BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-18
Company: Paypal Holdings, Inc
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX, I received an email alert from Paypal that I had authorized a payment of {$39.00} to XXXX. I emailed them back and told them I had not authorized such payment, asked for refund. I also emailed XXXX and told them I had not authorized any such payment or any continuation of services. Asked them to cancel. XXXX renewal date was XX/XX/XXXX, the date I emailed them, so I saw no reason for them not to cancel and refund my l money. I received an email from XXXX on XX/XX/XXXX telling me I could change my payment options from automatic for the following year but they would not refund my money. I went to XXXX website to check my account and the only account authorized for payment was my debit card from my bank, not my Paypal account. The debit card on file with them was no longer valid, I had to get a new one. I do not know how they got my Paypal information. I contacted Paypal and told them this, but all I 've gotten from them is form letters telling me to change my payment plan on their website, but I never authorized them to pay it in the first place. I have contacted both Paypal and XXXX several times and informed them that I saved the XXXX page, took pictures of it and printed it, showing that I had not authorized use of my Paypal account. I also have asked for an explanation of what the {$39.00} charge was actually for but have not gotten any good answers about anything. I then checked back and Paypal paid XXXX {$19.00} from my account in XX/XX/XXXX, which I also did n't authorize. I have checked the consumer complaint boards and there are XXXX complaints about XXXX and Paypal doing the same thing to other people. Please stop them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I have a PayPal Credit account for many years. They have a XXXX liability policy for fraud. On XX/XX/XXXX I filed a claim for {$940.00} ( my first claim ). They have done nothing to resolve the issue. And I was just informed by a PayPal dispute representative that there is no one at PayPal Credit I can talk to, ever. 

PayPal 's site claims their liability protection is the same " as that provided by most major credit cards ''. That is clearly untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello I 'm a victim of fraud and stolen identity of credit card. I have been notified by the collect XXXX agency? XXXX stating that I have a credit card that has been open since estimate on XX/XX/XXXX and last payment received on XX/XX/XXXX total payment of {$200.00}. I have neither paid this amount nor did I open an credit card with this company. They are trying to garnish from my paycheck/ salary at this time, and I have contacted this company and I have asked for original credit card application with my signature they promised to send, but they did not send it. They have only sent me a copy of credit card statement with address which I do not know of. Please help!

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 2016-08-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Requested validation and verification. These bankruptcy accounts being reported do not belong to me. I contacted Bankruptcy Court and respond was they did not report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2018-05-30
Company: USI Solutions Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have gotten several phone calls to my cell phone from a company called " USI Solutions '' calling from number XXXX and XXXX. The people that call say that they are collecting on a debt I have with XXXXXXXX XXXX XXXX  XXXX. I have no such debt that is owed and the representative treated me very rudely and started telling me about payments I allegedly made on this account back in 2009. On XX/XX/XXXX, I answered a call from XXXX from USI Solutions and told the person on the line that I didn't own the debt, and asked them to stop calling me. I used the phrase " cease and desist all contact '' and then asked to speak to a supervisor and repeated my request to " cease and desist all contact ''. Then, today, XX/XX/XXXX, I received a call from USI Solutions ( XXXX ) and I again repeated my request for them to stop calling me and told that I didn't owe the debt. The representative transferred me to several other representatives that taunted me and said that they would continue to call and that only written requests to stop calling would be honored. I requested the company 's mailing address information several times and the representative wouldn't give it to me and instead tried to convince me that I owed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Sherloq Group, Inc
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX I was working XXXX and was covered XXXX to pay for XXXX exams and all medical visits. Do n't understand why XXXX XXXX XXXX charged me {$560.00} for Med- test and send to collection since I never received any bills. I retired in XXXX, XX/XX/XXXX and moved XXXX. I believe this account should be cleared up with XXXX and XXXX. Since XXXX, XX/XX/XXXX I resides XXXX. I need to clear my credit account and this is an unnecessary debt account and must be removed from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: PHH Mortgage Services Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Called phh mortgage on XXXX XXXX, 2016 and they confirmed they had received our checking acct info via fax and would apply it to next months mortgage payment. This was not done and now they are trying to charge late fee. Multiple phone calls have not resolved this issue. I do not want to keep paying for my loan over the phone and incurring a {$17.00} servicing fee imposed by Phh. I believe phh purposely does n't apply automatic debit processing so they can charge their customers additional servicing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CFPB # XXXX Medical Bill {$710.00} XXXX XXXX Client Service stated in the complaint, a deletion update will be sent the three major credit reporting agencies for the account that is listed in this complaint. SSN last 4 digits XXXX. Account number. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: NY
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 was a victim of identity theft these companies reported inquiries on my credit report that are not mine. Ive contacted them multiple times to have them removed and they didnt. This is a violation. This is a violation of 605b of the FCRA and it must be deleted within 4 business days because I am a victim of identity theft BY LAW. Here is my identity theft report along with the accounts that need to be removed asap. DELETE THIS NOW. 

