BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today XX/XX/XXXX I called PennyMac to make our monthly mortgage payment through the automated phone system and it said our payment was {$1400.00}. instead of our usual payment of {$1000.00}. We have not received anything via email nor through USPS. The automated system said taxes had been paid on XX/XX/XXXX. 
We then called PennyMac to ask what was going on and we could not get a clear answer as to why our payment had changed so drastically. 
We assumed this loan on XX/XX/XXXX and paid over {$4600.00}. in closing costs, taxes and insurance. 
PennyMac has been very difficult from day one since trying to assume this loan from our daughter and her husband. I feel they charged us unnecessary fees as my husband was a co-signer on the loan when we assumed it. It took from XX/XX/XXXX to XX/XX/XXXX to simply assume and close on this loan. The assumption fee was much higher than we were told at the beginning of the loan. 
We told the gentlemen we wanted to make our usual payment of {$1000.00} and he said there would be a {$15.00} fee for paying via phone through a representative because the automated system would not accept any payment except the amount of {$1400.00}. I do not think in this situation we should have to pay a late fee. This is a problem they need to correct and send us information via mail as to why and what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been scammed over XXXX on XX/XX/2022. 
A XXXX user XXXX XXXX offered to sell 4 tickets to XXXX XXXX XXXX XXXXXXXX. She asked {$200.00} for them and told me to XXXX money to her sisters account : XXXX XXXX, XXXX. She received the money and a couple of hours later she emailed me some XXXX codes. 
The XXXX codes did not look right, because my friend purchased tickets directly from the company and they looked different. So I texted her back via XXXX XXXX and asked for the original emails with the tickets, but she never replied. Over the next couple of days, I repeatedly emailed and texted XXXX XXXX, but she never replied. 
On XX/XX/XXXX I went to XXXX XXXX XXXXXXXX page and found that she deleted our conversation, and she keeps commenting under different posts, selling the same fake tickets to other people. This was the moment when I realized that I got scammed. 

I contacted Bank of America on XX/XX/2022 and reported the loss of funds, but was told that the investigation can take up to 90 business days and theres no guarantees that I will get the funds back. 
When I asked the bank representative for a Regulation E dispute guidance, she said its not my case since the transaction was authorized. I replied by reading that the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent P2P transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. Her tone changed and she answered, let us do our investigation. 
Since it can take up to 90 days for the bank to investigate, and the deadline for a Regulation E dispute is only 45 days, I thought its best to file this complaint immediately. 
On XX/XX/XXXX I also reported this scam incident to FBI Internet Crime Complaint Center at XXXX and to Federal Trade Commission at XXXX 


I will attach all the documents connected to the scammer ( messaging with XXXX XXXX, my email to her that she never replied to, screenshots of her XXXX page, her comments on XXXX XXXX XXXX XXXXXXXX page, fake tickets she sold ). I also just purchased new tickets from the event website. Let me know if you want me to send those to you too, since they are absolutely different from what she sent. 
Please, see the scammer 's XXXX page here : XXXX XXXX XXXX XXXX XXXX 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 2022-05-16
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by XXXX XXXX XXXX XXXX XXXX that an owed balance of {$300.00} was placed in collections for a Speedy Cash loan that is more than XXXX years old. I was not formally been notified about the debt, prior to the call or prior to the debt being placed in collections. 

It was not identified if these people own the debt or are a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquiries on my credit report that I do not recognize : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX ( yes a second time )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Absolute Resolutions Corp.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has, as of yesterday, called me every 20-30 minutes with the calls starting at exactly XXXX. As of writing I have already recieved 5 calls and have over 20 calls from them yesterday

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against XXXX for repeatedly inaccurately reporting the delinquency dates of several accounts held with Navient on my credit report. Despite multiple attempts to rectify this issue directly with XXXX, the erroneous information persists, adversely affecting my credit score and financial standing.

