BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-14
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collector filed delinquency collection after only 30 days after alleged fall-behind date. I was out of state and did not receive notice. Further, they reported a delinquency and collection after only 30 alleged days instead of 180, an egregious disregard for reporting procedure. 

There is a medical collection with an original statement date of XX/XX/XXXX, therefore I can not fall behind until XX/XX/2016. From XX/XX/2016 I have 180 days to pay debt before it is reported on credit. A delinquency was submitted XX/XX/2016 and appeared on my credit on XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: ERC
State: FL
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:
Enhanced recovery company LLC sent me a mail regarding a debt that I owe from XXXX. I mailed a letter back ( USPS confirmation delivery : XXXX. ) Requesting information about their business, a copy of the last bill, their license, etc. They have not responded back to me. They have reported this debt to the credit bureaus. Nobody is giving me information yet they are expecting me to pay without being informed or them identifying themselves. For all that I know it can be a scam! I am still a XXXX customer and I still have the same phone number. It is astonishing that enhanced recovery company was able to reach me at the same address yet t mobile was n't even able to reach me or call me to explain the situation. XXXX effort to contact me was none at all. How am I suppose to pay a bill if I do not see the bill? 
Note : I have already phone in to make a claim. Please attach this to existing claim. case # XXXX and # XXXX. 
Note : Please see attached supporting document. It is dated!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: ERC
State: NY
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:
I found out from a free credit report XXXX XXXX XXXX XXXX that a collection agency called Enhanced Recovery Company erroneously reported a debt of US {$350.00} that I 'owed ' to XXXX. This immediately caught my attention because I have never had a XXXX account. I called XXXX and reported that this was an error, to which they replied that they will investigate. I also called XXXX and gave them my social security number, and XXXX verified on the phone that they do not have any record of anyone with my social security number opening an account with them. I had informed XXXX of this as well, but later found out that XXXX 'investigated ' this issue and confirmed the 'debt '. 

I then contacted the collection agency, and the customer representative gave me the last XXXX digits of the social security number of the person who actually owed XXXX, and this was not my social security number. I was then informed by the customer representative that I will have to send a letter explaining the situation, and a copy of my ID and social security card to the collection agency for verification. 

I truly can not understand how a debt can be so easily reported to the credit report bureaus without verifying someone 's social security number, and the credit reporting companies just post that erroneous report which negatively influences my credit score. Now, I have to send my very personal ID and social security information to a credit collection agency that I do not trust.

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 2016-07-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX 2016 I have had trouble with posting payments to my account. I have made all payments within payment time and they have not posted when made I have never been late on any payments. I followed all Citizens procedures and contacted Citizens Bank the last 5 months at least 70+ times on a recorded line. I also was told not to make payments and still made all on time, They said their software was not capable to handle my Home equity mortgage payment. we were reported to credit bureau which caused our credit score to drop from XXXX,XXXX,XXXX, to XXXX to XXXX They have agreed to fix this for me because of their mistake but I have heard this for the last 4 months We want our Credit Scores fixed with XXXX credit bureau asap, I have had credit scores around XXXX my whole life and have never been late on anything. Please help us with this issue Thank you very much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Flagstar Bank, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
my morgage company did not pay my taxes from 2020, and it now has accured penalty and interest there is money in my escrow account to pay the taxes and they did not pay my morgage is with flagstar bank the amount owed originally was XXXX now it is XXXX i dont feel i should be responsable for the penalty and interest

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 2021-06-15
Company: Commonwealth Financial Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Insurance company paid medical bill for emergency room visit on XX/XX/XXXX. 
This verified with blue cross/shield in XXXX. 

Commonwealth financial system is requesting payment for the same medical bill paid by blue cross/shield in XXXX, now in XX/XX/XXXX. 

Requesting payment for a bill already paid 7 years ago is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I received a notice from PayPalXXXX  on XX/XX/2021 that my personal PayPal account in now Permanently ban limited and that I can not use the account to receive payments or do any type of money transfers. The Permanent Ban Limitation provides no explanation of why the account is now banned or why I can no longer do business on PayPal. There is a XXXX day limitation placed on the funds in the PayPal account. On the PayPal website there is no way to try to resolve the issue of having the Permanent Ban Limitation lifted and have the account reinstated. 
I have not violated any of PayPal policy agreements, I do not have any prior disputes, strikes, and limitations on my PayPal account. I would like a resolution of my PayPal account reinstated lifting the permanent ban limitation so there are no restrictions on my PayPal account. As well as an explanation for why the PayPal account was flagged for permanent ban limitation and what I would need to fix the issue to have my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Reported : XX/XX/2019 was transferred to XXXX Reported : XX/XX/2019 which was paid off and closed on XX/XX/2019 but it does not reflect that on my credit report.

