BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm noticed on my credit report that I have multiple credit cards that show the same balance as well as a XXXX bill that I did not sign up for. I believe this items on my credit report are negatively impacting my credit and I want to dispute them. There should only be XXXX credit card by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed an account. I received a response stating that it was deleted. I had someone pull a tri-merge credit report on my after receiving the results, and the account was still on my credit with the credit bureau that stated it was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted a dispute via certified mail with returns receipt requested on XXXX XXXX, 2015 to ensure a guarantee arrival because I was concerned as to why a withdrawn tax lien is still showing on my credit report with Equifax. Equifax received this on XXXX XXXX, 2015. This information was incorrect and I asked them to dispute it and they never did. It was never listed as in dispute as I am monitoring my account with their monthly subscription program. My concern is that they were not able to either understand me or my dispute was ignored because they sent me a letter stating that they did not locate anything like that in my file. I specifically stated that there is a withdrawn and inlaid tax lien released from my name in XXXX XXXX, 2015 and it is still appearing on my credit report. Paper were submitted to have Equifax update this account and remove it from my credit report. The XXXX XXXX County Registrars department has formally withdrawn and removed it from my name because it was incorrectly placed, as the taxes were indeed filed on time and appropriately. By law Equifax must remove the invalid tax lien for the released amount of {$1600.00}. I do not understand what is so difficult for them to see, it is right there on my credit report. I am concerned that they are ignoring the issue and do not want to update my credit file. I paid over XXXX dollars for them to receive my formal dispute and they have not even addressed the issue. I even stated that it was a public records concern and they did not reposed or investigate it. Their entire reinvestigation seemed to have been done in a few days time, I sent the letters on XXXX XXXX and they responded so quickly and shut me down. I am so extremely concerned as I need to correct this invalid lien in order to apply for balance transfer cards in order to consolidate my debt. Equifax 's reporting has gotten me denied from XXXX XXXX Bank. Thank you so much and please help me as soon as possible. On XXXX XXXX it will be XXXX days that they have received my Certified Letter, I require this removed by then or I will continue to investigate the unlawful actions and stay tactics by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am not able to get through either to the Credit Card company or to Equifax or XXXX. There is a report by XXXX of my being an " authorized user '' on a Credit card that was not paid when my husband XXXX in XXXX. As I am sure you know, as a matter of federal law, this is not my responsibility. TransUnion answered the phone and was very considerate about the matter and assured me that an investigation would be opened and it should be removed in about 30 days. XXXX hung up on me. Equifax and Experian only respond to requests regarding recent fraud and security breaches. Can I get some help? I am a very frustrated widow, here, with a XXXX year old trying to get a credit repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Complaints : 1 ) Inadequate customer service - A collection company that has agreed to remove an item from my credit report failed to reflect so in its reply to the original dispute and Equifax asked me to file another dispute. If the collection company is misinforming Equifax and refusing to provide me documentation, then as a credit reporting agency that publishes information of one 's creditworthiness, the onus should be on Equifax to verify this information by directly contacting the collection agency rather than having the consumer file dispute after dispute. Another credit bureau XXXX directly contacted the collection agency and had the item removed. 

Attached is a document from original creditor stating that I am not responsible for the collection item ( Unfortunately the collection company refuses to provide me documentation that it has marked the item for removal ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is showing a XXXX account open for {$46000.00} but they sent a XXXX and wrote this off. Account balance should be XXXX. I have sent copies of the XXXX twice to Equifax. 
This was removed from my husband 's account but not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have shown proof to EquiFax and XXXX about my XXXX XXXX account that this collections account is not my responsibility. That aside, I disputed the XXXX XXXX account 2 years ago with EquiFax and after 30 days it was never removed and it has sat in " dispute '' for 2 years even though it was suppose to be removed after 30-45 days without proof from collector. I called EquiFax and told them it needed to be removed because it had been in dispute for 2 years. The woman at EquiFax said it was n't in dispute and it was just a comment on the account. I told her this " comment '' is keeping me from getting a mortgage loan. She said she would remove it. After removing this " comment '' my credit score dropped XXXX points. This proves that this account HAS been sitting in Dispute for 2 years or more and should be removed. Once the comment was removed it went back in collections and dropped my score tremendously! EquiFax is n't following the rules of disputes and it is effecting my credit score. I have contacted EquiFax by mail and by phone and have n't gotten anywhere with them. They claim that they ca n't do anything which makes no sense. They have a dispute department and the guidelines state that when an account is disputed the collector has 30 days to respond and if they do n't then the item is removed. This account sat in Dispute for 2 YEARS!!! It was never removed and now it has dropped my score XXXX points when they removed the dispute. I also have a student loan on my EquiFax report that is not my debt. I have never had a student loan and it was disputed the same time the XXXX wireless was disputed and it has sat in dispute for 2 years or more as well and should have been removed at this point. This account was never late and was paid off. So even though it is n't a negative account, it is n't mine. It needs to be removed. This student loan is STILL sitting in dispute at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Paypal Holdings, Inc
State: MD
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
paypal has frozen my account, locked my funds without notice and when asked why they said my busniess was growing too much. The number of disputes with our customers was always the same ratio as the amount of items we were selling since we started. we have always provided the goods and services to our customers with updated tracking info on every single purchase. we are highly experienced with our business as we have been selling goods with paypal since XX/XX/XXXX however paypal calls us a high risk. In addition paypal allowed us to open an additional account for the convenience of our business the XXXX was in XX/XX/XXXX the XXXX in XX/XX/XXXX paypal always knew we had a XXXX account and they were linked together. XX/XX/XXXX paypal placed a reserve on our account because we received a higher number than usual of unauthorized chargebacks. Paypal accuses us of circumvent their reserves and violating their policies in section XXXX of their user agreement even though we opened the XXXX account over a year before any reserves were placed. cleary we did not open this XXXX account to circumvent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: Paypal Holdings, Inc
State: TX
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I bought XXXX EBAY gift cards around XXXX XXXX to XXXX XXXX : Details given Below : Gift Card number : XXXX was bought on XXXX. It should have {$100.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$100.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 

The gift cards were purchased at EBAY website from seller PAYPAL. EBAY and PAYPAL were owned together at that time. 

These gift cards could only be used at EBAY.com and nowhere else. I have proof of purchase emails available and furnish as necessary. 

All these gift cards have been fraudulently used by someone and zeroed out. EBAY Fraud detection team acknowledged that but they are not helping me further at all in recovering the {$800.00} or any part of it. 

I want the answers to the following questions : Which ebay users registered in which countries used these gift cards? I want the user 's verified addresses and names so that I can raise a civil lawsuit against those people. 
What is the action that EBAY has taken against these users for using my gift cards? 
What is the transaction history of the gift cards? 
What are the fraud prevention measures that EBAY took before people trying to redeem my gift cards? 
How many gift card balances did those user ids check before trying to use my gift card? 
How long those user ids are active and are they still active? 
How many of these gift cards are being fraudulently used everyday? 

I did not buy these gift cards from third party but their erstwhile sister company Paypal and from EBAY 's website. 

If Ebay can not safeguard the gift card usage by people, then they should have a fiduciary responsibility to stop selling gift cards everywhere. 

It seems like ebay condones people from stealing gift cards of others without punitive action. 

I need more answers than a cookie cut and paste response. 

Could you please help taking my case up with EBAY to get all these details? 

Also, could you please help me getting my money back from EBAY?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-05
Company: Paypal Holdings, Inc
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Paypal Credit claims to have offered numerous payment plans/settlement offers to me. I am only aware of one settlement offer of XXXX and a few payment plans which do not include a settlement. These plans are not agreeable as they do not settle a portion of the balance, which is fraud. I attempted to take advantage of the settlement offer of XXXX, however, Paypal collection reps lie, do not cooperate, hang up the phone. One rep lied about a cease and desist order on the account, stated she could not discuss the account with me. At the time, a payment arrangement was offered and attempted to take advantage of it. However, the rep lied stating there is a cease and desist so she did not have to discuss the account and could then go home at XXXX EST. That call was made shortly before closing time, Paypal reps like to do anything they can in order to go home at close time. I can confirm she lied because I did not in fact place any cease and desist on the account, there was not mention of it prior or subsequently, this confirms the rep lied. Another rep breathed into the phone, then hung up after I said hello several times before closing time, around XXXX EST. They also lie stating payment arrangements/plans are all expired at time of call. The last reps I spoke with, XXXX names XXXX, stated he wanted XXXX a month for six months and would accept settlement amount of XXXX. However, I can not afford XXXX a month or XXXX, another amount offered to me. Paypal Credit does not take into consideration some fraud charges to an XXXX for jewelry which run into the thousands. I think XXXX is a reasonable settlement but again, can not afford XXXX or XXXX a month. If I could afford such a high amount then account would not be past due, Paypal and its reps are also asinine among other things previously mentioned. They claim to have offered numerous plans prior, but lie about them saying they are expired and do not offer any settlement. Their mail has been returned as I have moved and will not give them my new address, they have no need for it, considering how uncooperative they are/unprofessional. In closing, please advise them I will accept offer of XXXX but can only afford XXXX month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Trident Asset Management, L.L.C.
State: TN
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:
On XXXX XXXX, 2017, I sent my settlement payment ( USPS money order ) to Trident Asset Management. My payment was delivered on XXXX XXXX, 2017 at XXXX. They are claiming they have not received my payment. I have called everyday since being delivered checking the status. I believe they have my payment and are holding it for some reason.

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 2017-01-10
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint centers on continuing communication problems with my Mortgage Service provider. Essentially the following has occurred 1 ) A total lack of response from my case manager after repeated calls as to the status of my application. 2 ) In my last application filed in early XXXX, and during my 2nd to the last conversation with my case manager, I was informed that my application was incomplete. ( small deficiencies. - I failed to check the box next to my signature in the XXXX Assistance Form proving that the signature below was indeed my signature ). 3 ) I then provided the remainder of the information in the application and sent this information by mail to my service provider. 

About a week later, I called my case manager and spoke with her, and she told me that the application was now complete. Several weeks passed with no response from the company so in XXXX XXXX I called my case manager to ascertain what was going on. I called several times and received no return call. Finally, feeling very frustrated, I called and asked to speak to someone about what was going on. This person looked up my file and told me that the additional information was n't received, and that to my utter dismay, I learned that my file was closed!!! 

This person said that I 'should ' have sent my application by email, not mail. The essence of my complaint is the ever changing rules regarding methods of communication. That I could send my application by email was new to me. In the past, I have always sent information to the company by US Mail. 

If I am allowed to send my applications by email, why ca n't I communicate with my case managers by email? The Servicer, wo n't allow case managers to send or receive email. 

This company has changed their processing rules so often that it is nearly impossible to communicate efficiently. We live in a digital world. It has now been five years working with this company to try to save my home. In the beginning, I was able to communicate by email with my case manager, and that rule changed about two years ago. 

The industry processing rules call for accessibility and a fast application process. 

Honestly, in the spirit of time, and consistency, I ca n't fathom why the company wo n't let case managers send and receive emails, except that the corporation does n't want to have any real records of what transpires between Mortgage holder and case manager. 

This company has done everything it can to make the application and review process an entire tangled web of ever changing attitudes completely counter to the spirit of a quick review process and resolutions to customer needs. 

This company has demonstrated time and again that it will do anything to confuse and obfuscate the mortgage modification process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am appealing to cfpb for assistance in addressing my experience with PHH. I received a letter from PHH about the decision reached on my loan application denying approval because they could not obtain an acceptable appraisal of the subject property. PHH hired the appraising company and is accountable for the professional work product of their contractor. I am requesting that ALL documentation related to my application and the decisions that PHH made on this matter be provided to me with representation that no omission of documents have taken place. This document request is for both PHH created materials in addition to all external documents that PHH used in reaching its decision. I am extremely disappointment with PHH 's performance and the lack of being willing to engage me with a more expansive explanation than what I received when I called XXXX and then reiterated by XXXX 's supervisor XXXX XXXX upon notification that PHH was not approving my mortgage. Clearly the words on the bottom of their correspondence " If at any time you do not feel that I am providing exceptional service, please call or e-mail my supervisor, XXXX XXXX at XXXX XXXX or XXXXXXXXXXXX for assistance '' are simply a corporate feel good slogan and not something that is practiced and certainly not in my case. 
I first engaged PHH through my relationship with XXXX and XXXX remains an exceptional service provider to me. Even though I have been an outstanding customer of PHH since 2003 and financed XXXX homes and refinanced one a second time with PHH through my XXXX relationship, PHH has destroyed a meaningful customer/client engagement because of your handling of this matter. 
In that I immediately engaged another mortgage company for a loan on the same property the day after PHH 's rejection, that company hired an appraisal company, completed a comprehensive review of my application with them and still managed to clear underwriting and go to closing on XXXX XXXX. Same property, same market and economic conditions, same borrower! With this in clear focus I am requesting a FULL refund of all expenses that I paid to PHH because of lack of value in exchange for my money. I did not even receive a copy of the appraisal as stated as an entitlement in your " Additional Information About This Loan '' document. 
I believe that PHH has failed to act within appropriate legal requirements in my case. I am looking forward to CFPB assistance in receiving an expeditious response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Credit Service of Logan, Inc.
State: UT
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:
XXXX and Credit Service of Logan contacted me seeking payment of a debt without the source documents. I asked for the documents and neither company could produce them. Instead they produced an old contract from XX/XX/2011 which had been cancelled. If this were indeed the source document, then It would indicate that XXXX has been overbilling me for over 5 years by $ XXXX. I have contacted both companies and they fail to resolve the issue or produce the appropriate documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax refuses to remove an invalid judgment on my file. I have gone to the courthouse, and they have no docket on file under my name, and they said they would not have been able to verify a judgement with a credit reporting agency, as their is NO DOCKET on file, or recorded judgement for my name. The judgement is not on any other agency report, only Equifax. I have disputed this twice with Equifax. I have asked them their method of verification. They refuse to remove it, and have offered no method of verification. This needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened an account with Huntington National Bank this year. liked the sunday hours. foolishly took XXXX bad checks from a scammer promising a loan, totalling more than XXXX. which was charged to me once they were n't honored. XXXX Police have a report. Huntington put account under review. then today said bank is closing account. Real sympathetic, huh? Problem is my paycheck from XXXX XXXX was to deposit today. They told me I had a XXXX balance. and check would be sent back. in 2 or 3 business days. at which point employer could reissue paper check. that could take next all of next week. Meantime I have no money, no gas and I need groceries. I want my money. I do n't have any other money. I 'd get a payday loan, but I made a typo on account number at XXXX, and that got held up. ARGGGGH.

Company response to consumer: Closed with explanation