BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
MY MORTGAGE WAS JUST SOLD/TAKEN OVER BY PENNYMAC LOANS XX/XX/XXXX. I HAVE HAD NOTHING BUT ISSUES WITH THEM SINCE THEN. NOT ONLY HAVE THEY DECIDED THAT MY ESCROW ACCOUNT NEEDS MORE MONEY AND RAISED MY PAYMENT, BUT NOW THEY HAVE NOT PAID MY HOMEOWNERS INSURANCE PREMIUM. SUPPOSEDLY THE CHECK " GOT LOST IN THE MAIL ''. MY INSURANCE COMPANY HAS CONTACTED THEM ATLEAST TWICE A WEEK FOR 3 WEEKS, WITHOUT SUCCESS. NOW POLICY IS SET TO CANCEL IF THE PAYMENT IS NOT RECEIVED BY TOMORROW. MY INSURANCE COMPANY REP GOT ME INVOLVED TODAY, AND AFTER MULTIPLE CALLS, PENNYMAC THINKS THAT THEY CAN SUPPOSEDLY GET ANOTHER CHECK OUT BY MON OR TUES .... SEVERAL DAYS AFTER MY INSURANCE POLICY CANCELS. THEY EVEN SUGGESTED THAT I JUST PAY MY PREMIUM, THEN I CAN GET A REFUND FROM MY INSURANCE AFTER THEY FINALLY PAY.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We were approved for a short sale with a closing date needed by XXXX/XXXX/15 by Bank of America. On XXXX/XXXX/15 our buyer had an extreme medical emergency, when we asked Bank of America to give us an extension on the approval ( approval letter advised extension were possible ) to allow our buyers emergency to subside they denied an extension stating that Bank of America was going to sell our loan so they could not extend the approval. Closing attorney office asked several times and Bank of America kept advising that because they were selling the loan they could not do anything to extend the approval. Now after a couple weeks and repeated inquiries it turns out Bank Of America DID NOT sell our loan. We have the same contract in place for the house sale and now they are advising because the approval expired we need to start all over and be reviewed all over again. ( Which takes months to complete ) We feel we were not fairly treated and that Bank of America should be able to reopen the approval they already gave. They refused to give an extension based on the fact that they said they were selling, but they did n't sell and the approval expired due to their false information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had an account with PayPal ( PayPal XXXX, XXXX ) and Paypal processed a payment to my account from a buyer, who has purchased a watch from me. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. The bank-issuer of the buyer 's credit card initiated an unauthorized transaction request. I have provided Paypal with all the requested records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID at delivery. Paypal reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. PayPal reps also confirmed that the buyer 's bank HAS NOT provided any information regarding the case. BUT in about a month Paypal has withdrawn the funds ( {$5800.00} ) from my account without my consent and transferred it to the buyer 's bank. PayPal reps has provided the following explanation : - The buyer 's bank has hundreds of millions legal budget and I do n't. 
- The bank has to provide NO information on the transaction in question and PayPal would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences seller provides. They specifically stressed this would happen EVERY TIME. 

Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. 

This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Paypal to deliver the funds back to my account and let the buyer 's bank to deal with the buyer directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I reached out to my Mortgage Servicer Planet Home Lending asking for information as I may shortly have a difficult time making my mortgage payments due to the death of my son 's father who was the homeowner making the payments for the past 22 years. I inherited the property and the mortgage in XXXX 2016. I asked Planet Home to send me out a package with options I might have. XXXX of them was a Deed in Lieu. When I called them to discuss this I spoke to a XXXX who told me " we really do not do them. In fact I do not think I have ever seen us do XXXX of them ''. So is Planet Home Lending providing the Consumer with false information regarding options to Foreclosure? I sounds that way to me. I they do not do a DIL, then why does their paperwork sent to the customers state that they do. Thank you.

Company response to consumer: Closed
Consumer complaint received 2016-11-20
Company: Paypal Holdings, Inc
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am another victim of the paypal scandal that has been hovering over XXXX. Products that are sold from supplier 's that do business from XXXX are not good for business with their sub standart materials and craftsmanship. When problems arise paypal is always on their side with ruling of defective products. 

I 'm filing this complaint against Pay Pal for their bises practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX XXXX. On XXXX, I wrote to XXXX XXXX Services asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax Dispute Confirmation XXXX, does not address the issue or reason that I disputed. Their dispute reads " We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NV XXXX '' Again I have a check made payable to XXXX XXXX XXXX for the full balance. And once again they are refusing it, and insisting I call the company they sold the debt to. 

The company listed on my credit, must be the creditor. They must be the payable party. They can not list something without offering me a means to satisfy or pay it. This is ILLEGAL! The creditor name is essentially incorrect. XXXX XXXX would have to have whoever owns the debt, report to Equifax. This party can list XXXX XXXX as original creditor. This is being reported incorrectly. 

The listed party will not accept payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: A.R.M. Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection company keeps calling our business, employees, and their relatives after the written dispute of debt. The first notification of the alleged debt was received by our business on XX/XX/2016. The certified letter disputing that debt was sent to the collection company on XX/XX/2016 and was received by them XX/XX/2016 according to post office records. The debt verification still not provided, and abusive calls continue.

