BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PAYPAL HAS A PROBLEM ISSUING PROVISIONAL CREDIT IN ACCORDANCE WITH UCC ( Uniform Commercial Code ) : XXXX XXXX XXXX disputed two ATM TRANSACTIONS for the same bank ATM one I was given the provisional credit ( XXXX XXXX and the other NOT. When I tried to dispute it as you will see it was marked CASE CLOSED ( XXXX XXXX new card is ON THE WAY. I am attaching a video link so this way you can see exactly what happened with disallowed transaction ( XXXX XXXX XXXX Inaddition I tried as I have been able to upload videos to your system in the past but today I was unsuccessful for some strange reason? 

Here is a link from our private server of exactly what happened so you can see from the customers perspective how this looks : - ) https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loans were with XXXX for many years. I was contacted by a group called the XXXX They said they received my information from the Government as part of Obama 's efforts to reduce the burden of student loan debt and that they believed I qualified for a lowering of my payment. They said if they submitted for the program that I could also get my interest rate reduced if the payment reduction was declined. I asked the guy SPECIFICALLY if they based the decision on adjusted gross income or gross income. He said ADJUSTED gross. I was VERY interested in that as I have to stupidly high interest rate of XXXX % on my loans. They told me to stop making payments to XXXX while I went through the application procedure. That application was denied and I was then told that what the person I spoke to said about getting my interest rate reduced was also incorrect about that and that the approval process was based on adjusted gross income. I demanded a return of the payments I had made to this company which they said was a fee for the processing of the application, on the grounds that they misinformed me of what was actually possible. They reviewed the recorded calls and verified that I was correct and issued a refund. Then all of a sudden I started getting payment notices from a new company called FedLoan Servicing. Apparently buried the paperwork that I electronically signed it indicated that I was authorizing them to take over my loan when I applied for this supposed payment reduction program. This was again something that was NOT explained, and it very much upset me that they did this. I have come to find out that XXXX group and XXXX are owned by the same people. This is a scam and I feel I am entitled to compensation for the deceptive trade practices that this company performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: FIRST ADVANTAGE CORPORATION
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My report has addresses on it that is not associated with me that I like to have removed. The addresses are listed below : XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Nations Recovery Center
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
A man by the name of XXXX XXXX, who said he is a professional debt collector from Nations Recovery Center, is repeatedly calling me on my work phone, and my cell phone number. He calls from various numbers and extensions. I find this man to be disturbingly harrassing. At first when he called, he did n't leave the nature/name of the debt in which he says that I owe. Now he 's saying its regarding a XXXX XXXX XXXX. I have asked this person time and again to not call my place of employment, but he still does it. Please do something to stop this harrassment, or I could get terminated from my job, which is causing me undue stress. Thank you.

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 2016-09-03
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31
Company: Collection Bureau of the Hudson Valley, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company ( Collection Bureau of the Hudson Valley ) accepted funds to legally settle a debt ( XXXX XXXX ) but never provided information that the debt was settled. They never refunded me or the debt management company ( XXXX XXXX XXXX ) I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : XXXX XXXX - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau of the Hudson Valley was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call from different area codes and phone numbers up tp 20 times a day after I have informed them to stop calling and to send whatever information they say is owed to them to the address on file which I have yet to receive, however the phone calls as of XX/XX/2016 have continued.

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 2017-02-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I believe PayPal is a fraud. They do not have accurate reporting on their web site. They they slap you with huge finance charges even when the web site says nothing is due. They blame it on the fact that there are XXXX companies XXXX and PayPal Credit but it is XXXX company. They do not allow any grace period One day nothing is due on their wb site and the next day you are overdue. If you pay that same day by XXXX they say there is no grace period. That is against the rules of the California Consumer Protection ACT but they do n't seem to realize I live in CA. So I stopped paying PayPal and watched the balance double every month. When they finally called one day I told them why I was not paying their charges. They said they would remove all finance charges and late fees but there was still a balance due of {$38.00}. There was no balance due. That payment was purely extortion. My bank XXXX is a large insurance company and they did not want to audit PayPal. If they had requested an audit of the charges they would have realized that it was pure extortion. If you request and audit of that XXXX dollars it would be revealing. There was XXXX balance due. Thanks for all your help. -- XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28
Company: ERC
State: NY
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:
I have sent XXXX debt validation letters to XXXX Corporation. They have failed to respond to my requests. I do not recognize this debt and I would like to see verification of my debt.

