXX, four ( 4 ) years prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a certified letter asking to validate the debt that is being reported on my XXXX and XXXX credit report. The collection agency name Receivable and their address is XXXX XXXX XXXX XXXX, Pa XXXX. I havent received and response via postal mail. They removed the account off of XXXX  but is still reporting on XXXX   and still havent heard anything from them validating the debt that I have no knowledge of the debt.

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 2015-12-10
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greetings, my complaint involves Flagstar Bank, who has put us in a modification purgatory for the last several years, now has sent letter via lawyers that house again in foreclosure. We had entered into our XXXX trial period and completed the 3 month trial period and have n't been contacted since XXXX of XXXX are at wits end with the whole process while accruing penalties, late fees, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These number do not belong to me my phone number is XXXX. So the number that is above do not belong to me.

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 2021-03-05
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/26 XXXX Car rental over charged {$200.00} claiming I returned the vehicle late. I did not. I disputed the charge with Goldman Sachs ( Mastercard ) and on XXXX they charged me back the {$200.00} and claimed that they sided with XXXX. I called and asked for an appeal, they said they will appeal it and get back to me within 90 days. Today 90 days later I have not heard anything from them. I called them and asked for an update and there was no record of my appeal. They said I can not appeal the decision unless I have new proof. I told them XXXX will not call me back, and I can't get any proof ( The return was late due to the return area gate was down ) XXXX will not acknowledge this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
On XX/XX/2020, my car was stolen. I reported it stolen to the police & have been trying to obtain the police report since. I have let Santander and my gap insurance know this. XXXX has payed {$10000.00}, their portion toward the car. The gap insurance says that they need the police report to pay for the other {$4000.00} ; however, before I could get the police report the car was placed negatively on my credit. I have been trying to obtain a police report, but due to Covid, XXXX City Hall is closed. The gap insurance refuses to take the information to obtain the police report themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I set up a payment for my car note and it returned as insuffcient funds to the institution i made my payment for and shows as " paid '' or posted to my bank account. My money is gone and my bill went unpaid!!!! No one know 's where my money is and now my car is up for repossesion!!!! The payment was posted to my account on XXXX XXXX, and said to have returned on XXXX XXXX which makes no sense at all, because i saw it posted to my account on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Direct Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, 2016 I was receiving calls from my family members and friends stating that a XXXX XXXX was calling and leaving messages stating they needed to reach me. I then called the number that was left on my phone and was able to reach someone. This person told me this was in regards to a debt. I quickly pointed out that I had not received anything in the mail in regards to this debt. She proceeds to become very angry and keeps questioning me as to when I will be able to pay the money. I explained to her not until I received written verification and had an attorney looked at it. She continued to harass me, yell at me for wanting to have my attorney look at and verify this debt and not allow me to speak until I finally just had enough and hung up. I am very upset and feel violated and embarrassed as they called every single person I have ever come into contact with. To make matters worse I was never given the name of the debt collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-03-05
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/21 I deposited a check for {$3700.00} into a branch ATM of my banking institution after normal business hours. By the time I got home I had an email stating they were placing a hold on the check. 

XX/XX/21 I call the bank why there is a hard hold placed on the funds bc they can't prove funds from the funding bank the check is written on, there's nothing they can do, etc etc XXXX XXXX XXXX. Person who wrote me the check sends me a screenshot showing her bank account she wrote the check on showing the funds have been subtracted from her account. I spent approximately an hour arguing about could I just get the check back and rip it up and have her pay via XXXX. Every response was no and too bad just go away. This bank offered absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was transferred to LoanCare XXXX from XXXX Bank on XXXX. As of XXXX I still have not received any information from LoanCare on how to make any payments on my loan. After I contacted my old servicer, XXXX, they gave me LoanCare 's website and my new loan number for LoanCare. After using this to log on to LoanCare 's site, LoanCare will not honor the full 15 day grace period in my loan documents, and insists on charging extra fees to process payments after the XXXX day. In addition, I have written an email to LoanCare and called and waited on hold for 30 minutes before I was hung up on. I have still received no response from LoanCare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Valor Intelligent Processing, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 Got a call from this business ... I have never heard of them! XXXX XXXX XXXX  The customer reps keep calling me ( several times in a few hours ) and I have no idea what they are calling about. They want me to give them my information to verify myself. I verified my name, but I will not verify my address. They won't tell me what they are calling about until I verify my address! They threatened me with the line that " this is being recorded ''. They are very rude and I will not be bullied into giving them my personal information because they are recording the call. They said they already have my information ... then why do they need me to verify it. They said they need to make sure that this is the correct person with my name ... what are the odds that a person with my name would have my same phone number, yet not be me? Crazy..I want the harassament to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: EMG ACQUISITION GROUP, LLC
State: CT
Product: Payday loan
Issue: Can't contact lender

Complaint:
None of the aboveMy complaint is that the CFPB Is eliminating my access to credit with its ridicules rules and in the case of XXXX XXXX XXXX, illegal actions against the industry. I can read, I know the law. I 'm a grown up. I can make my own decisions. Leave me and the industry alone.

Company response to consumer: Closed
Consumer complaint received 2016-12-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage reported us late paying our mortgage in XX/XX/2015 and it was never late. By showing us as late has us " negative '' standing on all three of our credit reports! Somehow our taxes from 2015 were escrowed and added to our Mortgage and we were not aware of it and called many times asking why our payment was higher and finally got an answer about a month later but our regular payment for XXXX was paid to them on Time!! They held our payment until they received the correct amount that they say was owed due to the taxes being added without our knowledge!! This is not our fault and our taxes were never to be paid and escrowed, and this has n't ever happened in the 11 years we have had Carrington!! If you look at my credit report it will speak for itself! You will see we have never in life been late paying a mortgage and that has been almost 30 years as a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage payment increased without notification. Upon further research, I discovered that a disbursement was made from my escrow account in XXXX of 2014 for taxes. My taxes were paid in full prior to closing in XXXX of 2014. I contacted the county 's treasurer 's office and confirmed that the taxes were paid in XXXX of 2014 and no additional payments were received after that date. The mortgage company is not assisting me. I contacted them multiple times and keep being told that they do not have my closing documents. This has created a financial hardship for me and no one is helping me. My account is currently serviced by LoanCare. Their Customer Service department is rude and no one follows up with what they say that they are going to do. Please provide assistance so that my mortgage payment does not become delinquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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 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 affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card experienced unauthorized charges. The credit card company, First National Bank of Omaha, did reverse all the charges, however after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Sokaogon Finance, Inc.
State: NM
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collector has been contacting before XXXX local time and after XXXX local time. I want the company to cease and desist all contact with me other than by US Postal Service.

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 2021-03-05
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Medical Data Systems has placed several damaging items on my credit report without due process ... .process to include no notification in written that would have allowed me the right dispute and or request validation of these alleged debts, which is clearly a violation of the FCRA and FDCPA. 

I have no knowledge of these accounts : XXXX XXXX XXXX # XXXX {$780.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Borrower submitted a loss mitigation package and received a notification of a facially complete application as of XX/XX/2016. It has now been over 30 days without further follow-up or a decision from the servicer on the application.

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