BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was on the forbearance plan until I believe XXXX or XXXX XXXX. I had been checking in every month online. I called for a total owed to know how much I owed in XX/XX/XXXX, I was then informed they were going to foreclose on me from lack of communication? They said they did not want my house if I could start paying again. Then weeks later they served me with papers. They then said they would stop the foreclosure and add My about {$30000.00} to a second mortgage that would not have to be paid back until the first was paid or I sold the house. Now last month XX/XX/XXXX my whole payment went to suspense plus a late charge. I called and they said they were removing the late charge, but my credit shows a 30 day late status and dropped my score XXXX points. This is nuts. When I started repaying my loan my payment was around {$1700.00}, so I payed {$2000.00} or {$2500.00} for a few months to pay down my principal. This was not applied to principal. I just need someone who defends people with fha loans to see what is really going on. It is not what they tell me after hours on the phone. 
thanks XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
International money remittence for amount of XXXX was initiated on XX/XX/2023. 
After waiting for 7 business day ( XXXX as k for 4 days ) I reached out to customer support center requested for status update since XXXXXXXX XXXX was show transaction completed but the recipient never received the money. They requested recipient account details and bank statement to show that money was not received. Which was shared within days. 
I was told thirdparty bank confirmed that amount was not delivered and they will refund the money.

I have been reaching out to customer support every week from past 90days requesting for my refund without any update. I have left with no option now but to log grievance with CFPB to help me get back my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizens Bank ran maintenance at the end of the month and ran into some sort of problem that they wont elaborate on and now I am unable to get my check direct deposited. I have bills due, we need groceries, and have a large payment due to my sons school and all they say is sorry, it will be 2-3 days until its fixed they also said it may come in the form of a check in the mail so add another few days for that to clear which by then it will be the weekend, so we are looking at a week or so before this is all cleared up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-28
Company: Kirkland Asset Management LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am getting calls for my brother in law every single day. I have told this company to call him and stop calling me. I owe no debt. They are using 3rd party disclosure telling me how much he owes and that he will be sued very soon. Harassing and frankly making me feel very uncomfortable. I might hire an attorney myself.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a dispute claim to get the remaining balance of my down payment back For a car. Capital one denied the claim because the merchant stated i owed them money but the merchant processed a partial refund. When they noticed the partial refund capital one filed a rebuttal. The rebuttal was denied because now the merchant has switched they story to now they couldnt get financing for me. They have looked past all my documentation and sided with the merchant who has switched stories multiple times. This has been going on since XXXX. This has put me in a financial crisis. When i request documentation that was used to make a decision on the claim they send me a copy of my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: TN
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These acoounts am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont rememberi have a legal obligation on these accounts. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the following accounts listed below be removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Bankruptcy chapter XXXX XXXX XXXX XXXX  FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy chapter XXXX XXXX XXXX XXXX FL XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX - XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) Balance {$23000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$23000.00} XX/XX/XXXX XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XX/XX/XXXX XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX  Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-09
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/23 I was trying to sign into my XXXX XXXX XXXX. The TV requested my password which I forgot. Instead it gave an option to sign in through my mobile device or go to XXXX Enter the following code. There was a phone number listed as I was still having trouble so I called thinking I'm dealing with XXXX, I was asked to down load an app called XXXX the person on the phone said they needed to verify it was me and proceeded to update my debit card as it was expired. Then they had me purchase a couple game card but said it would be refunded, they needed to verify it was me. long story as they proceed to have issues on refunding and had me try other ways to refund me the money with Venmo with the amount of XXXX to XXXX XXXX, son come into the room and realized I was being scammed and had me hang up the phone. We called Venmo to stop the transaction but they said they cant. I have tried to contact the person called XXXX XXXX but there is no account now on Venmo to get my money back. I went to my bank on XX/XX/23 and filed ' a complaint, my Credit union also filed a complaint with Internet Crime Complaint Center. I was able to get the money back from the game cards. I did not have the XXXX in my account and now I owe the bank XXXX for over drafts. I do have transcripts and emails from Venmo so I'm filing a complaint as I was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-06
Company: CL Holdings LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX, when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX  who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX  and unable to pay off any of these loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted several request for Experian to investigate a few inaccurate items on my credit report. Each time I am met with a notice stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

Even after contacting customer service as they requested, they have failed to properly investigate each item with no proof of verification.

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 2020-04-07
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit AdjustersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX Toll Free : XXXX www.ncaks.com I got contacted by this collection agency National Credit Adjusters, stating that I need pay this amount XXXX, The company stated that I took out a payday loan back in XX/XX/2012, and I never did. This is over 8yrs ago this is written off and they should not be contacting me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I called my servicer and advised that my income was suffering due to covid 19. I was not offered a forbearance. All of the representatives I speak with are condescending and did not offer other options. I was told I received a one-month deferment ; I dont understand why I was not offered that when I was many months behind. The only option was a repayment plan which doubled my payments. 
Also, in XX/XX/2022 when she called in to make her repayment plan payment, her representative advised her she inadvertently removed the repayment plan and she had to start over with an initial payment of {$4500.00} vs the repayment amount of {$2300.00}. 
Why was I not offered a loan modification? They just tell me that its not an option but dont indicate a reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: The Best Service Co.,Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
( The best service company ) is a debt collection agency that has posted a. Collections account on my credit report which is hurting my credibility and preventing me from obtaining any other form of credit. The amount continues to grow and when I requested proof of debt in the form of original contract I was told no that they sent me something last XXXX already. I informed them that I never received it that if they indeed sent one that sending another should be no problem. They said in order for me to obtain the requested documents I would have to send them a copy of a police report. When I asked if they were obligated to provide me with those documents to show validity of debt they then said that XXXX XXXX XXXX XXXX is the one collecting not them and refused to give me the info for contacting them.

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 2022-01-19
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I took advantage of fully allowed mortgage forbearance for 18 months ( from XX/XX/XXXX thru to XX/XX/XXXX ) due to the CARES act and Covid -19. 
Our forbearance plan is due to end XX/XX/XXXX and normal/ regular payments are due to resume/ due date XXXX. 
Since, the process began, we were led to believe, that we could defer our forborne amount to the end of the existing loan, i.e it then being payable at the maturity of the loan.

However, the company ( RoundPoint Mortgage Servicing Corporation ) in question has since " revised '' their website and we can not see our payment history anymore. Thankfully I printed out a " history '' of transactions from XX/XX/XXXX up to and including XX/XX/XXXX, which shows the principal balance owed at that time. 
However, I was about to set up my XX/XX/XXXX payment due, yesterday and to my dismay our, " new '' mortgage balance has increased by approximately {$11000.00}!!! 
I spoke with the company many times over the last 18 months, to ensure that " nothing ' with regards to the amount owed would change, as we did not want a loan modification, even though they have sent us a letter as recently as yesterday XX/XX/XXXX ( dated XXXX ) saying that is what we have done??? We can afford the mortgage payments and do not need a loan modification, but their ability to explain this is futile ( last phone call yesterday, ( XXXX ) to the company I requested to be transferred to a supervisor, that promptly got hung up on!!! ). Therefore, I feel that due to lack of transparency and inappropriate increases to our mortgage balance, I had no other choice to make a complaint.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX 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 an 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 non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX  PAID OFF AND CLOSED. 
PAYOFF PROOF ATTACHED AND SENT 3 TIMES, HOWEVER DEBT OBLIGATION STILL REPORTING ADVERSELY AFFECTING DEBT TO INCOME RATIO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX  the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX  who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX and unable to pay off any of these loans.

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