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 2017-01-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Firstly, I started receiving notifications of making a payment before the 6 month period after being out of school. As I 'm aware, you do not have to make payments on your school loans till you have been out of school for 6 months or more. Secondly, I tried getting my payments lower when I was unemployed due to being laid off and it was impossible to get a response or receive any acknowledgement. I must have tried at least 3-5 times to lower it. Till finally I came across the deferring option but I knew that would make my matters worse. I feel I really did n't have many options of bettering the situation I am in. I believe I, and many other students like me, have been treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Big Picture Loans, LLC
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan from XXXX XXXX for {$400.00}. I was told there would be a {$140.00} service fee but after the loan was complete I received an email showing I will be paying back a total of {$1800.00}. I have to date already paid back a total of {$560.00} but they are still deducting money from my checking account. They are charging an interest rate of over XXXX %. The company has now changed names to Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: ERC
State: CT
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:
In XXXX 2015 I filed complaint against Enhanced Recovery Company. Case # XXXX. During the dispute process, Enhanced Recovery advised they will request documentation from XXXX XXXX XXXX regarding this account. To date, no documentation has been received and the account is still listed on my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TYPE XXXX XXXX XXXX DATE OF INQUIRIY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TYPE : XXXX XXXX DATE OF INQUIRIY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2015-08-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other fee

Complaint:
Best buy credit card -They advertise 0 % APR and interested for the first 18 months, after which time 24 % interest kicks in. At 18 months, I suddenly had {$360.00} in interest charged to my card, on a balance of approximately {$600.00}. When I called the company, they explained that the interest balance reflects the accrued interest on all past bills over the first 18 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold by XXXX to Chase as of XXXX XXXX, 2015. With XXXX and original mortgage company, XXXX, I paid my mortgage biweekly. It was due to this free biweekly payment option and the mortgage rate that I signed up with XXXX originally. 
When XXXX sold my mortgage to XXXX, all the conditions of my mortgage stayed the same, including biweekly payment. With biweekly payment, I pay less in interest over the life of the loan and the loan is paid off sooner without any extra financial burden. 
Chase does not have the biweekly payment as an option! I called Chase, stated that this change of mortgage payment results in financial loss to me, and asked them to either compensate me, provide the service, or sell my mortgage to a company that can keep all the loan conditions as it was with XXXX. 
Chase responded that I have to accept their conditions! 
This is outrageous! I want to challenge the legality of Chase action. 

Please help me with this issue.

Company response to consumer: Closed
Consumer complaint received 2015-07-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have been garnisheed numerous times over the last 25 years. I owed the IRS and any garnishees previous were discontinued. I paid off the IRS and suddenly a garnishee re appeared. The current XXXX is Providian Bank or actually the collection agency who bought the debt. It has been so many years I have no idea who. After this I am in understanding that a XXXX XXXX who purchased debt is waiting in the wings and placed a judgement XXXX of 2014 which I have no paper work for and no idea who it is for. Any credit cards that I have been garnisheed for are at least 15 years old, probably more. Most of the garnishments on me were placed and I ca n't even begin to tell you by whom and I may be paying debt more than once. I am please asking for this to be looked into and help me if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried to fix the problem first with Ocwen Loan Servicing now PHH We applied for a Loan Modification and was approved, and accepted with the understanding that we did not want a Ballon Payment at the end of the Loan.

