BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-28
Company: I.C. System, Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid XXXX in full With IC SYSTEMS ( XXXX XXXX XXXX ), ( The amount currently in collections. ) Several months ago I did a three way call with IC SYSTEM and XXXX XXXX XXXX to resolve this issue. After getting nowhere with defending the amount I did not owe, I paid the amount the debt collector claimed I owed. This amount is still currently on my credit collections. I honestly do n't remember the Man 's name that I spoke with from IC Systems but this amount is no longer due. 13 Days ago I XXXX, trading for a larger vehicle is now an issue due to this in collections. This has not only affected my credit but future convinces of having a larger vehicle and lower payments. Asking for some assistance on getting this removed. 
Thanks, 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 2017-01-09
Company: Paypal Holdings, Inc
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I sold a gift card on my eBay account and i followed the rules and regulation in regards to selling that gift card on the eBay website. I had the payment information go through papal and papal received the money from the customer and told me that it was OK for me to send the gift card to the customer. The customer sent me an email to send the gift card to her email for faster shipping. i sent the gift card to the customer as instructed. pay pal waited 21 day to put the money in my account. after 2weeks of receiving the money pay pal send me an email saying the customer filed a dispute with her back that she never authorized the payment from her account. pay pal went ahead and did there investigation and said unfortunately they are unable to reimburse me because the transaction was not covered under pay pal seller protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Paypal Holdings, Inc
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
pay pal randomly closed my account and withholding my funds. When asked they would not give any answer why account is not completely closed. I do not want my account and financial information to be available for everybody to see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from I C SYSTEM INC. I had previously disputed this account. I have never done business with I C SYSTEM INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt I C System INC purport I owe. I request that I C Systems INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C System lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number 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 2016-09-07
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal somehow linked my company to a XXXX report that we have nothing to do with and froze my accounts. My company name is XXXX. Paypal is holding my funds and causing detrimental harm to my company by freezing my processing and by not releasing some operational funds. Paypal is not communicating with me about their findings and therefore not allowing me to resolve it. Rather holding funds so they can earn interest on the money and make a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had, and still have a paypal account that I occasionally use to pay bills to few merchants. I have usually one or more credit cards on file at Paypal so that Paypal can use my credit card when I use Paypal to pay bill. On XXXX XXXX, 2015, I wanted to pay a bill using my Paypal account. Since the credit card on my paypal account was expired/cancelled, I added a new credit card to paypal account and then paid a merchant {$33.00} using Paypal. 3 weeks later, I got a call from paypal saying that I owe {$33.00} in Paypal credit account. Since I know that I never had a credit account with Paypal, I called them back to find out. They said I opened a credit account on XXXX XXXX and paid a merchant {$33.00} using that credit account. I said I paid with the credit card on file. They said since the credit account is opened in my name, the only way that can happen is that I did it. XXXX I never opened a credit account with them. I had numerous conversation with them the last few days. The claim the only way a credit account can be opened is, if the customer did it. I told them, may be your system made an error. They would not agree. Then I XXXX searched and found that this is their regular practice to open credit account for unsuspecting customers. However, in my case, I accidentally did not click on anything on their site. I know this because I am a professional software worker and good at finance. So I did some digging of the records. From my email account I found that they sent me an email about opening " a credit account '' at the very same minute, I added a credit card to the paypal account. As per paypal policy they must send an email when " a credit card is added to an account '' stating that it happened. I verified the logs that they have that my credit card was added at the very same moment they sent me the " opening credit account ''. There is only one explanation for what they did. They created a credit account for me when I added a credit card to the file. It could potentially happen, though unlikely if they have a bug in the system ( I am XXXX, I know how this can happen ). The potentially dangerous reason by which it happen is when customer add a credit card to file they deliberately create a credit account. The fact that they did not send me an email about adding a credit card and at the same time sent me an email about the credit account creation, points towards this ominous scenario. In that case, their system is programmed to do that way for unsuspecting customers. Because they opened a credit account in my name, I took a hit on my credit history. I asked them to go and clean up the damage with XXXX credit beauros. They refused. I also asked them compensate for the damage they did to my credit history. They refused. I promised them that I file this complaint. I asked them not destroy evidence of logs, emails, phone calls etc. Please take action against them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Shea Mortgage Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We are filing a complaint against Shea Mortgage in California. We submitted a loan application with Shea Mortgage sometime on XX/XX/XXXX where we were issued a " loan approval ''. Given this information, we signed a contract with Shea Mortgage 's wholly owned subsidiary, XXXX XXXX, to buy a home located at the XXXX, XXXX XXXX, California. Construction started XX/XX/XXXX and we are now at the finishing stages of construction. 
Shea Mortgage demanded updated data and credit report XX/XX/XXXX which we complied. A new " loan approval '' was issued again. This time we paid an appraisal fee in the amount of {$450.00}, and we were promised that if our loan can not be approved, then the appraisal will not be ordered. The appraisal was ordered, so it means our loan is approved. 
Every week beginning XX/XX/XXXX, Shea Mortgage asked for more documentation, which we provided and complied. This charade has been ongoing for the last 5 weeks. 
On XX/XX/XXXX, the loan processor demanded XXXX more items before a FINAL loan approval can be issued. Again, we provided everything Shea Mortgage asked for on XX/XX/XXXX. A couple of days later, XX/XX/XXXX, we were told that we should have the FINAL approval within 24 to 48 hours. It is now over 96 hours, yet we have not received the promised FINAL loan approval even though we have given them everything Shea Mortgage asked. 
We did not get a Good Faith Estimate until XX/XX/XXXX. Are n't lenders supposed to give the borrowers a Good Faith Estimate within 3 days after a complete loan application is received? We locked in our rate for 60 days on XX/XX/XXXX, and instead of a written rate lock agreement, we were given a " Itemized Fee Worksheet ''. We are very concerned the lender is delaying the issuance of the final loan approval ; our rate lock expires and we will have no choice but to agree to a higher rate and maybe fees. 
We pray the Consumer Financial Protection Bureau is here to protect helpless consumers like we are. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Skyline Financial Corp.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My client is being Steered to a Mortgage company by only giving a {$2500.00} Credit and a home warranty. Only if they use there preferred, and that is steering according to what I have heard from other trusted sources. My client is now confused and frustrated. I attempted to negotiate and inform the builder 's representative that what they 're doing is an illegal practice and they said they do n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Paypal Holdings, Inc
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I could not find a proper category to check off in your website ... This about Pay Pal. I was using Bill Me Later to pay for my XXXX XXXX XXXX, and Bill Me Later became Pay Pal. XXXX ended its association with Pay Pal. I now pay XXXX directly. Pay Pal continues to send me bills. They tell me I owe them over {$1000.00}. I tried to call, but they were rude. They said I took out credit with Pay Pal, and I did not make any credit agreement with Pay Pal, I only used Bill Me Later to pay for my cheap internet once a month. Pay Pal keeps sending me bills! Please help me get Pay Pal off my back! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I try a loan modification with Flagstar for 5 years, and they keep losing the paperwork

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Bank account was closed and my money has not been returned to me. The bank wrote me a letter to tell me that my balance wont be returned to me, including the direct deposits from my job. 
My Cousin XXXX XXXX who lives in XXXX contacted me for help with paying for his Goods/products in XXXX. He told me that he contacted some of his acquaintance in the USA who agreed to deposit into my account any dollar amount they want to send to XXXX so that he ( XXXX ) paysthe beneficiary in XXXX Currency. This 's due to the difficulties the business Men and Women in XXXX go through in order to obtain Dollar for their foreign transactions. I agreed to help my Cousin after he promised that the money that will be deposited into my account will be from a genuine source only come from within the USA. I started receiving deposits in my account and acknowledged same before he remitted the XXXX equivalent to the beneficiary in XXXX. 

On XX/XX/2016, I noticed that my account was blocked and called Bank of America. I was informed that there was a fraudulent activity on my account hence the reason for my account being investigated. They refused to tell me what it was. This went on for over a week before a Bank of America associate finally called me to intimate me that a deposit of {$2000.00} was made to my account on XX/XX/2016 which the account owner did not authorize. I have contacted my Cousin about this and he gave me a name and phone number of the check bearer which i forwarded to Bank of America.I also asked them to look up the check bearer on the bank 's camera for arrest. 

Evidently, if the account owner did not authorize the said Check, then a stolen Check was deposited to my account in Florida. I am therefore seeking for an advice on how to go about this to clear my name from this and also my personal money including a direct deposit from my Job be released to me. I am willing to provide all correspondence from Bank of America and the Letter from my Cousin to me regarding this. 
Thank you The bank name is : Bank of America ( THE FILE # XXXX ) XXXX XXXX XXXX XXXX-FLORIDA, 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 monetary relief
Consumer complaint received 2015-03-25
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They robo-dial my number from XXXX. When I answer a computer picks up and says wait for an account manager. I wait then it hangs up on me. This has been happening for a week now. When I call in a automated system answers and outs me in que eventually a human answers and Identifies themselves as American Medical attempting to collect a debt.

Company response to consumer: Closed
Consumer complaint received 2017-02-24
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint originates when XXXX, now owned by Peoples United Bank, made an error and assured me that a {$65000.00} check that I deposited was good and had cleared successfully. Then, two weeks later they informed me that the check was a counterfeit check and that they had made a mistake and that I now was personally liable for {$65000.00}. Instead of taking responsibility for their error, they hired lawyers to take me to court, and they prevailed, as I could not afford legal representation. The {$65000.00} judgement was now {$100000.00} including their legal fees and so UNDER DURESS I was forced to sign a Home Equity Line of Credit. 

Then after paying each month on time for years, I became ill, largely due to the stress of having to pay wrongfully, and was in the hospital for 2 months and am now XXXX, a XXXX, Veteran, and experiencing a hardship, with medical bills, real estate taxes in arrears, etc, With the help of the VA, I was negotiating a reduction of the alleged real estate taxes due to the local Town, especially the part that included the usurious 26 % of interest and collection fees. I wanted the monthly payments that I was dutifully making to the Towns, to be applied to the full payment of the principal amount first, followed by a substantially reduced 26 % usurious fee. 

Then without my knowledge, nor agreement, Peoples United Bank came in and paid off the Town including all the usurious fees that I was attempting to reduce. Now instead of paying $ XXXX for the Line of credit, Peoples United Bank wants me to pay $ XXXX for all the bogus fees, which I am unable to do, and now they are threatening foreclosure. 

In conclusion, Peoples United Bank has a moral, financial, and lawful responsibility for the : 1. Original {$65000.00} bank error, and 2. Interference with and failure to consult with me prior to paying off the alleged real estate taxes due, when there were ongoing negotiations with the Towns with the help of the VA. 

Rather than threaten foreclosure, it is time that they write off most of the alleged monies due to them as a result of their errors, and let me go back to catching up with all the regular bills and restoring personal health. This is the right thing to do. Then, over time, they will be paid off a reduced amount that I can manage, and we can both be free.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I completed a Forbearance plan, with a down payment of {$3500.00} and XXXX additional payments of {$2000.00}. However, after making all of my payments I was told the amount was n't accurate and I owed additional money. 
Each month my mortgage statements have a different amount owed. Recently I requested additional information and received written correspondence XX/XX/XXXX from XXXX XXXX, case manager customer support department of Bayview Loan Servicing. The letter stated my correct payment would be {$1600.00} rather than the {$1800.00} reflected in previous statements. However, my new statement indicates the payment amount of {$1700.00} for XX/XX/XXXX. Again differing what was listed in the written letter. 

Listed on the Customer Account Activity Statement dated XX/XX/XXXX myloan interest rate is reflected at 3.25 %. However, on all of my statements itis listed at 4.25 % which I 'm currently being charged. 

XX/XX/XXXX I received written correspondence from the Bayview LoanServicing, Insurance Department stating they had received appropriatedocumentation for my private home owners insurance. I have maintained a privateinsurance policy through my HOA and an additional policy through XXXX XXXX. 
However, I was charged {$970.00} ; XX/XX/XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXXXXXXThis amount has n't been credited to my account and I continue to be charged ahigher amount for my escrow account based on inaccurate numbers. In the AnnualEscrow Account Disclosure Statement dated XX/XX/XXXX it is reflected my escrowaccount had a shortage of {$1700.00}. I have received the current property taxbill for the XXXX tax year. The total amount due is {$2600.00}. I amcurrently being charged {$350.00} a month for escrow. As of the XXXX XXXX, XXXXmy statement reflects I 've paid {$2500.00}. 

I have tried to work with staff assigned to my account. I had a XXXX minute phoneconversation with XXXX XXXX XX/XX/XXXX. The outcome of that conversation was the letter generated by XXXX XXXX XX/XX/XXXX. I attempted to follow up with XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not one of my phone calls wasreturned. I am desperate to find someone who can assist me in resolving theabove errors and moving forward. I am concern with the lack of follow throughand do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Two companies are reporting inaccurate information regarding the same account that is already closed going on 7 years and keeps reflecting misidentified information with no factual date background or balance history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
We have a home loan with Wells Fargo Home Mortgage. We are attempting to refinance our home with another company and when they ran our credit report, they found that Wells Fargo has not submitted our payment information for the last four years. When they call Wells Fargo, they admit there have been no missed or late payments but they refuse to submit the information to any bureau. This neglect has lowered our credit scores and prohibited us from getting a conventional loan. This is going to cost us thousands of dollars over the coming years.

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 2015-08-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo Home Mortgage ( lender ) is currently processing my VA Mortgage Loan to purchase a home. The lender approved our loan and we received our lender commitment letter XXXX XXXX 2015 for the amount of {$170000.00}. We found a property we wanted to purchase with an original price of $ XXXX that was later appraised to $ XXXX. The lender had us ( the buyer ) pay the following fees : Title Fee ( {$1000.00} ), Inspection Fee ( {$300.00} ), Appraisal Fee ( {$440.00} ) and other processing fees. To this date we do not have our corrected GFE yet. The lender has sent us numerous rough drafts of the GFE with multiple errors and discrepancies like for example : charging the buyer costs that do not apply to VA Loans. The even tried to have the buyer pay for the Property Termite Inspection and Survey Fee which I refused to pay. I have been more than patient with the lender and right know we are very stressed and XXXX about the whole ordeal.

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