BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-12
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I order an item ( XXXX ) via online on a website ( XXXX ) which is operated by lucky way trading limited ( with email XXXXXXXXXXXX ) but my order did not came. 
I waited for it for almost a month but still it did n't came. 
I paid them via paypal, but since the item did not came i contacted the seller regarding this matter. This seller gave me the tracking number of the item but when i checked it on our local post office here in XXXX they confirmed that it was reshipped back to the sender ( which is the seller ), at first the seller replied thru email but insisted that it was delivered, but after a few exchange of emails the seller had confirmed and send me an email that the item was reshipped back to them and also confirmed it from our local post office via the tracking number they have given me that it was reshipped back to the seller, with this the seller asked me if i want it to be reshipped back to me but i refused and asked for a refund instead, but after that email that i want a refund the seller had ceased and stop replying my emails, i even tried contacting the seller via telephone but they do n't answer anymore without refunding me. 
with this action that the seller had shown i complained to paypal ( which where i made the payment but paypal had just closed my complain because the seller gave them a tracking number which is still not updated during the review of paypal that said it was delivered to me, but paypal did not asked the seller if it was resend back to them because if paypal just checked the tracking number many times they can see in there that it was resend back to the seller ). 
Paypal closed my dispute and adviced me to communicate to the seller, which i tried many times but the seller did not answered any of my emails and calls and it seems had no plan of refunding me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-04
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I started the hamp trial made all monthly payments on time on XX/XX/XXXX they extended the trial for agreements on my XXXX payment says applied to XX/XX/XXXX and ever since that I have received a late fee every month and I have never missed a payment it showed on the mortgage web site and I have all bank statements that prove this and the company refuses to listed I have seen docs highlighted have called they do no carePhh mortgage / Coldwell banker mortgage they will not remove PMI insurance the value is good they will not help in any way and for the XXXX 5 years of hamp trial you get {$1000.00} a year for payin on time = to {$5000.00} I have received XXXX credit to principle of {$1000.00} and nothing else costing me over {$9500.00} not include all the time and stress for the last 5 years I do n't know what to do plan on file a law suite

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Paypal Holdings, Inc
State: SC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I just received my XXXX invoice for a credit card I do n't even know how I signed up for it. I called Paypal and they informed me that because I gave them me my last XXXX digits of my SS # during a purchase that It automatically signed me up for this card. I have never received a card. I did not sign up for this card and would not sign up for this card. The interest rate on this card is 19.99 %. I have a extremely high credit score and would have never agreed to that rate. I have a debit card and a credit card link to my account on eBay. I always assumed the Paypal credit option on the list was just for advertisement purposes. In 2015 it should be impossible to unknowingly sign up for a credit card. I feel like Paypal is very deceitful and not using ethical business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company 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 2022-06-03
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While Im the XXXX  my medical insurance was given to the hospital. The XXXX doctor or that doctors staff never got the health insurance information from me or the hospital. I did not know of this debt until a year later when checking my credit. I have tried multiple time to resolve the debt. I have had my health insurance company on the phone with the debt collector trying to submit my health insurance to get it resolved. The debt collector made it impossible for the the debt to be paid. 
After how many phone calls and running around to get this resolved with the collector and my insurance company l. For the negligence of the doctor and staff. I was never billed and found out a year or so later that I accrued a debt. I am a XXXX XXXX XXXX. I have better things to do with my time than run around and collect documents because of the negligence of a doctor and staff. 
My insurance info should of be passed on to them or got it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Example 1 : XX/XX/2020 : emptied safe deposit box. Was told both keys ( 2 ) were needed to close the rental to the box and I only had one with me. 
XXXX XXXX, 2020 : submitted the 2 keys and was told by branch manager she would email me the confirmation the box was closed. 
XXXX, 2020 : emailed branch manager to follow up. No response XXXX XXXX, 2020 : second email to branch manager. Her response was full of excuses, and grammatical and spelling errors telling me I was not authorized to empty the safe deposit box and they have to go thru their legal department. 

Example 2 : receiving checks for a new checking account with 5 errors in my name & address. This caused an unnecessary delay in obtaining my new checks. 

