BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-16
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) This limitation can not be appealed. 
I Do n't Know What They Talking About They Said I Have More Then One Account I Told Them I Have Only One Account They Lied And Somebody I Spoke With tonight Name Atas Got A Nasty Attitude Some I Am Filing Another Complaint Because They Said I Ca n't Use They Service No More But They Have My SSN Bank Account And Credit Card Information On File And Wo n't Take It Off And I Ca n't Use Their Services No More

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted a dispute with XXXX XXXX through XXXX  for XXXX XXXX XXXX XXXX XXXX. This dispute was placed on XX/XX/2021. Its now XX/XX/2021 and have not received no communication. Shows dispute is still pending and has been over 30 days. Legally by law if dispute is not resolved in 30 days, this needs to be removed off of my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My Hospital Bill was paid by Insurance company with proper XXXX Discount remaining balance was patient responsibility. But Hospital bill sent to collection department and I questioned the amount mentioned as patient responsibility. Because XXXX discount was also mentioned as patient 's responsibility. I raised complaint on this. Now I see that this balance is reported in my credit history. Insurance provider gave call and lodge complaint to service provider and directed service provider to remove account from collection. 
Collection service is not removed the balance yet and it is affecting my mortgage loan application. 
My Concern to Service provider and collection agency was, if insurance and patient still questioning to credibility of actual balance due then how it is reported as defaulter.

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 2021-03-03
Company: EQUIFAX, INC.
State: CA
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:
There are 9 accounts on my credit report reporting on three bureaus that do not belong to me. These accounts were opened fraudulently and I have not signed nor applied for this. 
XXXX XXXX  XXXX - Acct # XXXX XXXX {$20000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$5200.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  Acct # XXXX Amt {$3500.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX Amt {$5700.00} OpenedXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX Amt {$5300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Acct # XXXX Amt {$6000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$20000.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/21 I MAILED IN MULTIPLE DISPUTE LETTERS TO Each Credit Bureau VIA CERTIFIED MAIL. EXPLAINING AND SENT IN INFORMAL DOCUMENTS THAT THERE WERE MULTIPLE HARD INQUIRIES ON MY CREDIT REPORT THAT " WERE NOT AUTHORIZED '' BY ME NOR DID THE COMPANIES HAVE MY CONSENT TO PULL MY RECORDS! I ALSO CALLED All 3 CREDIT BUREAUS MULTIPLE TIMES AND THE CUSTOMER SERVICE REPRESENTATIVE STATES THAT THEY HAVE TO STAY ON MY CREDIT REPORT FOR 7 YEARS EVEN THOUGH THEY WERE " NOT AUTHORIZED BY ME AND FRAUDULENT ''! LACK OF EMPHATY FOR CUSTOMERS!

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 2016-05-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
On XXXX XXXX, 2016, I used Experian.com to check my free credit report and agreed to pay {$1.00} to obtain my FICO score along with my credit report. I was then, without my knowledge or consent, signed up for a credit monitoring service. No e-mail communication from the company ever indicated that I had started a free trial, or that I needed to cancel within a specified time period in order to not be charged. On XXXX XXXX, 2016, I was charged {$21.00} for " credit monitoring '' -- service that I neither desired nor solicited. I called Experian on XXXX XXXX, 2016 in order to obtain a refund for this charge and was told that they are unable to provide refunds for this service. 
I believe that the method by which they are surreptitiously signing up people for this " service '' is both dishonest and disreputable. It even more egregious because it is being foisted on unknowing consumers who are deliberately seeking to manage and improve their financial health -- and instead are being gouged by one of the very companies who instead should be trying to help consumers with financial transparency. 
Experian should be forced to un-bundle the " credit monitoring '' service from the FICO score offer so that it is no leading misleading and deceptive to consumers.

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 monetary relief
Consumer complaint received 2016-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2021-03-03
Company: Experian Information Solutions Inc.
State: TX
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:
Based on the fact that the credit bureaus ignored my numerous requests to provide documentary proof that they used to verify the disputed accounts, which means that they have not verified or they can not verify any of these accounts. They failed to identify the name of a responsible person in the company who verified the accuracy of these accounts. Besides, they have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor they have removed anything found inaccurate.

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 2022-08-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and FIX : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX  XXXX XXXX Balance Owed : {$40.00} ; FB & XXXX XXXX Balance Owed XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XX/XX/2015 I sent a letter questioning several accounts on my credit report. I have waited well past the 30 days they have to respond. I have received nothing in response. today is XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS grossly violation RESPA regulations by sitting on a short sale request for months to time out the file that was being service released. Everything should of been submitted to the investor back in XXXX of 2020 but SPS kept asking for something that was never needed because of the incompetence of one person in underwriting who didn't understand that an HOA doc release fee isn't part of past due HOA dues.

Now the new servicer SN Servicing is trying to renegotiate fees that were already negotiated with SPS. This is unacceptable. I demand SPS take back the loan and complete the short sale request that they should of completed 2 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Can not reach a human who will help. Automated numbers are disconnected or are circular redirections to intentionally frustrate. The recording instructs you to write to them by mail and disconnects you completely rather than redirecting to other options. Found a number and reached a human who told me I had to pay to receive my credit report ( illegal ).

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 2021-03-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have found myself with extra medical bills following XXXX treatment and Navient will not allow me to ask for a forebearance while I get these medical bills paid. 

They call me 4 or 5 times a day about a payment that is not over 30 days overdue. 

I also will be anticipating some additional medical bills on an unrelated diagnosis that will push my further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Called all of my family members they could find and gave them a number that is no longer in service. When I did receive there call personally they told me they were going to sue me for debt that I do n't owe and which is probably ten years old. They refused to take my lawyers information or give me any information to contact them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Collecting agents keep calling my aunt instead of my personal phone number, and keep talking to them about my debt and I do n't know how they got her phone number the worst part is that she has a XXXX old baby and they keep calling at night asking for a payment. They said they have send letters which they have n't at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never Received any Bill 's in the mail. And Medicaid should cover this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear Sir/Madam, Can you confirm to me about the following bank website? 
www.eastwestlimited.com, East West Bank PLC, XXXX XXXX XXXX, XXXX, NY-XXXXXXXX, USA, Phone number : ( XXXX ) XXXX Fax- ( XXXX ) XXXX, The following bank website with details are genuine or fake.If you are sure about the following bank website thats real not fake then i will inform you by register air mail service with the details of the complaint.If you let me know the website is fake then i will not tell you the details by mail. 
Thanking you, With deep regards, XXXX XXXX, Email : XXXX Home Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Postal/zip codeXXXXXXXX, State : XXXX XXXX, Country : XXXX. 
Phone Number : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been approved for a trial modification from Bayview Loans Servicing and I made my first payment on XXXX/XXXX/2015. They took the payment via the phone using my checking account information. I understood that any foreclosure action would be halted once I was on a modification track..however, I just found a notice from a sheriff 's deputy on my gate indicating that Bayview Loans was trying to serve me with papers pursuing a foreclosure suit. This process service attempt is dated XXXX/XXXX/2015, eleven days after my first trial modification payment to Bayview Loans Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I wrote a letter 30 days ago demanding legal validation. XXXX has ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Ray Klein, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have never received a written notice of any debts being collected, have checked my credit reports and have none, but am getting repeated calls - 2-3x a day from this number saying they are from Professional Credit Service with an important message from a debt collector. They have provided no information, no information on their company and no written documentation.

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 2016-07-09
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Western Union refused to pay recipient of funds on multiple occasions. They retained my money for 6 months, and I have not been refunded. 

On numerous occasions I called or attempted to look up the transaction online. Every time I was informed that they could not find my tracking number ( XXXX ), and after escalating the situation, would be informed that the transaction was " on hold '' or " frozen ''. Each time the representative would inform me that they removed the " hold '' and the funds were available for pick up. And every time my receipient continued to be denied the funds. 

Last week I requested a refund. The representative agreed to issue a check for the funds as the debit card I used to fund the transaction was set to expire. I was told I would be contacted in 24-48 hours by Western Union to verify my address. I was never contacted. 

Since then I called Western Union 3 times : 1 ) First time learned that the representation last week had NOT cancelled the transaction, and that it was still on " hold '', but that they would release the transaction so that I could go online and cancel it myself. 
2 ) The second call I spoke to a supervisor who said that the transfer was arranged online so they could not refund me. When I explained that my debit card had expired, she said she would connect me with a different department, and the call dropped. 
3 ) During the third call a different representative told me that they could not issue a check for the refund as the transfer was originally arranged online. Instead, her supervisor would escalate the issue to their back office, which she referred to as the " trace desk department '' and would contact me within 24-48 hours. 

6 months, lots of time wasted, and no resolution about IF and WHEN I will ever be refunded. I have never encountered so many mistakes from a financial institution, especially on such a basic transaction. I would recommend wire transfers to anyone considering western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I sent a letter asking them not to call my home phone. This letter was enclosed with a check ... which has been cashed. Then when they called my home saying they had not received the check ( which by this time had cleared my bank, ) I told them again not to call my home phone. They called my home phone again. I have also requested ( in XXXX separate letters and each time there is a phone call, ) for them to send me the original paperwork and an amortization schedule and a total still due. This has still not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: FISERV INC.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Telecheck on XX/XX/XXXX, regarding a check that was returned to XXXX XXXX  XXXX Books. I was told the amount, however, I lost the name of the credit agency that now has the returned check. That check was written in XXXX. 

I called back on XX/XX/XXXX, and the representative told me she did not have a file for me with XXXX XXXX  XXXX. She did say that she had a file from XXXX for four items. XXXX does not take checks. XXXX made an error in an order I placed and they never DELIVERED the items. The items are {$19.00}, {$15.00}, {$8.00} and {$10.00}. They have attached a fee of {$100.00} to the bill. This is {$25.00} per check. I spoke with XXXX and they said that I did not receive any goods from them and they do not accept checks. My checking account number has been removed from my XXXX account profile. I have no idea why it was there if they do not accept checks. 

Telecheck told me to call XXXX and I have contacted both with no resolution to my issue. This is compromising my ability to open a bank account as well as use a merchant debit card-such as XXXX  etc. I need your assistance.

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 2015-06-11
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX/XXXX/2015 I have made a money transfer to XXXX through WESTER UNION service for {$120.00} plus XXXX fee charge. Making a total of XXXX using my debit card XXXX XXXX XXXX. 
But them I call them right away to make this transfer to be canceled, they have pomiise meThey will returned my money into my bank account, I wait for my refund that never happened I have make several calls to them they said they are working on this issued Also they said my refund will be on my checking account in XXXX hours .but nothing has been doneSo can you please help me with this situation

Company response to consumer: Closed with explanation