BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a loan modification on my mortgage due to reduced income, with Specialized Loan Servicing in XXXX, XXXX, and XX/XX/2019 and each time my request was never completed. Each and every time I received confirmation of paperwork received. I spoke to a rep name XXXX, who was very rude and telling me I should sell my house. This rep. was talking down to me as a customer/borrower, and discourteous, horrible attitude. The HUD counselor assisting me with my loan modification to ensure the proper procedures and guidelines were followed, witnessed Specialized Loan Servicing providing unethical business practices, very Poor service to me. I filed an appeal of why Specialized Loan Servicing was not processing my request for a loan modification, with HUD counselor. And they said they did not receive the request. In which, was a lie. The HUD counselor had confirmation, proof that the fax was received ahead of time. Specialized Loan Servicing continue to refuse to process my request for a loan request and then three days later  they attempted to foreclose on my home I been in for many years, without telling me. I found out through other sources. This is the worst service I have ever received. This company business practices are very shady. The public should be made aware of the unethical business practices by Specialized Loan Servicing,  and the horrific service they are providing to borrowers. The point of a loan modification request is to pay what you owe and keep your home.

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 2019-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, there were 4 fraudulent transactions of {$1100.00} on my credit card ending # XXXX. Bank of America detected these transactions and sent me a phone message to verify is this was me. I said no, and immediately contacted them to cancel the card and open the investigation. 
XX/XX/XXXX. I received notice in my Desktop app of Bank of America, stating I responsible for all four transactions, as follows Our records indicate that the card was present at the time of the transaction ( s ) as the chip on your card was read. In addition, your PIN may have been entered or a signature obtained. As a result, youll be responsible for the balance on the account in accordance with your Account agreement. Since Desktop app way was the only was I was notified ( no email or mail ), I noticed this message by end of XXXX. Bank of America provided no further evidence for the statements above. 
XX/XX/XXXX. I personally go to Bank of America, with a document written, asking them to re-open the case, and provide me the following : 1. The exact timing of transactions ( made with credit card ending # XXXX ) between period XX/XX/XXXX to XX/XX/XXXX. Apparently these were in-store transactions which I have never authorized. What is more significant, credit card was with me all the time. Thus, I asked for this information because I could possibly prove that I was not present during these transactions. 
2. Proof that my chip card was read, in addition to the proof that either PIN was used or my signature ( with signature scan ) 3. List of all transactions attempted with credit card ending # XXXX in the past two years, that is between XX/XX/XXXX and XX/XX/XXXX. This was related to two things - a ) I suspected that there could be more fraudulent transaction attempts, which are not visible to me as an end-customer of BoA, b ) I havent been using the card ending # XXXX, ever since I opened another reward card for better in-store deals ( that is in past two years ). 
XX/XX/XXXX. I got mail from BoA, stating, " We've received your dispute regarding our decision on the fraud claim. Our decision hasn't changed '' Bank of America provided me no evidence about their investigation that I have asked for, I was found responsible for transactions even though I stated I haven't done it in via messaging system, and their communication with me was done very poorly and scarcely.

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 monetary relief
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX a collection agency that purchased the debt from XXXX XXXX XXXX continues to Tarnish credit report and creditworthiness. XXXX  displays debt from company. XXXX had a buyout promotion during the time. XXXX agreed to pay off XXXX XXXX XXXX. Began services with XXXX and XXXX XXXX XXXX were satisfied.

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 2018-03-07
Company: Paypal Holdings, Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 I had the following PayPal debit from my XXXX XXXX XXXX account : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX debit from checking account : XXXX PAYPAL DES : TRANSFER ID:XXXX INDN : XXXX XXXX CO ID : XXXX WEB XXXX PAYPAL DES : TRANSFER XXXX INDN : XXXX XXXX CO ID XXXX XXXX WEB as Reconciled XXXX PAYPAL DES : TRANSFER ID:XXXX INDN : XXXX XXXX CO ID : XXXX WEB Merchant name : PAYPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I called XXXX XXXX XXXX and they will be following up on this. But XXXX at XXXX XXXX XXXX Billing Disputes : XXXX-XXXX-XXXX told me that anyone with a PayPal account can take money out of your bank account without your authorization knowing only your checking account routing number and account number. Since this is on every check I write, it means that anyone I send a check to can get a PayPal account and start draining my checking account without my knowledge! I find that hard to believe, but XXXX insisted it was true. 

Can you confirm that this is true? If so, how can we stop this, I do not have, nor do I want a PayPal account. But I sure do not think PayPal should be able to take money from my account without my authorization whether or not they have my routing number. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04
Company: Alabama Housing Finance Authority
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
am almost positive I am being steered. I started my loan modification process over a year ago and they keep pushing it back and denying me loan modifications. XXXX has told me they would be changing my fixed rate 4.25 % to 5.3 % and lowering my monthly payment by {$70.00}. I have applied for loan modifications so many times and each time they have a new reason why they are denying me. Something is not right. I am down to my last few option, but I know something is not right. I am complaining everywhere because this company is trying to take my home because of all of the equity I have in my home. They have been making it hard for me to afford my modification and they are always considering things into my monthly payment that I am not paying for. I have had it. I need to get people involved who can truly help me in this matter. XXXX XXXX XXXX knows of what XXXX  has done to me. During all of my loan modifications over the last year or so, XXXX has not be properly reporting to help me save my home. They simply want to take my home. 
Why are they telling me information regarding what the interest is GOING to be? So many things wrong here. They need to be stopped. 

