BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent online information service a 2nd request with the alleged tradeline from XXXX XXXX, i am asking for This letter is being sent to you in response to my last notice on XX/XX/2021. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX  or XXXX  ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Aspire Loan Servicing company has taken over the payment process for Iowa Student Loan. My private loans hold a grace period, this was established with Iowa Student Loan early on in my loans. I have spent countless hours with Iowa Student Loan reviewing options, understanding payments and understanding the loans process. I am aware of what I can and can not do and how my decisions will impact my loans and/or my credit. I have also flexed my payments based upon when paychecks are provided ( as do most consumers ). This was NEVER an issue until Aspire got involved. Aspire contacts me, by phone, if my loan is even 5 days past due. They call me from an unknown number ( which I believe is very underhanded ) and the representative attempts to force a payment over the phone. I previously explain to these representatives that payments are scheduled and I do not wish to make one at this time. They continue to push for payment telling me that since my loan is past due it may be reported to the credit reporting agency and I should make a payment today to avoid this. I again state payments are already scheduled for the upcoming payday week. I have NEVER been more than 10-12 days ( Iowa Student Loan explained 15 or more days is where there could be some additional issues with fees and reporting to credit bureaus ) late with my loans in over 10 years, they always receive payment EVERY MONTH. It is a constant battle and I feel harassed and exhausted every time I deal with them. Yesterday, however, they crossed a line and I feel action needs to be taken. The representative that called my phone from an unknown number AGAIN, identified herself as calling from Aspire Student Loan Services, explained the call could be monitored or recorded ( all the standard ) and then she proceeded to tell me that she needed to inform me that she was " DEBT COLLECTOR. '' This is insane, intimidating and misleading language. My bill was six days past due with a scheduled payment ( visible on their website ) for THIS Friday. She is not a debt collector and I do not appreciate being called in the middle of a work day from an unknown number with someone referencing DEBT collection as if I am months past due, or that I must pay immediately because I am in some sort of trouble. This company is getting FAR too pushy. I know that I am not the only customer that has issues with their aggressive actions for loans that have ALWAYS been paid. A letter after six days -- MAYBE, a phone call referring to a DEBT COLLECTOR is UNACCEPTABLE. Even mortgage companies do not harass you in this manner and they hold loans MUCH larger in capacity than this company, and allow the 15 days grace. I feel harassed and mistreated as a customer that pays EVERY month. I understand reminders, I understand follow-ups to make sure, but 6 days is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: CO
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:
I have on three separate occasions asked XXXX, Equifax and XXXX  verify some information that is reporting on my Credit bureau in regards to a XXXX  account on my bureau. Each time they all said it was verified and when I asked for an investigation I received no response. I have since contacted the original Creditor XXXX  and everything reporting in my bureaus is completely different than what the creditor sent me. I intend to sue if the information on my bureau is not updated or completely deleted from my bureau. You did not investigate this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX my citi bank debit card was locked due to suspicion of fraud because i was spending more than normal when I attempted to call citi bank and unlock my card they would not do so saying i had to go to a branch and provide documents to prove my identity I obliged and went to the branch with my ID and birth certificate and also my medical card the branch told me to allow 24 hours and my card would b unlocked ... that never happened i called back to b told my account is being closed and any funds would b mailed to me in a check 60 business later after the 60 business days nothing came in the mail so i called citi bank again this time I was told my remaining balance was sent back to Illinois unemployment so i then called Illinois unemployment they confidently told me they have never received anything from citi bank so i called again this time theyre telling me its coming in a check wait 60 more business days i tried to speak with supervisor but every single one has hung up in my face every single time my remaining balance was {$12000.00}

