BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent to Experian Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXXBalance {$4900.00} XXXX XXXXBalance {$790.00}

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 non-monetary relief
Consumer complaint received 2021-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
A validation of debt letter under Fair Debt Collections Practice Act was sent to Portfolio Recovery Associates but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Portfolio Recovery is considered fraudulent and invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
ON XXXX XXXX 2016 I SUBMITTED AN OFFICIAL CHECK REQUEST ONLINE TO XXXX FOR XXXX $ TO BE MAILED TO PAYPAL CREDIT. THE CHECK WAS MAILED ON THE SAME DAY AND CASHED BY PAYPAL CREDIT AROUND XXXX XXXX 2016. I WAS FAXED A COPY OF BOTH SIDES OF THE CHECK THAT WAS MAILED FROM XXXX. IVE HAD XXXX CHECK RESEARCH REQUESTS SUBMITTED AND " COMPLETED '' BY PAYPAL AND THE XXXX $ HAS NOT BEEN APPLIED TO MY ACCOUNT BALANCE. I 'M CONTINUING TO COMMUNICATE MY ISSUE WITH THE COMPANY AS THIS TIME, AND WILL ALSO BE REPORTING PAYPAL TO THE XXXX. I HAVE CLOSED MY PAYPAL ACCOUNT AND WILL PAY THE REMAINING BALANCE DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
To Who m It May Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to request one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   XXXX   of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: ORG GC GP Buyer, LLC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In   XXXX   XXXX   I 've received a letter from a collection agency named : GC Services requesting me a payment or to contact the borrower service department to resolve my defaulted Student loan which I did. In   XXXX   XXXX   I signed the Rehabilitation Assistance Forms and sent my first payment to them in    XXXX   XXXX   . They collected at least  3  payments of {$5.00}. They stopped in   XXXX   and the Department the  Education  contacted me and told me that they do n't have that information in records and my student loans are still defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: MD
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent to Equifax Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXBalance {$4900.00} XXXX XXXXBalance {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted  Wells Fargo Bank  on the   XXXX   XXXX   XXXX   XXXX    , and asked that my Secured Card account be closed, and that the collateral money  ( {$500.00} ) be t ransferred to my checking account within the same banking system. I called them back on the   XXXX   XXXX   XXXX  , and was assured that the monies were cleared to be placed into my checking account. I checked my checking account on the   XXXX   XXXX   XXXX  , and noticed there were no changes. I called the banks headquarters in   XXXX   XXXX  , and was told that they were going to handle my financial affairs for 60 days.

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 2021-12-28
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Experian Credit bureau has failed to respond on the removal of the erroneous information about my inquiry. Sending them the last complaint, dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiry are continuously reported on my Credit Report. Therefore, Experian failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX

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 2015-06-08
Company: Paypal Holdings, Inc
State: ME
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I somehow got multiple paypal accounts with XXXX different emails but the same social security. I was signed up for the credit portion billmelater AKA paypal smart connect. I was not informed that I had a XXXX credit card with paypal. I set up payments with my bank for products yet I keep getting calls stating I am late on a payment. I can not find such late payments on the paypal sites even after signing in with each separate email address. I can not figure out how to access the site properly and when I contact paypal via emai they never help other than send me a generic email that does not wnswer my questions. I had set up scheduled payments via my bank account and now it says on paypal that I can not set up scheduled payments until bank account confirmed- WHICH it is confirmed since I have been making payments with this bank account all along. I am confused and I can not figure out how to use the NEW paypal website. I can not access transactions and I believe paypal has made its site confusing just to add late fees and extra charges. I am beyond frustrated and angry with paypal and my accounts are so tangled up and confusing that I do n't now what I actually owe and how to get help from paypal ironing this out. I do not want MULTIPLE accounts and I am tired of getting calls stating I am late when I can not find anywhere on the paypal site nor from my emails that I am late on any payment. Other than phone calls from paypal, I am current on all my accounts. Something is not right and I need help figuring it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
To Whom It   XXXX   Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reques t one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!

