BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-08
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Original HELOC with XXXX since XXXX, Filed Bankruptcy XX/XX/XXXX, XXXX " charged-off '' loan XXXX/XXXX/XXXX adding charge-off fees, added " unexplained interest ' ( $ XXXX ) held loan through the duration of the Bankruptcy applied all payments to principal - ( Internal decision, given charge-off, as per BK Specialist ). XXXX XXXX sold/transferred loan to SLS ( Specialized Loan Servicing ) who confirmed balance, XXXX % going forward, statements confirmed balance, XXXX %. Wrote XXXX/SLS ( certified return receipt from both ) XXXX, XXXX, regarding explanation of unexplained fees, interest, etc., XXXX has not responded, received call from BK Specialist saying they no longer held the loan, could not/would not answer any questions, reconfirming balance and 0 % " going forward ''. SLS acknowledged our written concerns and would contact within 30 days ... never did. As of XXXX, XXXX SLS has reversed Trustee payments ( $ XXXX+ ) to interest, showing " past due '' as of XX/XX/XXXX with $ XXXX+ due immediately. Not one agent is able to explain why, evading, will look into it, will escalate etc., We not only do not have answers to our initial concerns, we now have unexplained ( $ XXXX+ ) past due amount that SLS agents can not explain. 
Numerous calls have all been futile, have filed complaint with Dept. Insurance and Financial Services, 1st request went unanswered, 2nd answered, can not comment on past servicers ' transactions. States account is past due XXXX XXXX, cites Trustee as to how payments were applied. 
Have spoken to BK Attorney - Loan should not have been Charged-off, fees, interest, etc,, with an active BK - could be re-opened by Judge. 
Spoke to Trustee, Trustee pays the claims submitted, does not designate how a claim is paid. 
SLS will not answer our concerns, on countless repeated demands, phone calls, complaints. Has frivolously reversed Trustee payments applied to principal as stated on previous statements, now appear as interest, on statements, cites past due as of XX/XX/XXXX, we were in an active CHXXXX Bankruptcy, ( XX/XX/XXXX-XX/XX/XXXX ) which they acknowledge. 
Complaints are not adequately answered, as per Dept. Insurance and Financial Services

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 2022-10-01
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I received fund through paypal. But paypal decided to permanently disable my paypal account with no refund, withdraw or send option, they have forcefully trapped my money for 180 days in their website without my consent, note that i verified my paypal account with XXXX  and as well uploaded all my legal documents to their website. This is illegal! 
I need either to refund or withdraw the my cash. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: BANCO POPULAR DE PUERTO RICO
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX Financial Abuse from Checking, Savings and CD, Manipulation of funds, disregard for Customer complaints policies and procedures. See attached

