BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: PHH Mortgage Services Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an FHA residential loan with PHH mortgage. On mortgage website I saw they hadapplied my full payment due on XXXX XXXX 2015 of {$1000.00} on principal only, I emailedthem on XXXX XXXX, 2015 to point out what they had done and to ask them to fix theremistake. They have not fixed the mistake I emailed them again on XXXX XXXX, XXXX, XXXX, XXXX 2015, Emails were also sent XXXX XXXX, XXXX, XXXX, XXXX 2015 I have gotten no answers and theproblem is not fixed, it is only getting worse They have only responded with emailssaying I have a late charge, my account needs attention, and a generic email ofthanking me and a customer service rep will get back to me in XXXX hours. I did receive a letter via USPS from a XXXX XXXX Liaison, Office of President of PHH Mortgage saying they look forward to providing me with the highest level of service As of todaythere website states I owe a XXXX XXXX, 2015 payment of {$1000.00} and XXXX XXXX, 2015 of {$1000.00} is coming due. There is also an amount of {$500.00} in a suspense account thatI am unsure of what they are doing with money ( all taxes and insurance are up to date ) Ihave asked them to reapply all funds to bring things current and to resend aninvoice/statement showing problem has been fixed As of today XXXX XXXX. 2015 I havereceived nothing from PHH Mortgage showing problem has been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America continues to deny me the ability to open an account after I have reported fraud on an old account as well as including it in a bankruptcy because they refused to honor the identity theft police report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have discussed these accounts for more than 30 days and I do not receive answers, this is affecting my credit report and my peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I typically overpay my mortgage. I run XXXX months ahead of my payment. PHH Mprtgage has be two months ahead in XXXX 2015, then their accounting went crazy. My payment is {$1200.00} a month. They applied {$1800.00} to XXXX/XXXX/2015 payment. Then I started getting nasty letters from them saying I was overdue. I ended up paying {$5300.00} toward my XXXX/XXXX/2015 payment and {$3000.00} toward my XXXX/XXXX/2015 payment. Did a law change allowing lenders tyo change the terms of my fixed mortgage? They cant recalculate mt mortgage each time I overpay. They are essentially penalizing me for prepayment by keeping my maturity dadate fixed and making me due every month no matter how much I applied to my principal. I depend on having a cushion of a couple months for when I deploy. This is total XXXX. I have complained to you about XXXX doing the same thing. and they responded with a XXXX answer and continue to do the same thing. XXXX banking practices!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call from a " company '' claiming to collect a debt. Asked me to verify the last XXXX of my ssn. I did n't verify as I suspected it was a scam and the caller got very upset when I requested to have the information sent to me in writing. I asked the caller to state the company name several times and she did not and after I explained to her I 'm not confirming anything because " this could be a scam '', she hung up on me. Basically confirmed my suspicions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX, we ( XXXX XXXX XXXX XXXX XXXX purchased GAP Coverage from Performance Ford in XXXX, NJ for our new XX/XX/XXXX XXXX XXXX XXXX. When finance representative from Performance Ford sold us the GAP Coverage, he suggested to keep it for XXXX year and then cancel the GAP Coverage in XX/XX/XXXX. The primary reasoning for keeping the GAP Coverage for XXXX year was that the market value of our car will be closer to the loan amount after the end of first year, in which case the GAP Coverage wo n't be required. As agreed per our discussion at the time of car purchase, in XXXX, we called Performance Ford to cancel the GAP Coverage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Cadence Bank
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I requested Bancorp South close my checking account and was specific that if there was an early closure fee, to notify me first before closing it. After several communications with them prior to this request, not once was an " official check fee '' mentioned. I would have transferred the funds to XXXX before closing had there been a fee, and I specifically requested to be notified in the event there were fees to close. I want my {$6.00} refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: Eltman Law, P.C.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Back in XXXX of 2007 my bank account was levied. At first I thought it was because of my child support that was just put into arrears. I filed a motion to have it vacated because the arrears were being paid out of my pay check. When I received all the proper information it was for this debt that I do n't not owe. Now I 'm receiving threatening letters from collectors attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My father purchased a XXXX XXXX XXXX Pickup from XXXX XXXX XXXX in XXXX, TX on XXXX/XXXX/XXXX. My father was XXXX XXXX XXXX at the time he purchased the pickup. He traded in a XXXX XXXX XXXX pickup. Apparently, my late father did not attempt to negotiate with the dealer and paid full price. They gave him less than half of what XXXX XXXX XXXX says was the trade in for the XXXX XXXX pickup. Additionally, they sold him extras that were included in the financing. My father passed away on XXXX XXXX, XXXX so he had the truck less than one year before he died and he died owing Ford Motor Credit approximately {$32000.00}. My dad was making truck payments of {$690.00} per month which my sister and I do not intend to pay. Ford Motor Credit has not been at all cooperative. I took the truck to a local Ford dealer for an appraisal and they gave us an appraisal of {$25000.00} so there is a shortfall of approximately {$7500.00} between what the estimated value is and what he owed when he passed away. Ford Motor Credit insists that they want the full amount of {$32000.00} in spite of the appraisal of {$25000.00}. My fathers estate will take in the range of XXXX or three years to close. Ford Motor Credit called our probate attorney and said they would pick it up and take it to auction. Our concern is that they may sell it at auction for far less than the {$250000.00} then come back and expect us to pay the difference in three years when the estate closes. We offered to try to sell it for what it is worth and give them that amount with the expectation they would write off the rest. I feel this would be more than fair because I believe both XXXX XXXX XXXX and Ford Motor Credit may be guilty of something like elder abuse. They took advantage of an XXXX XXXX XXXX man whose health was failing. No, he would not have admitted that his health was failing and he was still handling his affairs. However, his mental capacity was diminished. Otherwise, he would not have paid full price for the truck and taken such a small trade in on his XXXX truck. I will also be writing letters of complaint to XXXX, my XXXX and the State of Texas. Ford Motor Credit has been pushy, unhelpful and uncooperative. They are treating us the same as they would someone who had taken out a loan and was n't making payments. In fact, even someone who no longer had the ability to make payments due life circumstances should be treated better. They should be working with us, not telling us what they want and what they will do whether we like it or not. Feel free to share this complaint with Ford Motor Credit and again, this complaint will not be my only effort to reconcile our grievances with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Trident Asset Management, L.L.C.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/2013 my ex husband took out a XXXX bill under my name without my knowledge. I had no knowledge of this account, and it eventually got transferred to a bill collector, also known as Trident Asset Management. 