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 2015-07-18
Company: Paypal Holdings, Inc
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal limited my account with no choice of appeal or fair hearing. Operating in restraint of consumer rights. It was so bad that it destroyed my means of safety, security, and income online. They left me vulnurable to online predators and thieves. I hope you can address the issue quickly and have this dealt with. Im an ID victim and they just dont seem to care at all. The monopolize the market with competent secure media for financial transactions and chose to dictate the terms in the marketplace. Again operating in restraint of trade. I want my account reinstated without hesitation and equal access as a consumer to their product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
I required the services of a software company in XXXX that creates mobile apps. I required the company to create a mobile app for XXXX and XXXX. I made XXXX Paypal payments in XX/XX/2016 and XX/XX/2016 for a total of {$3500.00}. The software company in XXXX has not been able to deliver my app. I requested a refund from Paypal and they stated that the XXXX payments did not qualify for a refund. Paypal stated that they were willing to refund the XXXX payment if I returned the merchandise that I purchased from the seller. I never purchased merchandise. I purchased a service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
not mine : FCRA violations : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name 1 late payment {$430.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card Usage : 86 % Balance on XX/XX/XXXX Credit Limit {$430.00} {$500.00} Account Info Reference Number XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Chapter XXXX bankruptcy dismissed Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX XXXX XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Although I am aware that they are not a bank, Paypal has frozen my account and are saying that they are holding my funds for 180 days do to a high risk of fraud. I have filed complaints with the XXXX and the XXXX for a civil liberties violation as well. Paypal should not be allowed to play with people 's money this way. All of my customers are completely happy and I have had zero complaints. They are claiming to hold my money because they need to protect themselves from chargebacks or disputes but again, I have documentation that all of my customers are completely happy with their purchases. Paypal may not be a bank but they operate as XXXX yet use the " we are not a bank '' excuse to hold practices that are not only unfair but may also be illegal. Paypal needs to be investigated for its lies and deception to its consumers. They are holding over {$1600.00} in this account that is money I earned and should be able to withdraw. Unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: Account Management Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
this was paid either by XXXX or my medical.

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
Consumer complaint received 2015-09-15
Company: Crosstown Law, LLC
State: CA
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:
On XXXX XXXX, 2015 I wrote a letter to XXXX XXXX XXXX XXXX XXXX requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from Crosstown Law informing me that they now represent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Paypal Holdings, Inc
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a sale through Ebay, the customer paid via Paypal and I did not receive said payment for over 36 hours. I had to go ahead and ship the item due to Ebay 's policies so I could keep my high ranking. I was not notified by Paypal of any issues and had to aggressively pursue contacting them where I received less than adequate support and NO follow up. This was not an isolated incident, many accounts were affected, some had bank accounts hit a negative balance because of this. Paypal did not compensate us in any way ( a waiving of fees for the transaction, like Ebay has done in the past would be a step in the right direction ) nor have they apologized. A big company should not be allowed to hold people 's money hostage with no recourse available. Very unhappy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08
Company: Convergent Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a notification from my credit monitoring service that Convergent Outsourcing flagged my file as collections. I never received anything in the mail from the company. I didnt receive any notification from this company. I only was notified of this debt because of my credit monitoring service. On XX/XX/XXXX I mailed a dispute/validation request to this company via certified mail with a return receipt ( certified mail # XXXX XXXX. On XX/XX/XXXX the company once again flagged my credit file as collections. On XX/XX/XXXX, the company received my validation/dispute request ( proved by my certified mail receipt, and a XXXX XXXX signed the return receipt ). It is now XX/XX/XXXX, and the company has once again flagged my credit file as collections. I have not received anything per my validation/dispute request. This company is reporting an erroneous debt on my credit file and should be investigated. I have no relationship with them or their client, if any.

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 2017-01-29
Company: KEYCORP
State: MI
Product: Credit card
Issue: Late fee

Complaint:
Two recent payments made to my KeyBank Latitude MasterCard account ending in XXXX from XXXX BillPay service were classified by Key as late, despite XXXX 's confirmation that the payments arrived before the due date. KeyBank charged late fees in the amount of {$27.00} and {$37.00} as a result. 

The first payment was in the amount of {$62.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

The second payment was in the amount of {$89.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

In both cases, the 11 day delay imposed by KeyBank on crediting the payments resulted in the payments being considered late for their respective billing periods. 

XXXX confirms that the address the payments are being sent to is : XXXX, OH XXXX This address is identical to the the address I was instructed to use in KeyBank 's letter to me dated XX/XX/2016, following a similar issue involving late-to-post payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
Company: U.S. BANCORP
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I was receiving unemployment benefits via US Bank XXXX. On XXXX XXXX, I noticed a fraudulent charge of {$280.00} from a place I 'd never used. I reported it that day and was told that I would receive a form to fill out. 10 days later, I called because I had n't received the form. They sent another, which I received and sent back to them right away. On XXXX XXXX, I called to check the status of my funds being returned and XXXX at XXXX said they had n't received my form. I asked her how can I mail it so that I have a receipt next time and she said I could not. I spoke to her supervisor, XXXX XXXX, who told me the same thing. So, in effect, they can keep telling me that they never received my form and keep my money. Obviously I need my money as I am unemployed. I 'd like some help getting my funds reinstated.

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 2015-07-11
Company: TCF NATIONAL BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a bank account with TCF bank in XXXX. When trying to use may attached visa card it is declined because they think my purchase has high fraud activity. I was trying to make reservation for a hotel and then trying to by video games from XXXX different days. I have PLENTY of money in the account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I HAVE NEVER DONE BUSINESS WITH THEM NOR HAVE I SIGNED A HIPAA RELEASE OF INFORMATION FOR THEM TO OBTAIN MY MEDICAL INFORMATION. MY HIPAA RIGHTS HAVE BEEN VIOLATED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Sequium Asset Solutions, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I was notified via XXXX that a collections charge dating back to XX/XX/XXXX of {$260.00} from XXXX XXXX was added to my credit report. They advised the debt was associated with my name and SSN ; however, had a " service address '' in XXXX XXXX, MI. I have never lived in, visited or know anyone who lives in the state of Michigan. I contacted XXXX and they advised they have no history with my name, SSN or actual physical address in XXXX XXXX, IA, which is where I have lived my entire life. I then contacted XXXX directly and was advised I needed to file on FTC.gov and contact both XXXX ( which I had already done ) and the collection agency, Sequium Asset Solutions , LLC, who advised they would indicate the charge was identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: KEYCORP
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My hours were reduced at work last year, so I requested a graduated loan repayment option. My job was recently terminated, so I could not afford the graduated payment amounts. The loan holder insists they can not provide me with any other options to reduce my monthly payments, as private loans do n't qualify for the IBR program ( as do federal loans ) ; and they ca n't purchase student loans, so they ca n't refinance or consolidate the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
-Citibank offered an on line promotion for a {$700.00} bonus with a minimum deposit balance of {$50000.00} ( between checking and savings accounts ) maintained for sixty ( 60 ) consecutive calendar days. The offer period was XX/XX/XXXX - XX/XX/XXXX. 

-I opened two accounts and received confirmation from Citi XXXX XX/XX/XXXX that my accounts were opened. The {$50000.00} I transferred to fund these accounts was reflected in Citi 's XXXX monthly statement. 

-After inquiring on XX/XX/XXXX why the {$700.00} bonus was not posted I received the attached letter dated XX/XX/XXXX noting this offer was only addressed to specific individuals. I was confused as this offer was available to the general public. 

-I documented this in the attached letter to Citi dated XX/XX/XXXX. I included the names of two employees whom I communicated with via Citi 's help chat. Both individuals confirmed the {$700.00} would be posted to my account ( but provided different posting dates XXXX. To date I have not received a reply from Citi. 

-I appreciate your assistance resolving this matter.

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 2016-12-17
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have refinanced my mortgage and had a closing on XXXX/XXXX/XXXX. My old mortgage was serviced by roundpoint mortgage servicing corp.I had a escrow account with a approximant balance of {$8000.00}. The mortgage was funded on XXXX/XXXX/XXXX .The Property taxes were due in XXXX so the new mortgage company made me pay the property taxes at closing in the amount of {$5900.00}. I contacted Roundpoint and asked them when they would be sending me my escrow money and they said they would be sending me a check for {$2000.00} that was remaining in my account in a few weeks. That was on XXXX/XXXX/XXXX. I asked them about the other {$5900.00} and they said that they paid the taxes with that money. I told them that I already paid the taxes at closing and have called the XXXX county tax office to verify and was told that the only money that they received was from my closing. I have made several attempts to resolve this but I keep getting lied to by roundpoint. They told my on XXXX/XXXX/XXXX that a check was mailed to me on XXXX/XXXX/XXXX for {$2000.00}. I called again today XXXX/XXXX/XXXX and now they say that it was only processed on XXXX and it was mailed on XXXX/XXXX/XXXX. They also said that they do n't know were the rest of my money is and they are investigating it and should have an answer for me by XXXX/XXXX/XXXX. That is {$5900.00}, I told them that if I took that long to make my mortgage payment I would be in foreclosure. I still have not received any money from roundpoint.

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