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 2015-08-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a new complaint related to my original XXXX on XXXX/XXXX/15 - Case number : XXXX. Per the attached letter dated XXXX/XXXX/15, SLS claimed that they submitted a manual update to the credit bureau reporting agencies. My mortgage is still not showing on my credit reports ( specifically XXXX and XXXX ). I understand that it can XXXX days for the credit bureaus to update my credit report. It has now been almost XXXX days since they claimed they first reported it, and nearly XXXX months since my mortgage began with them. This is unethical and unacceptable, and is causing me unnecessary XXXX. I have talked to numerous professionals in the mortgage industry who said they have never heard of such actions, and that this borders on being both illegal and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: PLAZA HOME MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted an appeal for a repayment Plan to my Mortgage servicer, Plaza Home Mortgage, the bank XXXX. The appeal was because we added income. We are now being told we do not qualify and we can not understand why. We were advised to submit all income in the home for my spouse and myself. We understood that all income would be considered. Originally, I applied with my income only and now we are adding my wife and we do not QUALIFY. How could that be???? 
1.The assumption is that I MAY HAVE NOT QUALIFY in the first place in XXXX 2014 and therefore I am thinking this was predatory lending Plaza Home Mortgage. Which they have been cited for in the past as well XXXX. 
2. Our PMI is at 1.72 % of the loan which does contain {$20000.00} of construction, it is a XXXX streamline loan, so the base loan is XXXX. If I am correct it should be on the base of XXXX and not the XXXX ( which includes the construction loan ). 
3. The rate for the PMI should have been between 1.30 % and 1.55 % for 2014 which is when the loam closed. We are at XXXX of the full loan. 
4. We are advised that a company called XXXX XXXX XXXX XXXX, would see us face to face because Plaza did not desire to foreclose on us but we never met with the company and after calling Plaza a few time I was never given a number for them, I was told I had to wait for them to come to me. We then received a letter that we were assigned to a law foreclosure group, that was notorious for robo signing of foreclosure mortgages in Florida. 
4. I was laughed at by Plaza Rep when I advised them we are working overtime and such because we wanted to save our home, " how long are you going to keep that up for '' ( if the conversation was recorded by the company feel free to look into it XXXX by XXXX XXXX. I guess XXXX people should give up and not own property because we lack work ethic is what I gathered from XXXX XXXX, which is why moving forward in XXXX with the additional appeals I felt we would be denied regardless of what we submitted, and here we are now5. The calculations on the property taxes for the 2014 year was suppose to be XXXX divided by XXXX equal XXXX but the XXXX reflects XXXX per month. The new taxes hopefully will be roughly XXXX which would lower our responsibility. 
6. This is a FHA loan, we re paying a premium to insure that the bank suffers no loss if we default. WE in turn get nothing, why would they keep returning our payments, not sending out the representative they promised to help us and kick us out. WE want our home and we are communicating. 
I have ask for a XXXX mortgage forensic audit on this account and will seek legal avenues if we are not accommodated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
i have no idea why this XXXX is on my credit report or who it 's from

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 2015-10-21
Company: Ocwen Financial Corporation
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Ocwen, for over a year, stated that I was not eligible for a loan modification because my property " is being marketed for sale '' after foreclosure. This was false. In Hawaii, the Court must approve any sale, and this has not happened, although a Summary Judgment was granted. When Ocwen reversed this statement, I applied for modification, for the fifth time. As of XXXX XXXX, 2015, I had complied with all conditions. ( see attached ) Then, Ocwen demanded a final condition on XXXX XXXX, 2015 : a deed from a co-borrower. I complied. ( see attached ) No modification has been received. In fact, we have yet to be denied. We have satisfied all conditions. We have been deemed eligible. Ocwen now says we must resubmit. Several of the letters received were given only after our attorney called Ocwen to ask for them. Then, they were dated a month before, yet never sent to us. Ocwen 's attorney now wants to confirm the sale of our home, because we are not " under review. '' We are getting the runaround all over again. And we have back-dated letters, claimed to have been sent to us when they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Gold Star Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am unable to make my payment until the middle of next month. When XXXX called me she said that I needed to pay now and that waiting until next month was unacceptable. We lost connection and she called me back and left a voicemail stating that we need to handle this like adults! Really, I called and tried to make arrangements as an adult to get an extension and this lady wants to tell me how to adult! In my opinion XXXX is very unprofessional and needs to have some training done on how to react to customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Northstar Location Services, LLC
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company has been harassing me with letters for about XXXX months, I have been requesting information and they have been slow in giving me the improper information. I have sent a letter in response to their claim on XXXX, XXXX. and XXXX. The alleged debt is from XXXX XXXX, 2015 and the New Jersey Statute of Limitation is XXXX XXXX XXXX XXXX years. XXXX XXXXXXXX XXXX. XXXX XXXX ) I asked them to remove this claim from their system and send a letter of conformation that you are not pursuing this invalid claim any further. But they still harass.

Company response to consumer: Closed
Consumer complaint received 2017-01-29
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to document a formal complaint against SLS and XXXX mortgage servicing companies. 

