BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: Paypal Holdings, Inc
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This is a paypal line of credit that i was not aware of until today, XX/XX/XXXX. Apparently the account was opened in XX/XX/XXXX. When I opened my paypal app on my phone, it said I had a past due balance. I freaked out and immediately made a payment so that my credit was not impacted and then called Paypal to research. I was told by an agent and a supervisor that i opened the account and was accruing interest on charges made. I disputed and said this screams unfair/deceptive practices. All charges should have been posted to my XXXX and not a line of credit that I did n't apply for. Now what really upsets me is that I told the agent and supervisor that there was no way that I 'm the only person in this situation and they said I was and that i was unique. We argued for another 30 minutes that i 'll never get back and then she opened a fraud case. After I got off the phone, I just felt that I had to XXXX Paypal unfair deceptive practices and of course there is already a consent order. I then called back and spoke to multiple agents asking for the department handing the class for the CFPB order and none of the agents were even aware of the order or they are lying. Horrible customer experience and this means other customers, who are not aware of CFPB, are not getting helped. 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) My PAYPAL account info is under XXXXXXXXXXXX and phone # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Residential construction loan. Bank and title company failed to disclose XXXX requirements that would have influenced decision to enter into construction loan agreement with bank. Bank failed to properly administer loan during draw and final funding processes. Title company failed to pay property taxes with funds collected directly from borrower. 
Specific issues : The day before closing the bank notified me that they needed certified funds of {$110000.00} from me at closing to complete the construction agreement. The funds were to be held in a " loans in process account '' and given back to me through the construction draw process. This was never disclosed prior to scheduled closing. I was stuck at that point. I paid the funds and never received any accounting of the funds being held nor was I paid interest on the funds that were held for months for disbursement. In order to recover the funds I was required to submit notarized affidavits to the bank certifying that all work was completed before it actually was completed. Final draw funding was refused by the bank until I complied with a different set of requirements, separate from prior draw requirements. After final funding and modification to fixed rate loan, title co. Collected 2016 taxes not yet due. They failed to pay the taxes when they became due and taxes remain delinquent and unpaid.

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 2021-02-06
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX added a hard inquiry to my report that I didn't authorize. Company could not provide me with verifiable proof of hard inquiry which violates fcra requirements.

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 2021-02-06
Company: EQUIFAX, INC.
State: FL
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/2020 I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I called to get a quote from Quicken Loans and they insisted they take my social security # to give me a quote based on my credit score. It would be a soft check like a car insurance company would do. It was a XXXX minute phone call. The guy calls me back and gives me a quote for XXXX for a 15 year loan or a 20 year loan for XXXX for {$250.00} XXXX refinance. I told him I was not interested as it is not beating what I had. Within a couple of days I have an estimate in the mail with a 30 year rate for XXXX APR which I never inquired about. I also got calls from the company asking me how my loan was doing. They started an application process even though I never asked for XXXX. I feel like there is fraud and misrepresentation going on with that company and I am outraged. They not only started an application without my knowledge or permission, but they sent a quote for a term I never inquired about or was interested in. It shows me the quote on the phone was a lie as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX we did a refinance loan on our home with Freedom Mtg during the process we received a refund check from them on our Escrow Acct on XXXX/XXXX/XXXX in the amount of {$810.00}. Then on XXXX/XXXX/XXXX we received another refund check for escrow for the same amount. Then on XXXX/XXXX/XXXX Freedom Mtg, put a " REFER TO MAKER '' on the first check dated XXXX/XXXX/XXXX which in turned cause me NSFees with my XXXX XXXX XXXX account. Then on XXXX/XXXX/XXXX I went and spoke to the local manager at XXXX and they called Freedom Mtg and spoke to XXXX and said that I needed to request refund back from them. 
Long story store and many voice memo 's later out of {$450.00} they sent me a check in the amount of {$220.00} on XXXX XXXX, XXXX almost 4 1/2 months later. 
I want the balance of what is owed to me plus pain and suffering from being told one thing after another. 
This is also caused us problems with the new mtg company XXXX XXXX because of not getting this handled in a timely manner and as caused our current loan to fall behind. 
All of this 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 2015-10-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an unauthorized and unjustified hard inquiry on my Experian credit report from XXXX XXXX XXXX. Experian has told me I can contact XXXX XXXX XXXX to request it be removed but XXXX XXXX XXXX is no longer in business so I am out of options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
never recieved anything from them my phone emails and ssn was taking control of i didnt have acess

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo, the owner of the loan, is not allowing loan modifications to occur. XXXX and I qualify for loan modifications based on both XXXX and loss of income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Statebridge Company
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15 we submitted a complaint against Statebridge Company for violating the rules pertaining to prompt-payment crediting to a consumers account. In response to that complaint Case # XXXX Statebridge submitted a fraudulent document to the CFPB. This document is unsigned and has never been seen by or sent to XXXX XXXX XXXX XXXX This alleged " Modification Agreement '' is a fraudulent document and was invented and produced for the purposes to mislead the CFPB in their investigation. We believe the there should be a criminal investigation in regards to this submission of this fraudulent document. If this document is authentic Statebridge should produce a signed copy showing XXXX XXXX signature on this document. 

