BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-23
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage modification in XXXX XXXX with SLS, provided every required document, replied to every letter requesting additional supporting documents. Soon it will be XXXX months since I originally applied, I have called over XXXX times for an update and every time I call the XXXX XXXX says " application not complete '' I then opt to speak to a representative. I wait on hold every time I call at least XXXX minutes, speak to a customer service rep, they verify, that in fact, the most recent request for additional supporting documents has been received and tell me " the application is complete '' ; I wait and call again the following week to learn that another document that was previously submitted has now expired because the underwriter had not made a decision in the amount of time provided and as a consequence the document is no longer valid. The most recent delay was because the underwriter wanted to know why my mailing address was a XXXX XXXX XXXX of the property address ; this is when I realized that they do not have any intention of assisting me in this loan modification and that they are simply wasting time to then request the same documents all over again. I provided a letter of explanation and it was received. I called again last week and there was a question regarding my tax return, I answered the question and the representative on a recorded line again stated that the underwriter was satisfied. Today, however, I called again and today 's response was " we need another letter of explanation because the original letter is more than 90 days old ''. This sequence of events has reoccurred over and over again leading me to believe that they maliciously make it so time consuming and tedious that most people simply give up and default on they 're loan. Please note that I have never been late or defaulted on my loan in the past.

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 2021-06-16
Company: FinCo Services Inc DBA Current
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 i recieved a large deposit from XXXX for my backdated unemployment funds. It was an {$11000.00} deposit into My Current Online Checking account app, XXXX XXXX, and I, XXXX XXXX, withdrew {$2000.00} of My money and my account was frozen and under review the next time I tried to use my Current Debit card. I provided Current bank with all necessary items needed to verify my identity because it was a pretty large deposit and i understand looking into it but they never gave me access to my funds again even after i provided correct documents. They, Current Bank App then stated only in the email that they returned my remaining funds, {$9400.00} to XXXX but will not, even after numerous attempts over the last 7 months, will not give me a confirmation number or any details at all of how, when, where or what they really sent My, XXXX XXXX XXXX 's money. They will not answer any of my questions and this cabnot be legal. XXXX says they can not locate my money thatCurrent supposedly sent back to them. I've contacted anyone and everyone that i could think of in these last 7 months that could possibly help me and they just tell me to contact this place or that place and haven't been able to get anywhere. Please help me get my money from those crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America have repeatedly denied my dispute claims without justification and violating my consumer protection rights. Had invalid charges by XXXX during COVID and my account was only remedied 1 for reoccurring transaction. I explained to BofA that during COVID could not get to a XXXX representative and I was billed for charges without my consent. 

Most recently, I submitted claims for hair products and showed bank representative that I did not get the products and account had fraudulent charges. The company even showed that they did not send the products and I was still charged. 

The Fraud Claims department did not due their due diligence and I went in to a Branch in XXXX, NC and the banker did little to nothing to resolve my claim. 

This is ridiculous and I want a thorough review of my account by a qualified person as I feel my consumer rights are being violated and UDAAP concerns are apparent.

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 monetary relief
Consumer complaint received 2017-11-07
Company: Paypal Holdings, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the past few months, XXXX XXXX has sent me letters telling me to pay them {$220.00}  because they 're claiming PayPal can not sue me for debt. I have asked PayPal for proof that I have any outstanding debt with them and they have stated no. I called XXXX and the moment I said I had called PayPal for proof they hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Please accept my apologies for my persistence. However, I received my statement and there are questions that remain unsolved. 

As of XXXX XXXX my installment of {$1300.00} is due. 

Also, the XXXX mortgage has not been paid as I have not received the requested form signed by you for Mortgage Assistance. I sent it to you and the Mortgage verification form was confirmed as received. The XXXX mortgage will get paid as soon as I receive the requested form. 

Since my mortgage was never re-affirmed, my understanding is that my current due balance is {$2700.00} for both XXXX and XXXX. Yet, the XX/XX/XXXX statement says the amount due is- {$2800.00}. 

Why am I being charged {$51.00} extra without a clear explanation on the XX/XX/XXXX statement? 
My past unpaid payment is listed as : {$1400.00}. 

If this {$51.00} happens to be one of the several legal fees that you are requiring for me to pay, shouldn't that fee be listed separately and not disguised in my past unpaid payment? 

Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: SHABANA MOTORS
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have notified XXXX as well as Shabana Motors to inform them that neither of them entered a notice of dispute for this account when it was disputed in XX/XX/2021, XX/XX/2021 and XX/XX/2021. I informed them they were in violation and yet the account continues to report while they are both in violation of the FCRA. Each time I pulled a new report the I have proof the notice was never entered by either the original creditor or XXXX. They simply have refused to comply and I have not gotten anywhere with either company. it is repetitive disputes to no avail with them simply not being compliant!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2019 XXXX XXXX XX/XX/XXXX apparently sold my account to CitizensOne Home Loans. I was not given forwarning of this transaction. I was notified after the " sale '' had been completed. I " attempted '' to make my regularly scheduled payment. Apparently the payment was not processed properly. Almost immediately I began to receive written and phone notifications that I was delinquent on my account. I made several attempts to make phone contact with CitizensOne only to be placed.on automated holdnfor up to 30 minutes before terminated each call. 

I made attempts to make payment through the web application portal the company claims to provide only to be notified that while I am in default or delinquent I may not use this portal. This to me is refusal of payment. During a phone call that was actually answered I was informed I had to give financial information over the phone in order to clear up the issue. This is not only an unsafe practice but no reputable company makes this demand. On XX/XX/2019 I was able to make contact by phone. I spoke with a company employee named XXXX. XXXX advised that I could ignore the written threats of foreclosure I had received as they were not serious in nature. I advised XXXX that I take the written threats seriously and was actively seeking legal counsel. I advised XXXX that I would be more than willing to make larger monthly payments until this issue could be rectified. This proposal was rejected. I was advised to make a payment of the alleged arrears in full. Again I was advised that I needed to do so by giving financial information over the phone. XXXX advised that the issue of the unprocessed payment in XXXX was not something that could be rectified other than for me to make the account current by payment in full. I made the regularity scheduled XXXX payment by cashier 's check mailed to the processing center via the payment stub provided by CitizensOne.  XXXX advised that this was a bad idea. 

On XX/XX/2019 I made a payment to bring the account into " Compliance '' through the web application portal. On XX/XX/XXXX I received a packet in the mail with information for debtors in default. I also recieved another letter advising I am in default and threatening foreclosure. 

I find the actions of CitizensOne questionable at best and suspect that one or more of their business practices could constitute fraud. I would request this agency to begin an audit into the business practices of CitizensOne Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a young kid with a whole life ahead of me and I can not do anything in my life currently because of the effects of this negative account reporting to my credit. I have reached out to all bureaus in regards to this single account that is effecting me and causing me stress. There has been no help or validation of the account from any XXXX of them. The account that is not validated and totally violating any sort of compliance in regards to credit reporting is, Account name : XXXX XXXX, Account # : XXXX, Not to mention this account is not even reporting to my XXXX account therefore it should not be reporting to trans union XXXX XXXX. PLEASE DELETE THIS ACCOUNT AS SOON AS POSSIBLE!

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 2017-10-23
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I 've spoken to Syndicated Office Systems several of times about these inaccurate accounts that were placed on my credit by them. I have over XXXX items being reported that are for XXXX the same accounts and for XXXX they are n't supposed to be on my credit nor in collections because they were taken care of with my insurance company. About XXXX weeks ago I spoke with a rude rep whom I 've advised of this matter once again and she told me that they will continue to ruin my credit and will continue to report no matter if they are accurate or not. I advised her to place me on their do not call registry she said no and called me XXXX times back to back. I am seeking legal advise from an attorney because I am wanting to file a lawsuit, if we ca n't work together to get these inaccurate items removed from my credit within the next XXXX days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select portfolio serving is saying I 'm late default of morgage even though I 'm not holding funds in suspense never applied it like they should and not reflect in principle balance correctly!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
1- I am a TD Bank customer and on XXXX XX/XX/2020, I wired {$73000.00} US $ to my family in XXXX per the attached TD bank receipt. I specifically, instructed TD bank to wire the funds in US Dollars ONLY. 

2- The Beneficiary received {$71000.00}, 3- I contacted TD Bank and requested them to provide me with XXXX XXXX to confirm that they had indeed wired the {$73000.00} in US funds XXXX However, TD Bank refused to provide me with XXXX. 

4- I filed a complaint with OCC and in their reply. TD Bank clearly lied to the OCC and claimed that they provided me the XXXX XXXX. The OCC advised me to seek legal assistance. See attached letter from the OCC. 

5- XXXX XXXX is the official confirmation of payment made from the sending bank and informs the beneficiary of all the details of the transaction, including any fees applied Please see attached sample of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I created my PayPal account in XXXX and I am XXXX citizen. 

In XXXX of 2021 I sold XXXX watches ( On XX/XX/XXXX ) and XXXX watch ( XX/XX/XXXX ) on XXXX XXXX XXXX XXXX and got paid with PayPal goods and services. Watches were shipped from within XXXX. It total I received {$1200.00}. 

Once buyers transferred the money it was held for 21 days since I recently created the account and was a new seller. After XXXX days money was released and I tried to transfer it to my debit card that was linked to my PayPal account. PayPal stopped the transaction and request an ID and receipts for items that I sold. 

I explained that it was my personal used watches, I don't have receipts for them but I provided passport. Customer service representative told me that they will resolve the issue. Next day my account was permanently suspended and funds were frozen for 180 days. 

I informed XXXX of the buyers. He asked me to refund him the money which was {$1000.00} and he would send it other way. I called PayPal and they refunded {$1000.00} on XXXX of XXXX to the buyer. Since it was paid with credit card it supposed to go to buyers credit card account. He never received the money. 

PayPal lifted my account limitation on XXXX of XXXX, 2021 and I was able to transfer the remaining amount to my card. I called PayPal many times over the course of 6 months, trying to resolve the issue and they told me that buyer needs to resolve it from his side. The buyer tried to resolve it and get a trace of transaction but PayPal did not provide any trace. PayPal told him that they don't know what happened and don't know how I was able to refund him after limitation. I have transaction record on my PayPal account and buyer also has transaction record of refund that states that it is refunded to his credit card. But he never received the money. Buyer provided me with all the proof and still in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine.

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 2020-07-07
Company: EQUIFAX, INC.
State: NC
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:
The government because I am in the military has breached my file 3 times. All 3 bureaus I have asked to investigate and remove inaccurate negative inquiries and information- this has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: FL
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:
THIS COMPANY IS IN VIOLATION FOR CLOSING AN ACCOUNT THAT I DID NOT AIUTHORIZE THEM TO CLOSE. THIER REASON WAS I HAVE TOO MANY CARDS WITH THEM AND IVE ONLY HAVE ( 1 ) CARD WITH THEM. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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 2021-12-08
Company: DISCOVER BANK
State: NV
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:
Discover closed ( REVOKED ) my account claiming " malicious debt avoidance. '' The account was in good standing and all payments due were paid and up-to-date. The also confiscated my ORIGINAL negotiable instrument, valued at {$50000.00}, uploaded it to their database - but didn't return it to me. 
I submitted to Discover Financial Services, via certified mail/return receipt, a negotiable instrument, payable to bearer without recourse valued at XXXX XXXX dollars and XXXX/XXXX  cents ( {$50000.00} ). The accompanying instructions provided that their remittance payment coupon was accepted by the consumer, endorsed and made payable to the bearer, and that the limit should be increased and that the balance should be zeroed out. According to [ Exhibit B ], the instrument ( document ) had been dishonored, and yet it has not been returned, to me. 
Discover Financial Services has both, caused harm and issued threats up my federally protected, lawful rights to services for personal, family, and household purposes. This harm is due directly from Discover Financial Services unfair practices and false and misleading representation. Discover Financial Services contacted the credit reporting agencies ( XXXX, and XXXX ) to inform them that they had closed the consumers credit account. This communication was unauthorized and an invasion of privacy, and an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: MD
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:
Hello. On XX/XX/, and went to a car dealership in Maryland called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) to look at a vehicle I was interested in. I applied for a used car loan through XXXX XXXX XXXX on that same day. The car that I was interested in was a little more than the loan that I was approved for. When I asked the sales representative that I was working with if hed be able to work with me around the loan that I was approved for through XXXX XXXX, he said yes. I ended up refusing the vehicle due to some issues that I discovered with it on the test drive. About a week later when I checked my credit report, I realized that there were 2 hard inquiries from the day that I visited XXXX XXXX that I did not authorize. The sales representative there must have run my credit on his own to see if he could get me a loan for the full amount of the car, but I did not consent to this. On XX/XX/ I tried disputing the inquiries through the credit bureaus on which they appeared, but was told that The only way to do so with through the company itself and then through the CFPB if The company would not resolve it. I called XXXX XXXX on that same day ( XX/XX/ ) & no one responded to me ( still hasnt ). I would like these inquiries to be removed immediately as they were not a result of my consent to run my credit ; I didnt authorize it and I wasnt even informed that it would be done.

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 2022-05-01
Company: EQUIFAX, INC.
State: NC
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 to the Fair Credit Report act XXXX XXXX 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.

In accordance to the Fair Credit Report act Credit one bank 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 response to consumer: Closed with explanation