Equifax reporting : XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Reporting : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX & XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Afterpay US Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company by the name of XXXX attempted to collect money from me by requesting my debit card number. Impersonating Afterpay, A pay in four payments company. They were attempting to collect an amount more than what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: PHH Mortgage Services Corporation
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a XXXX way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX supervisor return call, and still have not received one. I also have to pay PMI which is costing me about XXXX $ a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving calls from a company that asserts that I still owe money on an account that I paid off in XXXX 2013. 
This account shows " paid, closed '' on my credit report since XXXX 2013.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Our credit card expires in XX/XX/2020. We called before the end of the month inquiring about replacements. Was told some was being sent. 2nd follow up call yielded no further information and the 3rd call said our account restriction and no reasons given. We have paid on time to Capital One monthly. Full explanation of reason is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy XX/XX/2013 Sent several letters by certified mail. The bankruptcy is only on one report which is Experian.

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 2016-07-26
Company: PHH Mortgage Services Corporation
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX wrote a mortgage to me for purchase of a home, then assigned servicing responsibilities to PHH Mortgage services. 
I changed the mortgage date on their website from the XXXX to the XXXX, but the website said that this would have no impact on the XXXX payment. I called PHH to attempt to fix this twice, and both times they said that they have no capability of changing the date for the next collection if the request is made after the XXXX of the month before. 

I will remind that this is not a technical limitation because the actual speed with which the systems responsible for this process talk to each other is 300,000 kilometers per second, or about 6 orders of magnitude faster than their stated capabilities. Also, as a XXXX XXXX, I can state that dealing with any software issues could be done by a single developer in half a day. 

This problem exposed a far deeper problem, which is the lack of ownership. PHH has no motivation to provide good customer service because the ultimate customers are never consulted in account assignment. Why fix a problem if it 's cheaper to force NSF charges and then collect the revenues?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called Resurgent Capital Services today ( XX/XX/2018 ) at XXXX. I called to request validation of the debt, and was told by the phone representative. That I have to send a request via mail or fax. She refused to take my request. I also asked her not to call my cell phone. She told me that I have to send that request in writing also. I asked to be transferred to her manger. She placed the call in hold, then hung up She tried to collect a debt without stating the MiniMiranda, She refused to validate the debt, she refused to add my cell phone number to her DO NOT CALL list. She was rude and hostile, and hung up on me. I consider her attitude toward me harassing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: National Auto Lenders, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
NATIONAL AUTO LENDER Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
3. Please provide a complete account history, including any charges added for collection activity. 


You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX / XXXX / {$5400.00}

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 2016-12-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage was sold to SPS by XXXX just a couple weeks before we were going to be closing on our short sale. We have been working with SPS since XXXX and initially they ran our request for short sale under the wrong terms so it was denied. After finding that out we had to resubmit all the paper work, by our short sale specialist, who called every week and asked how things were going was told they had all the necessary information and were waiting for a decision. At the end of XXXX they mailed us a letter saying that the terms from the second mortgage do not meet their requirements, which was never communicated to the short sale specialist any of the times she called. We were able to work with the second mortgage to get a different settlement term with them except that we need to close by XXXX which SPS has been aware of. We have had all the paperwork turned in since the beginning of XXXX and still have no answer from them. Every time you call it 's impossible to speak to a supervisor or manager and the " relationship manager '' they assign is a joke, the person never calls back and their extension always rolls over to the same people you were speaking with before. They have said they have " escalated the file '' and that 's all they can do when you ask to speak to their supervisor they say they can not do anything else. They put a " ticket '' in for the relationship manager '' to call you back but they have XXXX48 hours and that 's all they will do. I 've explained to them multiple times that we have to have an answer by the XXXX or we are going to lose this short sale and they could care less they say well it could take 30 days and there is nothing they can do besides " escalating '' the file. I feel like they are getting some sort of monetary kick back from someone to prolong this process. They are horrible. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX University ( XXXX XXXX XXXX ) suddenly appeared on my credit report for a loan with derogatory information that is identical to accurate information from the Dept of Education. I have attempted to contact them but the Office is always closed or I only get voicemail. This is over XXXX XXXX XXXX this is the first time I have ever seen this appear. I have never received a bill or statement from the university for this debt, I have never been billed or made aware of it in any fashion. I have never taken out a loan directly with the university. This information is incorrect, invalid, and unfounded my credit score took over a XXXX point drop with this bad information while I am trying to purchase a home.

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