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 2016-01-29
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company is FlagStar an I have been trying to do a loss mitigation with them for 3 years now. The first time around in XXXX they randomly closed my case, even though I called monthly to check on it. Their reason for closing given to me was I was suppose to send in a monthly of my pay stubs and bank account. This information was never portrayed to me, in which I was never given the chance to comply. I tried again in XXXX submitting multiple applications with no reply. I then contacted HUD in XXXX and had a councilor sit in on a conversation with FlagStar in which they denied me saying I never submitted an application. I then submitted an application while still on the phone without saying so and they still denied, saying I did not. It was n't until a supervisor was called, did they omit I submitted an application. I submitted all the information that was required of me and checked in every 2 weeks to see how the application was goin. When all of a sudden once again they denied me saying that I did n't make enough money and that I would have to do a " Short Sale ''. This was around XX/XX/XXXX and I still am in possession of my house and am scraping by to make payments. 

FlagStar has denied me Loss Mitigation at least 3 times and without notice, I had to call to find out that they randomly closed and or dropped the application. In which they gave me a random excuse for their actions which had no ground. This is n't right, why am I being denied by FlagStar. They should n't be able to just deny an application for any random reason they can come up with and without notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On my birthday i received money to buy a playstation. When looking for a seller i came across a guy who was selling one for XXXX . I sent him money and i waited a week for shipping and then he told me that the money transaction was messed up but it was n't i was confused for a while. Then one day he told me that i was dumb and he already spent my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Began working towards a modification of the mortgage XX/XX/2014, when the loan was 60 days behind due to loss of income. It was NOT in default at that time. Company continuously loses documents, delays proceedings, and is currently engaging in multiple Dodd-Frank violations with my FHA loan. Refusal to accept payments has put the loan even more behind than when initial talks for modification began.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I needed to find a better rate on my student loans ( Navient ) to lower my payments. Instead, they extended the loan which forces me to pay more than I actually borrowed. I was never offered income-driven repayment plans. The options that were given to me were not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This agency is reporting an error on my credit file. I had medical coverage and met my deductible. This medical bill was paid by my insurance. I disputed this erroneous account with them on XXXX XXXX, 2015 and never received a response. I attempted to contact them again in XX/XX/XXXX and, again, received no response. After doing some research I discovered that ARS is not bonded to collect in the state of Texas. The account was actually deleted from XXXX but when I viewed my credit report recently and it has been reported on there again. Is that is even legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: NCC Business Services, Inc.
State: CA
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:
As I pulled my credit reports I noticed a line item from NCC Business Scv for {$13.00}, XXXX as of XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was an apartment complex that my daughter and I jointly signed a lease to rent an apartment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. We ended the lease sooner then the signed lease agreement which we gave notice on XXXX/XXXX/XXXX to move out on XXXX/XXXX/XXXX. The lease break clause in our lease agreement states that we are responsible for {$3000.00} lease break fee and the last 30 days of the Resident 's occupancy of the premises. ( see attached lease ) They are charging us the cost of not renting the apt from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. They also are charging us for the Decon of the slab under the carpet of {$140.00}. ( the entire complex is infested with HUGE cockroaches ) I mentioned this in my letter to vacate. My daughter called the XXXX XXXX on XXXX/XXXX/XXXX at XXXX PT, which owns XXXX XXXX and they told her the XXXX XXXX was rented out in XXXX and the employee would email a new statement removing everything but the XXXX rent charges from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, by Wednesday, XXXX/XXXX/XXXX. My daughter called back on XXXX/XXXX/XXXX and got a different employee and they said your account is with a collection agency and you need to call them. I called the collection agency and they told me that I needed to email them my dispute and attach any relevant documentation along with giving them permission to correspond via email. I sent NCC Business Scv an email ( see attachment ) on XXXX/XXXX/XXXX at XXXX PT with the reason for dispute of the charges of any rent past XXXX XXXX and the decon charges along with all of the attachments, ( final account statement ( which I never rcv 'd until I requested from them ) and the signed lease agreement. Total disputing is {$12000.00} ( rent ) plus {$140.00} ( decon ) leaving the total due of {$3200.00} plus # XXXX lease break fee minus my deposit of {$2000.00} equals {$4100.00} due. 
I called the NCC business scv today, XXXX/XXXX/XXXX at XXXX PT and spoke to a gentleman that I could not understand his name. He told me that it would be 10 business days before anyone could confirm receipt of my email and another 30 days to reach out the the apartment complex. I asked if he could send me those timelines in an email and he refused. I would like to pay what is fairly due according to my lease agreement of {$4100.00} and would like this removed for all XXXX credit reporting agencies for both myself and my daughter.. Please let me know if you need any additional information. The collection agency 's contact info is NCC Business Services XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XXXXXXXXXXXX. The debt was reported by XXXX XXXX XXXX owned by the XXXX XXXX at XXXX. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Ingo Money, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
There was a {$500.00} check load to my account on  XXXX   XXXX ,   XXXX   and was also cashed with a check cashing place in  XXXX   XXXX  as shown in the descriptive email ingo collections sent me on the  XXXX  of  XXXX . I tried to explain to the Man I talked to at ingo collections that this wasnt me and that I 'm not familiar with any  one  who stays in  XXXX   XXXX , which is where he stated it was done at. I told him it was fraud but he said to me he nothing to do with that, that i should report it to the police and i still have to pay them the money regardless