Recently, SLS ( Specialized Loan Servicing Company, www.sls.net ) purchased my mortgage from my previous lender, XXXX ( XXXX ). The transfer process has been very frustrating ; consumers should not be collateral damage in the loan transfer process, particularly given the fact that consumers do not consent to the buying and selling of their mortgages. This has created an incredible amount of work for me and wasted a lot of time, and this clearly has been the case for others too, as evidenced by SLS ' reviews and XXXX online. 

On XX/XX/XXXX, payment from SLS to XXXX went through for the remaining principle ( based on a XX/XX/XXXX calculation ) for my mortgage ; however, on XX/XX/XXXX, XXXX also auto-drafted the monthly payment from my checking account. XXXX does not have record of this on my online profile and they have not forwarded this payment to SLS as both companies have said they would through the transfer process. 

XXXX now has sent my to a debt collector for failure to pay my XXXX payment and plans to auto-draft double my monthly payment from my checking account on XX/XX/XXXX. 

This is unacceptable, and has to stop. Consumers rights need to be protected during the home buying and selling process and the onus of record keeping should not fall to the consumer, the innocent bystander in this process. 

To make matters worse, neither LoanCare nor SLS offers customer support on the weekends. I work a very busy job with long hours and am not available to troubleshoot and clean up the mess that SLS has created during the weekdays.

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 2017-02-28
Company: SANTANDER BANCORP
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I make a deposit of XXXX dollar in a ATH machine in the outside of my bank local, and they never credit it to my account. I submit a claim to them and suggest them to check the video camera. Then they send mi a letter where they said that the video show the envelope was empty which is completely false. I check the video with them and it is clear that I put the money in the envelope. I never put back the money outside the envelope. They reject to give me a copy of the video which it is clear they are hiding something, After I ask them for the transaction journal and the show me a list of transaction that show I cancel the transaction which I suspect is an altered list for three reason. First I never cancel any thing during my transaction, the machine give a confirmation number in the screen. Second The machine do not allow cancel once the money is inside and it is contradictory with the version of them of finding an empty envelope inside. Third if there were a cancelation of my transaction they would said me that in the letter since they said that they check the ATH transaction also. They stole me a {$200.00} dollar and them betray me with a very respectfully letter suggesting I am doing some trick which I found very offensive. I have direct deposit in this bank, XXXX account including my house mortgage and I have been client of them for 15 years.

Company response to consumer: Closed
Consumer complaint received 2015-04-06
Company: Monterey Financial Services LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a stereo from XXXX XXXX back in XXXX 2014. I paid for the stereo in full. A month ago a collection company contacts me stating I owe {$3000.00}? I do not owe this company any more money. This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SLS sent a notice of default to me, on my loan, prior to 120 days of delinquency in violation of XXXX. The letter was sent to me certified on XXXX/XXXX/2015, which was only XXXX days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: PREFERRED CREDIT INC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Lost job and are not able to make a payment. Payment is only 3 weeks late and have received up to XXXX phone calls per day asking to make a payment and telling me they are turning me over to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, various online accounts of mine were compromised by hacker ( s ) including Amazon.com, Amazon Store Card ( Synchrony Bank Credit Card ), PayPal.com, XXXX XXXX Checking Account, XXXX XXXX Account and XXXX XXXX Credit Card. 

All accounts save for the XXXX Credit Card Account were resolved successfully and fully to my satisfaction. XXXX 's Fraud " Detection '' Department however refuses to acknowledge my fraud claim. 

Synchrony Bank provides Amazon.com customers with a Credit Line ( Card Account ) which is directly linked to Amazon.com. On the dates listed above, unknown hacker ( s ) connected to my Amazon.com account and by siphoning approximately XXXX or XXXX transactions of approximately {$100.00} dollars from the Synchrony Account into Amazon.com Gift Cards ( electronic gift cards ), they were able to make fraudulent purchases with the Amazon.com Gift Card balances. This happened on two occasions on XX/XX/XXXX and XX/XX/XXXX. 