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 2015-10-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citizens Bank continues to charge overdraft fees to my account and yet their balance does not reflect my being in the negative on my account ... I am aware that I have overdrafts before and i have paid those up ... but it seems now every time I make a deposit now I am getting charged these fees like they have somehow flagged my account as " get this XXXX '' ... .when you speak to them they give some Mumbo jumbo about how the bank statement does not reflect the deposits and negative balance always ... .so wait you mean to tell me they as a bank ca n't even keep track properly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-25
Company: Experian Information Solutions Inc.
State: FL
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:
I received a copy of my credit report and noticed fraudulent accounts. this issue is stopping me from obtaining credit.

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 2015-04-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with XXXX since XX/XX/XXXX to fined a workable solution for a balloon Heloc that has no repayment terms other than the Balloon payment XXXX has refused to work with me. In XX/XX/XXXX I filed a complaint to CFPB about this loan in the XXXX response XXXX stated they will review my situation in 60 days they did not. They STILL have offered zero solution other than for me to pay them XXXX immediately. In addition they do not have not a a single point of contact with me this is a violation of the CFBP settlement. For example of the last XXXX single point apoitment I have had with them my rep was only there for 1. I have had different reps call me most of whom I can not understand because of poor English skills, in addition they have made very many edited notes to my account so the substitute point of contact in unable to help me. Also-they have told me they can not help me only the investor can as they are not the bank yet the investor ( Citizens Financial ) stated that it is up to XXXX as they are the servicer and it would be '' unfair '' to their other customers to help me- in addition I have left XXXX different messages with the Ombudsman at XXXX who answered my original complaint with CFPB, she will not return my calls even though she has stated for me to call her with any questions. I need some type of solution XXXX last week told me to apply for another modification however both my self and with the help of a hud loan counsler I have applied 3 times to XXXX to be turned down I told XXXX nothing has changed so they said I will be turned down but I should apply anyway, I do not understand why they would want me to apply if im going to be turned down, its very apparent that this is a pre scripted response delivered by incompetent call reps. Obviously from the many similar complaints about XXXX to the CFBP this is pattern of unethical behavior. I want a solution Immediately XXXX agreed to help home owners in the settlement with my CFBP I demand that they comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: PNC Bank N.A.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry initiated XXXX PNC BANK on XXXX XXXX. I did not authorize employees of PNC BANK to review my credit report at any time. This action is in clear violation of my FRCA and Privacy Rights. I have requested that PNC BANK provide me with any documentation to validate this inquiry within 5 business days and they have failed to do so. I am requesting that PNC BANK contact XXXX and/or All credit reporting Agencies to permanently delete this adverse information from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Describe what happened so we can understand the issue ... 
I XXXX XXXX have been fighting with my mortgage company CCO Mortgage loan # XXXX help me with a loan modification for over a year. CCO Mortgage has kept asking over and over again for the same documents that I have kept faxing them. The last request from them to complete a file was a quick claim deed that I had to struggle to get from my ex husband that I had to hire an attorney to help me get that last requirement. I was finally able to get a quick claim deed which I faxed over on XXXX XXXX 2015. I called back a week later and CCO Mortgage like always claim they have never received it so I refaxed it XXXX more times on XXXX XXXX 2015 and XXXX XXXX 2015 and XXXX XXXX 2015. CCO Mortgage Finally said that they have received the package and Per XXXX @ CCO Mortgage said the file was complete and going into underwriting to see what options are available to help me keep the home I love and adore. I called today to get an update and they advised me that the file was kicked out of review because of some 37 day rule I have never heard of. I did everything they asked have sent every possible form to them you can imagine and this is the treatment that I receive from CCO Mortgage its completely unfair and I deserve the right to keep my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: TRANSWORLD SYSTEMS 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 was paid

Complaint:
TRANSWORLD SYSTEMS, Debt collector continues to call multiple times daily, 3 weeks after debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On my Chase sapphire XXXX card dated XX/XX/2020 I received a bill ( among other fraudulent charges XXXX for {$110.00} from XXXX XXXX XXXX XXXX. I phoned Chase and they credited the amount back to me. Before contacting Chase I called XXXX XXXX XXXX XXXX and they had no record of the purchase. Obviously the card was cancelled and another one issued. I have yet to use the new card. Yet, I noticed the amount recharged on the new card during the most recent bill. I have written to Chase and filed with XXXX to no avail. 

As of today XXXX XXXX XXXX ) someone from Chase purporting to be from the XXXX office ( XXXX ) and named either XXXX or XXXX XXXX voice was muffled, and no call back number or last name was given ), called and said she was going to call me back, I have heard nothing since that call on XX/XX/XXXX, XXXX 

I am not willing to pay this amount ; nor will I pay interest or penalties on something I never purchased. 

I have also asked Chase to describe how they protect my information and that query has yet to be addressed. If I am ever to use that card I will need the answer to that question as well. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Net spend bank PayPal prepaid closed my account s for I dont know what reason and I had a large amount of money I. My account ya and it has been go one to me via check upon the closure of my account however now when Im trying trash the check they do not authorize its anywhere and this is my money I have the right to it regardless the amount

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 2021-04-25
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contracted with XXXX XXXX lawn care for the summer of XXXX. This company constantly call stating that the only way one service can work I had to purchase another service in which I did. One day I was home and noticed that the weed guy wasnt spraying anything and that was probably which I still had weeds. The contract was finished, I paid my balance and then two month later received a collection notification from XXXX XXXX XXXX. I have been sending proof of payment to this company for XXXX months now and every month they ignore me and send me out a new collection notice last one dated XX/XX/1021. I have called this company, emailed my proof, called again and still nothing. I will XX/XX/XXXX if this is illegally reported to my credit report and I paid the balance. It seems that once I didnt want to continue receiving service from XXXX lawn care they sent my account to collections when I had XXXX balance. This collection agency know they should be verifying the accuracy of an account before aggressively pursuing customers. This is fraud that I want reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Credit card
Issue: Delinquent account

Complaint:
HSBC Bank is reporting XXXX separate delinquent accounts on my credit report, as well as a collection account for XXXX of the same accounts. The delinquency is more than 7 years old. I have requested that these accounts be removed, but they continue to remain on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HSBC has failed to provide an IRS Form XXXX to me for 2014. I can not file my taxes without it and the IRS has contacted me about being late. I have contacted HSBC numerous times without successful outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been calling from this number XXXX and more times a day not leaving messages. I do not owe anything to this debt collection company and I have told them that if they call this number again I will report as a harassing phone call. They continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
dont owe this debt this scam the insurance cancelled my paid in full policy and now they weant to collect on somehting they cancelled and refunded me this is scam i dispute this debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I 've had an American Express XXXX XXXX for years. In XXXX 2016 I applied for, and on XXXX XXXX received an email that I was accepted for, an American Express Premier Rewards Gold Card. I received a letter in the mail confirming such a few days later. The card was supposed to have been sent then. 
After waiting a couple weeks for the new Gold Card, I contacted American Express through their online chat ; the rep said I would receive it in a few days but I did n't. Twice more when the card did n't arrive I chatted with a representative, each of whom said I would receive it in a day or two. However, the only thing they did was cancel my OLD ( XXXX ) card, which I did n't ask them to do. This was a big inconvenience, as in cancelling the old card, they also changed the number. And, I never received my new, gold card. 
Today I chatted online yet again with an American Express representative, 'XXXX ', who did not seem to understand XXXX well. Or perhaps she was just a poor reader. She said ( wrote ) that I had phoned to cancel my old ( blue ) card, which I had not. ( She told me to call a number to report the fraud, but I told her to do it as I 'm tired of dealing with incompetent American Express representatives ). She did n't seem to understand or know anything about my new gold card which was supposed to have been mailed to me a month ago. So I asked her to transfer me to her supervisor, which she did ( XXXX ). 
XXXX at least seemed to understand XXXX, and said that my new ( gold ) card had been mailed to me XXXX XXXX. Although two previous representatives with whom I 'd spoken had given me other ( earlier ) dates that the card was supposed to get to me, so I do n't trust that it was mailed XXXX XXXX either. He told me to phone a number to see where the card was. However, I had no desire to waste my time dealing with yet more incompetent American Express representatives, so I asked him to phone them, but he said he could n't. Nor was he able to email me or send me a message through the web site about his communication with them. 
Finally I told him to cancel both my old blue card and my ( non-existent, never arrived ) gold card. 
It is absolutely pathetic that American Express is incapable of dealing with such a simple process as sending out a new card.

Company response to consumer: Closed with explanation