BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-07
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage loan thru PrimeLending, got approved and went into the closing with the tittle company. Everything was signed and I was provided with documentation about the amount needed to close the deal that had to be wired. I wired the money to the title company and informed the involved parties about the transaction. After 48 hours I was contacted by the originator, and he told me that I missed to pay the full amount for the closing. When we reviewed the documents, he told me that apparently a glitch in their system did not put the correct amount into the closing cost sheet. When I revised the file, a credit from the lender was missing, as a well as other amounts were changed. The originator told me that I had to pay for their mistake or I lose the deal. The amount the lender claims I owe is {$210.00} I do not feel this is ethical as they can also say can later on claim that another glitch happen and another amount would change for no real reason in the future. I fear this lender would incur in such practices through out the life of the mortgage as I was later on dragged into multiple changes that skyrocket the costs and are out my budget with each review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
-New mortgage loan with Stearns/  XXXX     XXXX , insurance was paid through my escrow account.    XXXX  I paid my mortgage insurance in full directly to my insurance provider for a full year for the dates  XXXX . I provided  Stearns  with the information and a copy of the receipt showing the mortgage insurance was paid in full and requested the insurance to be removed from escrow and to stop billing me for insurance.   -I have emailed, submitted to their website, mailed through the  USPS , had my insurance provider contact Stearns and I have called 10 tim es submitting proof that the insurance was paid in full. Each time I speak to someone they say it 's being researched and has been escalated for resolution and each time they give me a resolution date which passes with no change to my bill.    XXXX   Stearns sent me  a paper bill, Annual Escrow Account Disclosure Statement, stating that I have an escrow shortage of {$1000.00} due on  XXXX / XXXX /  XXXX   in addition to my regular mortgage payment due  XXXX / XXXX /  XXXX   and yet still including a portion to go to the escrow account to cover my insurance payment ( which they acknowledge on the phone that they see I 've paid ). I can not get an explanation on why there is an escrow shortage nor have they fixed the escrow issue. I paid {$870.00} directly to the insurance provider which should change the escrow shortage or overage.    XXXX / XXXX /  XXXX   - The customer service rep I spoke to said complete resolution by  XXXX / XXXX /  XXXX  .    XXXX / XXXX /  XXXX   - I checked the website and my account has still not been updated. The customer service rep said he sees all the times I 've called and said someone will call me next week " maybe Monday or Tuesday ''. He has " reescalated the escalation ''.   -As of today, they are still billing me for insurance. It has been  two  months since I paid the insurance in full and Stearns is still billing me for it and they are also billing me for an escrow shortage of {$1000.00} for a loan I have only had about 8 months.   -My monthly bill has been {$1900.00}. The statement sent to me says if I do n't pay the {$1000.00} shortage my new bill will be {$2100.00} and they have not taken into account the {$870.00} payment directly to my insurance 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 2022-01-02
Company: Lincoln Educational Services Corporation
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a received a bill for {$320.00} in 2021. When I graduated from Lincoln Tech they told me everything was taken care of until I received this bill. It hasnt even been one year and I was put in collections. I was even paying little just to not get put into collections. I dont understand how you can put a student loan in collections just for a few months and now it has hurt my credit score. I need this to be out of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
A money transfer in the amount of {$1000.00} was processed on  XXXX  to my landlord who has a   XXXX   XXXX    XXXX  account this transfer was with a company called  XXXX . On  XXXX  the payment of {$1000.00} was taken out of my account. On  XXXX  another {$1000.00} payment was taken. None of which ever made it to my landlords account. On  XXXX  I was called at  XXXX  by  XXXX   . T o inform me that  XXXX   XXXX   XXXX  would be returning the money on Wednesday  XXXX . On  XXXX  I received an email from  XXXX  stating that my payment had failed and the money would not be returned to me because there were no funds taken. Which is clearly not the case. I called numerous times throughout this process. All almost to no avail. I was told in the very beginning that they could not help me. I have spoken to supervisors and still am in a run around. I called on  XXXX  and was told basically they had no idea what was going on. And today which is now  XXXX . Still with no resolution. Or even a glimmer of resolution. With an overdrawn account and bills that need to be paid. I am running out of time and patience.

