davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2021 Paypal limited my account the moment after I loaded {$500.00} of my own cash at a nearby XXXX XXXX store. I have provided all of the information requested of me but my account remains limited. I received an email from XXXX on XXXX XXXX, 2021, XXXX XXXX  and it stated the following : XXXX XXXX XXXX XXXX, 2021, XXXX XXXX  ( 2 days ago ) to me Dear XXXX XXXX , Thank you for your cooperation in completing the review of your account. 

You've already completed the following actions as part of our review : - We've received acceptable copies of the following documents or information : We're still unable to complete the review process of your account at this time. Please help us finish this process by completing the following steps : Provide a copy of a valid identification document, such as your driver 's license, passport, or any other government issued identification document. 

Please provide tracking information for following transaction ( s ) to confirm the buyer received your items. 

-Transaction ID : XXXX Please include the following information : * Tracking Number * Name of Shipping Company including the address of their website * PayPal Transaction ID You can input this information in the Transaction Details page of your PayPal account. 

If you can't obtain a tracking number, please provide proof that the item was shipped. A Proof of Shipping document can be obtained from the post office or company that shipped your item. You can upload this document to us in the Resolution Center. 



Please help us by completing the required steps within 10 days from the date you receive this email. If we receive no response within 10 days, you will need to contact us by phone or email so that we can manually update your case status. 

After you complete these steps, we will review your information and contact you about the status of your PayPal account within 2 business days. We may ask you to provide further information if necessary. 

Thank you for your co-operation and support. Please let us know if you need further assistance. You may contact Customer Service by clicking 'Contact Us ' at the bottom of the PayPal website. 

Sincerely, XXXX PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright XXXX PayPal. All rights reserved. 

I can not verify if this email is genuine because I am not allowed to contact PayPal in any way during this process. They referred to a transaction ID that does not exist in my account, and after they confirmed that I verified my identity, they then proceed to say that I have not provided it. What is going on??? 

I just want my money ; I will never ever ever use Paypal services again.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE FARM BANK, FSB (FL)

I submitted an identity theft dispute on three credit cards in XX/XX/2017. Two accounts were with XXXX XXXX, one was with State Farm Bank. I submitted the identity theft disputes through the CFPB. It was my father who used my personal information to open three credit cards, run them up to the maximum, they default on paying them. I had no idea that my father has done this act until it was too late. As you can see from the attached deletion pages from every credit bureau, XXXX XXXX has deleted the fraudulent accounts from every credit bureau. For that matter, I am attaching copies of every updated credit bureau, showing that XXXX XXXX and XXXX  confirmed the identity theft criteria, and XXXX  has removed the XXXX  XXXX accounts. XXXX XXXX and XXXX  confirmed the identity theft and deleted the State Farm Bank account as well. Both XXXX  and XXXX XXXX show my credit history as excellent. XXXX  is being duped by State Farm Bank as they state that the fraudulent account is valid, which is a joke. State Farm Bank is in violation of the subscriber agreement they have with XXXX  pertaining to accurate reporting. Each day that State Farm Bank carries this item on my XXXX  report is an FCRA violation as well as a FDCPA violation. This financial institution must be fined and sanctioned for these violations. This account must be deleted permanently. I will seek legal counsel to sue if State Farm Bank continues to hold my credit hostage for not validating the original procurement of a credit card that was obtained fraudulently. This reference to a charged off account must be deleted immediately!!!
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

ALL 3 bureaus are reporting differently on the this particular account which I reported as FRAUD.I HAVE NEVER HAD A STUDENT LOAN WITH US DEPT OF EDXXXX ACCT # XXXX {$16000.00} US DEPT OF EDXXXX ACCT # XXXX {$5100.00} US DEPT OF EDXXXX ACCT # XXXX {$3300.00} EXPERIAN IS REPORTING IT AS A CHARGE/OFF WITH LATE PAYMENTS XXXX  IS REPORTING IT AS ACTIVE ACCOUNT WITHOUT ANY ACTIVITY XXXX  FOUND THAT IT WAS FRAUDULENT AND DELETED THE ACCOUNT
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc (VA)

I received a bill for medical services by XXXX XXXX rendered on XX/XX/XXXX a couple of months ago. I spoke with XXXX XXXX several times to have the remaining balance after insurance paid using my HSA card. On the third attempt with XXXX XXXX they were able to process a payment using my HSA card. 