Last year I was doubling up on mortgage payments to get caught up and when I lost my job and was only two months behind they never told me anything about a loan modification process. They just kept allowing me to get further behind. This has been the worst time of my life. How does it help the home buyer to raise the rate and only reduce payments by {$70.00} dollars. They are steering me. They want me to foreclose so that they can have my equity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: OH
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:
This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Payment Status shows " Paid as Agreed '' but in XXXX appears " 60 Days Late '' and an FCRA violation. Please remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Consolidated Information Services Solutions, LLC
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX submitted my info to XXXX XXXX without my consent. I have an inquiry on my credit report from CIS which is a reporting company for XXXX XXXX. XXXX over at XXXX XXXX apologized and said it was his mistake ( I have proof and a letter from XXXX XXXX stating there at fault ) XXXX will not give CIS the approval to remove. They told me I need to take it up with XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Mercedes Benz Financial Services
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, entered into a consumer credit card transaction with Mercedes Benz Financial Services on XX/XX/XXXX. I used my credit card as defined under 15 usc 1602 ( l ) and there was a finance charge involved as defined under 15 usc 1605. Mercedes Benz Financial Services failed to inform me that my insurance was included in the finance charges, but it was not as defined under 15 usc 1605 ( a ) ( 5 ) and 15 usc1605 ( c ). Mercedes Benz Financial Services then took my credit and got a loan and begin to violate 15 usc 1692e, because they falsely represent the status of the debt.

Mercedes Benz Financial Services violated my rights as they did not disclose to me my rights to rescission as defined under 15 usc 1635 ( a ) ( b ) ( f ). 
Mercedes-Benz Financial Services acknowledged the criminal liability for willful and knowing of their violations as defined in 15 usc 1611. On XX/XX/XXXX Mercedes-Benz Financial Services removed the alleged debt from 2 credit reporting agencies, leave the ruining of my reputation and defamation of character on XXXX violating 15 usc 1692d ( 1 ) ( 2 ) ( 3 ) as defined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/XXXX contacted TD Bank XXXX card service to have a balance transfer of {$10000.00} to my XXXX XXXX  XXXX XXXX XXXX XXXX. 
JXX/XX/XXXX the {$10000.00} balance transfer posted to my XXXX XXXX as {$10000.00} payment received. 
XX/XX/XXXX my XXXX XXXX XXXX was debited {$10000.00} and it was noted as stop payment. 
I immediately contacted TD Bank XXXX Card service. they claim that they never issued a stop payment on the {$10000.00} check. 
I contacted XXXX bank card services and they claim that TD had stopped payment. 
I spoke to supervisors at TD XXXX card services. they sent me letters and a copy of the check cashed by XXXX Bank card service. 
I wrote several letters to XXXX XXXX both the VP customer service and the office of the president of XXXX service. I included all correspondence and a copy of the {$10000.00} check they had cashed. 
I was contacted by XXXX XXXX from the office if the president of XXXX. ( XXXX ex. XXXX. I spoke to her giving her all the above details she told me she would look it and get back to me. I heard from her with in five days. NO solution she told me what I already knew that TD had put a stop on the check. 
I questioned her as to why on the back of the check was a stamp indicating XXXX XXXX bank was involved. They are our payment processing bank. I asked had she gone to XXXX XXXX no was the answer I received. 
TD bank XXXX card service and XXXX service XXXX XXXX both of these bank credit card services claim it is the fault of the other. 
I now owe TD XXXX {$10000.00} and that amount was never applied to my XXXX XXXX XXXX from XXXX XXXX. 
I paid {$400.00} transfer fee to XXXX XXXX. Where is the {$10000.00}. 


























4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During the XXXX and XXXX years, I tried to contact American Education Services about the loan they said I owed. They refused to correspond with my dozens of letters. I was in XXXX  for XXXX My mom had to contact them and they told her the interest would be deferred during my XXXX ( because I had no income at all ). They later told her the loans would be forgiven and considered paid in full. I now receive a letter dated XX/XX/XXXX, where AES is asking not only for the principal but an additional 11 years ( or so ) of interest. Furthermore, no one will tell me what this principal is in regards to. I paid off my loans completely. Today when I called ( XX/XX/XXXX ) was the first day that someone told me the vague response that it " was a grant that converted into a loan. '' I still have no idea what that grant was or why it converted to a loan. No one will tell me and I don't know the validity of it. 

I should also note that the letter they sent me says that the " loan ( s ) identified below, serviced by American Education Services ( AES ) and owned by the Pennsylvania Higher Education Assistance Agency ( PHEAA ), are in default. '' When I called PHEAA, they said I have no debt or active loans to them. When I questioned AES about this, they said that the loan is actually not owned by PHEAA ( despite what their letter states ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: PNC Bank N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
PNC Bank NA has arbitrarily disabled its interconnectivity to XXXX. I am unable to transact touchless/contact-less transactions to support an XXXX  XXXX XXXX. There was no notice or warning provided to bank customers of this development and no consideration of the monetary impact this would have on thousands of PNC customers who use XXXX to reduce their transaction costs in personal and business banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2019-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 10 hard inquires some u dont recognize and some i do. I was very new to credit and didn't know hard inquires damaged my report i have good credit other then these inquiries and i need to get them removed before i get another loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Maury Cobb, Attorney at Law, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They have called six times in XXXX on XX/XX/XXXX on what they said was a recorded line I informed them not to contact me again. On XX/XX/XXXX on what they said was a recorded line I told them I had previously instructed them not to contact me again and again told them not to contact me. On XX/XX/XXXX XXXX and XXXX they called again. Thereby violating the fair debt collection act by continuing to call after having been instructed not to In addition they have never sent any kind of notice of the XXXX Ill give it any kind of notice of a right to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a payday loan 8 years ago and Im still getting calls stating I owe them and if I dont pay they will take me to court and file a lawsuit for giving them my bank account info and not having the funds to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for fedloans every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.

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 2021-03-01
Company: Riehlman Shafer and Shaw LLC
State: NC
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation