BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-12
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My PayPal debit card was skimmed or hacked when I used a XXXX ATM on XX/XX/2016 and on XX/XX/2016 XXXX transactions were made a minute apart withdrawing {$300.00} and {$100.00} from my PayPal account. I discovered the fraud on XX/XX/2016 informing PayPal immediately. I filed a claim with PayPal and file a police report. PayPal has subsequently denied the claim stating that my PIN number was used in the XXXX transactions and citing other irrelevant information stating that because I checked my balance prior to the reported fraud and that because I had used that ATM one time before that they would be denying the claim. They did n't even wait to obtain the police report or try to contact XXXX to see if there were other similar claims at that location. I called XXXX to report the claim and they refused to accept the claim because they said I did n't have an account with them. They suggested I file a claim with XXXX which is the bank listed on the back of my PayPal debit card. I called The XXXX and they refused to file a claim and said they would side with PayPal anyway. I just do n't know what else to do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions 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  Account XXXX  XXXX # XXXX, Account XXXX  XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, PossibleXXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX  XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX-XXXXXXXXXXXXXXXX XXXX  XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 2015-07-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hello, I was a victim of identity theft. I obtained a legislative security freeze. 
I obtained a XXXX from Equifax. 
With this PIN, I 'm supposed to be able to manage my security freeze and lift the freeze on demand. 
However, Equifax 's website does not allow me to manage my security freeze online. Even after I enter the proper, DOB, SSN, address, etc., I am never able to manage the security freeze online. 
I 'm very angry and frustrated. 
Equifax 's telephone support is non-existent. 
I did write to Equifax. 
Instead of addressing the issue, Equifax permanently unfroze the file without my permission. 
So, basically, Equifax wo n't allow me to manage my security freeze online, despite the fact that I have a valid ID theft PIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: First Data Corporation
State: OH
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
I visited XXXX # XXXX on XXXX/XXXX/15 I wrote a check lost my check a day later froze my bank account with XXXX and a few days after things had cleared I closed the bank account XXXX took my money I had earned using their reward program so I inquired why my {$29.00} had dissappeared I w as told it was for a check returned to contact a certain person I called left several messages no one responded so I was forced to file a XXXX complaint now working with someone in corporate that is taking care of the issue not even a couple of weeks later my checks are being returned from my new account I get a notice from TRS Recovery that Telecheck had blocked me from using my checks if I ever wanted to use a check again to pay {$48.00} that was for a {$23.00} check with a {$25.00} returned unprocessed check I tried to get TRS & Telecheck to remove the negative stuff from my credit while I work with XXXX but they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: GA
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Harvard Collections, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A collection agency has now reported a debt that was over 20 years old and had been included in a bankruptcy. The reported item has been disputed. Item has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Its been over 6 months and per tracking ( investigations have been received ) I started my investigation on XX/XX/XXXXI contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/ and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2015-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to 60 days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX XXXX and XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters from XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars ), they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with XXXX had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. XXXX who is now working with XXXX XXXX both are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( Equi-fax, XXXX and XXXX ). I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX XXXX not included.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please resolve this issue ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We represent XXXX XXXX XXXX regarding a foreclosure. While we represent XXXX XXXX in his foreclosure, he has been attempting to modify his loan and has had a complete package submitted with the lender for over a year. The lender has come up with every excuse not to properly review XXXX XXXX and has now refused to even ask the Court to continue a trial, in which the Plaintiff is seeking to obtain a judgment against XXXX XXXX in complete and utter disregard for 12 CFR 1024.41 ( g ) ( " a servicer shall not move for foreclosure judgment '' ). Recently, notwithstanding a review which has been going on for over 18 months, with updated documents being sent every time they are requested, SPS requested a XXXX to be submitted. This is one of the first documents required, so their requesting this document over a year into the review is a bit shocking. Nonetheless, on XXXX XXXX, 2016 the document was faxed to SPS. 
SPS has completely disregarded the requirements that the CFPB specifically enacted to deter behavior such as the behavior of SPS regarding this modification " non '' -review. 
Below is a brief background over the last few months ... 
1. After being in review for a modification for over 18 months, on or about XXXX XXXX, 2016, SPS requested a copy of the Defendants ' profit and loss statements, and the documents were sent within ten days of the request. 
2. On XXXX XXXX, 2016, SPS acknowledged receipt of a complete application to review the Defendants. 
3. Notwithstanding SPS acknowledging a complete package eleven days prior, on XXXX XXXX, 2016, a new request for information was sent by SPS. 
4. As XXXX has done for over eighteen ( 18 ) months, the Defendants immediately complied with the request and the responsive documents were immediately sent to SPS. 
4. On XXXX XXXX, 2016, Plaintiff 's counsel advised that a checkbox on the XXXX was incorrect. While this is one of the first documents SPS should have reviewed several months ago, they shockingly requested this document be corrected less than 35 days after acknowledging a complete package. 
5. Nonetheless, as the Defendants have done for several months, upon receipt of this newly requested information, Defendants submitted the information to SPS. 
6. Additionally, on XXXX XXXX, 2016, SPS confirmed a complete package.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Acima is stating that on XX/XX/XXXX is when I agreed to electronically entered into the rental agreement but in the copy of the lease agreement it states that it began XX/XX/XXXX, but on my credit report its stating that this account was opened on XX/XX/XXXX these dates are all inaccurate and I request for this account to be removed from my credit report due to inaccuracy because I have the right to dispute any inaccuracies in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My father passed away on XX/XX/XXXX. I petitioned the court to be named as personal representative, effective XX/XX/XXXX. On XX/XX/XXXX, I called PHH Mortgage to inform them of my dad 's death. They asked that I email them the death certificate, documentation from the court and a written statement outlining our intention for the property ( we intended to sell ). They requested that we email the documentation to : XXXX. I called back one week later on XX/XX/XXXX to inquire if my documents had been received and what the payoff balance of the loan was. After waiting on hold for over 20 minutes, I was rudely told that the processing time to read emails on their end was 15 business days. When I asked to speak to a supervisor, I was told that there was no one available to speak to me. I then asked if I could receive a call when my paperwork had been received, but was told that I would have to call back, wait on hold and then inquire if my information had been received after the 15 day mark. 

