BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-10
Company: Dynamic Recovery Solutions, LLC
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:
The afternoon of XX/XX/XXXX I received a call from a debt collector saying they where collecting a XXXX XXXX acct from XX/XX/XXXX the girl on the phone said the acct was reporting on my credit report on and it was n't she did n't inform me that she was a debt collector and that she was attempting to collect a debt then the girl stopped talking then her supervisor can on the line and said that the girl was new and it was OK then he said the acct was n't on my XXXX and said that she was looking right at it and when I told her it it is not on XXXX she stopped talking and her supervisor came on the phone and said the girl was new reporting then said this was n't a reporting issue I let him know it was because she mislead me to think it was on my credit report so she could try to scare me into paying on this acct then His manager came on the line and said he was going to hang up on me because I was n't being professional then he put me on mute to wait for me to hang up came back to the line and was tell me to pay the acct when I started talking about how his company did n't follow the fdcpa he said he was ending the call. The company on XXXX in XXXX nc and the caller I 'd said va.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Risecredit, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
RISE which I know nothing of received a notice from me asking for verification of this debt that they claim that I owe with them. I want the original signatures and documents relating to this particular debt amount. They never responded to my request sent to them for verification .The letter was delivered to them XXXX/XXXX/16 to their front desk. 

1st violation is they did not respond to this. FDCPA violation 2nd violation they never notified me of this debt in the beginning before it hit my credit reports. FDCPA violation as well as FCRA violation 3rd violation they verified with the credit bureaus of this fraudulent account and this is a violation of the FDCPA and FCRA. 

I have the attached delivery sent to them asking for verification and the response from the credit bureau stating that they contacted RISE and they verified the debt but they refuse to verify it with me. I will resort to legal grounds and take it further if I have to. I want this account deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Simon 's Agency in XXXX XXXX put a medical debt that my ex-husband is responsible for in the name of my XXXX year old child. They have relentlessly called my personal cell phone and sent letters to my address where my ex-husband has never lived. They also suddenly changed tactics and decided to put the debt in the name of my daughter. When I called they refused to change the name to the father of the child who is listed on the health insurance and who 's address is listed on the insurance ( I have nothing to do with and have never had anything to do with this insurance ). I spoke to XXXX XXXX about this matter and they called Simon 's Agency to change the name to the father, but Simon 's refused to change the phone number or address so I will continue to get the bills and phone calls. I just received a phone call XXXX mins 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 2017-03-02
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I purchased an ebay gift card on ebay.com through seller Paypal XXXX XXXX on XXXX/XXXX/XXXX with a stated value of {$100.00}. The buy it now price for this auction was {$95.00}. This gift card was delivered via email on the same day and sat unused in my email inbox until I tried to use it for the first time almost a year later on XXXX/XXXX/XXXX. At this time, I entered the provided gift card code and the balance showed {$0.00}. 

I filed a dispute with Paypal and they promptly denied my complaint. I searched online for a possible solution to this problem when I came across XXXX, where users in the forums reported a hack of the Paypal XXXX XXXX database. There were many users reporting stories similar to mine, and one of the members directed people in the forum to consumerfinance.gov for a possible resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15
Company: Paypal Holdings, Inc
State: MO
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX XXXX, 2015, I discovered that I have been a victim of Identity theft as someone opened a PayPal Credit account in my name without my knowledge or permission. This account was opened on XXXX/XXXX/2015 with an address that I had not occupied until XXXX/XXXX/2015 and at the time was only known to XXXX potential mortgage company, XXXX XXXX. My complaint is against PayPal Credit specifically. I have discovered that all anyone needs to open a PayPal Credit account is the last XXXX of a SSN. Since most documents conceal all but the last XXXX of your SSN, this is a concern. Why does PayPal Credit have my SSN on file in a database? How do I remove my information from their database? Is it legal for them to store my personal and confidential information? Any consumer can go to XXXX and open one of their credit accounts with only their name, address, and last XXXX of the SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX REF : XXXX Date:XX/XX/2016 To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following HARD credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 
Sincerely, 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 2015-08-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XX/XX/XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On or about XXXX XXXX, 2016 I contacted the Experian XXXX CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.