I contacted Trident Asset Management last Monday - XX/XX/XXXX and requested a document stating my account on file had been closed out, as we are current going through Escrow, and my underwriter needed physical documentation to forgive the debt. 

I was told that a letter would be sent out, but never received one. So today, XX/XX/XXXX, I called back and spoke to a representative named XXXX, who eventually transferred me to the manager, named XXXX. She told me that they are n't contracted with Nevada, and refuse to give me any type of documentation, whether email or mail. 

She said the account had been closed on XX/XX/XXXX, but they will not send me anything stating so. I feel I should get something considering it 's my account and I requested it. So not only did they lie to me about sending out a letter and my waiting for it, but they have refused to help me with every phone call I 've ever made to them about receiving a letter. 

We are unable to get a house without this letter, so this is the only company who is holding us back, even though I explained this to them, everyone either brushes me off, lies or tells me I am not allowed to receive anything, just because I live in Nevada.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Blue Brick Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I responded to a solicitation for a home refinance Blue Brick Financial sent me to me in the mail. The representative I spoke with did not make it clear that I was at risk of having to pay for the home appraisal fee if they did not go through with the loan which they now say they can not provide. The representative did not preform any due diligence on his part to research my home 's value to access beforehand if the loan to value was out of range. Also, the representative also stated several times this was a " no fee '' loan and Blue Brick Financial would refund or credit back the appraisal fee in the closing process. They never made aware that I have to pay if they do n't complete the loan process. They also charged my credit card with out my prior authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-17
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I keep getting tire email promotions from Ebay decided to apply for one last evening. When I tried to make the purchase only option I had was to use Paypal. My experience with Paypal is a nightmare since it waste customers valuable time and paypal customer support is extremely poor. As I expected I spent about half hours to make the purchase online and my payment keeps getting rejected and prompting me to call paypal customer support. When I call customer support I had to go through multiple security screening questions with first rep and to my dismay he said he had to transfer me over to another Dept since he ca n't help. Second rep told me I had to add my credit card to make this purchase happen eventhoug I have added XXXX Bank accounts and have made purchases from paypal in the past. After adding my credit card to my dismay second rep told me that I had to go through security screening again. After going though security screening again rep told me that he needs to bring someone else to make this happen and brought third rep on to the phone and he could n't help either. I ca n't make the purchase via paypal. I got extremely frustrated since I was asked to call Vendor to make the purchase since I spend almost 2 hours on the phone and I asked for supervisor. I spoke to supervisor call XXXX and he told me Paypal is doing all the right things and never apologized for wasting my time for 2 hours. This supervisor told me this problem would n't happen again. I called tire vendor and unfortunately he ca n't offer me promotion since promotion is valid only with Paypal and I am back to square one. 
I tried to make purchase again this morning and story is the same eventhough Paypal supervisor promised that it would n't happen again. I kindly request that Paypal approve my transaction right away and offer me {$150.00} credit for all the hassle I had to go through to make this purchase. 

