BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: RockLoans Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Due to a third party credit repair agency mistakenly disputing the wrong information ( all done via computer and non-human error ) Rocketloans received an auto-letter of possible fraudulent information on my account. Instead of contacting me to clear up the very small issue which has happened before with a credit card and is very easily fixed they took it upon themselves to breach Debit and Note contracts to quickly try to set an unauthorized ACH withdrawal for the entire loan amount just days after issuance with no regard to the implications with myself and my bank. 

Unfortunately due to their unprofessional XXXX  response to the matter they breached contracts and my bank has cleared up the issues and I have blocked them from all further contact. I will contact all legal and law enforcement authorities if any more contact or attempts to debit are made and they will be used against them in a court of law. 

Please use this example to show the public and issue correct consequences for RocketLoans actions with total disregard to my well being since they indirectly also had my bank account locked ( to which I could not even access money to eat ) which I cleared up on my own while they ignored all calls even after I sent immediate proof of all information needed to clear the mistake. 

This loan is now void.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I requested that ChexSystems remove an erroneous address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) from my ChexSystems report. It seems ChexSystems is refusing to respond or remove the offending information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Incomm Holdings Inc.
State: MA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
My wife and kids gave me a {$500.00} Paypal gift card for my XXXX Birthday. Went to cash it two weeks ago and there was no money on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I tried to open an HSA ( Health Savings Account ) for my employee-provided health insurance. I was turned down by XXXX different banks because of bad data ChexSystems had allowed into my file. ChexSystems tells me that someone at another financial institution typed in my SSN with a completely different name as part of a credit inquiry. ChexSystems then flagged my file as so bad that I could n't even open a simple bank account. This affected my health insurance open enrollment, my participation in my health plan HSA, and cost me many extra hours of time and weeks to unravel with ChexSystems. The bad business practices of ChexSystems failed to detect this problem earlier, despite their systems having all the necessary information. Instead, they flagged me as high-risk at XXXX banks. I highly recommend that companies avoid using ChexSystems entirely. While this issue is now resolved, I hope ChexSystems will change their faulty business procedures to avoid harming 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 explanation
Consumer complaint received 2015-10-03
Company: Financial Management Solutions, LLC
State: MD
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 recently relocated and during my relocating, I have been made aware that I have a fraudulent debt on my credit report from Financial Management Solutions LLC ( FMS ) located at XXXX XXXX XXXX XXXX XXXX, MD XXXX for {$1300.00}. They are claiming this debt was acquired from money owed to a rental management company called XXXX XXXX that went into default XXXX. I did not move into the property until XXXX/XXXX/XXXX and when I moved in XXXX, my lease was well expired, I was up to date with my rent payments and had a good walk through and relationship with the management company. I never received any outstanding bill, phone calls, etc in regards to any outstanding debt. I do not owe XXXX anything and when I called XXXX XXXX to inquire about this debt, I was told " I do n't know what you 're talking about, you do n't owe us anything ''. I sent a letter on XXXX/XXXX/XXXX to FMS requesting a validation of debt to and as of XXXX/XXXX/XXXX, have received no response. In the meantime, this debt is on my credit report and is affecting my ability to support my family. I have been in the process of hiring an attorney ( XXXX XXXX XXXX ) in this matter and will update with more information once it has been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Well this number keeps calling me XXXX and the guy his name XXXX XXXX keeps calling me and also called my fiance and i would like it to stop he called my fiance and ask her questions and i wish rhey can stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Paypal Holdings, Inc
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I created a Paypal account a while back. I was using the traditional debit function only for a long time and it worked fine. During XXXX of my purchases in XXXX, after I logged into my account on the payment page, Paypal defaulted my payment option to Paypal Credit, which is a credit option they offer. In order to get around this default, assuming I noticed it, I would have had to know to go up to the top and select the " Change '' link next to " Payment methods '' in order to pay the traditional way. After that, a customer service rep. insisted that I had to have filled out information that set up my credit account ; however, I am very skeptical of this. I do not remember doing this, and I know that I would have stopped what I was doing had I known what I was doing. I asked if this rep. could prove in any way that I set up this account and he could n't. He also insisted that I marked that I wanted to pay with credit ; however, I had to explain to him that it was the default option. I went back and simulated another purchase. I did not have to make such selection ; it was the default method. When I started receiving statements, I looked on my activity page and saw that all transactions were completed. I just assumed that these were statements informing me of my activity. I saw no indication of an outstanding balance in my activity. Only when I got a paper statement, opened it up, and saw the amount due with a very expensive late fee did I realize that something was wrong. I am not sure if this practice is illegal, but it is certainly unconscionable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07