I have gone through this two times with Ocwen. I received an offer that I decided to take from Ocwen just before the transfer to Ocwen 's new company name PHH. I have tried to get PHH to understand and even faxed to them the offer that Ocwen made to me before the transfer.

I sincerely hope that you can help us make sense out of what is going on with our account now that it is with PHH who claim they have nothing concerning the Modification offer that we decided to take. We don't want to be in foreclosure.

Please help us.

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: COAST PROFESSIONAL INC
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attended University XXXX a few years ago. The school was not the right fit for me, so I withdrew. I emailed officials at the school and everything was taken care of. Then I see this amount of about {$5700.00} show up on my credit report as collections months later. I found out they sent my student loans back without telling me, which is illegal. When I withdrew, none of the XXXX clerks mentioned that I would owe that due to loans being sent back. When I called, the director of their financial aid department said " Well we like to tell students in person. ", as if that was a valid excuse for not informing me that money would be returned and I would owe it immediately. She also told me if I would have toughed out the semester with just one class, they would n't have sent the loans back. This is something that they should have told me, this is negligence on their part. Had I known they were going to do this, I would have complied with one class. Also, they let that balance sit in their financial aid department as a balance due for months. They had my phone number, mailing address and email ( which is how I withdrew in the first place ) and no one contacted me. I found out when it showed up on my credit report and I started getting calls to pay the debt. 

This debt was paid. XXXX sent the loans back without my authorization or at the very least notifying me. Then when the debt had sat in their office, they made no attempts to contact me about payment arrangements. This negligent business practice on their part and their actions are directly affecting my credit report. I 'm trying to buy a new car and eventually a house and I ca n't do that if there is a near {$6000.00} derogatory blemish needing to be paid in full in my credit. 

I have had this removed from my credit report before and I need it off again. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: JPMORGAN CHASE & CO.
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
From XXXX to XXXX XXXX XXXX moms death ... Chase has failed to honour moms Pleas to help her get her hard earned ssa.money..presently Jpm Chase bank is now flat lining my queries standing and maintaining a wall of silence..all their documentary requests have been fulfilled namely my XXXX passport ... moms death certificate From the XXXX..she s a us citizen ... .I sent my birth certificate..Chase request for disposition of funds notarised by a us embassy and finally a statement from us social security which apallingly they continue to ignore and the fact that sea XXXX. ..where i reside gave me XXXX XXXX XXXX statement and Chase continues to ignore XXXX after 3 yrs is criminal I hope justice is served and chase releases where my inheritance of approx XXXX us dollars that 's XXXX monthly XXXX months XXXX hidden XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Midwest Recovery Systems
State: PA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Received calls that I had a payday loan. Any loan I ever had was paid in full Asked for written proof of the debt to be mailed to me. They would not. They claimed they had emailed us and sent us letters. Both untrue. We have had same email address for 15 years and same residence for 37 years. Feel the whole thing is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up a payment with the company ERC and the following week for personal reasons I cancelled my payment.Unfortunately when I cancelled my payment ERC never deleted and still snatched it out of my account.When I called to explain they acted as if I was lying about cancelling my payment.They told me they reversed my payment and in 72 hours my funds would be back in my account.I called up there everyday and they gave me the run around.I heard XXXX different responses from XXXX different people and when they tried to say my bank was holding the funds.My bank had already told me that there was n't anything pending from ERC on my account .When I kept calling ERC back they gave me the run around and kept placing me on hold for periods of time and hanging up on me.It 's going on a week and the funds have still not been placed back in my account all because they did an illegal transaction that I did not authorize.

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 2016-02-14
Company: National Credit Adjusters, LLC
State: MN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. Someone stole and used my personal information to apply for a payday loan. I never applied for a payday loan. I keep receiving harassing and threatening phone calls from National Credit Adjusters representatives in regards to a debt that do not belong to me and is the result of identity theft.

Company response to consumer: Closed with explanation