CFPB PLEASE SEE EXHIBITS FAXED DOCS FAXED TO XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing had me agree to a trial period for modification. At the end of the trial period, I received a notice that I would need to pay over {$3000.00} to reinstate my loan. I submitted needed documents and I feel like I was mislead in the way it was handled. By them having me pay the schedule that they set up, I should not be behind anymore and my mortgage should me now current. However, they did not do that. They put me under a trial modification and then at the end told me I did n't qualify with no explanation other than an issue with the title that had nothing to do with me personally. I submitted the appropriate documents to them and they are still trying to charge me over {$3000.00} to get my loan reinstated. I was only behind XXXX payments of {$740.00} to begin with and then they had me skip a month before beginning the modification which was another {$740.00}. By my calculation, I should only be behind the two months I did n't pay seeing that they had me skip a month for the modification. I am a single mother of XXXX and working XXXX XXXX jobs trying to stay afloat. I can not afford to loose my home. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 'm making a complaint against Experian for their negligence in not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 

Public Records XXXX- you have the filing date on this bankruptcy listed incorrectly and I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA . In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX -this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that 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 explanation
Consumer complaint received 2021-02-07
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I placed an email order with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) in the amount of {$100.00}. Days passed without getting a confirmation email of the order being received. I then decided to call to ensure the order was, in fact, received. I spent a ridiculous amount of time on the phone being handed off to people to finally be told they had not received the order and that they were going to place it right then XXXX XXXX number XXXX ). A few days later, I receive the items in the mail. Then a few days after that, I receive the same items again. When I called the company and explained they sent me a second order ( and charged me for it ) they said I could mail it back and get a refund but I would have to pay shipping ( which was {$20.00} according to their original charge ). I was absolutely willing to take my personal time to mail it back but I was not going to pay for the items that I did not order or pay to send them back due to their lack of organization and accuracy which obviously takes place within the company. When I called it was very clear that no one knew what was going on and when I called to resolve their mistake they were not helpful at all. At this point, I have spent several hours on the phone with this company and did not feel it was my responsibility to pay for their mistake. I then gave up and called Discover. I have been a faithful Discover card user for 21 years without a single missed payment or even a dispute. I thought my card company would help me dispute the incorrect, unapproved, 2nd charge to my account ; however they came back and said I was responsible to pay it. I do not see why I have to pay for a company charging something to my account that was not approved. I have since refused to pay the amount and they have added late fees and submitted my account as delinquent. I would like this reversed, as it was not my fault. I have also submitted the a complaint to the XXXX  of the company requesting they refund Discover card charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
PayPal had limited my account last year ( PayPal ID : XXXXXXXXXXXX ) and I had filed a complaint with CPFB, to which PayPal had responded. In this CPFB case case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm still not able to withdraw my funds in my Paypal account. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith.

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 2021-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: HW Holding, 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:
Please remove the medical bill showing XXXX on my credit report. I agreed to pay the payment schedule and was paying then they stopped and I tried calling and they sent it to collections. Also there is XXXX on there as well and that account was agreed to be closed by original apartment complex because I moved out a month early because they had n't fixed AC in over 3 weeks. Breaching there own contract. I paid my last month and they agreed that was enough. Now it shows I have housing debt. This is not good I ca n't even find a apartment to live in when this was not even my fault! This is a crime. Please help!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I received and accepted an offer on a condominium in XXXX XXXX XXXXXXXX on or about XXXX XXXX, 2016. The closing was scheduled for XXXX XXXX, 2016. I was asked on XXXX XXXX, 2016 to give the closing agent a two week extension, which I granted. XXXX XXXX, I was asked for another 2 week extension, as the closing agent had been unable to acquire the Assignment document and number from the mortgage servicer, OCWEN Loan Servicing , LLC of XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. My account number with OCWEN is XXXX. I spoke with the closing agent yesterday and was informed that OCWEN had asked for another 48 hour extension to provide the information. My buyer is about to withdraw the offer due to the delays. Can you help me in obtaining the required documents.

Company response to consumer: Closed with explanation