BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-04
Company: PHH Mortgage Services Corporation
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Lost my job in XX/XX/XXXX. I 've been trying to get my payments back on track since XX/XX/XXXX. I 've had 3 monthly payments returned to me. I applied for a loan modification and was denied. I appealed the decision for a loan modification and during the appeal and decision time was able to come up with the total amount due. I was given a due date to appeal by XXXX XXXX 2015, I sent a check to mortgage company for total amount due to bring my account current. I called mortgage company on XX/XX/XXXX to see if my check for total amount due had been received to find out my appeal had been denied and my mortgage was submitted to foreclosure on XXXX XXXX 2015 without written notification, or the chance to bring account current. I have been trying repeatedly to work with PHH Mortgage to get my account current. Seems as though they want me to lose my home. Very disappointed, and aggravated at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: ALLY FINANCIAL INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am currently trying to work with Ally Bank to have my credit fixed. They reported my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments as 30 days late on my credit report. My payment of XXXX is due on the XXXX of every month. My XX/XX/XXXX payment of {$330.00} setup to withdrawal XX/XX/XXXX cleared my account on XX/XX/XXXX, XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX and my XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX. I have since made my XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX. 

I called and disputed the XX/XX/XXXX and XX/XX/XXXX payments on XX/XX/XXXX and they have been corrected. Ally Bank then reported my XX/XX/XXXX payment as 30 days late on my credit report. I called and disputed that on XX/XX/XXXX, when I called to dispute I requested for the correction to be escalated because this is the second month in a row that the late payments have held me back from getting a mortgage. On XX/XX/XXXX I was told that they will escalate and to call back in a week. I called back on XX/XX/XXXX I was told that this was not escalated, but it will be and to call back in a couple days.. When I called back today ( XX/XX/XXXX ) I was told that there is no way to escalate this and I have to wait 45 days. 

Since the bank can not seem to report the payments correctly to the Credit Bureaus I can not get the mortgage I need. With this complaint, I am hoping to get my payments reported correctly and ensure my XXXX payment is not reported as late. 

The attachment has commentary for each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Phoenix Financial Services LLC
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:
I wanted to show new incorrect debt collection agency information about me they put on all 3 credit bureaus. XXXX for {$640.00} says new account opened XX/XX/2020. XXXX XXXX XXXX for {$530.00} says new account opened XX/XX/2020. Phnx Finac for {$65.00}. says new account says I opened XX/XX/XXXX, XXXX. Because these companies are saying these accounts are new and just defaulted it has made my score plummet in a downward low so. I am unable to get a loan or any kind of assistance.I have worked very hard for several years to pay my bills on time and these bad collection agencies are lying about the recent dates of not paying. These accounts are all very old and should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: GA
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:
Ive reached out to request that the inquiries that I am unaware of listed in the attachment for the dates that follow. ive reached out and requested that My report relefcts the correct information to reflect accurately. In accordance with the Fair Credit Reporting 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 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions XX/XX/2022 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX of inquiry XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2022 XX/XX/2XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Date XXXX XXXX XX/XX/2022

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 2016-03-18
Company: Paypal Holdings, Inc
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/XXXX I made first contact with PayPay Credit in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX for collections and they could provide no further info and that I 'd have to contact them ( XXXX ). I then made contact with XXXX the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for XXXX. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from XXXX verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB XXXX XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized PayPal credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either PayPal Credit ( XXXX Bank ) nor XXXX in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, XXXX appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with PayPal Credit following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the XXXX website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX Code XXXX - Unfair practices, Sections, XXXX & XXXX ). Again I will reiterate, I have not received any communication from XXXX let alone PayPal Credit in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I questioned this debt when I saw it on my credit reports. IC System sent me the attached letter saying they have n't had sufficient time to investigate. As it has been over 30 days since I questioned the credit bureaus, this is an illegal response

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 2020-09-27
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I've had both my XXXX and PayPal accounts for over 10 years. I sold 2 items on XXXX  which were both successful, no issues with either buyer. This was my first time selling anything on XXXX. I received confirmation that the funds were received from the buyers on XXXX and XXXX. My email address ( XXXX ) which was used in the XXXX transaction wasn't associated with my PayPal account. I figured this out through conversations with XXXX  when I wasn't seeing the funds in my PayPal account ( XXXX ). XXXX was very helpful and I have no complaint with them. I followed the steps to add that email address to my PayPal account and was able to see the transactions and pending funds. The funds were still on hold so I waited. On XXXX I received an email from PayPal indicating that I can no longer do business with PayPal and that the funds in my account would be held for 180 days. On XXXX I called PayPal to get more information but through the automated process the response what that my account was limited and they weren't able to help me over the phone. My only option was to reach out through the message center, so I did that same day. I asked for an explanation for why my account was limited. I received a response on XXXX that said " due to the excessive risk involved, we would like to begin parting ways ... ''. This doesn't provide any details as to why this decision was made. I would just like to know what flagged my account as risky so I can clarify anything that occured because nothing about my activity is risky.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Wallet stolen and accounts were open with my identity.

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 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX of XX/XX/2021 i called XXXX customer service to dispute a charge {$14.00} for XXXX XXXX membership the person on the line claimed to be from the company XXXX ID # XXXX told him i didn't have XXXX  and he told me to going into my account and said my account was hack said he will return the money ask me to go to app store. Which i did and some how he able to take over my cellphone and get into my bank account he did XXXX transaction in XXXX in the amount of XXXX XXXX XXXX dollar and XXXX in the amount of XXXX XXXX a total XXXX dollars i report it to the bank same day it was done by XXXX XXXX that i never used and the bank did not let me know about this action .The bank i use is capital one As soon as i realized i was begin hacked he hanged up i have been trying to get back my money and all the bank want to give me back is XXXX XXXX XXXX .The bank should have seen that i never have ever done this before and reached out to me and let me know about all the activity on my account so i am asking that you please help me to resolve this problem.to have my funds return to my account. 

Thanking you in advance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Both XXXX and Equifax will not update late payments on a transfered mortgage loan account I had with XXXX XXXX XXXX. I sent a letter to the CEO of XXXX XXXX XXXX asking for late payment forgiveness because late payments were affecting my credit ability. The CEO of XXXX XXXX XXXX agreed to remove all late payments and I was sent a letter. I sent the letter to XXXX, Equifax and XXXX. XXXX has updated my account and removed all late payments. XXXX and Equifax has not. I started a dispute with both and XXXX made no changes. Equifax has not updated in over a month, so I am not able to see what has happened with them. I want this account updated to reflect no late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: AES/PHEAA
State: CA
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:
Report phishing Recently, my email account and personal information were stolen. I am reporting it now, but the amount of damage is too large.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: GA
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 act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 2015-07-23
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to apply to get my mortgage loan modified for over a year. Every time they want more and more paperwork and allow existing paperwork to expire. I do not feel that they are attempting to work with me to keep my house. I have become XXXX and I am trying to get my loan to a payment I can afford but it feels like the company is fighting against me putting road blocks up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Caine & Weiner has place a derogatory remark on my credit report. They are collecting for : XXXX. I have no knowledge of this account and was never notified by mail or otherwise regarding this alleged account. I was never given the opportunity to either dispute or request validation of this debt, pursuant to the Fair Credit Reporting Act the Fair Credit Billing Act and the Fair Debt Collections Practices Act. Which is my legal right as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Paypal Holdings, Inc
State: TN
Product: Credit card
Issue: Late fee

Complaint:
Apparently Paypal issued me a credit card at some point ... I honestly have no idea if I applied for it or not. In XXXX I made a transaction for the amount of XXXX via Paypal as I always do and expected the money to be withdrawn from my bank account as it always for over 10 years. For reasons beyond my understanding this particular transaction went on the credit account unbeknownst to me. Late fees and charges totaling over {$60.00} were assessed in XXXX and XXXX of 2016. Paypal was sending me emails but since I had never used Paypal Credit before I had no whitelisted that email address and those were going into my Spam folder so I never saw any of them. Today I got a call finally from them and had no idea what the lady was talking about. She said I had to pay the full amount, which I did, but I argued I had never received actual notification and that a letter or a call earlier would have avoided me having been assessed the late fees. I feel like the delay in contacting me served only to benefit Paypal and I think their policy and procedure regarding cases like this should be changed as it is predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am cosigner for my mother 's Navient private school loans. My mother has been trying to work with Navient to pay her loans in a way she can afford, but they only want to work with me at this point because they know I have a decent income and they say I am " equally responsible ''. I have been talking with Navient for about 10 months now and have not been able to work out our issues. I am hoping you will be able to help me. 

My major issue is that Navient has my name on XXXX separate private loans that they claim I cosigned for, yet XXXX of the promissory notes does not have my signature on it ( loan is for {$7000.00}, but final charge was {$7200.00} as seen in the paperwork ). The other XXXX loans DO have my signature and I understand that I am responsible for them, but I will not agree to pay on the {$7000.00} loan until they provide me copies of documents that I actually signed. Navient assures me that they have a signed document on file, however they have sent us XXXX copies of the " master promissory notes '' ( XXXX to myself and XXXX to my mother ) and there is no signature on that document in each packet. I keep calling back and requesting to speak to the department that sends out the documents, but am told that department does answer phones or speak to customers. Seems strange!! 

I am willing to work out a settlement with Navient and they have agreed to a 65 % settlement of the XXXX loans combined, but I do not want to agree to that until I am positive that I truly signed the promissory note for the {$7000.00}. I am really looking to get my name released from the {$7000.00} loan that I never actually agreed to and will make a settlement on the remaining debt. I have only attached the unsigned promissory note, but can certainly provide you with all XXXX of the promissory notes they have sent me if you should need them. 

I do not seem to be getting anywhere with Navient at this point and am requesting your assistance in this matter. I am a responsible person, am well educate, have paid back all of my own school loans in entirety and I am willing to pay back a reasonable settlement on behalf of my mother. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Mercedes Benz Financial Services
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mercedes Benz Financial Services called 3 times on a Public Holiday - XXXX XXXX XXXX XXXX. I complained after the first call but received XXXX more. This is not only calling at an unusual time they knew, or should have known, was inconvenient but it is also harassment. " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' is against the FDCPA practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My payment was approximately XXXX days past due. Navient called me XXXX times on XXXX/XXXX/15 and another XXXX times on XXXX/XXXX/15, starting at XXXX XXXX. The collectors were rude and sarcastic, and I requested no further calls, but they kept calling. I also promised to pay in the next few days, and they still kept calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: CIG FINANCIAL LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has refused to acknowledge the deceptive practices used to get consumer in unconscionable contracts. Consumer has tried disputes, Validation, and even CFPB, all of which has not changed the fact that they continue to violate this consumer. The Tax is now being assessed. Copies of 1099 sent to both company and IRS. Now to litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Wallet was stolen and my id and ss card was in it. And accounts were fraudulently open as I have attached the FTC letter and my id

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