Example 3 : I requested printouts of specific bank deposits and was told they would be sent to me via email. This was confirmed a week later by a second agent when I followed up. After 2 weeks of not receiving my request, I spoke to a third agent who said fulfilling my request was not possible. 

Example 4 : When closing my fathers account due to his death, an agent told me they could not accept the legal document from NJ as the bank was in NY. This was completely incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: PLAZA HOME MORTGAGE, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage service transferred on XX/XX/XXXX from Plaza Home Mortgage XXXX XXXX # XXXX ) to XXXX XXXX Mortgage XXXX XXXX # XXXX ). 

Upon review of the transfer, I became aware that Plaza Home Mortgage had placed lender based insurance on my property and charging my escrow account {$1900.00} I provided proof of insurance to both mortgage servicing companies on XX/XX/XXXX. 

On XX/XX/XXXX, I called Plaza Home Mortgage and was told that Check # XXXX was written on XX/XX/XXXX and mailed on XX/XX/XXXX, and that I should see it deposited in my escrow within 30 days after approval. 

On XX/XX/XXXX, at the 30 day mark, the funds were not deposited. Having both companies on the phone simultaneously, I was told it should actually take 4-6 weeks after approval, and to check then. 

On XX/XX/XXXX, after the 6 week mark, the funds were not deposited. Having both companies on the phone again, I was told they will look into it and could take up to15 more days. They also stated that they would 'expedite ' the issue and should have results sooner. 

I have asked on XXXX, XX/XX/XXXX, and XX/XX/XXXX for a letter/email, but still have not received any documentation corroborating their statements. 

The mortgage transfer has now passed the 90 day window that companies are legally required to complete transfer and the escrow money is still missing. 

I have spent almost 10 hours over the last 3 months dealing with this problem with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Mortgage loan is serviced by Flagstar. When I fell behind I began working with XXXX and was also assigned a Single Point of Contact ( XXXX XXXX ) at Flagstar. I have several recordings with Flagstar trying to get in contact with my XXXX XXXX XXXX yet after numerous calls, request for a direct email, or a direct contact number I have been told that anyone in customer service could help with my loan. I had filled out Loan Modification Documents and mailed them back to the specified address yet the documents were never received. I would have Flagstar customer service then mail out new modification documents and remain them only to have the same outcome. Now I am facing foreclosure in 2 weeks and I speak with a customer service rep. that tells me I can simply upload my Modification documents thru my online loan account. I immediately go online to access my account in which I find I am LOCKED OUT OF! I call flagstar customer service and tell them the issue and have them reset my account. I upload the modification documents as well as my XXXX documents and Point of Contact with XXXX. With only 2 weeks away from foreclosure I just received a letter from Flagstar stating my NEW SINGLE POINT OF CONTACT WILL BE XXXX XXXX!!!!! With only XXXX weeks to foreclosure I am terrified I will not have enough time to finalize either my loan Modification or HomeSafe Approval.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX 2014, Chase Bank shut down my card with no warning, when I contacted them, they stated that they had reviewed account and closed it with the information they received from the credit report. I contacted them several times and they said, I need to contact the credit bureaus. Now Its been a year, since. I earned XXXX reward points with chase saphire card. I do not have to access to that, I believe it is unfair bussineess practice this happen. I never had a late payement, check returned or went over the limit. I earned those points, and for them to just take it away, is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: GA
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:
In my complaint ID # XXXX for Experian on XX/XX/2022 I received my dispute results via email from this company. One in particular account for XXXX XXXX I disputed the Information they were reporting is incorrect. Experian sent me a email showing their Information was validated and in fact correct.This is just one account of MANY MORE their NOT verifiying. Experian is not in compliance with the CFPB ands CLEARLY HAS VIOLATED MY RIGHTS. This has caused me a financial burden, denial of credit and mental stress. In accordance with the Fair Credit Reporting Act XXXX account # XXXXand others mentioned compliant ID XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish account without any written instructions

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 2016-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There are addresses dates and phone numbers on file are not mine I have a rental agreement from 2009 till present that shows that I did not live in these places those years

