BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-31
Company: Ditech Financial LLC
State: NH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had what I thought was a morgage on my mobile home for the past 17 years ... a $ XXXX/30 yr morgage with 13.5 interest rate. Recently I learned that it was not a morgage but a regular loan with " Ditech '' formerly Greentree. They took over GreenTree loans earlier this year and it has been an awful experience. I was working with Greetree due to unemployment, when I could not get in touch with them. I finally had someone from ditech call me, harrasing me, referring to me as " baby girl '' telling me I better have somewhere to go cuz I 'm outa there!!! I was beside myself. I tried to explain that I had been working with GreenTree, that they were supposed to move a payment to the back of my loan. He said it did n't matter due to Ditech taking over. He would call and call, when I answered he would say crued things and eventually I stopped answering. I got to scared to call, scared to answer. He goes by the name Mr.MacDonald. This was just some of it. Since XXXX they have refused any payment from me ... saying they were bringing to the next level. In XXXX I paid two months. I 've tried to pay since ... they say now that because it 's past 90 days they can not accept payment ... .because it 's gone to their attorney. It was not 90 days late when they innitially refused payment. 
Help!! I do n't even qualify for a home loan modification, because it 's not a morgage???? I was never told that. I 've always known it to be a morgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: United Recovery Solutions
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recieved several threatening phone calls to my mother 's phone 's and mine from  United Recovery Services to contact them or they would garnish wages and contact by Human Resources depa rtment. When requested written verification of debt by mail nothing was never received by mail or reported to any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Ocwen Financial Corporation
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
loan  XXXX  serviced by Ocwen many attempts to get a suitable modification plan ; Ocwen failed at all options began foreclosure again while I am recovering from a   XXXX   XXXX   in addition the original note of the deed of trust is wrong Paragraph  2 of  the original note says INTEREST ; this is a  PITI loa n not interest The word interest is wrong and make the note invalid  Ocwen  says since they did n't prepare the note that it was an oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
fraudulent charges were put on my American express credit card by someone in XXXX I I I believe. I did file a police report and called the credit card company. American express said they would call me back within 72 hrs. To verify that I am XXXX XXXX. The problem is they did not call me back. I have called them several times and they keep saying they have to call me back to verify identity, but they have not called me back. Now I want the charges taken off and the account closed. How can I get the charges removed if they do n't call me back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Good morning, I bought my car in 2011. We pay XXXX dollars in cash. 
Registration When I had no knowledge that the words ' 'one lien Recorded ' meant I owed money to the bank. My XXXX is not good now, and at that time was worse. 
I sold my car XXXX days ago as litter, they paid me {$250.00}, and the person handling the crane said I owed money to the bank. The data take my license, and I explained that I had to communicate with the bank. Try every possible way and I could never reach anyone. For this reason it is that I present this complaint and let me know what else I can do. I not owe money and I would like to clean that my recod. I would like to add that I never received any letter from the bank in XXXX years. Thanks and could please answer in XXXX? I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXXAccount # : XXXX, XXXX XXXX ( XXXX ) -Account # : XXXX, XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX XXXX XXXX-Account # : XXXX XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXXAccount # : XXXX, XXXXXXXX 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 2017-05-04
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On  XXXX   XXXX ,  XXXX  I sent a certified letter to  M & T bank loan modification dept  ( CERT MAIL #  XXXX  ) That letter was in response t o a trail m ortgage period in which the loan was NOT modified from its current status. Namely, the bank wanted {$1200.00} per month and the original loan was about the same payment.     I received NO consideration for my changed employment status. Specifically, the bank did not change in the interest rate, change in the principal amount of the loan, change the length of the loan nor the total amount of the payment each month.     The banks letter specifically stated that if I was unable to ma ke the trail payments  that I should contact the bank for additional options. I never heard back from them.     My attorney filed an appeal to the NYS appellate court to challenge mistakes in  the county  court and in response to this appeal which was to be heard on  XXXX   XXXX ,  XXXX  the bank forced a foreclosure sale on  XXXX   XXXX ,  XXXX  in attempt to obtain the property before the legal questions were answered.     These questions included : 1. Did the plaintiff comply with the strict requirements of   XXXX     XXXX  and  XXXX ?     2. Has the plaintiff proven standing to commence a foreclosure action?
3.   Was it error to grant summary judgment when the defendant had served discovery demands and the plaintiff never responded?

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 2021-07-28
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Step 1 : What is this complaint about? Cash app & XXXX XXXX  XXXX Step 2 : What type of problem are you having? 
Getting my money returned to me Step 3 : What happened? 

Amount : {$190.00} Date & time : XX/XX/26 XXXX XXXX Unauthorized : cash app scam from someone who told me if I send {$200.00} then I get back {$2800.00}. Once I sent the money they claimed I need to send more to verify my identity. The lady is using a fake cash app and fake XXXX name Amount : {$400.00} Date & time : XX/XX/26 XXXX XXXX Unauthorized charge : cash app bitcoin scam and now the person wont respond to any of my messages to get my money back Step 4 : What company is this complaint about? Cash app and XXXX XXXX  XXXX XXXX 5 : Who are you submitting this complaint for? me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a second mortgage with HSBC. I made payments of {$220.00} per month on time. I then received a check returned by them saying my account was closed. About a year later I received a collection notice from XXXX XXXX a collection service. for {$29000.00}. 
I thought I was finished paying until I received this letter. I am on social security and can not afford this, especially sice I thought this loan was finished and behind me. I seriously need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Experian Information Solutions Inc.
State: OH
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:
I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX    60-89 D ays Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX    60-89 Da ys Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: ECMC GROUP, INC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I initially requested a hardship/deferment for my student loans with ECMC. I did n't receive any late notices or requesting information letters from this service provider. Now I am receiving letters of wage garnishments. When I talk to reps on the phone my calls are never documented like they should. I have even reached out to the ombudsman. I have submitted requests to have documents to be re-sent to me, and have not received anything. I have even requested assistance on how to rehab the loan. This collection agency is not helpful at all. I am willing to pay something, but they will not provide the requested information in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: PNC Bank N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
PNC cus tomer trying to do the right thing in paying a credit card with extremely high/abusive interest.   Opted to do online banking for better control to try and pay off the card. The online system is made for the customer to be locked out. I have attempted multiple times to cal l PNC wh o is unable to assist by phone. they say they ca n't help because of security reasons despite the fact that I answered all their questions over the phone. I have a credit card on my name and I am on a joint account with my parents. Somehow they would only be able to help based on the debit number. So, I ca n't manage the credit card and keep incurring high interest fees. They are now on the third time sending me via mail  3-7 bu siness days a pin. I have tried this already, it works for a minute and anytime you try a transaction is locks you out.     This is abusive and need to stop. I was also recently contacted by a SCAM company to try to re  duce the high interest rate allegedly which tells me PNC is selling the information to other sub company trying to make money out to the interest it is charging me.
I have been with PNC for 15 years but this is outrageous. As soon that this cards is paid t  hey will never get my business again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 I paid my loan with USAA in full. I waited 7 to 10 days for it to show on my credit report. It had not, so I filed a dispute with XXXX  and XXXX. USAA came back saying the credit report was correct and dispute was not valid. So I waited a few days and submitted another dispute with XXXX, once again the same response from USAA. So I filed yet another dispute and attached the document below, which is from USAA clearly stating the account is paid in full. They once again come back on the XXXX of XX/XX/2021 stating the dispute is invalid, account is open and balance is correct. I have made numerous calls to both XXXX  and USAA and have gotten the run around over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX and XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am a victim of identity theft. I have disputed this account multiple times and requested verification of debt but this company refuses to respond with any information regarding this account. This account does not belong to me and I want it deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In     XX/XX/XXXX , my car was totaled and I had to resign from my position as a result. I called Navient on  XX/XX/XXXX  and paid {$150.00} for a 3-month forbearance, but the forbearance would cover the two months I was past  delinquent (   XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX ) and I  would have to call again  in  XX/XX/XXXX . I   moved in with my aunt in  XXXX , PA on   XX/XX/XXXX  and have not found a job as of yet. I did not have savings, so what I have from my final paychecks is depleted. I called Navient today,  XX/XX/XXXX , and told them I am unemployed and do not have {$150.00} for the forbearance. They informed me that if I was n't in   school or could n't pay {$150.00}, they could not stop my payments. I asked the representative to please record that I had called and informed them of my situation and tried to resolve it. I have   XXXX   co-signers : My father,  XXXX   XXXX , and my grandmother,  XXXX   XXXX . Neither of them are in contact with me right now because I went into delinquency with  Navient la st year due to financial issues and they became angry with me because of it. In   XX/XX/XXXX , I  ended a long-term relationship and moved into an apartment on my own. I also bought a car. These decisions were not financially responsible, but I bear all of the blame for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Las t XX/XX/XXXX , I called OCWEN about my home loan in regard to it 's converting from the ARM to pay down. I knew it was coming up. They informed me on the phone that it was not going to mature and that I was good. I was shocked in  XX/XX/XXXX  when I  received a call that I was late on part of my payment. My mortgage went from  XXXX  to  XXXX . I was told I could modify, but found  out  4 m onths later, that the loan I have specifically says I can not be modified. The lack of professionalism throughout can not be overlooked and fraudulent and ignorant activities seemed shocking. I continued to pay my payments in two increments, the original payment, and the balance to cover the new monthly. I was finally able to refinance my loan. Apparently in one of the last months,   XX/XX/XXXX , I was late 3 days on a partial payment. It was either my error or the bank, but either way, it was three days on only a part of the payment. Because of this, they reported me and my Credit score was severely impacted. It then caused me not to be able to refinance a HELOC at that time. I have been rejected in my attempts to appeal to OCWEN and to be honest, they have never been helpful throughout my experience with them. Their incompetence has been a hurdle I have dealt with since   my loan was sold to them. I feel that OCWENs practices are questionable and their reporting me was above the necessary. Also, their fraudulent information given to me hindered my ability to make good decisions about my loan. Much of this would have been avoided if they had not lied to me. This lying seems illegal especially based on the fact they were able in return make more money off me. I want to report them for their questionable practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Paypal Holdings, Inc
State: TN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I having been trading on eBay and using PayPal as my payment method. My complaint is against PayPal. In the past month, I 've had a number of transaction cancellations and returns for refund. PayPal has deemed this high risk behavior and frozen my account which has a balance of {$19000.00}. I am not permitted to move that money, my own cash, anywhere. I ca n't send or receive money and most significantly can not move the cash to my linked checking to pay other bills or buy groceries. They will not tell me what if anything I can do to fix this. I have had an account with them for 14 years with no problems. I even told them to cancel my account permanently, just give me my own moony. Even now, I 've broken none of their policies nor any laws. This is a subjective directive that 's come down from " executive escalations. '' They state that they empower themselves to be able to do this. I 'm not indebted to them or anyone I 've traded with so I want to get my money out of that system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On   XXXX   I went through the various screens and specified, first  XXXX , then Equifax, but in each case at the last screen where it said it was getting the report it said that I could n't get it online and would need to mail to an address they provided. This is misleading when it was advertised as providing an online report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has continued to call my mother who is in no way affiliated with the loan about payment, even after I have paid. After calling to let them know this, they said thats the number they have, even though I never gave it to them and that it takes a few days for the payment to process.

Company response to consumer: Closed with explanation