BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I would like to file a complaint about my current FHA approve lender, planet home lending,. AT THE BEGINING, I contacted planet home lending regarding this issue and they agreed it was wrong and stated that this is not something they do and they were going to look in to it and will resolve the issue, they have not get back to me and this is the only issue preventing me from closing my loan with XXXX XXXX funding. 
This is what happened, I initiated a refinance loan with Planet Home lending. iT WAS SUPPOSED TO BE AT THE BEGINNING AN STREAM LINE 30 YEAR NO PAPERWORK XXXX. they got back to me and said it was not possiblebecause interest rates were change. then they call me and said that a 15 year streamline was possible at XXXX no paperwork streamline.they repeated, They offered a stream line re-finance, they said there was no docs required, then they came back and and stated that I should take other programs like a XXXX loan at XXXX. Why would I do that if I have a XXXX loan at XXXX. They continue to call me to offer the multiple and the same deal. they call me to solicit my loan multiple times. they providedme documentation that I am attaching of a 15 year stream line. Later they said that they were iss informed that a 15 year streamline was not ever possible. The they offered other deals. At this point, I became worried about the way they did business and decided to contact a company that made me more comfortable. I called XXXX XXXX funding. Plane Home lending continues to call, I stated I already contacted a new loan company. I believe Planet home lending wrote derogatory remarks at the XXXX portal for the purpose of me having to call them and go with their offer or another of their offers. I called ultiple times and recorded most of the conversation over the phone. Every time theyover the period of 14 days they said that someone will call me back with in 30 min, that the manger was on a meeting, that the manger had left home and today after 14 days they sent me a letter form their attorney that they did not wrong and they declimke my loan because of execive delinquencies and insuficient income. wich is alie and they do this to cover their mistake/The only holding my loan is the derogatory marks Planet Home Lending placed at the XXXX portal. I would like to file a complaint of Crest line funding fraudulent loan practices.

Company response to consumer: Closed
Consumer complaint received 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My captial one credit card is saying it's late and it is not. I have automatic payments coming out of nay account every month for {$35.00}. Disputed it multiple times and it won't let me upload proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: VA
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:
I am a student whose loans have always been in deferment. My loans are stating that they were 90 and 120 days past due in XXXX and XXXX of 2015. This is not possible because I have always filled out forms in a timely manner to make the schools aware of my full time student status. Navient also did not make me aware of other programs I could have used such as financial hardship to defer my loans. I was never sent a bill notifying me these loans were past due. I do n't think my credit report should be affected because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Good day! 
XX/XX/XXXX/XX/XX/XXXX, I called Barclays Aviator Card to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for 6 consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XX/XX/XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.

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 2022-04-16
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Greetings, I have a barclay credit card and this is the second time I paid my credit card, the payment cleared my bank, but Barclay held my payment and did not clear it from their system. The first time, I made a payment last month and although the amount cleared my bank, they refused to clear it from their system until 20 days later! I told the representative that that was extortion. The representative requested to verify with my bank, I called my bank and they confirmed the transaction happened days prior. Today, I checked my account and realized the payment cleared my bank again yesterday, but on barclay they still withheld the payment from clearing my debt! I paid the amount of {$1700.00} and went on my app and still showed the amount has not cleared my account. I took the liberty of exposing photographs of the transaction in my bank app and the barclay app for evidence. I warned them that if it happened again, that I would report them! Please help me! Every customer should not be treated like this

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 2022-04-16
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:
I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts

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 2020-06-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XX/XX/2019 XXXX Paypal account of 10 years got restricted, preventing us from receiving money or transferring money out of the account. We received a document request and we responded to all quickly with the requested information with no further responses from PayPal. After numerous calls to customer service, I was told the restrictions will be lifted within 180 days. I never happened regardless of our efforts. 

We have called customer service several times who are unhelpful and say there is nothing they can do other than file a ticket with their " back office '' but never provide contact information for someone who we can speak to directly to resolve this problem. 
And lately, we can not even speak with someone on the phone or get an email response. 

We feel like we are being **bleep** around with here and at this point, Paypal has wasted several dozen hours and thousands of dollars in losses for our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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:
I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I reviewed my credit report and have found negative items that have not been verified or validated. This is against the law for unverified and unvalidated information to be furnished. Please see attachment for full details.

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 2022-04-16
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, was notified by Shellpoint interior inspection cancelled. I was told by the inspector on XXXX. I had notified my grandchild tested positive for Covid and I also told my XXXX. I said they could come on XX/XX/XXXX. I guess I'm at fault who knows. 

Also told my XXXX about XXXX from my state has sent over to Shellpoint that I was eligible. Still no response on that subject. 

Now I don't know where I stand on the modification. 

So I get responses when I send a complaint to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I sent a check for {$1300.00} to pay off the balance on my discovercard. AFTER I verified that it was paid in full XXXX days after the check was cashed, I notified my bill pay service ( XXXX ) to pay the entire balance monthly in the future. For reasons I do not understand another check was sent for the same amount. This is what the bill payment company was advised was the balance. I called discovercard and was told that it would be XXXX weeks before they could return the minus balance to me. I am a widow on a fixed income and that would be hard for me, which I explained. The rep said she would send a request for a review for a lower interest rate which I did Not ask for. I suggested that I get a cash advance and deposit it in my checking account. She said that was a good idea but they would charge XXXX % ( about {$70.00} ) to retrieve my own money, I was not asking for a credit advance from them. I felt that I had no choice but to do this. I have had an account with them since XX/XX/1987. If I was asking for an advance of their money I would gladly pay.. but this was a minus balance that they never should have taken from my checking account. Then I received a rude letter declining to lower my interest rate for bogus reasons, ( remember I did not ask for this ) and they had made an inquiry without my permission which I think effects my credit. My communications have been curt as though I never should have expected a timely refund of my own funds. I am closing my account with them, they do not care. I have a {$10000.00}. limit with them which indicates they thought I was credit worthy. I expect nothing but wish to " tell someone '' and you are it! XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: FL
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 ACCOUNT NO. 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 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15 U.S.C. 166B A CREITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Chime Financial Inc
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
Okay Id like to give you a little more information on the day of XX/XX/2021 my phone and wallet with my cards and ID was stolen out of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OH XXXX United States that had my pin code to my card in my phone notes and it was used at a place called XXXX XXXX for the amount of {$3400.00} I talked to the security team at the mall and they notified me that they did all they could do and they couldnt file a report because they stole it off camera among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: WA
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 XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 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 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 2022-04-16
Company: KEYCORP
State: ME
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:
I received a debit card from key bank for a fraudulent account opened with my ss number The bank knows about the identity fraud. Said it would be closed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been a BP Visa credit card holder since XX/XX/XXXX. This card was a fixed rate, 8.49 % card on all purchases. Around the credit bubble in XX/XX/XXXX-XX/XX/XXXX, I received a notice from BP that gave me XXXX options : 1 ) maintain the low interest rate but now have a minimum payment equal to 5 % of the balance ; or, 2 ) continue with the 2 % of the balance as a minimum, but the interest rate would be variable - and at that time around 14.9 %. I opted for the former, even though at times that made my minimum around {$1300.00} per month. That was not a concern for me as I preferred having all that additional money applied to the principal. And, if you reviewed my history, I have never had a late payment in these past 21 years, even when that monthly payment was at or greater that $ XXXX/month. In XX/XX/XXXX, Synchrony Bank assumed ownership of my account. And, although I am sure I was provided with a communication, it was likely hidden or concealed in a way that I overlooked a drastic and insulting increase. Although all past purchases stayed at the agreed upon rate, all new purchases were 26.99 %! This, despite any delinquencies on my part and with me having no choice in the change in bank from the one I signed on with and whom provided me with a fixed interest percentage to the one now ( Synchrony Bank ) that is obviously taking advantage of some loophole to take advantage of an unknowing and unwitting customer. I have estimated the money lost which is actually a guess of what the increased interest has caused in the form of lesser amounts amounts to principal. Of course, with an ongoing balance this amount will accrue at an astronomical rate compared to my 8.49 % rate that I signed up for and have had in place since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Person called me from Universal Recovery XXXX on behalf of XXXX. The bill was {$92.00}. They want me to pay $ XXXXwhich I know I have to pay. I wrote a check and it bounced. When the guy called, he said his name is XXXX he was very rude and abusive verbally. I tried to explain what happened but he was loud and told me that " I should n't have wrote a check anyway and this is what I get '' I told him to never call me again. I called a couple of weeks later to try to pay the bill and a lady answered the phone. I told her what happened during the last call, she said " he should have spoken to me that way. She said that she was going to report me to the credit bureau tonight! Of course I got upset too but I was n't at work. The name of this business is Universal Recovery. I fully intended to pay this bill, as a matter of fact I called to pay it but this is the second time that I have not been able to because of the aggressive behavior on both their part. This company should not represent anyone. They did send me three letters but I was trying to explain that my son was XXXX and noting else was on my mind at the time. I pay my bills and still fully intend to pay this one but I need advise on another way to pay XXXX because I ca n't talk to these people again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greentree Servicing out of XXXX with the phone number of XXXX has repeatedly called a XXXX XXXX Account XXXX after being told ( XXXX ) that the number was a business line XXXX XXXX XXXX the person they were looking for was not associated with the number nor were they associated with people they were getting into contact with ( XXXX ) to not call the number again. The caller is rude and has been hung up on at least XXXX times. The number has been blocked and as soon as XXXX number is blocked another number calls. She 's a XXXX woman who talks over the person who answers the phone. She does n't state who she is with or what the call is regarding. These people need to be stopped. They ca n't harass someone who is n't involved with the debt. They also call the place of business to which this person works. This person IS NOT ASSOCIATED WITH THE DEBT BEING OWED -- she is not on the account and has nothing to do with the account. They were given this persons number by an x wife and lied and said that they were given the number by the person. The number has only been registered to the business about 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: Capio Partners, LLC
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed this a few months back wrote directly to XXXX XXXX and requested verifacation of such said services as I know I walked out of the emergency room never seen doctor XXXX XXXX has assigned this so called sevice numerous time to dept collectors XXXX has also harassed cals repeatdly I have ask them also to verify debt documentation or anything baring my signature showing I read understood or anything that requires medical services signature I have never seen or recieved a medical privacy act copy or even signed one stating I received services this is the first process vital signs etc to wait to be admitted I have informed XXXX of billing tech and errors how the handled it unknown

Company response to consumer: Closed with non-monetary relief