Company: Specialized Loan Servicing Holdings LLC
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I both lost our jobs in 2008. We immediately called our mortgage company - XXXX XXXX XXXX. We were told that we would not be eligible for any assistance with the issue until we were 90 days delinquent on our mortgage. We used all of our savings to keep the payments current as long as we could. Once we became 90 days delinquent we called them again to seek assistance. We were then told that we DID'NT MAKE ENOUGH money to for a mortgage help. After missing a few more payments - we XXXX found new jobs! So with our first pay checks we sent in a full payment- It was accepted. At that same time we asked XXXX for some kind of help or modification to help us get caught up. We were then told that we made TOO MUCH money to receive any mortgage assistance. In desperate effort to get caught up we sent in a second full payment 2 weeks later ( we decided to not buy food or other essentials to scrape it together XXXX. The actual check was returned to us uncashed stapled top a letter saying that we were too far behind now and were in foreclosure. After many months and with the help of XXXX XXXX and XXXX XXXX XXXX - on the day before or home was to be auctioned we received a mortgage modification packet fro XXXX. Desperate to keep our home - we signed it. Basically, all it did was tack the back payments and fees onto our loan. So we began making payments. We lost our jobs for the second time a few months later. With no more savings from our first job loss I assumed our home was surely lost. We are still here but after many, many submissions of requests for mortgage modifications - we are now in foreclosure again. I do n't why it has taken so long. Also, during the past few years I looked into a short sale and learned that due to the previous mortgage modification and decline in home values the appraised value of our home is about {$80000.00} under what we owe on our mortgage. So, I have also requested a mortgage modification that includes principal reduction to no avail. My goal is to get a mortgage modification that includes principal reduction to a fair market value on my home. WE are now able to make payments and would like some help with the matter. I would alos like an investigation into my many attempts at requesting mortgage assistance because I suspect that at some point in all of this we must have been eligible for assistance but our paper work was either purged or not even actually considered. If this is true then we would not be in this situation in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
I received a gift card last year that has an expiration date of XX/XX/2015. My understand of federal law is that it can not expire for at least 5 years. The issuing bank is refusing to re-issue me a non-expired card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Yes, I have an on going issue with FLAGSTAR BANK, for 5+ years. I received a loan modification offer on XXXX/XXXX/XXXX. The paperwork was dated XXXX/XXXX/XXXX [ see attached ] saying first modification payment due date XXXX/XXXX/XXXX. This paperwork was signed and returned on XXXX/XXXX/XXXX. After only a brief time to review offer. Was not given the proper time to review and question the offer. I called Flagstar bank asking why there was an increase in the principle balance [ {$6000.00} ] of my mortgage before and after modification? I was told by a man calling himself " XXXX '' [ refused to give last name or ID # ] maybe the Losses were Capitalized. In the paperwork, I have given you the facts that support SEVERAL Violations against FCRA, TCPA, FDCPA, RESPA, TILA, HAMP rules, knowingly commented by FLAGSTAR BANK. Was not given the month relief when the Modification started. I still receive collection calls on a weekly basis from FLAGSTAR BANK. even after the have acknowledged my cease and desist order to stop calling cell phone and make all communication all in written form. As of this writing, I still have not received a Mortgage Statement except copies followed per letter. I have request several occasion the complete " MORTGAGE HISTORY LEDGER '' for this loan to no avail. As they have prior sent for the XXXX Calendar year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: The Regional Adjustment Bureau, Incorporated
State: NC
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I have received multiple messages from " XXXX XXXX '', Process Server, stating that they have a certified notice of intent to serve papers on an outstanding debit. I know this is bogus because I do n't have any of these. He stated he will be at my home between XXXX-XXXX tomorrow so have ID on hand, put up dogs and remove guns from premises. I spoke with the police department on this.. they confirmed it was a money scam on a former pay day loan, and the phone numbers were from burner cells. Same person has called back using name " XXXX XXXX '' XXXX Now we have a XXXX XXXX who is also XXXX XXXX and XXXX XXXX XXXX 