Amazon.com 's fraud system fully detected this fraudulent activity and quickly removed the orders from my account, however the fraudulent charges were already made to my Credit Card Account. I have tried to contact Synchrony Bank but they fail to understand how the fraudulent purchases were made and refuse to provide monetary compensation in the form of removing the fraudulent charges from my credit card. This impacts my credit score significantly and I can not and will not pay off a balance on fraudulent charges totalling in approximately {$650.00} dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made some purchases in this application called coinbase there were XXXX purchases of XXXX XXXX dollars total XXXX XXXX dollars I made the first purchase on XX/XX/2022 I made the second purchase on XX/XX/2022 I made the third purchase on XX/XX/2022 and the last purchase was made on XX/XX/2022 after making these purchases they do not want to let me withdraw my money from the wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX lists both Northeast Credit and Collect ( NCC ) and Commonwealth Financial Systems ( CFS ) as holders of an alleged collection account. XXXX still shows NCC as holder. ( see attached ). I have requested, in writing, verification of debt and have not received my dated signature for this debt. I have received a BLANK form letter for collection which is not verifiable validation of the debt, see attached. This alleged debt is dated for origination in XXXX of 2009. Per statutes, such debts, alleged or otherwise, are no longer collectable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Allied Collection Services, Inc. (Nevada)
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We previously had services with XXXX and we were told after we terminated services with them that we still owed {$330.00} for services that had accured after we paid our last bill. These charges were claimed by XXXX after we terminated services, paid our final bill and returned all XXXX equipment. The account number is XXXX. We strongly disagree with what XXXX is trying to do and feel it is unfair. We can not pay this bill due to insurmountable curcustances, and the fact that this bill was presented by error. However, we agreed to pay them anyway as soon as we got our refund gift visa card from XXXX between the end of XXXX to the end of XXXX. They keep harrassing us for the past several weeks with daily phone calls by demanding full payment immediately. We have explained our circumstances to them 2-3 times, yet they keep calling XXXX+ times a day. The number of the collection company, ACSI XXXX collections, is : XXXX. Please stop these harrassing calls!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: FIRST ADVANTAGE CORPORATION
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
First Advantage is reporting incorrect data. They provided my would be employer, XXXX medical, with incorrect data that has caused me to receive possible adverse action on my employment application. 

The record is about me, but was later removed from public records ( for example, the case was dismissed after probation, expunged, sealed or made nonpublic or I received a pardon ). 

Letter from XXXX : Date : XX/XX/XXXX, 2017 Dear Associate : The Company intends to take an adverse action on your employment status based on information obtained in whole or in part from a Consumer Report. However, the Company 's intent to do so is only preliminary and no final decision has been made yet. 

Enclosed is a copy of the Consumer Report and a copy of your rights under the Federal Fair Credit Reporting Act and relevant state laws. 

The Company obtained the Consumer Report from First Advantage. First Advantage did not make any decision to take the tentative adverse action and is unable to provide you with specific reasons as to why the Company may choose to take an adverse employment action. You may, upon providing proper identification, request a free copy of the Consumer Report and may dispute with Vendor Name the accuracy or completeness of any information in a Consumer Report. Their contact information is First Advantage XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX We will evaluate the information in your report on an individualized case-by-case basis in accordance with the law. You have seven ( 7 ) calendar days to contact First Advantage at the telephone number shown above to provide evidence of the inaccuracy of the information provided. If you believe that there is information that may help to better evaluate your fitness for this position, please contact us immediately. If we do not hear from you within 7 calendar days, we will make our determination based on the information currently available to us. 

Sincerely, XXXX Representative Enclosures : Background Report Attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX, as Trustee ( successor to XXXX XXXX ) failed to abide by Consent Judgment entered in XXXX. XXXX. See attached Complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation