BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Dear Officer at Consumer Financial Protection Bureau, My name is XXXX and I am Filing this complaint from XXXX, XXXX. 
Paypal has put a hold on my funds/account on XX/XX/2020, the total amount is XXXX {$XXXX}. I have requested Paypal a review/appeal of my case which was rejected by them. They have not given me a reason as to why they have frozen my account. The money in my Paypal account was generated from selling items on XXXX, all of my buyers have received their items and I have not had any complaints from them. I feel that holding my funds for 180 days for no reason is an abuse of power by Paypal. I lost my job 3 weeks ago because of corona virus and Paypal not letting me access my own money is putting me in a tough situation. I kindly ask the Consumer Financial Protection Bureau to look into this issue and help me resolve it. Thank you. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Paypal case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2017 amount is {$3800.00}, debt was added have attempted to fix this with collection agents but will not listen and fail to prove debt is mine. This was my fathers apartment and he since filed bankruptcy and they are trying to say i owe this debt.

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 2016-05-26
Company: Innovis
State: NC
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Shopping for a line of credit

Complaint:
CBC Innovis/First direct Lending I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have sent i n 3 sep arate payments totaling {$5300.00} to bring our mortgage current. I have spent hours on the phone with  Specialized Loan Servicing and have had  XXXX  tickets open to research and look for our payments, all of which have been taken from my checking account. One p ayment was sent as a personal check via  XXXX  on  XX/XX/XXXX , processed and taken from my checking account on  XXXX   XXXX ,    2017 f or {$1200.00}. Another payment was sent as requested via  XXXX   XXXX  for {$2300.00} on  XXXX   XXXX ,  2017. Ano ther payment for {$1800.00} was sent via  XXXX   XXXX  for {$1800.00} ON  XXXX   XXXX  , 2017.      We will go into foreclosure this coming week if the company does not prioritize this and find our payments and properly apply them to our loan. These total equate to more than 5 months of payments. I ca n't keep taking the time to call over and over again, each time having to explain the situation, and each time being told the same things over and over again. PLEASE HELP!!!     I am attaching what I can to provide confirmation of these payments. The company has these items, with the exception of the receipt for the {$1800.00} payment. However, I verbally gave them the reference number for the  XXXX   XXXX  as requested. I need to locate that receipt and I will then email that directly to the company. A bank statement has not been issued for that date, yet, but once issued I will send that as well. Hopefully this is all taken care of by then!     Attachments :   Bank statement confirmin
g  XX/XX/XXXX  check payment. Bank statement confirming both the  XX/XX/XXXX  and  XX/XX/XXXX 
  XXXX   XXXX   payments.     Receipt from  XX/XX/XXXX    XXXX   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 2020-04-12
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have talked to XXXX and XXXX, I submitted Forbearance paperwork all could be done over the phone and yet this company insistss on inundating you with mail, emails but never a solution over the phone for some reason like every other federal student loan. 

Then they blatantly XXXX  on my credit report claiming can not find me? When they just spoke with me numerous times on the phone and yet as a citizen of the United States XXXX and all credit companies can put what they want on your credit report and you have no recourse whatsoever. 

You are basically at the mercy, and held XXXX  by Credit Bureaus. 

well I'm sorry but that is going to change. 

Once the president of the United States gets wind of what a AES is doing, and the credit bureaus, they'll have to answer to him! 

I will make him very aware of what AES has been doing and how many times they have called me and how many times I have requested the same thing over and over again with XXXX  income for the past 3 years while I was a XXXX to my husband who is a XXXX XXXX recipient an XXXX  recipient. 

What's worse, is the credit bureaus just take the word of these companies in ruin people 's lives well guess what we've got president that actually is going to do something for the little guy so I have a really good feeling about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Recently Opened an credit card account with bank of America, my bank of at least XXXX years. 
The problem I am experiencing revolves around the opening of such account.Despite of been a loyal customer to bank of America. I believe I am being treated to a different standard, since the conditions set forward by bank of America for opening the account were in my opinion simply not fair. Considering the fact that I have excellent credit history and the card I was approved for was for individuals trying to establish credit. Furthermore bank of America has fail to report the account to any of the XXXX credit reporting agencies.Despite the fact that the account has been open for more than XXXX days and I have made bank of America aware of such discrepancy.Last is the fact that bank of America handles my checking account as well monthly bill pay, which would suggest that they 're well aware of the fact that I fulfill my financial responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid ditech XXXX $ To bring my account current and pay off negative escrow. I followed the instructions on contacting XXXX and he told me to first pay XXXX to bring my account current which I did. I then called back and was told if I paid XXXX that I would be current and my payments would be XXXX. I did that as well. I called for my XXXX payment and was told I have to pay XXXX and then XXXX payment would be XXXX because I am still short. I do n't understand how when I have done everything they asked me to. They are not working with me at all and keep giving me misleading information. I am now being told that the payment was not enough to cover what is owed but I have spoken to them numerous times and they paynents they told me to send is what I did. I did exactly what I was instructed to do and am still being told I am deficient.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech Mortgage filed Foreclosure on our home in Maryland. We requested a Reinstatement Quote and received the amount on a letter dated XX/XX/2016. The quote was effective until XX/XX/2016. A Cashier Check was sent in the quoted amount. Cashier Check was received in the Law Office on XX/XX/2016 then sent via overnight and received at Ditech on XX/XX/2016. It took Ditech 5 days to tender the check and now they are stating that only a portion of the funds where received. Point being, you ca n't cash only a portion of a check. It is everything or nothing. They have been incompetent thru the whole process. Now they want more money than the Restatement Quote was given to us. 

We need help to deal with these people. Even their attorney 's are very frustrated at their lack of response in this matter. We suspect they are deliberately manipulating the situation to take advantage of our misfortune. 

XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX AND EXPERIAN HAVE INFORMATION ON MY CREDIT FILE THATS IS NOT MINE/INACCURATE

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 2016-11-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Case number : XXXX. I submitted a complaint by in XXXX of this year. Since then we have been trying to do a loan Modification with Select Portfolio Services. We continue to submit documents and resubmitting. On 6 different times I have request the SPS send us the transfer of the Trust Deed for every time my loan has been sold. Twice in writing and 4 times on the phone. I have also request my complete payment history from the origination of the loan. Finally this week they sent me the payment history dating back about 3 years ( the loan was originated in 2007 with XXXX XXXX ). I have never received the Trust Deed or the complete payment history. Yesterday we were sent a notice that they were filing a notice of default and setting a sale date, and we thought we were negotiating for a loan modification. We ca n't understand how they can file a notice of default if they refuse to supply us with the required documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing to cfpb to get help with my home I have a loan with ditech since 2001 who is a predatory lender. They will not work with me on loan. The original loan was XXXX in 2001 they have my payoff as XXXX, It is a manufactured home the county only value the property at XXXX. I think the contract is invalid did not do a lot of stuff promised to us in the contract. I do not want to lose my property. My parents gave me the land that the house is on. Please help me to keep my property I have been trying to get help for years. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: KEYCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently filed a complaint regarding the actions of Key Bank and I am not satisfied with the results. Key Bank refuses to take responsibility and the actions are unlawful. See my original complaint below. I am submitting it again. 