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 2015-05-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I filed XXXX times before complaints against " XXXX '', " XXXX '', " XXXX '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XX/XX/XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by XXXX Politicians or because Corporations are Governing America???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX XXXX I met with Assistant Operations Manager of Bank of America ; XXXX XXXX ; Officer, Financial Center Operations Manager, XXXX XXXX XXXX ; Bank of America XXXX The XXXX, XXXX XXXX, XXXX XXXX informed XXXX XXXX that my personal account XXXX has been levyed. I informed her that at Deposit was made directly into this account form XXXX XXXX County Workman 's Compensation Fund in the amount of XXXX on XXXX XXXX and that the monies were frozen since XXXX XXXX, 2015. I showed her a copy of the deposited amount and she verified it on the account. I also informed her I was being represented by Attorney XXXX XXXX, XXXX of XXXX XXXX XXXX at Telephone XXXX and XXXX and XXXX XXXX at XXXX as Co-Counsel. I informed XXXX that I have not received any notice from the bank that a garnishment order was received, the date the order was received, a brief explanation of the garnishment, an explanation of the bank 's responsibility to protect federal benefit payments direct deposited during the look-back period and keep them accessible to the account owner, the requirement that the bank identify any protected deposits during the review, and an explanation of how I can assert other exemptions in the garnishment action to try to protect any funds that the bank must freeze and provide the written name of the creditor who obtained the garnishment order and contact information. I also informed XXXX XXXX that XXXX State Law EIPA protects financially struggling families from losing all their money. In accordance to XXXX State Law, the Bank must allow you access to at least {$1900.00} - {$2600.00}. Assistant Operations Manager XXXX XXXX said she would forward this information to the Bank of America Legal Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistakes as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
This morning at XXXX CST I received an email from XXXX of my Credit Cards - XXXX Bank for XXXX Credit that XXXX payments legitimately made from a joint banking account with Bank of America were advised unauthorized. The amounts are as follows : {$97.00} $ XXXX XXXX Bank for XXXX Credit they received the dispute on XXXX XXXX, 2015 from Bank of America XXXX I have proof that the individual that is making these disputes on the Bank of America account was also an authorized user on the XXXX Bank for XXXX XXXX account. This seems to be an on-going matter with Bank of America allowing payments to be disputed and not doing a proper investigation on this matter. This is a direct violation of their fiduciary duty and they ca n't allow payments to any vendor to be removed. I was an active user on the Bank of America account until XXXX/XXXX/15 - I have proof that I was an authorized user on the account that the disputes were coming from.This is completely affecting my credit and I should n't have to pay for something that was authorized. My ex became extremely abusive hence the reason why I removed myself from the account on XXXX/XXXX/15. I do not think it is fair that they are allowing this foolishness to happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied online with XXXX bank and after applying was told I needed to take in or mail a deposit if I wished to continue with opening the account. I never paid a deposit to open account but they are reporting to chexsystems I owe XXXX on a account I never finished opening. I can not contact chexsystems online website has internal errors. I need to get my name and this account removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi, I had raised a request for refinance with TD bank in the month of XXXX with a 90 day window ending on XX/XX/XXXX. TD banks document itself had a closure date of mid XXXX. As of XX/XX/XXXX the bank has not closed the loan. There seems to be a issue with their underwriting process as they seem to get stuck there and the neither the loan processors and originators have any clue as to what is happening. I have followed up with the processor and also the escalation mechanisms available via TD and they have not been able to provide any ETA and not meet those that they committed to. I have provided all required documentation and details. This is adversely impacting any planning around finances that I am trying to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient holds my private loans. They have made it impossible for me to repay my loans in time and reported erroneous late payments. They cheated me out of lower repayment plans. They allocated my payments toward my interest and not my principle. When I was trying to pay the loan back, but was in economic hardship, they kept insisting that I do a forbearance, resulting in very high interest added to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Rocket Mortgage, LLC
State: IL
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Shopping for a line of credit

Complaint:
This Company uses many different names XXXX and XXXX quicken loans, Quicken loans has obtained or attempted to view all XXXX credit bureaus on more than 6 times unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan with XXXX XXXX XXXX was sold to SPServicing in 2013. I requested assistance with a loan modification due to a {$30000.00} dollar decrease in income resulting from the need to relocate to assist a XXXX child. I have submitted the documentation as requested repeatedly, submitted additional documentation, and when requested updated documentation due to an almost 2 year long process. To date I have not receive a modification or resolution of any kind. I initiated this process because I was having difficulty paying my monthly mortgage payment. At the outset I was only a few months behind, however over the past year and eight months since I began the process I have fallen further and further behind on mortgage. 
This company touts their caring nature and states their desire to assist in obtaining a loan modification, and prevent foreclosure, but this is not my experience with SPServicing. I do n't feel that they have acted in good faith or made any effort whatsoever to assist me although I have appealed to them in good faith. I wish to learn what recourse I have in terms of working with an agency that will truly help prevent the loss of my home and assist me in obtaining a modification that is more in line with the value of the home, a better interest rate, and a more affordable monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
US Dept. of Education Student Loan : This loan came about through my attendance at XXXX XXXX University in XXXX where I was granted a XXXX, due to the negative experiences there where in my first week my dorm room door was kicked in and my laptop costing over {$2000.00} was stolen, I decided not to return. The University then converted this " XXXX '' into a student loan and have been holding my transcript preventing me from completing my education at this time. I have attempted on several occasions to contact the college without avail. The original issuer of my XXXX when I was inducted in the XXXX with a GPA of XXXX is no longer with the University and no one is honest or has the integrity to check the records and be honest and release my records. I am unable to complete my education now that I am back in XXXX due to this. Please help it would be greatly appreciated. Thank you. 
Kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: ORG GC GP Buyer, LLC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attend XXXX college in XXXX, AL, which GC services has contacted me about several XXXX XXXX loans that was taken out for XXXX College, in XXXX AL. I called XXXX XXXX to resolve this issue several times, every time I speak to someone they advise me to do something different. Each time I did what they ask and got me know where. I was told to contact the XXXX college and asked for Verification as well a financial transcript. The school has no idea what I am talking about and advised me to contact XXXX again.

Company response to consumer: Closed with explanation