BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: AL
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 have tried on three separate occasions to have this banckruptcy corrected and removed I disputed this banckruptcy because it was never verified. When I disputed the banckruptcy i received a letter back saying first it was verified through the courts and then one saying it was verified through a third party. I sent in documents showing that it was in fact never verified and each time I asked for documents proving that it had been verified I only got letters stating it was verified never any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: PR
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CoreLogic Credco, has violated my rights as per 12 CFR Part 1022 ( Regulation V ) 1022.22 Scope and duration of opt-out.

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 2015-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, I spoke with XXXX XXXX. XXXX XXXX asked me had I received my evaluation letter in the mail dated XXXX XXXX, 2015. I indicated, I had not received such correspondence. Nevertheless, XXXX XXXX indicated the evaluation letter was to inform me that I was denied the opportunity for a home loan modification based on my current monthly salary of $ XXXX ( gross ) and $ XXXX ( net ) ; in addition, my monthly expenses exceeded my net income - and in order to qualify I had to have at least a {$300.00} a month cushion between expenses and net income. When I inquired to XXXX XXXX how BoFA derived at the figures for expenses as well as the income, she was not able to provide me with an answer. She indicated I could appeal the decision - and she would reach out to me on Tuesday, XXXX XXXX to share how the figures were reached. Please be advised I sent BoFA an expense sheet that totaled {$4500.00} in expenses and find it odd that they have expenses that are much higher. On XXXX XXXX, 2015 I went to the mailbox and noticed the evaluation letter dated XXXX XXXX, 2015 as XXXX XXXX indicated, however, the letter did not indicate why I was denied and immediately stated, while I was not eligible for the home loan modification, I was eligible for a short sale or a deed-in-lieu. Well, in early XXXX 2015, I was told by BoFA that the home loan did not qualify for a short sale. This BoFA home loan modification process is repetitive and contradictory to say the least. I am seeking a home loan modification based on the submission of my monthly expenses being {$4500.00} or less.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Navient Solutions, LLC.
State: MI
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 consolidated my loans a couple of weeks ago. I talked to Department of Education several times last week and they stated that I owed nothing to them, and they received a payment the end of  XX/XX/XXXX . I am no longer in default. You would think that would be wonderful, so I just received a call from the mortgage company stating that I was denied for the loan due to Department of Education stating that I owe them {$1.00} which they ust placed on my credit reports it took my score down  XXXX  points. Mind you NAVIENT was suppose to pay off EVERYTHING so how did a  XXXX  slip thru the cracks How are they allowed to keep   XXXX   my life up I did my part they go paid and still causing me grief they they are making extra remarks on my report. It the balance is paid just say PAID not pad was delinquent nobody cares if was delinquent that just want it paid.I am so furious a  XX/XX/XXXX  really. I called  Navient  they stated that I did n't owe them anything. PLEASE PLEASE HAVE THEM CORRECT THIS. I OWE NOTHING TO THE DEPRTMENT OF EDUCTION SOMEBODY   XXXX   XXXX  , and I am paying for it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX account number has violated my rights. 
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 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My mother saw a missed call and called Bay Area Credit to see who called. She spoke to a XXXX XXXX XXXX. She did disclose that she was in fact not me but instead stated her name. He then attempted to set up payment terms with her seeing if she would pay my debt. I have never once given authorization to speak to a third party. My mother is not the executor of my estate. He tried to not only collect from my mother but to get her to agree that I would pay to the amount. He disclosed the amount that I owe and for what. He disclosed what I owe the money for and the payment terms. He then harassed my mother to make a payment before getting him off the phone. He told her that she needed to make a payment and that he would be in his office until XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I have a PayPal Credit Card. It has always been set up on automatic payments. This month, I just happened to pull up my statement and noticed it was past due and I was being charged a {$25.00} late fee. I contacted PayPal Credit customer service and was advised that automatic payments are only set up for a year and will drop after that time period. They advised that my auto payments must then be set up again. At no time was I ever notified that my credit card auto payment had been discontinued. Nor was this plainly stated at the time that I set it up on auto-pay. I feel very strongly that this is a deceptive practice and an attempt to get more money out of consumers. This is just wrong on so many levels and I wish to file an official complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05
Company: HOVG, LLC
State: MA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid XXXX/XXXX/2014, Was promise to remove/delete file from XXXX credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by I.C. Systems Inc around XX/XX/XXXX about a XX/XX/XXXX medical debt. I have not not heard about this debt so I wrote I.C. systems a certified letter requesting additional information and asking them to verify the debt. I have not received any responses, but instead, have received another collection letter threatening to escalate the issue to their attorney for not attempting to pay or resolve the issue, which is a lie. Today, I sent 2 more certified letters, one to their XXXX XXXX and another to their physical address. And, they reported this debt to the credit bureaus incorrectly showing a Date of Delinquency of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Paypal Holdings, Inc
State: WA
Product: Credit card
Issue: Billing statement

Complaint:
I have an account with PAYPAL under XXXXXXXXXXXX and I used this account to purchase items from Ebay. I purchased an item on Ebay for {$910.00} on XX/XX/XXXX from a merchant in XXXX using my XXXX XXXX XXXX credit card and the payment was transacted through PAYPAL. The merchant defrauded me and sent me an empty packet. I promptly complained to Paypal and since PAYPAL was not acting in good faith, I asked my credit card company to reverse the charges. Although my credit card company reversed the charges, Paypal still owes me {$20.00} for this item as my credit card was charged XXXX and the rest XXXX was the reserve funds that was in my Paypal account. I talked with a Paypal representative as late as XX/XX/XXXX and he said that the refund would be sent to my bank account associated with Paypal. I still have not received the refund of {$20.00} that PAYPAL owes me. The transaction happened in XX/XX/XXXX and today is XX/XX/XXXX. I wonder if PAYPAL would tolerate this kind of non-payment if I had owed Paypal money. Please order Paypal to refund my money. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-08
Company: U.S. Collections West, Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I received an email alert that there was some activity on my credit report. When I checked the report there was a derogatory account from US Collections West out of XXXX AZ. I never received any paperwork from them until after I contacted them. They stated that it was an account from XXXX  XXXX XXXX XXXX out of XXXX XXXX AZ. I stated to them that was not my account but my Sons account and they need to go after him. 
I also stated to them that I petitioned the XXXX Az courts to take my name off the account. ( I found out that I had a judgement against me when I was checking the courts for another individual. Never received any paperwork stating I was being sued nor did I have a chance to defend myself at that time. ) I petitioned the courts on XX/XX/2019. On XX/XX/2019 Judge XXXX granted my motion and my name was removed off the account. I and XXXX XXXX received notification of the motion and the decision of the courts. 
US Collections asked why I was getting so mad If it wasnt my account prove it.She laughed at me.She thought it was funny. I told her to check with the XXXX Courts and told her not to contact me again. I continue to get phone calls from this company. 
They have put this account on my credit report three times now. They are also charging me interest on this account. 
The first mail contact from them was on XX/XX/2019. On XX/XX/2019 I wrote them a letter and enclosed all the documents from the courts proving that It was not my account. The letter was sent back to me with a sticker return to sender attempted unknown unable to forward. The address was the same PO Box that was on their letter head.It appeared that the letter had been opened because someone had taped the back of it. 
I want this account removed from my credit report and I feel I should receive compensation from them and XXXX XXXX XXXX XXXX for making false statements on my credit 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 2022-09-13
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit report and found this company listed as a collection. I am unaware of any collection. I was not sent any notification of this debt. I tried to call the number on my credit report numerous time and get a recording. I am not a will not provide any of my personal information on the phone due to there being so many scams in the world. It states the first delinquency of this account was XX/XX/2020 and my bankruptcy was XXXX XX/XX/2020. I currently should not have any debt and have accumulated any new debt. Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 


