BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal account - XXXX Was informed by PayPal ( 175 days ago ) that they no longer wanted me as a customer ( used them to process payments for my business ). 

Was told I would have to wait 180 days to be able to withdraw the funds in the account I wasn't happy about this but accepted it, I read online about a large amount of users being told all or there funds had been taken 'for damages ' was getting worried about this sent an email to PayPal asking when I would be able to withdraw I got a reply back stating 'Per the User Agreement, when PayPal permanently limits an account due to an Acceptable Use Policy violation, we may hold your funds for up to 180 days till XXXX XX/XX/2022 to withdraw the amount from his account. ' I logged in today to check the amount that I could withdraw on the XXXX to find that they had removed every XXXX under multiple transactions to themselves Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) The total amount stolen is XXXXXXXX XXXX - Without these funds I'm going to be unable to keep my business going, the damage they have caused by stealing my money is huge- I have read online that PayPal are doing this to 1000 's of people some for significantly higher amounts there is also a class action happening for the same thing. 

It is clear to anyone that what they are doing is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Bank of America eBanking checking account in XX/XX/XXXX. This account charges no monthly fee as long as no teller services are used, and this fact is not disputed by Bank of America. At the beginning of XX/XX/XXXX, my account was involuntarily converted to a Bank of America Core Checking account with a XXXX monthly fee. I received no notice of this conversion, and in no way acknowledged or authorized the conversion. XXXX monthly fees have been charged to my account, on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 

I noticed the monthly fees in XXXX and went into a Bank of America branch, where the manager stated I had to call in to have the fees waived and the accounts closed. I called the number he gave me, and spoke with a supervisor. The supervisor stated that all " eBanking '' accounts had been converted to accounts with monthly fees, and that the bank had a general policy of sending letters and emails about the conversion. However, the supervisor said that the bank could not provide any records of specifically having sent me a letter or email about the conversion. 

I never received a letter notifying me of the account conversion, and I searched my email inbox, archives, and trash and did not find any email from Bank of America regarding the account conversion. If I had received notice of the conversion, I would have declined and immediately closed the account. 

The supervisor stated that she could not reverse the XXXX monthly fees, but that she would pass my case to a manager for resolution within XXXX business days. One week later, I have heard nothing from Bank of America and the fees have not been reversed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Previously disputed credit inquiries numerous times with creditor and creditor reporting agency. Each agency continued to refer me to the other. Was previously advised that they would be removed and to date, they have not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX 2015 I was shopping for a car and have several hard inquiries on my credit report. The shopping was done in two days and I have XXXX hard inquires on my credit report which are affecting it negatively. 

On XXXX 2015 I was shopping for a personal loan and have XXXX hard inquiries on my credit report. The shopping was done in 1 day and I have XXXX hard inquries on my credit report which are affecting it negatively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-02
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My property is scheduled for Foreclosure Sale on XXXX/XXXX/15 by Green Tree Servicing , LLC ( GT ). Due to a security leak, my Personally Identifiable Information ( PII ) was compromised by Federal authorities. As a result, I have a freeze on my credit with the XXXX major Credit Bureaus ( XXXX, XXXX, and XXXX. ) To process my Loan Modification request, GT had to access my credit report and requested that I lift the XXXX security freeze. In response, I requested a temporary lift of the freeze for GT for a specific period of time. GT, however, still could not access my credit with XXXX. XXXX is the only Credit Bureau Green Tree uses. XXXX provided an Access Code ( for a " Selective Security Freeze Lift. '' ) which would allow only GT to access my credit report for a limited period of time ( another {$5.00} XXXX charge ). Green Tree was not able to use XXXX Access Code. There is no place to enter a code into GT 's system. XXXX, Loss Mitigation Dept., claims she has real time access to XXXX data, however, XXXX does not sign directly into XXXX credit system and can not enter the XXXX Access Code. I was instructed by XXXX that I would have to completely remove all Security freezes before they can access my data since she has no way to enter the XXXX Access Code. XXXX was informed there would be another {$5.00} charge to completely remove the freeze and another {$5.00} to invoke the freeze again. XXXX said that was the only way she could pull my credit. Although I did not want to open my credit information up for all inquiries because of my PII security being breached, there appeared to be no other option if GT was to continue with the Loan Modification process. After I initiated the complete security freeze lift with XXXX, GT still could not access my credit. XXXX 's supervisor told her she would have to wait until the next day to determine if they can access my credit. XXXX told me the entire Loan Modification would be on hold until she can pull my credit report. It appears GT does not have real time access to XXXX credit data although when XXXX was questioned, she said several times that she did have real time access. It appears that GT is batch loading credit data into GT 's system via overnight computer run. This has added at least XXXX days to processing my Loan Modification. A foreclosure sale is in less then a week. GT has forced me to abandon my prudent security measures making me vulnerable for additional fraud, and they still can not access my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I signed up with Experian Credit tracker ( phone number XXXX ) on a trial basis thru an ad. They took XXXX a month from my checking account for 9 months without my knowledge. There ad and the way it is presented is misleading and I received nothing to let me know the money was being withdrawn monthly. I noticed it when doing a general review of my account. I telephoned they cancelled the service but of course refused to refund any money. There business practice is deceitful and manipulative. They pretend to service a customer need when in reality set the customer up for recurring monthly charges for a service not used and not aware of.