Key Details of the Dispute : Original Delinquency Date : The accounts in question became delinquent in XXXX This date should legally mark the commencement of the seven-year period for the information to remain on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Last Payment Date : The last payment made on these accounts was in XXXXXXXX However, this payment did not bring the accounts current. According to the FCRA, the date of the first delinquency should remain the start date for the seven-year reporting period, even if subsequent payments were made. 

Evidence Submitted : In my disputes with XXXX, I have provided clear evidence, including account statements and records, confirming that the delinquency date for these accounts was indeed in XXXX and not XXXXXXXX 

Repeated Disputes and Lack of Resolution : Despite providing adequate evidence and engaging in multiple disputes, XXXX has failed to correct the delinquency dates on these accounts. This continued misreporting demonstrates either a significant oversight in their dispute resolution process or a willful neglect of accurate credit reporting practices. 

Impact on Me : This incorrect information has unjustly lowered my credit score, potentially affecting my ability to obtain credit, secure housing, or even gain employment. The emotional and financial stress caused by this inaccuracy can not be overstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$4400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.

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 2021-08-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2021 I made a purchase of {$62.00} at a XXXX XXXX in XXXX XXXX, CA. On XX/XX/2021 I attempted to login to my account online to pay my balance but was unable to do so because the online system appeared to be down. I then made a payment by phone to make sure that a payment would be made on time. I was told that my payment had been received and I received a confirmation number of XXXX. On XX/XX/2021 this payment however was rejected apparently because I incorrectly entered my bank account information due to honest error. I was NOT notified that the payment had been rejected. I received a phone call from XXXX  ( XXXX ) on XX/XX/2021 to inform me that my Target XXXX  balance had accrued about {$31.00} in interest and a late fee ( bringing the balance to {$94.00} ) and had been sent to collections. At no point between XX/XX/XXXX and XX/XX/XXXX was I ever informed that my balance was due, nor did I receive ANY form of correspondence from the creditor. No e-mail, no letter, no phone call, no text message, nothing. It should be noted that the creditor did have all of my current contact information on file ( e-mail, physical address, phone number ), and at no point did any of my contact information change or become unavailable during this period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 {$500.00} I talk to the store clerk they gave me the store location number and the address and telephone number and said the machine always has this problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: FCI Lender Services Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
On XX/XX/XXXX, a decision was entered in the courts of the intention of XXXX XXXX Bank to auction off my property, located at XXXX XXXX XXXX XXXX XXXX NY XXXX. Since that time we have gone through the XXXX pandemic. During this time it was an understanding that because of the financial difficulties being experienced by home owners to keep up with their mortgage payments, there would be a stop placed on forclosures. Again neither my lawyer or I was informed of a decision by XXXX XXXX 's Legal team to pursue another foreclosure and auction of the property. This decision of foreclosure was entered in the courts on XX/XX/XXXX. I received a date for sale XX/XX/XXXX. Recently I received a new letter in the mail stating a determination to sell at auction on XX/XX/XXXX, The fact of the matter is that it was never proven in court that XXXX XXXX had legal ownership of the mortgage on my property. And the court issued this decision in XXXX. The reason being the XXXX XXXX of legal acquisition of the mortgage was never proven in the court of law. XXXX XXXX could not prove how they gain ownership to the mortgage on my property. 

XXXX times there was a case for foreclosure of my mortgage without my knowledge of the case filing or date of court appearance. Presently a new Loan servicing company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, has taken over the management of the mortgage loan. XXXX XXXX has stated they have had nothing to do with a foreclosing on my property even though the bank is mentioned in the case as is recorded on the notice attached to this complaint. 

All of these cases are being pursued and conducted in the courts to foreclose and I am not clear of who is responsible.

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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I TRY REACH OUT TO XXXX, TRANSUNION, AND XXXX XXXX XXXX ABOUT THIS ACCOUNT REPORT ON MY CREDIT REPORT. 

In accordance with the Fair Credit Reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidential under the 15 USC 1681. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX  # XXXX has violated my rights 15 USC 1681 section 602 A states i have the right to privacy. 

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
.

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 2023-12-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received two American Express gift cards worth {$200.00} and {$100.00}, respectively. The cards can not be used to make online purchases at XXXX or other general retail stores. Each time I try to use the cards, the payment method is declined, even after following the instructions provided on American Express ' website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX : I deposited a {$4000.00} cashier 's check at Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to my Bank of America checking account. The funds originated from my account at California XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, where I made a {$4000.00} withdrawal that same day. 

Bank of America placed an unreasonably long hold ( available on XX/XX/XXXX ) on my {$4000.00} cashier check from California XXXX XXXX XXXX, which is within walking distance of Bank of America branch. There is no reason that Bank of America needs to hold these funds all the way out to XX/XX/XXXX. Usually regular checks deposited are available 2-3 business days, and cashier 's check should be available next business day. I was not given notice of the long hold at time of deposit, as this delay has caused undue unexpected hardship and opportunity cost loss. 

I am requesting that Bank of America expedites the hold inquiry immediately, as the funds are available and there is nothing that Bank of America can not reasonably verify the same day or next business day with regards to this hold. The California XXXX XXXX XXXX XXXX branch is within walking distance of the Bank of America branch.

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 2022-05-16
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I filed bankruptcy and made montly payment on my car. 10 days after I made a payment XX/XX/XXXX, they reposessed my car. After a lot of red tape and them being extremely unhelpful, I paid off the car on XX/XX/22. I had XXXX XXXX from VA to NC to pick up the car, I did so on XX/XX/22. A week later, I called in to find out when I would get the title. They stated that they sent it to the repo company and will request it back from them and send it to me. I never received it. I called multiple times and finally on XX/XX/XXXX they told me that they sent it out to me on XX/XX/XXXX. I waited and waited, no title came. On XX/XX/XXXX I called them telling them that I have received no title and that it was unacceptable that I had to wait this long. The Westlake  rep said she would take care of it. On XX/XX/22 I finally got an envelope from Westlake. It didnt have a title, but it had a document that had been notarized. I assumed I could take that to the DMV  for a title. I made an appointment with the Virginia DMV  for XX/XX/22. The piece of paper they sent me means nothing to the DMV. The piece of paper also had a phone number that the DMV could call. However, that phone number went straight to a dead line. The DMV informed me that Westlake put the title in their name on XX/XX/22 and got a copy of the title. The DMV needs the title signed over to me before they can do anything. When Westlake moved the title over it voided my cars registration. So now I have had an undrivable car for 2 months. I have called over 10 times trying to get this resolved. Most times they throw me into a hold loop where it eventually hangs up on me. This has now become a UDAAP violation, and with the way they have treated me, I am sure that I am not the only one.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-15
Company: PLAID INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
The company is called : Plaid. They do money transfers and payments like XXXX, I think. What I do know is, Plaid is only one security breach away from being utterly destroyed and will take out the financial lives of all their customers. They are incredibly irresponsible, and I wonder how Plaid hasn't been shut down. As a customer you have no recourse if something goes wrong. The TOS of their online banking says that if you disclose your username and password to any third party then you have no liability and yet they are asking for customers ' banking username and password in order to have an account! 

This company breaks 2 fundamental internet security rules : 1 ) never give credentials to a third party. The standard is to redirect the user to a login page on the website of the service providing the login, but Plaid doesn't do this, instead they provide the login form on their own website. Even worse Plaid allows services to embed the form in their website ( as a frame ), and it is impossible for casual users of the internet to tell the difference. This is an unsecure form, so is encouraging bad security practices. 2 ) even worse, Plaid provides a login page that looks very official showing the bank logo and using the bank 's color scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: M&T BANK CORPORATION
State: TX
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:
On XXXX. XXXX, 2020, XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, M & T BANK INDIR add a hard inquiry on my credit report per 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home. I mailed this company a letter asking for them to remove the late payment and I received a letter back stating we are unable to make any adjustments to your payment history as requested In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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