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 2021-01-01
Company: Bread Financial Holdings, Inc.
State: ND
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
COMENITYCAPITAL/XXXX Account XXXX XX/XX/XXXX-showing 30 days late This credit card has been an absolute headache since I first applied. First, the person at the register that helped me get the account, entered my information ( mailing ) wrong. My card was delayed in coming, and my statement never arrived. Without an accurate account number, I could not sign up for online payment options until several months AFTER the card was issued. 
XXXX had to reverse late fees due to error on THEIR part. I called customer service, which took nearly an hour to get through to someone. Now fast forward to summer 2020, when I finally used the card again, they failed to send me a bill. When the bill finally came, I had a late fee!! I have worked very hard on having positive credit over the past several years, and this is the only late item on my credit report. Why would I neglect such a minimal bill on purpose? And why was this reported on my credit report? This has caused my score to drop. Please help resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: Resurgent Capital Services L.P.
State: FL
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:
According to the Fcra once an account are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. 

LVNV Funding LLC # xxxxxxxxxxxx XXXX has a past due amount listed on the account with all 3 credit bureaus which is incorrect reporting please see proof of inaccuracies in the photos I have included They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX XXXX XXXX, I took out a online payday loan with XXXX XXXX, XXXX for {$1000.00}. I began repayment on XXXX XXXX, XXXX. Over the course of XXXX months, I made payments to XXXX, XXXX in the amount of {$2700.00} - all from my bank account in XXXX, which I retained despite moving to XXXX. As of XXXX XXXX, XXXX, XXXX, XXXX is reporting this account as " Charged off as bad debt|Purchased by another lender '' and it is listed and " Derogatory '' and a " Collection / Charge-Off '' on my Transunion report . XXXX XXXX, XXXX is not legally permitted to conduct business in XXXX or XXXX, because they do not follow the state lending laws for payday loans.

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 2016-10-31
Company: ALLY FINANCIAL INC.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I would like for the Department to look into the payment of my auto loan with Ally Bank. Since the inception of the loan, I have paid little more than what is due monthly XXXX - XXXX % of the time. The extra monthly payment made was to be applied to additional principal, but I have not seen this clearly computed. I have not missed one payment for the duration of the loan. I have spoken to their Customer Service Representatives several times but no satisfactorily answer has resulted. I have asked completely payment history of the loan many times but that has not been provided. However, the partial payment history proved on line will support my complaint. 
The account number in question is XXXX Thank you for your intervention. 
XXXX XXXX and XXXX XXXX Here is our contact information : Mailing address XXXX XXXX XXXX, XXXX XXXX, CT XXXX Cell phone : XXXX XXXX Email : XXXXXXXXXXXX

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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, I used to have XXXX XXXX XXXX credit card since XXXX and have been using this card until XXXX XXXX. Since the card was expired, they sent new card to my address and it was never opened or activated this card to do any transactions. Currently I 'm Living in abroad ( XXXX ) since XXXX XXXX until to date. As I 'm planning to visit US again, I tried to activate this card online, surprisingly I noticed that the card was charged with some transaction in XXXX XXXX & XXXX, XXXX in XXXX area and it was past due until to date and reported to credit agencies. My questions is how a card can be charged without activation and that too I 'm not living in that area during transactions made. I tried contacting Merchant to resolve this issue but I 'm not getting proper response. I believe these transactions are fraudulent or transactions have been made erroneously by merchant. Hence, I would like you to conduct an enquiry on this issue and resolve this issue as soon as possible as my credit history has been affected. I 'm attaching statement showing fraudulent transactions for your reference. Please let me know if you need any further information from my end to resolve this issue. 

Regards

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 2016-08-11
Company: Delbert Services
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This company ( XXXX XXXX ) called me and left a message stating they are sending me legal documents and that I must be present with indentication to sign them and to call. XXXX. When I call that phone number and gave them case number XXXX they stated I owed Western sky {$9000.00} and that they were calling to collect. I stated to them that I had contacted the attorney generals office almost more than a year ago and per the Indiana attorney generals office they were legally not allowed to be collecting any monies from me as they were not licensed in Indiana. On top of that Western Sky has already collected more than the loan balance and technically they owed me everything that was collected from my as they were never licensed.

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