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 2022-06-02
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a notice on XX/XX/2022 from XXXX XXXX insurance company stating that the insurance premium for my house had not been paid. 
The monthly payment I pay to Fay Servicing has {$270.00} for both taxes and insurance credited to an escrow account. 
I contacted Fay Servicing on XX/XX/2022 at XXXX XXXX  and spoke with a representative who assured me that an expedited payment would be made to XXXX XXXX XXXX XXXX. 
However, on XX/XX/2022, the insurance agent notified me that Fay Servicing had failed to make the insurance payment as promised and the policy would be cancelled. 
I had to borrow money to pay this unexpected bill which Fay Servicing is legally obligated by contract to pay. 
I had to come up with extra money to make sure the bill was paid. Since Fay Servicing did not meet their obligation as they should have. Fay Servicing took my money in good faith and did not pay the insurance. So now I had to pay twice. 
I wrote to Fay Servicing on XX/XX/2022 requesting to reimburse me for the insurance that I had to pay out of my pocket which was Fay Servicing 's responsibility and to update the escrow account for reducing the monthly payment which Fay Servicing continues to collect in full for interest, taxes and insurance. 
On XX/XX/2022, I received an escrow account statement which showed that Fay Servicing not only did not update the escrow account but also was not truthful with the fund allocated for insurance payment. 
I called Fay Servicing on XX/XX/2022 at XXXX XXXX and spoke with a representative. She claimed that Fay Servicing never received an invoice from XXXX XXXX XXXX XXXX. 
I contacted XXXX XXXX XXXX and obtained the copy of the invoice sent to Fay Servicing on XX/XX/2022. 
Fay Servicing has almost put me in a hardship situation. I am very concerned what happens when I have to pay the tax bills in the thousands of dollars which I have been paying to an escrow account at Fay Servicing every month. I have no faith in Fay Servicing and I would like to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought a manufactured home in XX/XX/2001 Brand new put on property I was buying. I signed a loan agreement with XXXX which was taken over by Ditech. I 've called to have them refinance my loan due to the over 9 % interest rate I 'm paying back when my credit was in a lower score.. Now my credit is over XXXX but they refuse to refinance to lower my interest rate. I have fell behind on payments and even had them defer payments due to injuries that caused me to be off work and rely on workmans comp payments which is barely enough to survive on. my payments are over {$900.00} a month for a loan I took out with Green Tree. I sat down one day with my significant other only to realize I have paid over XXXX} XXXX on the loan of XXXX XXXX and only paid XXXX XXXX towards the home and the property it sits on. I still owe over XXXX XXXX on this place I call home which I am struggling to afford as it needs regular maintenance that I am unable to due due to the amount paid towards the home itself. We looked at this years payments and most of the money they received from me for the payments, was put towards interest of over XXXX XXXX for 1 year .. Only a little over {$900.00} has been put towards the home itself and the rest is interest in there pocket. What happen to the OBAMA, MAKE A HOME AFFORDABLE PLAN cause for sure this company is profiting millions off of home buyers like me.. I now have my almost XXXX mother living with me due to needing someone to care for her and paying for her own well-being to keep her XXXX and not a XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Paid {$20000.00} to bring a house out of foreclosure. Nine months later they said to pay another {$8000.00} or they will put the loan in default. The XXXX XXXX is due to escrow. How can the account be made current then I 'm told I owe six years worth of escrow? I also found out that I was sending payments but they were n't cashing them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Experian is violating provisions of the FDCPA by implying that the legal status of XXXX ( XXXX ) debts are collectible by reporting the alleged debts on my credit report. The exact statute is 15 USC 1692e, ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Experian does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Experian may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Experian is willfully and knowingly violating germane Colorado statutes by publishing defamatory and incorrect information.

