BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-28
Company: I.C. System, Inc.
State: SC
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 pet hospital submitted an account in the amount of {$270.00} to I.C. Systems for collection. I do not own a pet nor have I ever yet this collection agency insist that I owe this debt. I have not received any correspondence from XXXX or I.C. Systems stating that I owe a debt or verification that this debt is valid i.e. paperwork, video, etc. verfying that I, XXXX XXXX, brought an animal to their facility. Please help me resolve this matter. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2016 paypal has limited our business account due to the fact that there was a charge back from our client. After speaking with the client who stated he " accidentally '' disputed the charge on thi credit card because he did not recognize nor ever done business with paypal who 's logo was displayed on the bill instead of our company logo. 
Client 's credit card bank XXXX then reversed the disputed charge, deducting the amount from our client 's account and crediting back to paypal ( see attached letter form the bank ). Paypal however claims NOT to have received these funds and is demanding us to cover the negative balance on the account. Our numerous attempts ot resolve this issue with paypal were ignored. We were told to wait 75 days then 90 days and still money is missing ... When requesting a further audit and search for the funds we were told by XXXX that she 's the top fo the food chain and this issue can nto be escalated any higher .... 
please help this is unfair collection practices and wrongful termination of the account case, as well as sabotage of the existing business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: Paypal Holdings, Inc
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX XXXX ( XXXX ), partner, affiliate, and reseller of XXXX XXXX sold a product with a false description. They had claimed that their mining product " XXXX '' they were selling were obsolete-proof, guaranteed to never break down and always remain profitable. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is preparing to shut down all operations and run off with customer 's money. I have attached the necessary documents in this file to support my claims against these charges. XXXX XXXX, XXXX and XXXX has intentionally defrauded customers, lied to customers, and operated illegally. In addition they have also refused access to the products and services customers have purchased and halted operations completely. XXXX XXXX has also attempted to scrub the internet of all incriminating information regarding their fraudulent operations. Even the website www.gawminers.com no longer exists. 

Furthermore it is public knowledge that the U.S. Securities and Exchange Commission is investigating XXXX XXXX, XXXX and XXXX XXXX for XXXX XXXX. In addition I have learned that the Federal Bureau of Investigation and the U.S. Department of Justice are also involved. XXXX XXXX has allegedly fled to XXXX in an attempt to escape the U.S. Government and the charges he now faces. 

I have contacted XXXX with success however they were unwilling to refund me so I opened a case with PayPal ( PayPal Credit ) which was immediately declined because it was not submitted within XXXX days of the transaction date. I have opened a case with the CFPB about this matter a month ago and only XXXX of the XXXX transactions were looked at and resolved by PayPal Credit. I am opening this case to get the XXXX transaction ( Transaction ID # XXXX ) resolved as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Paypal Holdings, Inc
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
I never applied to pay pal credit but a credit inquiry is now showing up on my credid report from XXXXppc i have found many complaints online where they are doing unauthorized credit checks sence i did not authorize a credit check nor applied for pay pal credit i need to have this taken off of my credit report i lost XXXX points do to this error that was not my fault so please how do i go about this my name is XXXX XXXX email is XXXXXXXXXXXX phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Flagstar Bank, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I requested Flagstar bank to send a billpay check to XXXX XXXX Rentals for {$750.00} and it was never received or cashed by XXXX XXXX Rentals. Their negligence caused me to lose a vacation rental, and the only way to get my money back was to file a stop payment on the check that was never received by XXXX XXXX Rentals. They charged me a {$36.00} fee for the stop payment to correct their error.

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 2016-12-01
Company: I.C. System, Inc.
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 resulted from identity theft

Complaint:
I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over XXXX years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

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 2023-03-29
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company IC sytems stated i owe XXXX XXXX {$1600.00}. I called asking for specific dates and they were unable to give me specific information. The rep XXXX XXXX from IC Systems said it was a bill from XXXX  and i have been in XXXX XXXX. She didnt have any information on payments and didnt have address on file just my current address which is my XXXX  address . Im trying to clean up my credit report and have a record of ontime payments, im not sure of where this outstanding bill is coming from and would like it resolved and investigated.

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 2016-04-12
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have attached information taken from Ditech website in XXXX XXXX indicating the following escrow activity. 

XXXX XXXX XXXX/XXXX/XXXX {$1600.00} XXXX XXXX/XXXX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$73.00} I have attached the accounting records Ditech/Greentree has sent via my Qualified Written Request. On pages XXXX and XXXX there is indication the taxes and homeowners insurance payments. There is no indication of PMI payments to XXXX XXXX. I would like a complete record of PMI payments and your disclosure record on this charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I have a PayPal account with a balance of {$5400.00}. In XX/XX/XXXX, PayPal notified me that my account was suspended but without any explanation for why. I tried contacting them several times, by email & online forms, and have never received a personalized reply. I just get very generic emails that my " appeal has been denied '' but again, zero specifics as to why my account has been limited. The messages on their website are very circuitous and Kafkaesque. When I log in, I see messages like " We would like to learn more about some of your recent transactions '' however there is no way to provide such information, they do not specify which transaction is at issue, and they do not have a phone number. I very much need to get the cash OUT of this account and PayPal has disabled withdrawals, I can not seem to access this money in any way. 

Of course, I have not used my PayPal account for anything fraudulent. I had been a PayPal user for probably 10 years until this happened. If you can please prevail upon PayPal to release my money I would be most appreciative. 

PayPal 's site also gives me a case number which has proved useless. 
" Your case ID for this reason is XXXX. " My PayPal account ID is my email address, " XXXXXXXXXXXX ''. 

( I am using the " Money Transfer '' form instead of the virtual currency form, per your web instructions. Therefore, my responses to the other items below will not be quite applicable. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02
Company: Paypal Holdings, Inc
State: IA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We purchased tickets to a local concert using our PayPal account. Tickets cost {$75.00}. It was assumed that PayPal would then charge our Credit Card on file. Apparently the card on file was old and had expired. After 60-90 days from the date of the purchase, we received a statement in the mail for the {$75.00} and {$70.00} additional dollars in late fees ( {$35.00} per month ). We called into PayPal and happily resolved the original {$75.00} fees but contested the additional {$70.00} in late fees because we never received a statement from PayPal to know there was an issue. Since then PayPal has continued to charge Late Fees, its now up to {$180.00} and change after we paid the original {$75.00}. We would have quickly resolved the matter if we had been notified with a timely statement. These fees are excessive by any standard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
After several years of stalling, Shellpoint Mortgage Servicing finally agreed to execute a deed in lieu of foreclosure. The deed in lieu was recorded on XX/XX/XXXX and the mortgage satisfaction was recorded on XX/XX/XXXX by the XXXX County ( NY ) clerk. After several calls and letters to Shellpoint, they are still unwilling to provide documentation that confirms the closure of my account, to correct the information on my credit report or to provide a XXXXfor tax purposes. This includes several calls I made requesting a status, and most recently emails on XX/XX/XXXX & XX/XX/XXXX and a letter that was sent ( and tracked ) to several recipients on XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: DISCOVER BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2020 Discover card was instructed by the account holder to remove me as an authorized user prior to them closing the account. Discover card for unknown reasons is failing to remove me as an authorized user. Discover has caused me to receive a drastic deduction in points and has caused me to be denied credit. Discover seems to be refusing to remove inaccurate information, they have not responded to the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Resurgent Mortgage Servicing after I had refinanced my mortgage with Selene Finance in XXXX of 2013. The very first month they took over my mortgage, they increased my monthly payment over {$500.00}. This was what they said was " their Fees ". I paid the first month of the higher payment and then consulted with an attorney. He sent them a letter, before anything was accomplished, Resurgent sold the mortgage again to Shellpoint Mortgage Servicing, which I found out is an affiliate of Resurgent. Again, my attorney contacted them ( Shellpoint ), and tried to get t situation resolved. I have not payed any mortgage payment since the first payment I had made to Resurgent. All Shellpoint wanted to do was to do a loan modification or a refinance. My original interest rate was aprox 2.8 %. They do not want to honor my mortgage agreement that I originally signed with XXXX XXXX. My attorney all of my original documents as far as the refinancing and has the correspondence to both Resurgent and Shellpont. My home is now being foreclosed upon and I do n't see how this can happen. It is my understanding that when a mortgage is sold, the buyer buys it " as is " and CAN NOT add fees or change the agreement any way unless the property taxes or insurance changes. I have saved all of the payments that should have been made, I just refuse to pay more than what my original mortgage agreement states. My attorney is XXXX XXXX and his email is XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling both of my phone numbers repeatedly, daily. Today they called my phone number 8 times, when I answer the phone there is no one there. I finally waited 4 minutes tonight to actually speak to the person calling. They could not tell me where they were calling from or speak understandably at all. 
They have been double dialing, I get multiple phone calls back to back. A week ago I asked them to send me information about whatever debt I owe and they hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Express Collections, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 a XXXX page fax was successfully transmitted to Express Collections The fax. included a cover page, Identity theft affidavit, a police report and a letter expressing the collection was a result of identity theft. 

On XX/XX/XXXX, I contacted Express Collections and was informed that I needed to prove that there was some actual investigation regarding this collection and that the documents faxed would not be sufficient to remove the collection. She stated that an identity theft affidavit along with a police report would not be enough. She needed something stating that the police was investigating the matter. 

I have followed and met all requirements according to FCRA and FTC. I have no contract with Express Collections and therefore, owe nothing more than what's been provided. 
They are disregarding the law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been denied twice for a loan modification from Shellpoint in the last 6 months. My initial request went in XXXX and I should have been considered for the HAMP program that was still active. I have sent them proof that I can afford my mortgage payment and have asked them to add the arrears to the balance and give me a fresh start through the MHA program and/or their in-house programs. In the first review, the income that was calculated was not accurate and we were denied for lack of income per a discussion with Shellpoint representative, and so we submitted the package again via an appeal to the first submittal in XXXX XXXX. The denial letter of XXXX/XXXX/XXXX also states that the investor on our loan, XXXX has not given Shellpoint authority to modify our loan under HAMP and that the XXXX did not approve a Standard Modification because of the results on the NPV evaluation. 
The appeal was sent in on XXXX/XXXX/XXXX with the supporting income documentation. Shellpoint on XXXX/XXXX/XXXX once again denied our request, now for a different reason that was given to us over the phone. We are waiting for the denial letter as we write this. The reason that was given to us over the phone was something having to do with our property having equity. It sounds to us that the servicer and possibly the investor are just wanting to foreclose my property because there is equity and they would be paid in full, leaving me and my family of XXXX without a home. 
We believe that Shellpoint and its investor can work something out for us and have not taken the necessary steps required by the law to consider all options for us. They keep coming up with a different excuse to not approve our loan modification. Please help us investigate this servicer and investor, we really can afford to keep our home and now are stable to do so. We just need a chance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credence Resource Management, LLC phoned cell, then home. Asked for last XXXX of my SS #. Say I owe {$54.00} for a cell phone, yet I have never had that cell number. I phoned the provide, XXXX XXXX XXXX, who confirmed I do not have an outstanding balance nor had that cell number. Credence also sent a letter to my home soliciting info. When I called them, they again asked for last XXXX SS #. I think this is a scam and am about to call the police.

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 2015-09-21
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Regarding a XXXX installation. XXXX installed internet and TV service under a30 day trial. The service did not function correctly repeatedly. Within the 30 day trial period, I told them to remove it. They did so but charged my account {$130.00} but never sent a bill that I received. They turned this over to Credit Management , LP. to collect. Credit Management would not accept the XXXX reference number ( XXXX/XXXX/2015 ) saying it was rectified. My XXXX score, I just learned last week, is now low XXXX 's down from over a consistent XXXX. I had called XXXX to rectify on : XXXX/XXXX/2015 XXXX # XXXX ( talked to XXXX in XXXX XXXX XXXX said she would fix it and someone would call back to confirm. They never did. 
XXXX/XXXX/2015 talked to XXXX Billing Dept?? Ticket # XXXX said I would receive a letter confirming the correction and XXXX fix on priority basis. As of XXXX/XXXX/2015 no letter was received. 
XXXX/XXXX/2015 I explained XXXX last time the issue but I am certain the gal on the phone was not understanding the issue. I requested to be contacted by a supervisor and let them know this is my LAST call to XXXX. I have no confidence I will hear from XXXX. 
I applied for a home mortgage last week to find my damaged credit score and now have to accept a higher rate 4.75 % due to this. This will cost me XXXX dollars. 
I request XXXX be fined and pay me damages of {$100000.00}. 
I have the notes from each call on file. I also want them to fix my XXXX score and I ask that Credit Management be fined and pay me damages for predatory practices.

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 2020-12-28
Company: Experian Information Solutions Inc.
State: NV
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:
Experian has inquires i did not request nor should be on inquries

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