BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a payment of {$1500.00} on my VENMO account. I initiated a transfer of those funds to an account I use to have at XXXX XXXXXXXX XXXX I had not transferred money to that account in a while and immediately realized after I had requested the transfer that my account at XXXX XXXXXXXX XXXX ( now XXXXXXXX XXXX ) had been closed. There is no option to cancel a transfer on the VENMO app. When I went to the pending transactions portal there is an option to request a cancelation. I proceeded by pressing the option link and was prompted to a series of questions, including whether the transfer had been initiated within the hour and I responded YES. I was then sent to a live chat. When I requested a cancellation of the transfer because I mistakenly sent it to a closed account, I was informed that nothing could be done. There was no explanation as to why a transfer that had been initiated only minutes earlier could not be cancelled. Now I may be without access to my money for several weeks until this matter is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Third party Calling me at work when I did not give them my work number because I can not receive calls at work

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, Im having issues with FedLoan and XXXX. My loans are paid in full and I made payments from XX/XX/XXXX- XX/XX/XXXX, Im eligible for a refund under CARES Act. I requested a refund on XX/XX/XXXX with FedLoan. I followed up in XXXX and same story, its processing and can take anywhere from 2 weeks to 2 months. Sometime in XXXX I found out my loans were transferred to XXXX. FedLoan resubmitted refund request. Its now XXXX and XXXX has yet to receive my account info from FedLoan. This is very frustrating. Loan providers go to the extreme when requesting payment, but when it comes to a refund, they find every excuse on why its taking so long. Please handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My lender PennyMac is not allowing us a short sell after we have submitted a completed package. 
At one point, we did have a loan modification but our financial situation changed and we could no longer keep that obligation. Needless to say, we have been behind on our mortgage payments and were recently informed of a foreclosure on our property. On the same day we were informed of the foreclosure, we contacted PennyMac to see if we could, again, qualify for a modification. However, we were infirmed we did n't, even though my husband recently graduated college, & is working full time as I am. After being declined for a modification, we suggested a short sale in lieu of a foreclosure, and were told that that would probably not happen because we had about 30 days before the scheduled foreclosure. We asked to give it a try as we believe a short sale is more advantageous to both parties. After speaking to several representatives at different times and days, we were finally told we could try, and to fax an authorization have our realtor have direct contact with them. Our realtor contacted them, completed ( with us ) the short sell package and forwarded it to PennyMac ASAP. 
We have been informed, as of today, that they could n't grant the short sell, although an offer was attached. 
We believe that a true and honest effort has not been done by our lender, but rather disregarded the fact that we are asking for an optional solution that can work for both parties. It seems to us as though this has fallen in deaf ears and we need your help to advocate or guide us with this situation. 
We understand if they say we ca n't afford this loan anymore, but we are not asking asking for something impossible, but rather an attainable and fair solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was communication with PennyMac for a short sale status, they never approved me for the short sale and were taking forever giving me information regarding postpone the sale. I called and was desperate for all options so I asked for a Payoff quote and then when I called the next day to ask about the short sale request they told me that because I asked for a payoff quote they took me out of review for the short sale and said they were proceeding with the sale on XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I borrowed money from XXXX XXXX to attend college and for about 6 months I 've been trying to have my payment lowered since neither my co-signer or I can afford them. They offered me XXXX paths : to lower my interest rate or extend the loan life. They said I would have a hard time qualifying for either since my loan was unfer 30,000 and under 9 years long. The first time I called in, they said since my account was current, they could n't do it until I had a payment due. Then I called back in the next month and they had raised my interest rate! If I did lower my interest rate, it would just take me bqack down to my original payments, which I could n't afford! So they got all of my information, income records from both myself and cosigner, and they tried to lower my interest rate AND extend the life of my loan, but said I had to wait to see if I was approved but they needed to set up automatic payments in case I was. Then my cosigner called in and they said they had enrolled me but I had missed a payment. I had set up automatic payments and they NEVER debited my account. 

They are a bunch of liars who NEVER follow through and when they see that you are trying to pursue lowering your payment, they hike your interest rate up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Midwest Recovery Systems
State: SD
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 checked my cred it report and it now shows a debt from a collection company I have no knowledge of this debt that is in the amount of {$350.00}. The original creditor was XXXX and it is indicating that the the debt was made in XX/XX/2015???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In according with the federal credit reporting act, this crederel has violated my rights under 15usc 2681 section 602 states I have the right to privacy. 15usc 1681 section 604A section 2 also states that consumers reporting agencies can not furnished an account without my written instructions. Under 15usc 1666B, a credetal may not treat a payment on a credit card account under and open and consumers credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: ECMC GROUP, INC.
State: CT
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:
My problem is with a company called ECMC ( Education Credit Management Corporation ) their address is XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX. Their phone number is ( XXXX ) XXXX. This company is harassing me they sent my past employer a wage garnishment on XX/XX/XXXX trying to garnish {$6000.00} of federal student loans without a court order and also sent me a statement on XXXX XXXX stating I owe two student federal loans from service lender provider XXXX XXXX XXXX in the amounts of {$3300.00} and {$3000.00}. Ive contacted XXXX on XX/XX/XXXX they said these loans were cancelled and show a XXXX balance. I also requested a statement from XXXX to prove that these loans were cancelled and I do not owe this debt.I contacted Dept of Education several times from XXXX, XXXX and XXXX and explained the story to them which they did not help me at all but they are aware of the situation. ECMC is ILLEGALLY reporting these balances to the XXXX credit agency even after I disputed these transactions twice which I have proof as I kept the dispute reports. At this point this company is taking old student loans that were cancelled or paid off and trying to extort money from people. I've done research on my own and they have been sued several times and there are several complaints filed, websites are XXXX and XXXX. These loans are currently with XXXX XXXX XXXX which I called them today XXXX XXXX explaining everything. At this point I'm not sure what I can do but action needs to be taken. I have a whole file of paperwork from ECMC and XXXX to prove my case. This is a CRIME that needs to be handled innocent people are getting ripped off and the government is doing nothing about.

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 2017-04-29
Company: Experian Information Solutions Inc.
State: DC
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:
On  XXXX   XXXX   2017 , I mailed a certified dispute letter to Experian asking for verification of the accounts stating I owe on my credit report. I have not received any information as of Today  XXXX   XXXX  on the status of the reinvestigation. These reports are negatively effecting my account and it 's my right to request the credit bureaus submit verification of a debt said owed. If the credit bureaus can not verify a debt it is to be removed from the 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 2022-11-03
Company: T.S. Holdings
State: IL
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021 {$2600.00} original {$2800.00} balance... I have sent them two rounds of letters asking for them to provide the original contract with my signature or delete the info. They have not provided to correct documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've closed a loan through a re-finance and I am owed balance from an escrow account for taxes that was paid by the new bank -- called PennyMac -- they have told me that they paid the outstanding taxes due to the XXXX however the new bank has reported they have paid the outstanding taxes at closing. the loan was re-financed on XXXX/XXXX/2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
On XXXX XXXX, I went to studentloans.gov to consolidate my loan. XXXX XXXX has already submitted the XXXX to XXXX and that loan has been consolidated. However, ACS Education is refusing to provide the XXXX ; therefore delaying the consolidation. It is supposed to take 30 days, and it has been way longer than that. This consolidation is necessary as it affects my debt to income ratio for qualifying for a mortgage. I am unable to get approved for a mortgage until they do. Is there anything that you can do to help me expedite this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was on a trial payment for my mortgage with Select Portfolio Servicing ( SPS ) with a payment that consumed over 70 % of my income. I made the payments under durress and borrowed funds. Although it was known I was unable to make the trial payments, I did and then received an offer of an even higher payment for a balloon loan. REALLY? 
If the mortgage holder, SPS, was aware that the payments were unreasonable for me, why would there be an increase and an offer for a balloon payment? I complained that the payments were too high, based on my income, but there was nothing done to establish a payment that was reasonable and affordable. I have lived there for over 20 years, although I now owe more than I did originally and no one can explain why this is. I love the location and have done all I can to hold on to this property. Therefore, I have since moved out and am currently looking for a tenant who can pay the mortgage that I am unable to pay. I will not accept a balloon payment or a higher payment. This is utterly ridiculous. 
ALSO, I just checked my credit score and the biggest blemish I have is from SPS for late payments. I was unemployed, received assistance from Illinois XXXX XXXX, unemployed again and then began working part-time. I made all efforts to pay, even borrowing money I have since been unable to pay back. Now my credit is ruined and I will never be able to buy another piece of property. 

SPS does nothing to work with those in need, ruins credit, offers payment plans that are disadvantageous to consumers and establishes situations that only force owners into forclosure. Consumer BEWARE. I sincerely hope you will look into their lending practices and how they pray on those with hardships.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my statement dated XX/XX/21 and my payment was XXXX higher than any other month. Nothing has changed about my mortgage. I called customer service and have been hung up on several times and been on the phone for over 5 hours with bank of America and placed on hold, no one can explain to me why my payment is higher.

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 2015-06-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
Chase Bank has refused to accept my payment for my credit card. It is due on XXXX/XXXX/2015 and I tried for three days to pay it. I attempted this via phone and online and was refused. Also, a rude branch representative named XXXX refused my payment and told me to " deal with bill collectors ''. 

I did more than enough to try and pay my bill in full. Chase is circumventing my efforts and is orchestrating this situation so that I incur finance charges. They are making me miss my payment due date, which will harm my pristine credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Again, after making a payment to Navient, my balance increased. This has happened several times, but this time I took screen shots of the page. On XXXX/XXXX/2016, prior to making a payment of {$300.00}, my balance was {$34.00}, XXXX and today ( XXXX/XXXX/2016 ) after posting my payment of {$300.00}, my balance is {$34.00}, XXXX. Previously, when I have contacted customer service at Navient about this, I did not have the screen shots to prove my balance increased and now I do. Kindly advise me on what to do about this as it appears to be an ongoing issue that may have been costing me money I do not owe. I am happy to provide the screenshots as well. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I went online to XXXX on XX/XX/2016 and purchased a TV sound bar bundle. Confirmation number XXXX. The order went through ; however, Bank of America denied the charge, then accepted the charge. Since they initially declined the charge, the order with XXXX was cancelled. When I found out, I called back to XXXX who said the item is now out of stock and the offer is no longer available. I had to purchase this item elsewhere and the total loss is {$220.00}. XXXX has advised the person of wrong doing is Bank of America for cancelling denying the initial transaction. I would like to be made whole and Bank of America has declined a valid charge. Loss : difference in pricing {$50.00}, XXXX Cash {$150.00} ( for making purchase ), XXXX rewards {$50.00}.

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 2016-09-08
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had several Wells Fargo accounts over the years. They have charged me thousands of dollars in late fees and various other charges.

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 2016-11-24
Company: Profit Services Group
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have made numerous attempts requesting the validation of the debt. I have requested in writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.

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
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2016-03-23
Company: AR Resources, 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 wrote a letter to the debt collector AR Resources , Inc. requesting information on the debt they say I owe. I received a letter from them and attached was a generic invoice indicating I owe {$630.00}. It was not from the Hospital and they did not answer any of the questions I asked.

Company response to consumer: Closed with explanation