Error : Unfortunately, your payment was declined You can select or add another payment method within PayPal and try again If you get this message more than once, please contact PayPal customer support for further assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Paypal credit services and XXXX XXXX have done XXXX ( XXXX ) hard inquiries on my credit reports that I did not authorize. I have written letters to both companies and contacted both via mail and fax. Neither one will remove my hard credit inquiries even though I never applied for credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found inquiries that dont belong to me

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 2016-12-14
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
This concerns PayPal. I ordered a 1 year subscription to XXXX magazine {$64.00}. After waiting almost 3 months and not receiving a singe issue, I contacted PayPal to initiate a dispute. They sent me an email that the matter was resolved with the seller. I contacted PayPal that this is an error and that I had not received the magazine. They got back to me within a day telling me I had canceled the dispute and that there was nothing they could do? 
HELP! This is a SCAM! XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-19
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
my car that i purchased off the showroom floor in XX/XX/XXXX went to chevy heaven in XX/XX/XXXX.in those years there were many life incidents that occured where i went from a XXXX score.I needed a car for this new job, and acted hastily on because of my poor credit.well, the job was too far away and with living expenses and car payment, this new venture was not worth it.i contacted the " credit acceptance '' corporation many times for help.i begged them to lower my car payment and offered a XXXX payment for car. they were rude and just kept telling me " your loan is what it is ''. i have paid off XXXX vehicles in my years!! i came into financial hardship and this company would NOT help me.now i have a judgement!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: TOWNE MORTGAGE COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage on our home which has been sold multiple times to different lenders. Because the property in question is a condo, it requires hazard insurance. I provided proof of insurance to the company through the US mail, as well as through their web portal -- I even requested an acknowledgement that it had been received. The company did not acknowledge receipt of proof of insurance. I received a letter today stating they were purchasing insurance for the property, and that I would be responsible to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Google Compare Credit Cards Inc.
State: CT
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I filed a dispute for non-receipt of product/service for a purchase made today, XX/XX/XXXX, in the amount of XXXX. The transaction ID is XXXX, email is XXXXXXXXXXXX. This appears to be some sort of scam as the person ( s ) who received the funds do not reply to direct messages via XXXX and or email, a video was ordered and not received. The person ( s ) no longer reply to direct messages as well as emails, they were reported to XXXX as spam/scammer. I advised Google Wallet, the service used to send the funds and dispute was filed. However, due to past experience with this company, Google Wallet, they do little if anything to resolve disputes. I previously filed a debit card dispute for a deposit in the amount of XXXX left with a XXXX dealership and had to go to merchant directly, filed several complaints, before merchant agreed to refund. Google Wallet did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received phone calls from I.C. System. I explained to them plenty of times that they have the wrong person. They asked me to verify my personal information which I responded with a " NO ''. I also said unless they tell me the nature of the debt I will not disclose any personal information. Now I see I.C. System on my credit report with a address I never lived at my entire life. Which is XXXX XXXX XXXX XXXX, XXXX, Ny. I never lived there in my life. I want this debt and address removed from my credit report immediately.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX XXXXccount Number : XXXX Update to paid as aggree 8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX XXXX  NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX MO XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.

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