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 2022-06-02
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Have received a loan modification. I made all 3 trial payments and even more. They then canceled my modification because my wife did not send her signature back in time when I told them that we are going there a divorce and that she needed more time to send her signature in even though I sent in my signature and had it notarized. 
This also started during covid and is Covid related. 
I have had numerous people try to call to get my modification reinstated and no one can get threw to anyone. 
When people leave a message no one calls back. 
They wont even except a mortgage payment from me at this time. How can I get a supervisor to speak to my representative who speaks for me?

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I, XXXX XXXX have sent multiple dispute letters via certified mail regarding a bankruptcy reporting inaccurately on my consumer report. The bankruptcy is not reporting on XXXX, but is reporting on Transunion and XXXX. Though I have presented proof, neither will remove from my consumer report.

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 2017-02-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted an online bill payment to Ditech for a mortgage payment on XX/XX/XXXX and confirmed with my bank ( XXXX XXXX XXXX ) that the payment was mailed XX/XX/XXXX. I was advised by a Ditech rep XX/XX/XXXX that payments are backdated based on when payment was postdated, which I learned later may be incorrect. Ditech posted my XX/XX/XXXX payment on XX/XX/XXXX and reported 30-day late with all XXXX major credit bureaus. I called Ditech XX/XX/XXXX and they advised me they would escalate my customer service issue to a supervisor named XXXX XXXX so they can review recorded calls substantiating how I was misadvised on payment processing/posting times. I did not receive a call or any correspondence from Ditech so I conducted a conference call between my bank & Ditech to resolve payment issue on XX/XX/XXXX. I spoke to XXXX XXXX at Ditech and she was very dismissive of my request and became very agitated indicating there was no wrongdoing on their end in regards to posting 30-day late. I simply asked how they verify when a mailed payment was received and she gave me XXXX inconsistent responses. The first response indicated a Ditech employee stamps the payment with a date of receipt while later during the call, she indicated that I should call the XXXX post office because they stamp when it was rec 'd. Understanding that the call would not result in a resolution, I ended the call respectfully. I was wrongfully treated as a customer who habitually makes derogatory payments. I work in the mortgage industry and understand the importance of making timely payments. I have not had any 30-day late payments since XX/XX/XXXX, which is testament to my character and willingness to pay-as-agreed but Ditech thought otherwise and was unwilling to further investigate why the payment was processed a week after it was sent out when my previous 6 payments were made thru the same system but was posted within 1-2 days of when it was mailed. Please contact me so I can provide more details and provide documentation to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A settlement for a short sale with XXXX was made in XXXX/XXXX/2012. I received a form XXXX for the cancellation of debt ( Please see attached ). XXXX report my account as outstanding 2 months after settlement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX - XXXX Was opened on XX/XX/2021,, with a {$400.00} of balance.. i dont know.

Company response to consumer: Closed with explanation