BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: CMRE Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi. I received a phone call from CMRE FINANCIAL SERVICES that I got a collection debt from XXXX. I was completely unaware of this until today when I check my credit score. Two years ago on XXXX XXXX, 2015, I went to XXXX. I can assure you that everything I described here is true. I went there because I thought my contact was still in my eyes so I got my eyes checked. It only lasted 10 mins so the receptionist gave us a discount. I do n't have any evidence to prove this sadly. The total amount is XXXX. I absolutely paid everything since I was an XXXX ( you can verify this by my SSN and tax info ) and I would be back to college after a month. I am an XXXX so my college insurance does not cover in this case. They only sent mail afterwards to my temporary address in XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015, and other dates. I did n't know about this entirely for two years until today. So I immediately called them to ask for explanations but they were unable to give any reasonable explanation why they charge me. They said it 's unlikely to spend only XXXX dollars at XXXX. I have no choice but to pay the debt immediately. I really really did n't earn this debt and paid the full amount when left the urgent care. I feel very frustrated and helpless as an XXXX who tried to get medical help for the first time outside the college. It 's better if they can at least text me or email me instead of just keep sending mail to my summer apartment. Why they can not try notify me earlier instead of after two years? Why they send the first mail almost three months later instead of immediately after my visit? They ( XXXX ) can not answer. Please help me ... ... please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: WA
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-04-07
Company: Paypal Holdings, Inc
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I used my PayPal account in late XXXX of this year to make XXXX different transaction withdraws from my bank. These transactions were being sent to XXXX different places. PayPal XXXX dipped into my account and took out each transaction XXXX. When I saw that PayPal had taken money out of my account again, 3 days after the original withdrawal, I called PayPal and asked that they simply refund the extra payments they removed without my authorization back into my bank account. They said they would have to look into it. Well, PayPal tried to take the money out again. I know this because I have fraud protection on my bank account and my bank informed me that someone was trying to take out money from my account. I called PayPal again and they said I would have to get official bank documentation and send it to their appeals department. I did just that. I started to get harassing phone calls from PayPal along with email saying that I owed them money because was account was in deficit. What? They are the ones who stole my money and now have it and wont give it back to me! I again went back to the back and gathered more information and faxed them again. Still I continue to get XXXX very hostile phone calls a day from XXXX until XXXX including Saturdays and still receive emails. I decided to go back to the bank brank and get detailed very precise wire transfer documentation from the bank on bank letterhead and stamped with the bank seal by the branch assistant vice president and a hand written letter to boot and over night certified this information to PayPal. I continue to receive threatening phone calls from PayPal saying they have ruined my credit and I am in default of payment. I do not understand how a collections department can not decipher very precise line by line information from the bank that clearly shows the withdrawer as PayPal on the wire transfers out of my bank. I would be very excited to have your assistance in clearing up this matter with me and going after PayPal and getting my funds back and clearing up any and all bad credit that they may have caused my name or account on/for any future credit reporting. I truly need your assistance because they are so threatening that I do not want to communicate with their company any longer without assistance. I look forward to having a representative assist me with this matter. Thank you in advance truly

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 2016-12-27
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, my name is XXXX and I lived in XXXX for 4.5 years while attending XXXX University. I started an online business while in college selling high-value designer goods. I was the victim on an online return fraud, caused by EBAY and PAYPAL. in which the individual returned me a counterfeit item via USPS mail. 

I sold an individual named XXXX of XXXX, NJ ( Shipped to his address at XXXX, XXXX XXXX ) a vintage, handmade designer belt for {$500.00}. He opened up disputes with the payment processing company, first falsely claiming that he did not receive the item ( when I checked the USPS tracking it had arrived that morning ). Ebay ended up siding with me after I contacted USPS and provided proof the item was received. 

He then opened up a different dispute claiming that the item was not as described, claiming that it was a counterfeit belt, which forced me to accept a return. When I received his return, he had sent me a counterfeit replica of the belt I had sold him. The item he returned to me was completely different than I originally sent. 

After providing these images, ebay sided with me. He then opened up a dispute on paypal, which they sided with him. I called paypel a dozen times and provided pictures, and they still refunded him the money from my account, claiming I needed a police report as proof. 

I attempted to contact the XXXX police department by phone in XXXX, and was told to contact my local police department. At this time, I was in college in XXXX, XXXX, and unfortunately they told me to contact the XXXX police. They were both useless. Thus, I filed 2 FBI IC3 Internet Criminal Complaint forms ( # XXXX and # XXXX ). Finally, paypal gave me money back out of their own pockets. 

The transaction took place on ebay through paypal. Neither of the companies assisted me in any way. I contacted multiple other sellers from his transaction history and they told me he had performed the same return fraud against them. As far as I know he has done this at least 4-5 times. I have picture evidence to back up everything I have said, as well as screenshots of the entire conversation history. He sent me multiple abusive and threatening messages in the course of commiting the return fraud, all of which I have documented. 

The worst insult is that ebay has deleted all of the negative feedback I left the buyer. They deleted other feedback from different people he scammed. They removed all of the resolution center history off the website, making it inaccesible to me. They wiped clean any evidence of this ever happening. The user changed his username, and did not receive a ban, even though he very clearly deserved it. 

I have already received my money back after 2 months of hard work, stress, and anxiety, but I would like to continue for justice against ebay and paypal for letting this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CL Holdings LLC
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:
This account has been re-aged this account was closed in 2012 I have the original last bill I have asked for this to be removed to no satisfaction this company is violating my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm trying to work with my lender BSI to do a shortsale since they denied me for a loan modification and they refused to look at it XXXX more time, my realtor send them a listing agreement last week they have the house up for foreclosure for XXXX XXXX I need more time to finalized the listing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Flagstar foreclosed on my family after years of us trying to apply for a mortgage modification. We were passed around and sent through hoops by Flagstar, and were denied because of Flagstar 's own mistakes and time delays. We have done everything we can to save our house, but now we 're facing eviction. We believe we were subjected to the same practices of Flagstar 's that they were cited for by the CFPB in the XXXX XXXX, 2014 stipulation on this issue. We would like help from the CFPB in order to stop the eviction and receive retribution from Flagstar for the harm they caused us and their unwillingness to help us during the entire foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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

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 2017-01-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is the 3rd complaint that I have made to you against Experian and now I 'm getting really upset because no one is helping me. These XXXX accounts listed on my credit file are the result of identity theft and my entire identity was stolen to the point that I had to go to a federal location to clear my name! I called and asked why these XXXX accounts were not removed and was told that it is because they did not receive the official police report and I have sent that to them 3 times now to no avail. I need for these XXXX accounts to be removed immediately. 
In XXXX V XXXX XXXX, Congress states that the burden is on the credit bureaus and creditors to prove the accuracy of the accounts and not on me and yet I 'm receiving letter after letter from Experian stating that these have been verified and that they will not dispute this again. Where 's the signed contract with MY signature? Where 's the proof that shows which IP address was used to apply for this account? I know for a fact that it was n't mine! I did not open this account, apply for it, authorize it or have any knowledge of it and it must be removed immediately. The bureaus are required to report ACCURATE AND COMPLETE information and it takes over a year to prove that they are being willfully negligent? 
These are the accounts that I am disputing : These XXXX accounts are the result of identity theft and must be removed immediately pursuant to section 605B immediately and permanently cleared from my credit report : XXXX Account # XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2015-12-31
Company: Google Compare Credit Cards Inc.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a Google Wallet account which I use for several different services provided through Google, Inc. Abruptly, and without warning, my Wallet was closed. I was not provided a reason. They told me that there was suspicious activity, and asked for verification information. I provided : a photograph of my passport, a photograph of my Driver 's License, the credit card on file, another debit card from my current banking institution, and a photograph of myself with the date and time, confirming that I was who I purported to be. 

I have attempted to resolve this issue through their resolution center several times, but they have done nothing, except leave me vague e-mails and point me towards their Terms of Service, which appears to be a contract of adhesion, giving the company the power to do, essentially, anything they wish to do. This strikes me as unfair. 

Moreover, they claim they are not a bank, even though their service allows you to make deposits, withdrawals, issues a credit card, provides bill payment services, and fund transfers. 

What, exactly, is one person supposed to do against a monolith like this when they have a problem? If XXXX XXXX XXXX abruptly shut down my account for no reason, I have a feeling the SEC, FTC, and your agency would have several questions. Why is a technology firm except from this scrutiny?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: VANGUARD FUNDING LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Called Vanguard around XX/XX/2018 requesting they deposit {$4000.00} dollars in my XXXX XXXX XXXX in XXXX California. They told me the money would be deposited the following week around Wednesday or Thursday. I told them I need the money now because I was going out of the country. The respose was the same. They told me how much it would cost/ Taxes on the money. I agreed. The Money was never deposited. I was lucky I had borrowed {$1000.00} from the XXXX .They gave me the cash the same day. The money from Vanguard had never been deposited into my account. I had a previous time of very bad business before and am very uncomfortable about calling them. I am retired, worked for XXXX XXXX, and have a 401K. That where I was getting the money from.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-21
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
tsi a debt collector compay sent me a bill showing that I owe XXXX   dollars regarding unpaid toll fee with XXXX  on XX/XX/2017 ( XXXX  for toll fee and XXXX dollars for debt collector fee ).

I was disagree with this action because I remember I paid the toll fee in cash at that time and I travel to New York once a year and even if this is true that I may owe to XXXX   the amount of XXXX us , I did not reveive anything by mail from.

The debt collector company is trying to make me pay the total amount of XXXX us $ which I dont accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Paypal Holdings, Inc
State: NC
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:
I completed a purchase through PayPal on XXXX/XXXX/XX/XX/XXXX, that I canceled on the same day. The transaction refund was started but continues to show as pending. After 6 weeks, and an internal investigation by Paypal they issued a temporary credit, citing there is a known problem with the retailer account. That was XXXX. This was on XXXX XXXX, XX/XX/XXXX. On XXXX XXXXXX/XX/XXXX that temporary credit was undone, leaving my paypal account with a negative balance. I had my bank investigate for a refund into the account. No such refund. XXXX confirmed the funds actually never left paypal. PayPal is claiming the refund was issued, yet the status of the refund as of right now ( XXXX XXXX XXXX ) is pending. They sent the account to a collection agency and wo n't talk to me about it any more. No one has ever been able to give me a date when the refund was completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-12
Company: Paypal Holdings, Inc
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I canceled a transaction with Paypal and they did n't fully cancel the transaction. On XXXX XXXX I sent money to my wife using Paypal and canceled the transaction within 5 minutes. Paypal did n't cancel the withdrawal from my bank account. They allowed the money to be withdrawn from the bank and deposited the money into Paypal. A cancelled transaction should go back to the original state with the funds remaining in the bank not at Paypal. This is wrong and cost me XXXX dollars in overdraft fees! The transaction ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company phones my home # ( above ) several times a day. They also call my cell #, XXXX, several times a day, except with my cell they call and let it ring one or two times, hang up and call again 4-5 times, then the last call rings until it goes to voicemail. They never leave messages on either # and when I picked up once there was no one there. My home phone caller ID identifies the company as IC System. They use different # s when they call. One is XXXX. Another is XXXX. Both are identified as IC System on my home phone.

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 2015-07-23
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am attempting to work with my student loan lender. I do, however, wish everything to be in writing that I can save for my own resources. I have difficulty understanding speech over a telephone, in addition to being afraid to speak through one. I would not be able to fully understand what is being said to me through a phone, and I fear I will agree to something that will not sufficiently help my case. I suffer from XXXX and XXXX that affects my health for days after a phone call. Although I have explained this through email to the company, they have stated that they can not work with my case through email or mail. The only communication I 've received is in the form of a telephone number. I have also received threats against my paycheck in the form of garnishments and my tax return. I have attempted to make payments where and when I can, but my current bills already exceed my pay by XXXX dollars. I receive help from my parents for some of my bills. My daughter is XXXX and needs more care than I am able to find elsewhere, and so I can only work XXXX while she sleeps XXXX nights a week. That leaves me with a night schedule, which I must reverse during the school week to take care of her, and reverse again to do my job well. I have also received the notice that the only legal service in my state that could assist me refuses to assist in discharging private student loans. I am at the end of my rope, with little choice in how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Linebarger Goggan Blair & Sampson LLP
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I contacted this " law firm '' Linebarger, Goggan, Blair, & Sampson after receiving multiple calls and letters to advise them that they were attempting to collect an alleged unpaid parking ticket from 2009. They asked for {$24.00} for a parking ticket from nearly 8 years ago. I informed them of the statute of limitations in the State of XXXX is 6 years for debt collection activity and asked that they no longer call me or send me letters. The " attorney '' responded with disregard and claimed that they would continue to collect until I paid it and the penalties in full and that they would report it as unpaid to a credit bureau. I explained that this was in violation of the XXXX laws and he claimed that only XXXX laws applied since their offices are in 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 2016-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Capitol One Auto Finance sent me a statement due XXXX XXXX, 2016. I mailed a check tthem to make the XXXX XXXX payment. Two days ago I received another statement telling me my XXXX XXXX payment was due. I called Capital One Auto Finance to ask what was wrong. They explained that my previous XXXX XXXX payment had been applied to my principal, or some of it, they subtracted interest out of it. 
1.Why did they apply my first XXXX XXXX payment as principal? 
2. Since it was applied as principal, why was interest deducted from it? 

This has caused us to come up with another payment for XXXX XXXX, causing some financial disturbance. 
I was unable to get a straight answer from Capitol One Auto Finance.

Company response to consumer: Closed with explanation