BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
It was on XX/XX/XXXX That we suddenly see few returns from PayPal. Returns belong to one of our old customers that we know him well. This customer was buying from me from XX/XX/XXXX and during these years he bought over XXXX dollar from us. I text the guy that what happened why you start asking your money back? I was angry. He said he have no knowledge of that. He checked his account and saw PayPal block his account and from us returned {$3600.00}. He just returned from travel and he was shocked of what happened. 
I and he called PayPal for reason they said they have future activated in all business account name friend and family and they said he send money from that future and he did n't use conventional way. I told PayPal the guy just come back from long trip and most likely his associate did this out of lack of knowledge.interecting is this future in business account is illegal and since our business account is connected to our business banking having this future is kind of promoting money laundering. I told that to PayPal that our business banking not suppose to have this future from first place and if PayPal is bounded to government must know that you cant connect our business banking to personal purchase and if IRS find out they will penalize XXXX but they said this is fine. I told them I want to close this future permanently they said you cant but we can do from our side and after few days on phone back and forth they did. Hopefully for us not for many many many other account that they have. I ask them what happened to my money they said we will return to his account and he have to return it to you. I told them you block his account and currently he find better business and is not in this business any more. Only respond I heard was nothing, These people using illegal futures to still money, we sold the merchandise to customer and we thought we receiving correct money but we find out its not, you might ask you can see this comes from friend and family that 's your fault to accept my answer is you can come and check all out print out from PayPal it do not say any thing that how this money got here. Some thing rotten going on in PayPal and they start stealing money appreciate you look into it and publish it maybe some other poor customers like me get to gather and do class action maybe they could return their lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This vehicle was repossessed b y NFCU in  t he State of F lorida on or about,     X/XX/2014   , a nd resold on or about   XX/XX/2014 .    Under the laws of the State of ( State of Repo ) U CC 9.506 and Sta te  RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices   were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all availabl e State and Federal statutes and UCC 9 remedies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I C SYSTEM INC ORIGINAL CREDITOR XXXX XXXX XXXX IN THE AMOUNT {$310.00} THIS ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT MY CONSENT AND OR KNOWLEDEGEMENT

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 2016-04-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my home off on XXXX/XXXX/15 which is 8 months ago. I have sold my house and can not get a release of lien. I am supossed close on Monday XX/XX/XXXX. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
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:
The account  XXXX   XXXX   XXXX  is supposed to be closed with a {$0.00} balance per the investigation with  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 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent out a letter to each credit bureau on  XXXX / XXXX / 2017  requesting that ALL public records and judgments be removed from my reports. Each bureau removed all public records except for a bankruptcy. Bankruptcies are not obtained thru the actual courts, but instead obtained through a  3rd party  company and I am unaware as to where this bankruptcy information is being reported from.

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 2015-04-01
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX and as of today Flagstar Bank holds my mortgage. In XX/XX/XXXX Flagstar Bank placed my property into foreclosure after making my timely payments under their loan modification ( see attachment ) and referred the matter to their Attorney 's " XXXX, XXXX, XXXX XXXX XXXX ''. In fear of losing my property I hired " XXXX XXXX XXXX XXXX '' to whom I paid over {$5000.00} in fees, only to learn from their website they was doing foreclosures for Flagstar Bank. I brought this to their attention and they quickly removed it. To no avail with " XXXX XXXX XXXX XXXX '' and Flagstar Bank charging me outrageous fees and I feel deliberately holding back, I was forced to use my retirement funds to pay Flagstar Bank Attorneys {$31000.00}. Due to illness and XXXX I fell back in XX/XX/XXXX only to go through Flagstar same actions. I paid the rears as per their Attorney 's " XXXX, XXXX XXXX XXXX '' and now Flagstar is stating they are not accepting the funds and I need to contact their Attorneys to find out why. The same I had hire an attorney for this matter just find out the status of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: V and H Portfolio
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was contacted today by a woman claiming to be an attorney fro m Vance and Huffman Law Firm. She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for g iving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened  XXXX   XXXX   2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.

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 2016-12-21
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My google wallet / payment account was blocked. 
The company claims I have violated their terms of service. I have read them, and believe did not violate any of these terms. All I did was use Google wallet to transfer funds to my husband, which is well within the scope of what the service allows. 
Furthermore, the company refuses to explain which terms I violated and how. 
As a result, I 'm no longer able to send or receive any funds through Google wallet, make any purchases through Google of apps for my smartphone, groceries through Google express, or checkout through any merchant that uses google payments. I believe the closing of my payment account is unfair and at the very minimum, a more detailed explanation should be provided, so that I could appeal Google 's decision if their facts are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX/2016, I 've sent a dispute to IC System regarding an XXXX account XXXX that has been paid. The agent name XXXX XXXX told me to send the letter and they will forward it onto XXXX to resolve this account I have been disputing for years. On XXXX/XXXX/2016, I called IC System at XXXX to get an update of my account, but the rep transferred me to an XXXX account receivable rep. name XXXX. XXXX asked for my name, account number, social security number, and address. XXXX with XXXX stated she do not show that I owe anything with XXXX for a u-verse account. I asked her please help me with IC system because they keep telling me that they are collecting these funds on behalf of XXXX. This has been a constant battle and I feel it is unfair for them to report on an account that has been paid and resolved. 

On XXXX/XXXX/2016, I asked the gentlemen at IC System to provide the XXXX Dept. name and XXXX phone number that is consistently reporting this XXXX Account balance of {$270.00}. The rep at IC System stated that he can not provide the name and number ; they only contact with XXXX is by me sent a dispute letter to forward to XXXX. I have sent a letter of dispute on many occasion, but it does not seem like IC System is forwarding the information to XXXX to resolve my account. Here I go again with the same run around by IC System ; IC System has not provided proof they have contacted ATT to delete the account that has been paid and resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I purchased a credit report from TransUnion online for advertised price of {$1.00}, charged to my XXXX XXXX XXXX XXXX card. Upon receiving my XXXX bill this morning there was a charge from TransUnion, in addition to the {$1.00}, of {$19.00}. I called TransUnion, whose representative insisted I was liable for this additional charge because I did not " cancel '' within 7 days of ordering the credit report. ( While the representative did agree to cancel my " subscription '' for any future months and to send me a confirming e-mail, I have not yet received any confirming e-mail from Trans-Union and am concerned they will seek to impose this charge in future months. ) I saw nothing on the TransUnion website imposing this alleged additional monthly charge or any obligation on my part to " cancel '' within 7 days of the date [ XXXX XXXX, 2015 ] I ordered my {$1.00} credit report. Looking at TransUnion 's website as it exists today following my unsatisfactory call with TransUnion, I did see this proviso there in small print and not presented in a way that most people would notice. My perception is confirmed by the large number of similar complaints against TransUnion on the XXXX website and by my conversation with XXXX XXXX XXXX, who advised me they have received many complaints about this TransUnion practice from their credit card customers. 
The deceptive sales tactics of TransUnion are obviously designed to mislead consumers and to evade TransUnion 's legal obligation to provide an annual free credit report and/or limiting the amount of money they can charge to provide a credit report. I contacted TransUnion for my credit report on XXXX XXXX immediately after receiving a letter from XXXX XXXX that my personal information in their system had been stolen by hackers. TransUnion first refused to send me the free annual credit report, to which I am legally entitled, online, because they were not satisfied with the answers I gave online to palpably obscure and misleading questions supposedly designed to ensure I was actually the individual in question entitled to the report. However, TransUnion was willing to and did send me my credit report online when I went on their website an hour later and agreed to pay them {$1.00} for it per their deceptive offer. ( In the latter instance, unlike my initial application, I was not asked any obscure questions going back XXXX 30 years. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a notice from TransUnion and XXXX credit reporting companies that XXXX was reporting incorrect information to my credit file. Soon as I found out, I contacted both credit reporting companies and XXXX to provide more information about the alleged debt. I have not received a proper response from XXXX and I have not received any documents or evidence from the credit reporting companies about the alleged debt. I have been a victim of identity theft and have submitted several police reports and identity theft reports to XXXX and TransUnion as proof.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
As a consumer, I am once again requesting a detailed explanation of all the steps your agency undertook to ensure the 100 % accuracy of the reported items, as mandated by 15 U.S.C. 1681i ( 7 ) - Method of verification - Description of reinvestigation procedure. According to this section, a consumer reporting agency is required to provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher if reasonably available. This description should be provided to the consumer by the agency within 15 days after receiving a request from the consumer for that information. I expect full compliance with this request.

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 2017-05-15
Company: Caliber Home Loans, Inc.
State: NY
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:
X/X/2016    Requested and received a payoff letter on our mortgage to sell our home  XXXX  {$170000.00} payoff amount  XXXX   XXXX  offer on our house and signed a lease on new home Packed up and moved out  X/XX/2016    After accepting offer and signing a lease on our new residence ; Mortgage  Company  went a new payoff letter ( {$200000.00} payoff amount ).   We contacted Mortgage Company and they requested that we ask the buyer for more money. Buyer did not qualify for increased amount. We asked the bank to consider the fact that we accepted the offer on their mistake and asked for forgiveness. The Mortgage  Company  did not respond and on  XX/XX/2016    we lost the sale.   We were paying on our lease x 3 months at this point.     on   XXXX   Mortgage Company sent us yet another payoff letter for {$170000.00}.     We found another buyer and sold the home and paid off the mortgage.     Mortgage company financially stifiled us for 4 months and then after the sale was completed ; listed us on Credit report as 6 months in arrears and Bankrupt. Attempted to dispute and they sent a letter stating that they were correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, Transunion Deleted all of my inquiries. I recently checked and my inquiries are back on and my credit score decreased.

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 2017-05-15
Company: HUNTINGTON NATIONAL BANK, THE
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Arkansas  XXXX  Update on  Huntington   XXXX   Huntington National B ank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  Attn : Consumer protection compliant dept.      To w hom it may concern : Huntington b ank registered out Ohio has used an intimidation tactic by unlawfully and erroneously reporting a false statement to the bureaus that made my credit drop by  XXXX  points. I filed a  UCC1  document and submitted it to huntington which they did not want to honor my status fili ng. Huntington b ank then closed my account without proper reason. The only reason they closed it was because I submitted m y UCC1. I have never missed a payment, even after I submitted my UCC1 I was still making payments and waiting for Huntington  to accept my filing document. They then closed my account without a noticed nor a reasoning other than they claimed I told them I would not pay, which my no sense because my bank acct spoke for itself that I was still paying even after I submitted  my UCC1 ba ck in  XXXX . When the bank illegally reported my acct to be delinquent in  XXXX  I called the bank and they said that was a mistake and was going to correct it but never did. They have been harassing me about paying for a closed account. They are trying to get me to pay for a closed account that never should have been closed. I was making payments every month on time until they lied to the credit companies that I wasnt putting in a negative  credit score.   Additionally to having a credit card with  Huntington bank I also had a saving acct that I was paying Huntington from. I never got a chance to pay with any other negotiable instrument since Huntington never ac cepted m  A4V in the  mail. I can proved that I was paying after I submitted my  UCC1 so they claim that I told them I wouldnt pay is a lied on their end. they can see that on their end that I was paying and yet they still closed my account because they did not want to honor my UCC1. I could have stopped paying after I submitted my UCC1 b ack in  XXXX  but I paid  XXXX  and  XXXX . I only stopped paying after they illegally and falsely reported acct to be delinquent making my score drop  XXXX  points. Just ask them for my bank statement from the time I submitted m y UCC1 b ack in  XXXX  of this year.      Sincerely   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with  XXXX , Transunion, and  XXXX  in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  XXXX  bankruptcy court. I sent a letter to the  XXXX  Bankruptcy court on   XXXX   XXXX   XXXX     and they sent me a letter back stating that the  XXXX  Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work with the bureaus directly. I Then sent a letter to  XXXX  Transunion, and   XXXX    on   XXXX   advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX , Transunion, and   XXXX   with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  XXXX   XXXX . The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the  XXXX   XXXX  and they told me the same thing.

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