I received the most recent bill dated XX/XX/XXXX which doesn't show the HSA card payment, but shows a balance of {$110.00}. It also says " Please contact our office within 10 business days to avoid possible collection action/and or ... '' 10 business days from XX/XX/XXXX would be XX/XX/XXXX. This bill was received on XX/XX/XXXX. Last week I sent in using the remittance stub and enclosed envelope a payment of {$50.00} which as of today has not been debited from my bank account. I intend to pay the {$66.00} remaining balance when I am paid again on XX/XX/XXXX. 

Yesterday, I received a collection notice from United Consumers , Inc. dated XX/XX/XXXX which is less than the 10 business days the XXXX XXXX statement mentions possible collection action. Further it shows a balance of {$110.00} and {$12.00} dated XX/XX/XXXX from XXXX XXXX. These amounts do not align with the statement from XXXX XXXX XXXX dated just 7 days prior. Lastly, in the United Consumers , Inc. letter it shows two charges from XXXX XXXX  dated XX/XX/XXXX for {$2.00} and {$37.00} ( 48 days ago ) which I have not even received a bill by XXXX XXXX XXXX. 

XXXX College of Virginia ( XXXX ) is a division of XXXX XXXX University and was changed to XXXX XXXX several years ago to reflect it is one institution.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XXXX, I've been disputing a medical bill with XXXX from XXXX. I went through all the proper channels of contacting both companies but am not being heard. I contacted XXXX  recently via mail, phone and online for assistance with a medcial bill reflecting on my report that I advised I didn't owe. I've always had active medical insurance since XXXX ( as a freshman in college ), and I've never neglected a bill nor created one without the use of my insurance. I have documentation that insurance was available to me at the time of this medical claim, and that insurance could cover this entire bill had it been my hospital charge. 

I filed a complaint with XXXX  on not giving up " the burden of proof '' showing where this debt is VALIDATED. All I received ( see attached ) was a bill with the name on it. No signature form or any other pertinent information showing that this is indeed my debt. 

I am looking for assistance with getting this debt deleted since all debt validation attempts were not executed by the Credit Bureau XXXX  or the collection agency XXXX. 

I have attached all dispute correspondence of the past to see that proper measures were taken without proper reciprocation. 

I ask that this account is deleted from ALL bureaus starting with XXXX  due to their negligence of proper due dilligence to properly protect me as a consumer. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

Dear CFPB - please see the information below - this is NOT a duplicate - I am requesting your assistance to get OCWEN to correct erroneous CREDIT Reports and charging late fees for payments made as agreed in the RESPA. This is NOT a duplicate request. Thanks XXXX XXXX Print complaint Submitted to the CFPB on XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT FOR CFPB : I do not believe just sending this complaint to OCWEN will resolve the issue. I have not seen anything different from my trying to resolve the issue directly with OCWEN. OCWEN clearly shows they began servicing my mortgage on XX/XX/XXXX, IAW the RESPA, and their records clearly shows ALL payments made on time with the right amount of mortgage payments. OCWEN continues to report Mortgage servicing by a PREVIOUS mortgage company and bases their records on WRONG information. IAW the RESPA OCWEN began servicing my Mortgage Loan on XX/XX/XXXX, NOT XX/XX/XXXX, through today,. OCWEN 's records and mine CLEARLY shows there has never been a late payment since XX/XX/XXXX. ALL payments always made as specified by OCWEN and ALWAYS before the required due date.There has never been a late payment to OCWEN. IAW verifiable records. PLEASE CORRECT : IF OCWEN cares to report to the CREDIT Bureau 's it should be CORRECT and IAW with the RESPA. from XX/XX/XXXX NOT XXXX, through today. There should NOT be any late charges because the monthly mortgage payments are always the CORRECT amount and always paid to OCWEN on time. AGAIN, OCWEN should be reporting for the period they serviced my mortgage, XX/XX/XXXX, IAW the RESPA from XX/XX/XXXX through today. XXXX began servicing my Mortgage on XX/XX/XXXX through XX/XX/XXXX. I have records showing the mortgage payment amounts to XXXX were specifically stated by XXXX and the specified amounts were always paid to XXXX on time, NEVER Late and always the amount specifically specified by XXXX. IF XXXX reports to the credit bureau 's it should be accurate. RECORDS clearly shows the CORRECT Mortgage amounts as specified by XXXX were always paid on time. Please correct the WRONG reporting. 

View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Marked as duplicate STATUS Marked as a duplicate complaint on XX/XX/XXXX
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX opened XX/XX/2014 for XXXX $ I told them I dont know who got this credit card under my name and someone made a payment on it I guess but how could I make a payment on something iv never received a bill or letter or phone call nothing and also someone keeps applying for car loans all those hard inquiries on my credit nun of them are mine so now I cant even get approved for a secure credit card let alone any other kind Im so stressed out my car broke down so I need to get it fixed and I cant because money is tight right now. Help me please Im begging you
Consumer complaint received 2023-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (AZ)

Complaint Regarding Predatory Interest Rate and Request for Loan Cancellation Dear Consumer Financial Protection Bureau, I am writing to express my profound concern and shock regarding the predatory and egregious interest rate that a lender attempted to charge me. The terms of the loan agreement were as follows : Annual Percentage Rate ( APR ) : 690 % Finance Charge : {$870.00} Amount Financed : {$200.00} Total of Payments : {$1000.00} I find these terms to be completely unacceptable, as they demonstrate a blatant disregard for the financial well-being of consumers. Such a high interest rate is not only unethical but also exploitative. 

On XX/XX/XXXX, at approximately XXXX XXXX, the lender extended these terms to me. In response, I promptly sent them a request to cancel my loan at XXXX XXXX  on the same date. As per their agreement terms, my loan should be canceled with no penalties since it has not been funded as of the time of my cancellation request. 

I am filing this complaint with the CFPB to raise awareness of this lender 's predatory practices and to seek assistance in addressing the issue. I also request that the CFPB ensure the loan is canceled without any penalties, as specified in the lender 's agreement. It is crucial to protect other consumers from falling victim to such outrageous terms. 

I look forward to your prompt response and guidance on how to proceed in this matter. 

Concerned, Citizen~ XXXX
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MD)

This company ignored my validation of debt request, and is continuing to try to collect this debt from me. It is trying to artificially inflate the price of the alleged original debt with interest and fees, in an attempt to collect on an amount greater than what it bought it for. These are a blatant violation of the FDCPA, and this company is in violation of privacy HIPPA laws in regards to breach of security with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc. (IL)

I had an auto loan with consumer portfolio services for over a period of 1 year. in XX/XX/2017 my vehicle was stolen. My insurance company paid the car off at whicj it left a XXXX balance on the vehicle. I was told by this company that since i did not have gap coverage hat I could set up a payment plan with them until i purchased another vehicle and i could renegotiate the payment terms. I was told that! could pay {$100.00} per month to preserve my perfect payment history with them and at that time moving forward they would not put any past due or late payments on my credit reports. Well after i made my first {$100.00} payment, 30 days later I was marked with a 30 day late on my credit reports. I called and talked to several customer service reps to no avail. I was only told then that " why would I think that I could preserve a perfect payment history by only paying {$100.00} on a {$380.00} car note. I told them once more I dont even have the car it was stolen and never recovered and i just wanted to make some type of payment arrangements to pay this balance however I cant afford to pay {$380.00} and also a new car note too and I was told they couldnt help me
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I requiring to review Fraudulent accounts in credit report which I found out recently. All of these accounts were opened not by me and without my permission, without any signature. Please remove them as soon as you can because they are destroying my credit history. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (IN)