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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello this is a new complaint for chase bank jp Morgan not sending my savings account funds that was closed on XXXX for the amount of {$18000.00}. I was told by chase to speak to XXXX at XXXX XXXX at XXXX XXXX to release my funds. I did speak to XXXX on XXXX and he stated that he and XXXX XXXX were not in fact holding my funds and he and XXXX have not spoke to chase since XX/XX/2021. He stated that chase was holding my funds and they have no involvement in my funds being released.He would be willing to make a statement in court and testify to assist me in getting my funds released.I have since called chase corporate office at XXXX XXXX several times and left messages for XXXX the person handling my funds and she will not return my phone calls and or messages that I have left.it has been XXXX  days since my account was closed and still have not received my funds. I have consulted a financial service attorney to file a lawsuit against chase bank, jp Morgan. thank you for your assistance in this matter. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: PNC Bank N.A.
State: AL
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 have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for these creditors to pull my credit. XXXX XXXX XXXX  XXXX  ( XX/XX/2021 ) PNC Bank ( XX/XX/2021 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Google Compare Credit Cards Inc.
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I sent funds to a relative phone number via Google Wallet, and it did n't go through, I shortly received a message from Google Wallet indicating that " that they canceled the transaction because of unusual account activity. {$300.00} has been refunded to your XXXX. It may take a few days for the refund to show up on your account transaction history. '' however, after several inquiries to Google Wallet, I have not had the funds returned to my account ( Please see contact records ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Paypal Holdings, Inc
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
About a month ago, I received a letter from PayPal stating that someone attempted to open up an account in my name, When I called to speak to someone at PayPal, they stated that someone attempted to open a XXXX account in my name, applied for a PayPal line of credit ( I already have one ), and they turned it down because they could not authenticate my identity. Specifically, I have credit freezes on my bureaus which does n't allow for an underwriter to open a line of credit in a consumer 's name. After talking to several representatives, they stated they would close the fraudulent account opened in my name and flagged the PayPal credit application as identity theft. 

A few weeks later, I attempted to make a purchase on my PayPal line of credit through eBay, a purchase of about {$100.00}. They denied the purchase which confused me. A few days later, I received a letter in the mail stating they needed to authenticate my identity. So I called them, verified all the needed information, and the representative stated I would receive a letter in the mail in a few days regarding the account. During the conversation, I told him this account had nothing to do with the other account that someone had attempted to open in my name, and I was confused as to why I was being put through this process again. When I received the letter, they stated they closed the account due to fraudulent activity which is bogus. No fraudulent activity has ever occurred on this account ; rather, it was only on the XXXX account someone else attempted to open in my name. Moreover, I believe PayPal really closed the account because I had also reported them for improper billing, specifically charging me more on eBay purchases than what was advertised. They have stated they were shipping charges, but this is incorrect and a blatant lie. I have records from eBay showing there were no shipping charges on these purchases. eBay always itemizes shipping charges when the seller charges for them. 

Because it is impossible to get account resolution through PayPal 's customer service, I contacted the company through XXXX 's social media messaging about the ongoing problems. I told the representative, XXXX, how dissatisfied I was with PayPal and that I was considering reporting the company to the Attorney General 's office, the Consumer Financial Protection Bureau, and the XXXX. I also stated I would not use my PayPal account in the future, even though only the line of credit had been closed, because I was so dissatisfied with their service. XXXX 's response was flippant ; he advised me to go ahead and report them, an extremely poor response to a major customer service issue. I have made a screen print of his response for the XXXX ' records. 

Besides your organization, I have also reported this to the XXXX, the Attorney General of XXXX, the Attorney General of XXXX, and the FTC. Please contact me if you have any additional questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20
Company: ECMC GROUP, INC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I defaulted on my student loans last year due to a bankruptcy filing in  XXXX   XXXX ,  2016 . For some reason unknown to me my student loans totaling approximately {$110000.00} which has received substantial payments over past 20 years was apparently and without my knowledge sold by my former loan handling company  XXXX  to another company called ECMC. These people promptly added a whopping $  XXXX  " collections fee '' making a total balance of approximately {$160000.00} and then began to repeatedly call, threaten, harass, intimidate and extort me into signing a contract with them for monthly payments, or they would cause a great deal of trouble for me due to my unintentional loan default and bankruptcy. They said if I paid for 6 months they would take me out of default, and faced with these threats and my fear, I reluctantly signed their agreement and began to make these monthly payments. My question is was their conduct legal? Can I remove this $  XXXX  " collection fee '' markup in my already hefty student loans? I really can not afford this. Please help, advise and assist.

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 2015-10-19
Company: Paypal Holdings, Inc
State: CA
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:
This complaint is regarding PayPal. They continue to email me collecting on a debt. I have only used PayPal once and it was over 3-4 years ago and since then I 've used my credit cards directly to pay for any purchases. PayPal is collecting on a {$130.00} debt that they claim I owe but wants me to provide them my birth date and the last XXXX digits of my SSN before divulging to me what the {$130.00} debt represents. I use only XXXX credit cards to make all major purchases and make it a habit to pay it all off when it is due and do not leave any remaining balances. I know that I did not use Pay Pal for any new purchases since 3-4 years ago. I suspect this is a scam to get access to all my personal accounts. I 've called them and asked them to remove me from their call list. But the emails are continuing. Thank you for your assistance.

Company response to consumer: Closed with monetary relief