BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-15
Company: Google Compare Credit Cards Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Google has sent me multiple emails on a debit card debt. I have notified google through email that I have filed for chapter XXXX bankruptcy, however, they keep sending me collection notices and violated the automatic stay rule. I suffer from XXXX and they have aggravated my condition. 


Case # XXXX ( Chapter XXXX ) Title XXXX XXXX XXXX Filed XXXX/XXXX/2016 Judge XXXX XXXX XXXX Original Chapter XXXX Vol / XXXX XXXX XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P : ( XXXX ) XXXX F : ( XXXX ) XXXX E : XXXXXXXXXXXX XXXXXXXXXXXX XXXX ( XXXX hours ago ) to me Hello XXXX XXXX , You have - {$390.00} in your Wallet Balance. 

In order to continue using Google Wallet to make purchases and send money to friends and family, you 'll need to add money and settle your negative balance. 

To settle your negative balance on the desktop site : Sign in to your account at XXXX. 
Click on Settle Balance in the top yellow banner or in the left bar under your current Wallet Balance. 
Choose a payment method from the drop-down menu. 
Click on Settle Balance to complete your payment. 
To settle your negative balance in the app : Open the Google Wallet mobile app. 
Go to the navigation menu on the left. 
Tap on Wallet Card & Balance. 
Tap on Settle Wallet Balance. 
Review the confirmation and tap on Add money. 
Thanks for your quick attention to this and for using Google Wallet. If you have further questions or need help, please visit our Help Center or contact us at XXXXXXXXXXXX. 

The Google Wallet Team ( C ) 2016 Google Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX You have received this mandatory email service announcement to update you about important changes to your Google Wallet account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
To whom it may concern, I called Aidvantage the last week of XXXX to request a portion of my student loan back due to the CARES act. I was told it would take 4-6 weeks. Then on XX/XX/XXXX, I called back to check on the status. It was then found out that the request was never processed. The person helping me Submitted a neo request of {$20000.00}. He said he would escalate the situation, and said that I will see the balance back on my Aidvantage account soon. I called back today XX/XX/XXXX to check on the status. I dont want them to drop the ball again. The person said that it will again take 4-8weeks. I am getting mixed information about timelines and expedited procedures that Aidvantage doesnt seem to be able to hold. I have contacted them via email to explain my situation. I am not happy with how they are handling this situation since the student loan refund Cares act is nothing new. Thank you for helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Paypal Holdings, Inc
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Paypal gave me a line of credit, as a person under the age of XXXX, without a cosigner or proof of income when I am aware that there is a credit act that protects people such as myself. I did not intend to apply for credit, and have never used paypal before so I used the payments as instructed. Not only was I deceivingly signed up for credit, I was not protected as a minor by paypal in those terms. Since I did not know it was credit, there is now unpaid interest and late fees on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Back in XXXX of 2016 we went overseas. Not realizing we needed to let PAYPAL know. We run an EBAY business. A very active EBAY business. We we came back we were ask to provide information or they would shut down our account. We have given them all the information they have requested and in the requested time frame. THEY STILL PUT A HOLD ON MY FUNDS. Since i still need to run my ebay business to pay my bills they are currently hold {$25000.00}. YES {$25000.00}. I can not pay my loan, ebay fees or even my shipping fees. PLEASE HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from XXXX in XXXX, WI and they sold a false claim to them in the amount owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Lakeview notified me they were transferring my mortgage to a subservicer of Lakeview effective the XXXX of XX/XX/2022. My Lakeview loan ( XXXX ) was reported to the credit reporting agency that I closed the loan. They created a new loan ( XXXX ) at XXXX XXXX the subservicer that has not been reported on my credit report yet. My credit is destroyed my credit score dropped XXXX points in XXXX and I am currently unable to get a loan because of this. XXXX XXXX is the only one that I have been able to contact and they are trying to tell me that this is how the process works. I did not close my loan and open a new one. Please let me know if this is how a transfer is suppose to be done and if they are allowed to trash your credit.

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 2015-04-08
Company: POPULAR BANK
State: NY
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
sent XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX XXXX XXXX XXXX in cash advance to receive a XXXX loan reinbust of XXXX total of XXXX threw XXXX wanted me to send more money of just about XXXX per pick up to receive funds on XXXX XXXX XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for refinancing home loan with Quicken. To reduce payments and pay some bills. I went through months of providing information and talking to many different people who were to take you to next step. I was told this the answers would be quick. After furnishing all information sometimes twice and paying fee. Getting appraisal, Title and Insurance. Told closing would be set in next 72 hrs. I took off work and then nothing from them. I contacted them to see what was the delay and was told loan was denied. I spent so much time effort and fees ans was given every assurance this would close then just be told " denied '' I 've written and complained asking for explanation. Ive re none. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit and I find out Sequium asset solutions has created a debt collection claim. I look online and there are plenty of people calling this company a scam. This is the first time I hear of this so I naturally dispute the claim because it must have been a mistake. I need to solve this issue because it is not fair that these people can scam so many people out of their hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My wages have been garnished since 2017. I have tried to contact the lender as well as the collection agency to vacate the order and have not been able to succeed. The payments are {$500.00} a month and it is becoming hard for me to continue to make payments. i already paid more then half of what is owed. I am not able to an accurate balance due. and my credit report still shows it with the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRUHOME SOLUTIONS, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TruHome Solutions services my mortgage from XXXX XXXX XXXX XXXX. Last month they added {$200.00} to my mortgage payment for homeowner 's insurance. I have and always have had my own homeowner 's insurance. I and my insurance company have emailed them the proof that I have homeowner 's insurance, several times times. I have been told on the phone and by email that they would remove this forced and unnecessary insurance. Last month, so my payment would not be late, I went ahead and paid my mortgage plus the {$200.00}. This month, my mortgage payment is due and it still has the {$200.00} escrow fee on my account. 
I will attach/upload the email I received, saying that the lender placed insurance policy will be removed and a copy of my homeowner 's insurance that I have had and will continue to have. 
Desired Settlement :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
These are blatant lies. I never and repeat never received any documentation on how they verified this inaccurate information. I have sent letters asking for their method of validation and received no reply and followed up with a letter demanding them to comply with my request or remove the inaccurate information. To this date, I haven't received the documentation and I am demanding this inaccurate information be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2020 I had an account at XXXX XXXX services for a vehicle lease and the lease was paid off and XXXX closed the account. Transunion dropped my credit score from a XXXX to a XXXX ( 70   points ) for no reason. I contacted XXXX  and they never reported a late payment or anything and account was closed in good standing and only change on credit report was the closing of this account. Disputed and Transunion did not change score. Currently at XXXX

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 2016-07-29
Company: Flagstar Bank, N.A.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I see that you took action against Flagstar bank in 2014 for their loan practices. I have read their violations and they are still doing this to me. They have done exactly the same things that you stated they were doing in 2014. They have delayed approval of my loan modification requests repeatedly, most of the time stating they did n't receive something, delayed responses to me, rejected payments from me, denied my applications for reasons unknown, never told me about appeal rights, and many other issues. At one point I was approved for a three month modification, during the third month I contact the bank to inform them of no change in my status, I was told to resubmit documentation which I did and was then denied a modification. This bank has been messing with me for over 800 days. My spouse is XXXX, I am now unemployed and XXXX waiting on Social Security and they are about to foreclose on my house due o their actions, not mine. WE have complied with every request from them only to be treated like we are trash. 

This all started over one missed payment. I called Flagstar to inform them that I could not make the payment and was told no problem, just make the payment the next month which I did. I sent a payment and it was rejected and returned to me 45 days later and stated was that I was now three months behind and the entire arrearage amount was due. Why did n't they tell me I needed to send two payments instead of their statement of no problem just send it next month? This has now blown up to where it is today, over 800 days behind and now they want over {$30000.00} to bring the loan current. Any local bank here would have moved that missed payment to the end of the loan and I would not be facing homelessness. This bank has been predatory to me and I believe their actions are totally unethical. How can they continue doing what they were told not to do after paying millions of dollars in fines, I just do n't understand this at all.

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 2022-10-18
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund of payments made during COVID moratorium at the beginning of XXXX. My account at XXXX stated that the money had been refunded on XX/XX/30. I called on XX/XX/30 to be sure, as the money hadn't hit my account. They said it could take 7-10 business days. It is now 12 business days in and the money has not hit my account, however, they are already reporting the debt to the credit reporting companies. Today they said that they send the refund to the department of treasury and that department is behind on issuing refunds. There is no instruction on how to get an ETA from the Dept of Treasury, no actual legal documents that say the Dept of Treasury will be sending that money. So we are supposed to apply for Loan Forgiveness and possibly receive forgiveness BEFORE we get a refund, and then what are the chances we never actually receive that money? at that point we don't have an open account with the loan servicing company anymore. I see a potential nightmare for customers here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX   ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Flagstar Bank, N.A.
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a settlement in XXXX based on harmful lending practices by Flagstar bank. The question I have is, this was a VA loan and the VA was never compensated for their part of the loan they backed, now I have a substantially reduced amount that the VA will lend me based on this. Is there a way to get the VA repaid? Also my credit report now states foreclosure redeemed, is there a way to have it removed all together? Thank you for your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Paypal Holdings, Inc
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Here 's the situation : I 'm a medical student studying in XXXX, and moved here a couple of years ago from XXXX. My parents wanted to send me some money to help with tuition and living expenses, so I set up a XXXX PayPal account to transfer funds between my XXXX and American bank accounts, because the fees for international exchange would be cheaper that way. 

After verifying my XXXX PayPal and getting it fully activated, I tried to send the money my parents gave me ( about {$7000.00} XXXX from my XXXX account to my XXXX on XX/XX/2016. According to PayPal, it takes about XXXX business days to process an international e-check transaction, which was no problem. However, after that time passed and the transaction cleared from my bank account, it still remained " pending '' on my PayPal account, with the money not showing in the remaining balance on either side. I called them asking about it, and they said for XXXX transactions it can take up to XXXX business days. As you probably guessed, that time passed as well with no status change. I called my XXXX bank, and they said there was n't much they could do because the funds had already cleared from my bank account. I thought PayPal may have put a hold on it for risk assessment ( as they explain in their Terms of Service ), but they never notified me about it and as such it would be a breach of their TOS if it were in fact a hold. 

And so, I called PayPal again ( now over a month since the original transaction should have gone through ), and they said it was " an XXXX. issue '', and that they " have escalated it and are looking into it '', but would n't give me a time frame for when it would be resolved. It seems as though, despite the money clearing from my XXXX bank account, PayPal 's system did not recognize the reception of funds. 

Now, it 's been over a month since my tuition for this semester was due, and I do n't have enough to cover it without those funds. I 've contacted the financial office at my university, and they were very understanding and did n't assess any late fees ; however, they did say it could affect my ability to register for class next term if it is n't paid by then. 

I am submitting this complaint now because, after XXXX months of waiting, XXXX separate calls and countless assurances that my issue would " be resolved soon '', I feel I have no other choice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: BB&T CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I can not begin to tell how frustrated I am. For the last 3 years I have been affected by health issues related to multiple back conditions. These conditions impacted my ability to continue to earn a living.. My family and my performance suffered. XXXX I was diagnosed with XXXX .I tried to avoid XXXX to no success. I began to default in my mortgage when the condition preventing me from XXXX etc.. XX/XX/XXXX I had no other choice then to have the XXXX. I was out of work I spend four months recovering. I return to work XX/XX/XXXX. Shortly after I was laid off.. 
I immediately continue to panic and provided a request for a loan modification from BB & T. XX/XX/XXXX I receive correspondence that they are unable to continue with a loan assistant option based on evaluation performed in accordance with my loan investor/insurer guidelines FHA/XXXX. 
This is my primary residence. We want to keep my home. I defaulted due to circumstances beyond my control. Understand that I would have not have gotten to this point If I had not experienced the medical hardship. These were circumstances beyond my control. I am now able to make payments on my mortgage. I am requesting my file be reviewed. I am providing a full financial package again with all updated documents. 
Thank you

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 2022-10-18
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2022, I was approved for auto loan with AmeriCredit. Then on XX/XX/2022, I received a welcome letter in the mail from GM Financial. In the letter it didn't state GM will be servicing my auto loan nor did AmeriCredit inform me that GM will be servicing my auto loan. In the meantime, I had sent GM billing error notice asking them to provide with contract binding, validation of the debt to pay them. I received in the mail account summary, TILA dealer contract, my credit application, and notary documentation that AmeriCredit and GM are one company. They never provided me with right to rescind disclosures. Those are not what I'm asking for and I'm so confuse because one company is in Maryland and the other is in Texas but the notarize shows both address state in the state of Maryland. As a consumer every document is supposed to be clear for the consumer to understand. I have spoken with dealership regarding my contract as to who was my original creditor and the finance manager stated Americredit not GM. I told him I wanted to make sure. I extended my credit to Americredit. I do not want to hear this is like a mortgage loan. A mortgage servicer informs their consumers on this date we will start servicing your loan all payments go here. I recently sent GM a Cease-and-Desist letter to them because they have violated FDCPA and as a federally protected consumer I have the right for GM to provide with the correct information I'm requesting. This company needs to be investigated for their deceptive misleading practices.

Company response to consumer: Closed with explanation