THERE IS A COMPANY/DEBT COLLECTOR, CAVALRY SPV I , LLC. THAT BOUGHT THIS OLD DEBT IN XXXXAND THEY ARE TRYING TO COLLECT. THEY ARE USING XXXX XXXX XXXX , XXXX ATTORNEYS AND COUNSELORS AT LAW TO TAKE ME TO COURT TO SUE.THIS DEBT IS FROM XXXXTHEY TOOK ME TO COURT ON XXXX XXXX TO GET MY PAYCHECK GARNISHED. I'M WONDERING WHAT THE STATUTE OF LIMITATIONS ARE ON AN OLD CREDIT CARD DEBT IN INDIANA. I ASKED THE JUDGE AND HE DIDN'T SEEM TO MUCH ABOUT THE STATUTE OF LIMITATIONS. I ASKED THE COLLECTOR WHEN THE LAST PMT. WAS MADE AND THEY ADVISED THAT DIDN'T KNOW. I ASKED THIS COLLECTOR IF THIS OLD DEBT IS TIME BARRED AND THEY SAID THEY DON'T KNOW.I ASKED THE JUDGE IF THIS DEBT IS TIME BARRED AND HE DIDN'T KNOW.THIS IS OVER 7 1/2 YEARS OLD. MY UNDERSTANDING OF THE STATUTE OF LIMITATIONS IN INDIANA IS 6 YEARS ON A CREDIT CARD DEBT, AND TIME STARTS AT THE TIME OF THE FIRST DEFAULTED PAYMENT OR THE LAST PMT. RECIEVED.WHICH THERE WASN'T ANY. I KNOW NOTHING ABOUT COURT AND ALL I KNOW ABOUT THE STATUTE OF LIMITATIONS IS WHAT I'VE READ ONLINE. PLEASE HELP, THANK YOU.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX- XXXX 3. XXXX XXXXXXXX XXXX- XXXX 4. XXXX XXXXXXXX XXXX- XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.
Consumer complaint received 2018-06-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (VA)

XXXX XXXX is refusing to close our XXXX  account. Weve submitted a close account form and asked for a refund over a month ago. Service fees are now being charged. On XX/XX/18 I called customer service and they put me on hold and then hung up on me and did not close my account. Ive used every option I can think of but they continue to charge service fees and not refund the extra amount or close the account as submitted to them in writing.
Consumer complaint received 2018-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Springer Collections Inc. (MN)

The XXXX attempted to Bill me for conducting additional XXXX after my insurance refused to pay them because they did took the XXXX to close to my last exam. The denistry did not explain this to me or check my policy before. When they attempted to Bill me I refused and asked if they had an internal policy that requires their staff to verify insurance policy before. They stated they just recently updated their policy. They then had an attorney contact me for payment, I requested validation and their policy. The attorney never provided me the debt validation information I requested. Recently when requesting a car loan, this popped up on my credit report from a debt collector I never heard of and learned it was for this debt. This has caused me lasting hardship and I continue to refuse that I owe this debt for the XXXX  's lack of care of it's customers.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello Due to covid 19 I lost my job XX/XX/2020, I applied for unemployment benefit and was approved, I was told that they will send me a bank of America card within couple of weeks, I patiently was waiting until XX/XX/2020 until I called the unemployment department and I was told that they already sent my card so they refered me to bank of America to see why it was delayed, I called bank of America on XX/XX/XXXX to see why is the delay only to find out that they already sent it even though I never received nothing from them and on top of that the card been used and activated without need of pin code and was charged over 12000 dollars from my money : ( B.O.A stopped the card and send me a new card with no money and they say they will open investigations with all the charges until now I still didn't get my stolen money I filed a police report in XXXX county sheriff department in California XX/XX/XXXX the 2020 report # XXXX I opened a claim with bank of America # XXXX XXXX XXXX XXXX on XX/XX/XXXX haven't heard nothing yet I ve been waiting patiently for my unemployment benefits to pay my mortgage and now I am still waiting for bank of America to pay me back since they compromised my card i need some help and attention since I haven't got paid since XXXX of 2020 My name is XXXX XXXX XXXX phone number XXXX XXXX XXXX