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 2017-03-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX # XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax refuses to delete a fully paid and released tax lien from my credit report even with a recorded release and evidence from the XXXX XXXX XXXX recorder with the same information that it has been paid and releases. This is completely inconsistent with the IRS XXXX XXXX XXXX, other reporting agency standards and they are not treating all tax liens consistently amongst all customers. Some people have them deleted and some do n't. All paid and released tax liens must be deleted from credit reports! I have XXXX dispute cases and have contacted them multiple times by letter and telephone and they continue to show this paid and released tax lien on my credit report, although they claim they are reflecting it correctly because it says it has been paid and released, yet they refuse to delete it entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I bought an item on ebay but after my purchase I saw that the information given by the seller was inadequate. I discovered that the item bought can not be used in XXXX. I immediately cancelled the purchase and the seller agreed. In spite of that agreement, the product was delivered to my address in the XXXX. I was unable to resolve this issue with the seller ( who wants me to pay for the transportation costs ) so I requested my money back from paypal. Paypal is not willing to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Paypal Holdings, Inc
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A couple years ago, I paid for an ebay product with paypal and they charged by bank account twice. I stopped one of the payments at my bank ( XXXX ). After this paypal demanded a whole bunch of bank statements etc. I refused and told them to close my paypal account. This happened over a year ( maybe two years ) ago. Now they keep sending me spam email telling of changes to their account policies. Today I went on their website to re-close my account. Their website wo n't let me send a secure message to close the account. I called their customer service to close the account. They say the account is limited and they wo n't close it. I want them to close the account immediately and they refuse. Please make them close my account. I do not owe them any money, I have no orders in process. I have not do n't business with them for over a year and they will not close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: Spring Equity LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted the company for a Home Equity Loan in early XX/XX/XXXX. They asked me for specific information including providing W2s, Paystubs, Mortgage statements, drivers licenses, homeowners insurance and additional information necessary to conditionally approve my application and forward to underwriting. They ran a `` Drive By Appraisal '' which I paid {$180.00} for and was significantly lower than the Market Comps ( appraised for {$390000.00} ). They asked me to send Market Comps and they would share with Underwriting - I also shared a full appraisal when I refinanced my first mortgage with XXXX XXXX last year which was appraised at {$420000.00}. I provided that last week and they are now not responding to any e-mails. I believe this company may be unfairly deceiving consumers to generate appraisal fees as a revenue stream. In fact, I applied for a similar loan with XXXX, and the process was streamlined and they ran a Desktop Appraisal which was consistent with the Market Comps ( {$440000.00} XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On   XXXX   XXXX   XXXX    , I received a notice from FedLoan Servicing telling me that it was time to renew my Revised Pay As You Earn repayment plan. This notice advised me to re-certify using  XXXX . It never told me that I would not be able to import my tax return as I had been doing for years.     On   XXXX   XXXX   XXXX    , I went to  XXXX  to renew my repayment plan. I completed the online application and had my spouse complete his portion on  XXXX .   XXXX   then instructed me to mail a paper copy of my application to FedLoan Servicing along with my tax return.     FedLoan Servicing never told me that I could upload everything online ; I had to figure that out on my own.     I submitted my application and my tax return  online. ( See att ached screenshots. ) On   XXXX   XXXX   XXXX    , I received an email stating that FedLoan Servicing had received my application and was processing it.     Then on   XXXX   XXXX   XXXX     I received an email from FedLoan Servicing stating that I had a message. I retrieved the message and it told me that it was unable to process my application because I had not provided income documentation. It then told me that I needed to reapply using  XXXX . It did n't even provide me a way to fix my application. This letter was very confusing.     I called FedLoan Servicing later on   XXXX   XXXX   XXXX      . I spoke with  XXXX  employee ID #  XXXX . He said that the letter I received was likely automatically generated because I did n't import my tax return online. This seems implausible. Why would FedLoan Servicing autogenerate a letter denying my application? He looked into my files and saw that the application and tax return were there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I. C. System Inc. reported a collection on my file for {$120.00} charge from XXXX XXXX. When I was contacted by them in Decemeber I told them that my insurance company covered the charged and I was not sure why they where calling me. I even offered to pay the debt if they could show me where I owed the debt. I have not be contacted since.

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 2017-05-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I recently contacted Navient Customer Service on  XXXX   XXXX ,  XXXX  to discuss payment plan options with a customer service agent. I have been paying my  XXXX   XXXX  student loans for 7 years, some of which are serviced by Navient. I have to call once per year to go through a financial statement to assess what my monthly payment will be for the year. In  XXXX  I was provided great assistance by  one  Customer Service agent. She managed to place me in a program for 15 months with an affordable monthly payment and a reduced interest rate. I made the payment every month on time by automatic debit from my checking account with no issues. I had called on  XXXX   XXXX ,  XXXX  to see if I could continue such program, or perhaps get into a different program with similar benefits. I reached a customer service agent who was rude from the outset. It was clear she was not interested in helping me. We started going through my financial statement, and I was candidly answering the questions. When I answered her question as to how much my monthly grocery bill is, she did not like the answer as she believed that it was " too much ''. She asked " is anyone on a special diet ''. In all the years I have been dealing with Navient, I have never been asked the type of personal and inappropriate questions this agent asked of me. She told me she needed to put me on hold so she could research my options. She kept me holding for ove r 20 minutes, then disconnected the call. I called back to reac h the same agent, I was told I was being put through to her. She put me back on hold, and then must have ended the call without even addressing me, because the customer service agent satisfaction recording came on ( which is only played once the call is complete ). On  XXXX   XXXX ,  XXXX , I began receiving email notifications that there were new  Navient Loan Documents available for my review. The customer servi ce agent had clearly been processing unauthorized requests on my behalf without my request or approval because I have documents denying me certain programs ( that I have never applied for ). This customer service agent was clearly trying to harm me and financial state. She asked where I work, which is informatio n Navient has always been privy to. For the first time ever, Navient  is contacting my office without my approval. This kind of behavior, harassment, and unprofessional customer service should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax refused to do a proper investigation regarding XXXX item in my account. Since 2016 I 've been contacting Equafax regarding this matter but the last ignored to conduct a proper investigation to verify the account. In my letter I specifically mentioned the statuary law that would make them investigate but every time they would say we did investigation and the account belongs to you and no details were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 requested my credit reports in the mail. Upon looking at all XXXX, the months of XX/XX/XXXX and XX/XX/XXXX has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.

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 2017-05-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There are discrepancies on my student loans : personal information that are false or somehow got linked with the wrong accoun t ( s ) . Loans that I have no recollection of nor authorized. Loans that have been accrued over twenty plus years and should be reduced or qualified for a loan forgiveness program because of my   XXXX   XXXX   XXXX   XXXX   who worked for   XXXX   XXXX   XXXX   for over a decade. Loans that are in the repayment process and or under forbearance due to financial hardship should not have had such a negative impact on my credit score to a point that it has hindered my ability to qualify for different services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Google Compare Credit Cards Inc.
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was supposed to receive concert tickets after sending " XXXX XXXX '' {$150.00} through Google Wallet. The concert was on XX/XX/2017 and I never received the tickets. Since then he has blocked me on twitter after he stopped responding to my messages. Therefore, I ca n't see the direct messages between us anymore. At first he sent me a broken link that said XXXX which was weird because he told me the tickets were on XXXX. The link that I opened was broken. He told me that I could pick the tickets up at the venue which was a lie because I 'd need his ID and credit card information to pick it up. When I asked him he blocked me. This girl that was also scammed by the same exact guy received her money back that same exact day. I 've taken the same steps that she has and I still have n't received my money. Also a representative named XXXX, from Google 's support team, was the one that told me that XXXX was a scammer. He told me that his account is know for fraudulent transactions. Since that is the case, my money should have never went through to his account. Google wallet comes with 100 % fraud monitoring supposedly. This is why I do n't understand why is it that the first person I spoke to on the phone from Google payments ( XXXX ) told me immediately when he saw who I sent my money to that he is known for fraudulent transactions and scamming people out of their money. I want to know why his account is still open and more importantly why any money that is being sent to him goes through if it is on Google 's database that he is a scammer. I was not protected in the slightest and I want my money back from HIM. Not from my bank which is n't being helpful at all but from him especially since you know he is a scammer and let my money go through to his account regardless. My bank ( XXXX ) told me that I have to file a police report and even then there is not a good chance that I 'll get reimbursed. I just really need my money back and no one wants to help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have an account with PayPal and have funded it with cash for various purchases and other account activities. PayPal has locked my account due to the fact I transferred money from my PayPal account to my bank account. I currently have {$3000.00} in this account and PayPal is telling me they wo n't refund it to me for 180 days which is unfair and poses a hardship to me.

Company response to consumer: Closed with non-monetary relief