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT A person unknown to me tried to scam me via XXXX. They texted and left voicemails stating they deposited money in my account could I send them the money back. this was Sat XX/XX/2021. I didn't respond so the messages became nasty and threatening to 'charge ' me with bank fraud. I checked my account and there was a pending deposit of {$160.00}. I use XXXX and have never had it pend ; it's an immediate deposit. I checked my account again Monday afternoon XXXX est and the deposit was still pending. I called the local XXXX XXXX location in Colorado and verified the person didn't actually send the money and could cancel the deposit at any time. He agreed this is a scam. If I sent them the money, they could cancel that deposit at any time and I would be out {$160.00}. And with XXXX there is no recourse once you click that final submit button ... which they did not. I reported the two numbers they were contacting me from with FBI, CO & TX fraud departments. I texted them and let them know I reported their scam. Later on XX/XX/XXXX, a deposit was made to my account, assuming to cover their attempted scam.. they continued to contact and threaten me. then on XX/XX/XXXX, I received a letter from Key Bank stating they returned the money to this person due to the XXXX transaction could not be completed. Not sure what that means. I called Key bank and got the runaround. I spoke to numerous people in their fraud detection and fraud reporting departments. they said it was a bank-to-bank decision. XXXX XXXX called Key Bank on behalf of this scammer, and they decided to send this person the money from my account. NO ONE contacted me. No one looked at the notes on the account regarding the scam. The last person, I spoke with, XXXX, said there was nothing she could do and that was that. She was rude and disrespectful as if I did something wrong. What they did, Key Bank was criminal... I did not authorize them to take money from my account. I know the XXXX policy at XXXX and XXXX XXXX, I downloaded and read both, they had no right to touch the money in my account. They committed a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: National Credit Adjusters, LLC
State: VA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I know I owe the account for XXXX XXXX which is a payday loan, it is now in collections which National Credit Adjusters are calling me, they are being rude, not allowing me to answer the questions that they are asking and they are talking over me, I do not want to send them anything if I am feeling intimidated, manipulated, every time I ask to speak with an individual I spoke with person they indicate he is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I reviewed my credit reports and noticed there was a collection account from Transworld Systems reporting a past due balance of {$270.00}. The original creditor was  XXXX XXXX Hospital. I called the hospital and asked if there were any unpaid bills under my name and social security number, and I was told there were none. So I sent a letter to Transworld and asked them to provide me with some kind of proof that I owed the debt that they are reporting to my credit reports. After receiving no response from them, in XXXX, I disputed the accounts with all three credit bureaus ( XXXX, XXXX, and XXXX  ). I was  informed by the credit bureaus that Transworld had validated that the accounts were reporting accurately, and that I did owe a past due amount of {$270.00}. I sent another letter to Transworld in  XX/XX/XXXX, asking that they please provide me with a copy of the statement or the bill, to show where this past due balance was coming from. Again, I received no response from the company at all. I disputed the accounts with the credit bureaus for a second time in XX/XX/XXXX, and again, Transworld has certified that the balance is reporting correctly. I have followed up with the original creditor, XXXX Hospital, several times and they are telling me that there are NO outstanding balances on file for me. I have never received a single communication from Transworld to show me this balance that they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please consider this complaint a notice of error regarding loss mitigation options. Borrower sought loss mitigation options on an FHA loan and was offered an FHA Formal Forbearance for six payments of {$2100.00} for a total of {$12000.00} in payments in order to cure her arrearage on the account. This type of offer is only supposed to be made according to mortgagee letter XXXX if XXXX % of a borrower 's *surplus* income can cure the arrearage within 6 months time. Borrower 's *gross* income was calculated and presented to US Bank as {$2100.00} on her financial worksheet. Essentially, the repayment plan ( forbearance ) that has been offered represents nearly XXXX % of her gross income, which does not comply with FHA guidelines for such plans.

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 2016-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A letter of dispute was submitted to Experian on XXXX XXXX 2016 seeking the removal of XXXX from my credit report as it was paid off. I provided A letter of dispute was submitted to Experian in XXXX, 2016 seeking the removal of XXXX from my credit report as it was paid off. I provided Experian proof and copies that the account was paid in full. XXXX sold my collections account # XXXX, to XXXX. XXXX is still showing on my credit report with Experian. Both XXXX XXXX XXXX XXXX and XXXX are attempting to collect payment on the same debt. I have provided proof on two occasions and Experian fail to remove XXXX from my credit report. As a consumer disputing information on my file and providing the proof or evidence of the said account, Experian should remove this account from my credit file.

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 2022-09-15
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
AAG continuing complaint, this company still owes us monies, AAG still owe us fees totalling, XXXX they said would be in a second check we've not received. .They are, XXXX for counciling, XXXX for closing quote fee, XXXX for repair fee for Carbon Monoxide detector. .which makes total XXXX dollars, which was supposed be sent to us XX/XX/XXXX XXXX. Response from AAG to send a second check number is, XXXX. We have on our own to contact them on numerous occasions, but to no avail..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, TRANSUNION AND XXXX HAVE INFORMATION ON MY CREDIT FILE THATS IS NOT MINE/INACCURATE

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 2016-12-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My student loans were bought from XXXX by Navient. over a month ago. During the interim, The XXXX XXXX XXXX XXXX XXXX awarded me and paid a XXXX check payable to XXXX towards my principal balance. XXXX confirmed this payment was then electronically sent to Navient on the XXXX of XXXX ember. As of yesterday, Navient claims they have not located this payment. I then put an XXXX rep on the line with a Navient rep that gave them a trace number for this payment. Navient assured me that once the payment was located, it would be retroactive to XX/XX/XXXX. I am not impressed with Navient at all so far. They would not even allow me to talk to the department that receives electronic payment. There is a 60 day cut off of these funds being null and void and I have a sick feeling Navient is going to drag out this process and I will lose the XXXX payment I earned from The XXXX XXXX XXXX XXXX XXXX. I am a XXXX and am only continuing to work XXXX I am currently in for this benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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