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 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX, I began working with my existing mortgage provider ( Bank of America ) on refinancing my mortgage. My loan officer and I engaged in back and forth discussions over the next couple months, which included the bank charging me {$610.00} on XX/XX/XXXX for the processing of the loan refinancing. I provided all documentation that was requested and possible for me to obtain, such as my W-2s, tax filings, home insurance information, however, I began to grow concerned when they indicated that they might not be able to process it because my student loans were in " deferment. '' I explained to them that this was a result of the CARES act, which provided an automatic suspension of principal and interest payments on federally-held student loans through XX/XX/XXXX. I am currently enrolled in the PSLF program. They began asking for various pieces of evidence on not only my school loan payments, but also about my company 's bonus structure and why I got a higher amount at the beginning of year XXXX as opposed to XXXX, which I provided in writing the best I could since I did not make the decision of what I got for a bonus. Additionally, I provided them evidence of every payment I made as part of the PSLF program, as well as all documentation provided regarding the CARES act and how it would pertain to my loan. This was not sufficient, however, they continued to ask questions on how they determined my monthly payment plan, which I explained was based on tax filings, which were already made available to them. In the end, I was unable to obtain the processing because I could not " Obtain written documentation from the creditor verifying : ( a ) Actual monthly payment ; ( b ) Payment status ; ( c ) Outstanding balance ; ( d ) Loan terms '' that were satisfying because that information was {$0.00} due to the CARES act suspension. 

After following up over the past month and not hearing anything, today, XX/XX/XXXX, I found out that they had ultimately denied my refinancing as a result of the loans being in " deferment. '' From everything that I can gauge, the CARES act should not have prevented me from obtaining the refinancing, and I believe that the bank is using that as a reason for me to not have a lower payment. Additionally, I was informed that I would have to request in writing to have the money for the processing refunded, and that they could not guarantee I would even get that money back.

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 2016-06-27
Company: Risecredit, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent several requests to RISE per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

Company response to consumer: Closed
Consumer complaint received 2016-08-25
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My spouse had to change her number because these people kept calling at odd times to ask about some address in Texas that I never lived at!!!!! We do n't have no {$400.00} to pay them. We 're on a fixed income as it is, and these people just do n't leave well enough alone!

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 2016-03-31
Company: Cottonwood Financial Ltd.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received a loan from the cash store for a total of {$2000.00} and was told that the payments will be deducted from my checking account if I was not able to pay. I have been charged an overdraft fee because the funds were not available and even though I notified them in advance the my told me that there was nothing that could do besides refinancing my loan and making me start all over for a payment that was only about {$100.00} dollars cheaper but still almost unaffordable. My payments are currently {$500.00} and I can not afford them I am being charged upwards of 400 % maybe even more.

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 2015-12-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed several medical collections in my credit file with all XXXX CRA 's. Once the investigation was completed and " verified '' I contacted the CA directly. To make a long story short, there was an issue with my particular insurance company so the accounts would be removed from my credit file. I sent in a copy of an email that I received from the CA to the CRA 's. They verified that they did receive the email. I was told that was not enough for them to remove the accounts ( the email had the senders ( CA Supervisor ) contact information, phone, email and fax number. All they had to do was call them. Once I received the actual deletion letters from the CA 's, I sent in the copy 's to the CRA 's ( all on company letterhead ). I called and verified that they did receive the letters. Still the accounts are in my credit file. I am trying to get a mortgage. Since sending the request to deleted the interest rates have increased and who knows whether the rates will increase again by the time they remove theses items. I informed the reps of this. I do n't understand why, if you have letters from the creditor saying delete the accounts, why it 's taking nearly a month to get them removed? I am still waiting ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
my Barclaycard credit card account credit line was reduced from XXXX to XXXX, this action causes major change in my credit score, because it maximizes card over XXXX % thereby reducing credit score, all payments are on time, never late! I HAVE XXXX CREDIT CARDS, AND THE ONLY ONE THAT REDUCES CREDIT LIMITS IS BARCLAYCARD!

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 2016-10-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i have submitted to Experian documentations that supports my complaint of fals and inaccurate information being reported by their agency. I have submitted bank statements reflecting correct payments amount being paid to XXXX on this account and a copy of sales contract when credit was established reflecting a {$730.00} down payment. Experian has failed to acknowledge the correct payments being made and the beginning balance in lieu of the false information that they are reporting without any evidence to support their erroneous information. My monthly payment s of {$170.00} are being shown as {$120.00} and the beginning balance as {$3900.00}

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 2015-10-08
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My father a retired XXXX year XXXX XXXX Veteran recently passed away and I went to his local bank, Regions, located at XXXX XXXX XXXX XXXX in XXXX, AL to notify them ( and provide a death certificate ). I asked the bank to place a hold on his checking account to prevent any unauthorized debits while we completed the probate process and the bank personnel refused to do so. They were extremely rude and demanded that I provide letters of testamentary from the probate court, even though I was not trying to access the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX off I do n't owe these petty criminals XXXX anything. They intentionally committed fraud and deceit. Painfully obvious by the XXXX XXXX payback they stole from there customers. These clowns have taken me to XXXX seperate collection agencies. NOW I just seen a fraudulent claim in my experian credit report. XXXX refused to get accountable, now these petty thieves think they can harass and scam my credit file. This is criminal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted Experian Credit Agency after my mortgage company informed me that there was a judgement listed against me on my credit report. I was surprise because a couple of months earlier, I had requested my credit report from " Annual Free Credit Report '' website and the judgement was not listed. I received a copy of my credit report from the mortgage company and they explained that I need have Experian remove this information. I proceeded to contact the creditor ( XXXX ), they explained that they never reported this information to Experian and proceeded to provide me with a letter explaining that the information in my credit report is incorrect. I forwarded this letter to Experian through their dispute center and U.S. postal Service. I received a letter a day ago stating that they would not be removing this information. I need this information removed, because is preventing me from obtaining a home mortgage. This information should have never appeared on my credit report also because is under the name of a company that used to own, not under my personal name. I will appreciate it if you could please help me resolved this matter. I have tried several times to remove this information from my records, but Experian refuses. I have attached copies of my credit report showing that the judgement was against " XXXX XXXX, XXXX, not XXXX XXXX. I am also attaching the letter from XXXX ( XXXX XXXX XXXX XXXX the creditor named in the judgement stating that the information in my credit report is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received notice from my attorney XXXX XXXX XXXX on XX/XX/2016 informing me that my mortgage lender Regions Bank dba regions Mortgage has declined the short sale offer presented to them by XXXX stating there is not enough time to review for short sale due to the foreclosure date set for XXXX/XXXX/16 and that they require an offer within 35 days of a scheduled foreclosure to proceed. Regions has also declined XXXX 's postponement requests and will not reopen the file. I believe that Regions has been unreasonable in rejecting a verified binding short-sale offer simply because they do n't have sufficient time to review the offer. The buyer has already conducted a thorough inspection of my property and home. I am desperate for help and do n't know have any remaining viable recourse to stop the XXXX/XXXX/16 foreclosure. I am in this position due to divorce and have been working diligently through XXXX to complete a short sale. I do n't believe in filing for bankruptcy and I do n't have the money required for reinstatement of my mortgage loan even if I liquidate my 401K. According to my attorney Regions is not doing what the government says the lenders should to provide foreclosure alternatives to homeowners. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: Early Warning Services, LLC
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Early Warning is reporting a fraud situation completely barring me from opening a bank account. I was a victim of someone who tried to redeposit a check i had previously deposited by mobile phone

Company response to consumer: Closed with explanation