I called back two more times ( after the passing of the 15 business days ) and the first time my call was dropped after holding, and then when I called back the call center was closed. The second time I was told that my information was not 'in the system '. On XX/XX/XXXX, I again emailed the documentation to two different email addresses ( XXXX ) and ( XXXX ) for a total of four separate times. I have never received an email or call back from PHH at any point. I also was not able to receive the exact pay off amount on the loan since my initial request on XX/XX/XXXX. 

On XX/XX/XXXX the title company working with me to sell my father 's home alerted me that they did not receive timely responses, including the pay off amount from PHH Mortgage. The title company reached out to me on XX/XX/XXXX and stated that closing could be delayed due to the lack of response from PHH Mortgage. The title company also stated that the experience working with PHH was among the worst of any mortgage company due to their failure to answer questions and provide information in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This is the second time having an issue with this company on improperly stating or threatening me. I once again received a call from XXXX who does n't seem to understand debt collection laws or how to do her job. She first stated she was calling to collect on the same debt I was already disputing. She stated she sent over a ledger from the school verifying the debt. I did state I received that but it still did n't make sense. XXXX college is claiming they sent money back to the government from a student loan. I called XXXX who is servicing the loan and they stated no money was returned and also send me over a ledger to show this. I explained all this to XXXX who then stated " OK if this is how you want to handle it we will take care of you '' my response was did you just threaten me? her response was '' we will be sueing you '' first of all she is threatening to sue me for something they have yet to prove is valid and also breaking the fair debt collection law my threatening me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I grieved my taxes and the mortgage company adjusted my mortgage based upon the last payment, which was adjusted to reflect my new annual amount. As a result, they under estimated significantly and raised my payment by over XXXX/month. 

I have spent more that 12 hours trying to remedy this by paying the shortfall and making my monthly payment manageable, but they lie and disconnect me. 

Additionally, they continue to call my cell phone, even after instructed to, to collect the payment after it has been made. This is a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have my mortgage with Chase. In the many years I have had my mortgage with Chase I have never paid my mortgage late until last XXXX 2015. Because of family medical issues I paid my mortgage 2 days after the grace period ended. 
I requested a " good will adjustment '' from Chase the week before last and received a letter today indicating " We ca n't update our credit reporting ... to the XXXX major r credit reporting agencies ... We 've confirmed that we 're reporting information about your account correctly. '' This particular late reporting to the credit bureaus is making it very difficult, if not impossible to get a mortgage for a different house. 
I have back up documentation to illustrate these statements. 
I am requesting your help in getting this rectified so that we can qualify for a mortgage for a different house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Texas Guaranteed
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Trellis company is reporting and trying to collect a debt that is 13 years old. This is a personal student loan issued to Colorado  XXXX College in XX/XX/2007. The XXXX is XX/XX/2007. I called Trellis to discuss the account. I also replied via email to a letter that I received from them in the mail demanding them to cease and desist on the collection and reporting of this account. Per the FCRA the statute of limitations has passed on this account. Trellis has been illegally re-aging this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have reason to believe the following mortgage agents are engaged in RESPA violations with realtor XXXX XXXX XXXX XXXX, Washington. 

XXXX XXXX XXXX XXXX XXXX  XXXX, Washington ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Washington ( XXXX ) XXXX XXXX XXXX Washington XXXX XXXX XXXX Washington XXXX XXXX ) XXXX * Phone number provided by XXXX XXXX does not match Washington Federal directory records , so can not say with 100 % certainty that this is the correct " XXXX XXXX referenced by XXXX XXXX XXXX 

XXXX XXXX has admitted that our offer made on XX/XX/2022, which matched the asking price of the property ( MLS # XXXX ), was the higher offer. It was also confirmed in a mis-sent email that the other bidder 's offer did not have a lender that was willing to finance the loan. My realtor and mortgage agent called XXXX XXXX to assure her the nature of the dwelling was not an issue for financing. Nevertheless, XXXX XXXX let my offer expire because, per the submitted email chain, we refused to use one of the three agents listed above. Subsequently, she has also refused contact with my lender including members of his executive team. 

Further, we have strong suspicions that XXXX XXXX did not present our offer to the sellers. 

Attached is the email chain from XXXX XXXX to our agent, specifically requesting we use her three agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My request for a free credit report from Trans Union was denied online. So I hope you can help me figure out what is wrong with my credit and why I can not get a free credit report since I have a right to get this.

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 2021-11-24
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX, XXXX I had credit freezes with all three Credit Reporting Agencies in place since as an XXXX year old I don't normally apply for any new credit. I was switching XXXX XXXX providers and they needed to run a credit check. 
When I tried to sign on with each XXXX XXXX they made me change my existing passwords ; then they each steered me to a website page that tried to upsell me to a higher level of constant credit monitoring. Nowhere on the page was there a box for freezing or unfreezing my account, nor was there a query search box available. 

Finally, I did an internet search and saw that XXXXXXXX XXXX had information on how to lift a freeze with credit agencies and provided links. I was able to temporarily lift the freezes with XXXX and Experion. XXXX was the worst. They couldn't identify my account using my user name or email address, gave me a phone number, where a computer asked me a dozen related, multiple choice credit usage questions. Then the computer said I would have to mail in or fax the request for a temporary unfreeze. 

Total time, over XXXX hours and still don't have the temp unfreeze from XXXX. 

By placing an upsell page XXXX on their website, I am sure many inadvertently are signed up for their more expensive services. The FREE services should be prominently shown on all their web pages and the Freezing, Unfreezing service easily found. 

Thanks

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