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our mortgage is currently serviced by  PennyMac.  They have started sending us deceptive advertising, telling us to re-finance to 'save money ' despite the fact that the refinance would be at a HIGHER rate  ( 1.25 % higher ). From their email : BEFORE Refinance AFTER Refinance Current Rate : 3.25 New 30-yr Fixed Rate/APR : 4.5 / 4.558 Current Payment : {$930.00} New Payment : {$820.00} Potential Monthly Savings : $ 110.55** Potential Annual Savings : $ 1,326.56** Despite having an asterix with the following disclaimer : " *Refinancing your existing loan may result in your total finance charges being higher over the life of your loan. '' I believe their advertising is deceptive and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did an online application for a  XXXX  vehicle lease in  XXXX    XXXX  . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in   XXXX  . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN LOAN SERVICING PLACED UNAUTHORIZED FLOOD INSURANCE ON MY BEHALF WITHOUT MY KNOWLEDGE AND/OR PERMISSION. THEY HAVE BEEN DOING SAME FOR FOUR YEARS. THE HAZARD INSURANCE I KNEW ABOUT BUT CONVENIENTLY NOT THE FLOOD. I DID NOT KNOW I WAS REQUIRED TO HAVE FLOOD INS. NEXT THEY ARE PRICE GOUGING. I NOW KNOWING THIS AM GETTING MY OWN FLOOD INS FOR XXXX, THEY ALREADY TOOK MY MONEY AND ESCROWED FLOOD INS. FOR XXXX. THE ONLY WAY I FOUND THEY WERE DOING THIS WAS THEY TOLD ME MY ESCROW WAS SHORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On  XXXX   XXXX ,  2017 , someone online fraudulently took all of the money out of my account, bringing the balance down to {$0.00}. When I complained to the bank mere hours later, they assured me the funds would be returned to me within 10 days. They did not offer a new card, but walked me through the process of resetting my password, security question, etc. This was o ver 3 week s ago and the money ( about {$380.0 0} )  still has not been returned. I called customer service around  XXXX   XXXX  and they stated they needed more " time '' for " investigation ''. I have since filed a police report, where the police were able to identify the people who did this. ( They are out of state. ) When I spoke to this bank on  XXXX   XXXX , they told me they were issuing me a new card because they suspected fraudulent activity on the accou nt ( a purchase attempt in a store I had not visited in the amount of {$890.00} ).

Company response to consumer: Closed with monetary relief