Calls are coming from the following numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have written transcripts and phone calls if desired.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Flagstar Bank, N.A.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I have been trying to get a short sale approval since XXXX of 2014 for a home we rented out but due to the disrepair the tenants left it in we could not afford to fix it nor could we continue to pay on it as we had another home we were living in and had a child born in XXXX of 2014 in which my wife quit working to take care of. We contacted our mortgage company about it and they sent us paperwork and we had to resubmit it numerous times due to them claiming they did n't receive it or not giving us the proper forms and having to submit more. It took them 5 months to finally approve the process to begin a short sale. However, when we found a buyer, the mortgage company would not contact us to let us know the situation on it and when I or my realtor contacted them they would tell us different things. The buyer backed out of the sale due to the lack of progress from the mortgage company and my realtor took the house off the market until we could find out what was going on with the mortgage company. At that time, the house had been on the market for at least 4 months. A week after that, the mortgage company finally had us sign an Approval to Participate and said that we had to have the house on the market for another 4 months. My realtor found another buyer for the home but now the buyer is looking to back out due to the mortgage company once again not responding to my realtor or myself. Also, the mortgage company keeps refusing to accept documentation from my realtor that would allow the short sale to be approved. I have received several letters informing me that I have a single point of contact but whenever I call they are unavailable and I am told anyone can help me with the situation. I called again today and now am being told only the underwriter can help me but he is also unavailable. Through this whole process, we have gotten behind on our other home and we can not get any loan modification from them until we resolve the issue with the first home which due to the lack of progress, we are concerned we will lose the home we are currently living in and trying to raise our family in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Paypal Holdings, Inc
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
Pal Pal Credit line made encouraged my response on every purchase to use their credit plan and defer payments for 6 mo with no interest. At the end of that 6 mo all the accrued interest was charged. The initial offer had no mention of this and the assumption was that in order to start using their service they were offering this 6 mo grace period without interest. I have sent a note to them that it was deceptive and unethical with the expectation that the customer will miss or forget to pay before the deadline and incur six months of interest. When I called the agent was clear that it was in writing and when looking back I did have to dig to see this disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a refund from Ebay, they gave me the following PayPal transaction ID XXXX. This is from XXXX XXXX, 2016, after several calls and emails to Paypal they ca n't find the transaction, they asked me for all my credits card numbers, address, accounts, they asked me if I have husband, brothers, son, they asked me for the name of the merchandiser, really I do n't know what kind of mess they have there but at this time I have no refund. They asked me the transaction number about 50 times but at this time I 'm scared because I gave to them all my personal information just for a refund and I do n't know if this is normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
False statements submitted in a response letter from US BANK NA I did n't vacate my home the XXXX XXXX county sheriff 's deputies executed an illegal homeowner eviction of XXXX 2013, I, myself the original homeowner, relative room renter and a host of neighbors are KEY WITNESSES because of lack of action by the District Attorney 's office on my pending legal complaint pending before the District Attorney 's office. FOR PERSONAL SAFETY REASONS I POSTPONED TO TAKE BACK UP RESIDENCE IN MY HOME. There is no FHA LOAN ESCROW CLOSE recorded on my real estate property with the XXXX XXXX county recorder office, as part of the OCC FEDERAL CASES investigation into us bank na mortgage loan account number XXXX, it was discovered via identity theft linked with loan fraud qualifications in my name the former senior partners and title holders of my real estate property working with U.S.BANK NA fraudulent activity defrauded the DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT of approximately {$130.00}, XXXX this is to include an alleged down payment governmental grant of {$5000.00} the FHA LOAN FUNDS WAS NEVER RECOVERED thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Resurgent Capital Services L.P.
State: MA
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:
XX/XX/XXXX Certified Mail XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Credit Report Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

LVNV FUNDING LLC ACCOUNT ENDING IN XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. The original creditor was listed as a XXXX retail credit card. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
XXXX previously removed the accounts from my credit file, but I recently discovered this debt is back on my XXXX credit report. As XXXX XX/XX/XXXX, XXXX began to report the account once more on my credit file. This isnt right and the loan should be deleted from my file like it was several months ago. 

Please let me know if you have any questions. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 I am disputing the debt as reported by Midland Funding for {$630.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Speaking with paypal shows that I have NO restrictions yet, they have placed an account limitation. I am suppose to be able to transfer and withdraw money, open or close bank accounts, etc while the hold is occuring but noone at Paypal can help while the restriction is in effect. I have made repeated attempts on-line to change to my new bank account with a window opening telling me either to ; " Verify Security as paypal 's system does n't recognize me '' but after doing everything their site wo n't allowe me to continue to the next step or there 's another window that pops up saying ; " action cancelled ''. I spent forever on the phone with a rep and Supervisor today and neither could get around the " restriction '' even though they both said they would. I therefor can not add my new bank account to have the money illegally held by paypal transfered. As this is a paypal business account, paypal is now interferring with the normal course of my business. I can not get to any money held by paypal all because some XXXX ca n't read any of the documents provided by me. Paypal is preventing me from paying employees and vendors as paypal has all my money. Paypal has asked for " Proof of my Social Security Number '' which was provided to them 15 days ago. They have acknowledged this and marked it as my having perfermed the fullfillment. Yet, the other restriction is to " Confirm My Social Security Number '' which is the same as their other trequest yet I have now fulfilled this additional XXXX request with XXXX different paypal agents, including XXXX Supervisors as well as my providing paypal copies of a letter from Social Security and a copy of my actual S.S. card. For some reason, paypal 's complience dept is not releasing the hold. I am livid that they are preventing me from accessing MY funds with no basis and my having jumped through every hoop to apease them. How am I to conduct a business when I can not get to my monies? Thank You.

Company response to consumer: Closed with explanation