BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my uncle and i just refinance our home select portfolio has frauded against us by not applying correct payments to mortgage account and escrow.now we have new mortgage company just bought our account from select portfolio servicing.our payments each month were not applied to mortgage loan properly by select.now select has threatned me not refund escrow account then select added extra fees to payoff account that origanaly at XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars.select added extra fee to pay off at XXXX XXXX XXXX dollars  we been making payments each month to select their payoff were at XXXX XXXX XXXX XXXX XXXX dollars.now select has mail letters to my uncle and i stating payments are recieve before XXXX XXXX of each month late fees are waived now since new company XXXX XXXX  has payed select XXXX XXXX XXXX XXXX and select agreed refund escrow account we also made payments each month to select now since new lender paid select.they threatned me by phone of no escrow refund and extra fees.in the payoff select frauded extra fees from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX i want your agency investigate select bad faith practices of hidden extra fees outstanding intrest and priciple higher rates and select violated fix rate terms the loan were under and now doesnt want agree on XXXX XXXX XXXX XXXX escrow refund which were in the payoff agreement select offer to do select has history of fraudulant practices towards their customers and complaints history of the same issue i am experiencing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX BB & T ran a hard inquiry on me when I was trying to open an business checking account under my XXXX XXXX and I gave them my tax id number. Now I have a hard inquiry on 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
Consumer complaint received 2022-10-25
Company: OneMain Finance Corporation
State: OH
Product: Credit reporting, credit repair services, 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:
Delete this unconfirm inquiry lacking certifiable evidence unless physical certified verified proof is demonstrated per U.S code XXXX U.S.C $ XXXX SEQ. Section 604 of fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased XXXX XXXX, the vehicle was financed though XXXX who I feel took advantage of me with my financing the interest was compounded daily interest. XXXX added to my contract and additional {$3400.00} with out giving explanation for charge. Shortly after it was added they removed the {$3400.00} after I inquired regarding the charge. My contract was transferred to Santander {$3400.00} was added back to my contract and the due date for my payment was changed with out explanation. There is a Federal Consent Order in place from the XXXX. for the unethical practices of Santander. Please investigate Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Taylor Morrison XXXX XXXX XXXX Called Taylor Morrison XXXX to drop my private mortgage insurance ( PMI ) - offered info for improvements they declined and said they would review and notify me in 2 weeks didn't get any info XXXX called back and they told me they needed money XXXX {$150.00} paid they took from my checking- I offered improvement info and they declined it and they said they would contact me by XXXX didn't hear back XXXX called back to follow up and they said they needed 2 more weeks XXXX called back and they said they mailed my money back cuz they didn't get my improvement list- I checked my mail box and no money or letter so called back they took out {$150.00} and gave me an email address to send my improvement list asked me to call back XXXX to verify receipt XXXX called back and they said they received and said they needed to review and to call back XXXX XXXX called and they said to call back on XXXX for status XXXX called and they said it was ordered and to call back XXXX XXXX called and they said it was not ordered and they needed a check for the appraisal XXXX called and they said they didn't need a check and ( XXXX XXXX initials she said ) ordered the appraisal XXXX called back to confirm it was ordered and they said due XXXX but I could call for a status on XXXX XXXX rec 'd letter transferring my servicing XXXX and can no longer assist as of Friday XXXX so I called and spoke to a manager XXXX and she told me to call back tomorrow for a status update. I requested a person 's name and extension and **** I have paid PMI for 2 months ( XXXX ) and going on 3 months ( XXXX ) which should not be necessary since I know the value of my home is more than what is needed to drop the PMI. I got an appraisal for a HELOC in about 3 weeks time with an appraisal and the value was $ XXXX over what I need to drop the PMI. Every Taylor Morrison XXXX employee said I need to let the process work itself out and they can not rush anything. They just say the same thing over and over and then to call back. I am concerned I am going to have to start this process ALL over at the new servicer Monday XX/XX/XXXX and pay another 2 months of mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Paypal Holdings, Inc
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
paypal ram roddded my XXXX account incurring XXXX fees repeatedly, then refuses to pay the merchant so assigned the draft for. XXXX should have closed the account, but paypal is at fault here.XXXX has attempted to settle my accounts as an act of good will.When I tell them ( paypal ) to reverse the transaction, they refuse ( nothing but lip service and no way to document a conversation ), my XXXX account gets locked as a side result kiling my internet phone service. THEN, they continue to not only show a negative paypal merchant balance, but proceed WITHOUT AUTHORITY to suck monies from a recently added ( for merchant purchases ) bank account to pay off a credit line held by XXXX bank, not paypal ( drafted my bank account ). They refuse to allow me to delete any other account, despite no longer owning them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: M&T BANK CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
This Company was told to cease and desist as a third party collector with no contract to enforce collection of a debt and do not have a bilateral or unilateral contract with the company who contracted them. Lawyers and Attorneys do not have a license to practice law as a BAR Card is only a members card and not licenses. Notice of dispute and a qualified written request has been sent to the company. A power of Attorney has revoked any previous power of attorney and no company has power of attorney for this Estate. Under 12 USC 83 banks can not credit any money from their stock and I believe the note was deposited was cashed and no credit, value of gold or silver has not been given by either company. A request for a Securitization Analysis Report by the Consumer Financial Protection Bureau is requested on this account. All responses are to be by Affidavit of Truth only as letters can be filled with lies. Proof of power of attorney is requested as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Paypal submitted a credit check on myself, without permission after I had made a purchase. There was more than enough money in the account. No need to charge anything to credit, nor apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was told on XX/XX/2020 by my Mortgage company, Selene Finance, that I was approved for a 3 month forbearance and a 6 month repayment plan that would be $ XXXX/month for 6 months. I got a call this morning from Selene Fianance about my XXXX payment and I explained to the Rep that I was on a forbearance and repayment plan. The Rep stated that she didn't see a forbearance on my account and the only thing that she could do is send me a package to see what they can do. So I called back and spoke with 2 reps ( 1 being the original rep that stated that I was approved ), they both told me the same thing again this morning, XX/XX/2020 that my Forbearance was approved by underwriting but it wasn't put in the system. The original Rep assured me that there was nothing that I needed to do and stated that she would email her supervisor, who was unavailable, to have her give me a call. I didn't hear back, so I called back in. I spoke with a Supervisor and the Rep that called me this morning and they stated that my forbearance was not approved and the Manager stated she had a long conversation with the rep that gave me the incorrect information and she would check with the lender to see if they will honor this request. I am filing a complaint because the Reps at Selene Finance are giving out incorrect information and jeopardizing the lives of people who are already suffering during COVID. This is unacceptable and I need for this issue to be resolved immediately. I am ready to hire an attorney and proceed with a law suite against Selene Finance. I have voice recordings of each and every call and my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: AMERICAN HONDA FINANCE CORP
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Ca n't pay late fee so they want repossession of the car and i told them i can cancel my gap and pay it but that 's not good enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Due to Covid19 shut down I am collecting unemployment. In California all EDD monies are received via a XXXX  XXXX XXXX debit card. To pay Capitol One auto loan using funds provided via Calif EDD I must pay an additional fee of {$7.00} to an outside service to process my payment. Capitol One has refused to allow me to add this debit card to my account on their online payment system. I am not aposed to reimbursing CAPITOL one any fee charged by XXXX  XXXX XXXX but feel the current process and its restrictions on payment methods is unfairly costing the unemployed high fees to use the government provided source of funds provided by the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Last night I went in XXXX XXXX XXXX in XXXX XXXX on XXXX XXXX Someone stole my phone and was able to access to my wallet and stole my money ( he XXXX himself 2000 $ ) and is using my cards to make purchases also. 
I need help ASAP I am not able to access any of my cards and accounts to block them

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 2016-02-19
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off a small XXXX mortgage with US Bank on XXXX XXXX, XXXX. I started calling two weeks later asking about the release of lien. I 've been given the run around since. They made excuses about delays because of the holidays. Then they admitted that they had n't filed the paperwork and would do so immediately. This was in XX/XX/XXXX. I followed up in XX/XX/XXXX. At this time, they used the holidays again as an excuse for the delay. Then they said that they had filed the paperwork with my local county clerk. I called the clerk and they had never received any paperwork. Back to the bank. Then the bank said that they could n't resend the paperwork and if it got lost in the mail or lost at the clerk 's office it was n't there fault and there was nothing they could do. They refused to email or fax the paperwork. This was coming from a mortgage supervisor. When I asked for her name, she hung up on me. I then reached out to an upper management officer, in a different department, and she tried to help and gave me another phone number to contact. More time passed. She got a number for me and when I called they admitted that the paperwork had never been filed but would n't tell me why. They promised to overnight it. This was on XXXX/XXXX/XXXX. They did not overnight it. I kept contacting the clerks office, nothing. I contacted a lawyer on XXXX/XXXX/XXXX and he was going to write a letter to the bank. I confirmed one last time with the clerks office and they had received the paperwork on XX/XX/XXXX and they had processed the release. As of XXXX/XXXX/XXXX, I still have n't received any paperwork showing that the lien has been released. I 'm trying to sell my home and buy another. When my credit was ran on XXXX/XXXX/XXXX, the mortgage balance was still there, even though US Bank has had my money since the beginning of XXXX, XXXX. Even without releasing the lien, they had their money and should have reported it to the credit bureaus. On the same day I paid off US Bank, I paid off a loan at XXXX XXXX XXXX XXXX XXXX, which is now under XXXX XXXX XXXX. When my credit was ran on XXXX/XXXX/XXXX, guess what, that loan is showing on my credit too. All of a sudden, I have too much debt and guess who has a higher interest rate on their new loan. I 'm totally frustrated. I 've been lied to, hung up on, treated with total disrespect and I 'm still paying for their inability to properly do their jobs by having a higher interest rate on my new loan. US Bank even had the nerve to offer to help with a new loan. Do n't think so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS ACCOUNT WAS OPENED FRAUDULENTLY. I NEVER RECEIVED ANY FUNDS SENT TO MY ACCOUNT. THIS ACCOUNT IS UNDER LITIGATION. THE ACCOUNT WAS OPENED WITH UNKNOWN EMAIL ANDUNKNOWN BANKING INFORMATION. THIS ACCOUNT DOES NOT BELONG TO ME. I DID APPLY FOR ALOAN THROUGH THIS CREDITOR SEVERAL MONTHS BEFORE THIS ONE WAS OPENED FRAUDULENTLY. THAT ACCOUNT WAS PAID IN FULL AND CLOSED IN GOOD STANDING. I BELIEVE THAT MY INFORMATION WAS LEAKED AND EXPOSED BY THE COMPANY. I REQUEST THAT THIS ACCOUNT BE COMPLETELY REMOVED FROM ALL CREDITOR REPORTS AND 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
Consumer complaint received 2019-12-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i called today and was put on hold endlessly as i did yesterday in the last week i charged XXXX dollars or so XXXX XXXX i was overcharged. they were supposed to adjust price and did not please dispute XXXX  dollars which represents how i was overcharged wrong prices they are not following policy i am a good customer and cant wait on hold forever i should get soemthing for my time. i told reps i could not hold thanks. 
They are with heavy accents hard to understand did not understand me please dispute XXXX dollars from XXXX XXXX charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2020-08-05
Company: Experian Information Solutions 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 information incorrect

Complaint:
Hi I have an charge off account from XXXX XXXX XXXX  reporting on my Experian and XXXX  reports. The charge-off is reporting as 29 charge-offs on The Experian Credit Report and does not report the same on XXXX Credit Report. 
Charge off means the company deemedmy alleged debt as uncollectable and written it off their taxes. It should not be reporting as a charges off 29 times because the only written off the debt once. 

Experian reports also state that I have made 100 % payments on time and is not reporting the same on XXXX. 

For the XXXX  Credit report it stated that the payment history is unknown. 

I talked to a rep from both companies ( XXXX XXXX XXXX and Experian ) both are pointing the finger at the other for this misinformation. 

Please delete this from my account due to information being reported incorrectly.

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 2023-03-15
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was cancelled by my auto insurance company, XXXX XXXX due to claims. My daughter had a wreck and they cancelled my policy and renewed her policy due to my guaranteed endorsement was on her policy. I have been fighting with XXXX XXXX because I have had them since I was XXXX because they shouldn't have cancelled me. I realized they use Lexis Nexus so I ordered my report. I received a letter in the mail with a pin code. I now know why I have been turned down from credit from XXXX a while back and others. They are reporting my bankruptcy and other debts that I'm not aware of. I tried to save my report to a file and it would not save it. I went back and tried to print it at work and it won't allow me to print it and I have to request another pin. That should not be correct. How do they get away with reporting my information to creditors and insurance companies and I'm not allowed to print out a copy of my report? I am so upset. I tried to call the XXXX number but it refers me to order another report which takes 7-10 days to get. Please assist me in getting my report as soon as possible. This has caused me to get turned down.Also, claims on the clue report that they publish are actually tows for cars that I had towed because they broke down and XXXX XXXX is counting them as claims and has caused me to be rated higher on insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account withoutmy written instructions

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 2017-09-09
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to Equifax 's website, http : //www.equifaxsecurity2017.com/, my confidential credit information was stolen in the recent security breach. I am extremely disappointed with the way Equifax handled my information, which has put me at risk of credit fraud. I am also sorry to say that I was not even alerted to this security breach by Equifax, and had to discover it for myself on social media.

Company response to consumer: Closed with explanation