BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Greetings, My name is XXXX XXXX XXXX ; and I work as the XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm assisting a XXXX with a loan modification and worked very hard to fax the documents to PennyMac before the XXXX of the foreclosure. Unfortunately, PennyMac gave me 4 different fax numbers which were busy. Today, I was able to reach their Escalation Team and spoke to XXXX who walked me through uploading the documents through their portal, which she stated is her company 's preference. I'm very disappointed with the customer service of PennyMac because each time I called them to either get another fax # or check on their fax machine, the customer rep said it must be my problem. I went to XXXX different locations to fax to the following numbers XXXX, XXXX, XXXX, & XXXX to no avail. 
I'm disappointed that a company as large as PennyMac does not have adequate electronic services to handle the financial requests made by their Homeowners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account in XX/XX/XXXX and the terms stated with {$300.00} direct deposit receive {$200.00} bonus. I had DD 2x a month for several months and did n't receive the bonus. I have followed the terms to a T and since I 've tried calling, doing live chat and sending secure messages I would like to have this matter resolved. I feel like this company might be preying on senior citizens. They attempt to be confusing and state different terms or reasons to deny me each time I contact them. 

The terms I signed up for : To receive the bonus : 1 ) Open a new BMO Harris Smart MoneyTM Account, BMO Harris Everyday Checking, BMO Harris Select Checking or BMO Harris Portfolio Checking account between XX/XX/XXXX and XX/XX/XXXX in a  BMO Harris Branch, by calling XXXX, or by clicking open now above.Well automatically apply the {$200.00} offer promo code when you apply online 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. 
Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer can not be combined with any other offer, is non-transferable and is limited to one per account.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Asked Experian to follow suit by writing a dispute letter to delete an incorrect account and they didnt. Both XXXX and XXXX have deleted the account. Its against the law to report inaccurate information on my report. It had to be the same across all three bureaus

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 2019-12-18
Company: Law Office of Michael J. Scott, PC
State: TX
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:
Contacted by company on several occasions. Ive responded to every letter with specifics regarding the Identity theft, fraud, and police reporting. Now they threaten to sue for debt thats not mine. We will personally visit their office in XXXX and talk to XXXX himself if need be. counter suit will be filed if they proceed with this harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, In XXXX of XXXX, we refinanced our home and had our servicer assigned as Guaranteed Rate. The day we were assigned I reached out about getting and escrow account set up for payment of our taxes/insurance and uploaded copies of our tax/insurance bill to the servicer 's website. I spoke with customer service via chat and via phone and after a month and a half was mailed a letter to open our escrow account. 

I mailed in the initial escrow payment as the letter indicated in XXXX of XXXX and their website showed it was deposited to my account on XX/XX/XXXX. The letter indicated if my initial escrow payment was received prior to XX/XX/XXXX, my updated escrow account and payment would be in effect for my XX/XX/XXXX payment. 

Throughout XXXX, I have reached out to customer service via phone and online chat. I have been told various different responses such as : The website will update soon, I don't see any information about your escrow account, and various different comments that my escrow account would need to be rebalanced even though it already had been at the time of the account being set up. 

As of now, I still show no evidence of my escrow account being set up despite the servicer having my initial deposit and the information on the letter which was mailed to me. Every customer service agent gives different responses and I am not able to even make and additional escrow payment via the website if I wanted to. 

Any assistance would be appreciated. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
HSBC bank has been misleading, unfair and has discriminated against me as a XXXX Veteran. I believe HSBC has violated federal consumer protection laws or regulations. I was enticed by hungry reps into opening another checking account on XX/XX/2020 with a promise of {$220.00} dollar bonus after 3 months of continued direct deposit. Even though I already had a checking account I was misled into believing that if I opened a new checking account I would get a bonus of {$220.00} and approved without an issue. The bank failed to honor the bonus of {$220.00} and now have repeatedly discriminated against myself as a XXXX Veteran. I have tried contacting them and I have been told there is no record of calls, that I was mistaken, and that the offer has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a credit freeze with squid ax 18 months ago. I tried to do a temporary lift this summer and was locked out of the report. I faxed info requested info - DOB, last five years residence, SSN, pic of drivers license ( have transmittal sheet proof it was received ). Called Equifax a couple weeks later sand agent said nothing in system that they received it. So two weeks later ( a month total since my fax was sent ) I sent a letter with copy of fax, proof of transmittal and all info from the fax snd mailed certified to equifax. Its been three weeks since I mailed that. 

They received it a week after I sent it. The letter included request to allow me access to my credit file to to freeze/unfreezes or explain why the are refusing. 

I tried getting into my equifax today ( Sunday XX/XX/2020 ). I am still getting the screen that says there is an issue and to call them M-Fri.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: PA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. 
I will file a police report soon to support this report, please block these item from my credit file.

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 2020-10-24
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received a reliacard from US Bank that I never applied for or need. Called to learn that someone applied for unemployment benefits in Ohio and used my name, address and SSN without my knowledge or permission. Asked US Bank to deactivate the card and delete my attachment to any requests or involvements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 XXXX charged XXXX for a rental car I did not pick up nor use. I went to the ticket counter on XX/XX/2021 three times because they stated they cancelled and voided out the contract but however did not release my XXXX. This is my rent monies they are holding and wont release my monies I gave them. This is fraud. I did not authorize this charge at all. Every day they said they are releasing the funds and have not. Capitalone states they have not released my funds. XXXX gave capital one a verbal by phone, that its okay to release the pending hold and capital still holding funds. XXXX even offered capital one an authorization to release fund and Capitalone still will not release Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XXXX XXXX after my car was repossessed by my lien holder who never disclosed as a debt collector I looked into my XXXX XXXX account for my credit report as both XXXX and XXXX both regularly update my history my score and my report and I saw where it says XXXX loan and it identified as the number XXXX and then under account closed as a charge off and a write off as of XX/XX/XXXX account closed profit /loss and last payment made XX/XX/XXXX And no derogatory remarks and no collection marks So I proceed to call Santander consumer the lien holder/debt collector and ask how is it that they are able to use a car as security on a debt that doesnt even exist? They were adamant about it being a charge of and said itd just the credit bureaus!! So Im not understanding what he means by this did i miss something? I was just informed that he told me that the debt was reported to the shareholders of the company, Im not making this up, and the shareholders are writing it off as a loss of a unfulfilled contract. So Im assuming that since they made the loss a tax deductible loss and the debt no longer exists Im not so sure that I have had my property seized legally and then why on XX/XX/XXXX I dispute the bureau both of them on my credit karma account and find five days later the disputes have been remedied and the result was exactly the same thing, yet on XX/XX/XXXX I was really not happy to see my XXXX  credit report that showed my Santander account to be delinquent not just once in XXXX but 2x yes on XX/XX/XXXX and on XX/XX/XXXX both were reported as delinquent and no charge off no recovery no bad debt last payment XXXX. I have made XXXX $ in payments to that account since XX/XX/XXXX and Ive yet to receive not one call from any debt collection agency not even one! So they told me themselves that they are the one who is collecting the debt yet they say that they already reported it as a loss to their shareholders! And some times when I call them they identify as an attempt to collect a debt and sometimes they dont! So how do I know which one Im talking to? And even since my dispute on my own behalf the reports have made no more change

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage service company started pre-foreclosure procedures even though I am not yet XXXX days behind my payments. I have also filed for a loan modification application before I received the pre-foreclosure letter. When I contacted the service provider they stated that both actions are not related and that I can ignore the pre-foreclosure letter since I have filed a loan modification application which I believe is not correct information. 

The service provider does not provide clear guidance on which articles might be missing and details around the actual missing data as the verbiage used is very generic and confusing. When I call online, every time I get a different person and they tend to be vague in their replies and not sure of what the underwriter is clearly looking for and what I should do next. For example, On one occasion they outlined a payment to a visa card on my bank statement as a transfer to another bank account. As I explained that the this was not a transfer, but a card payment. Finally after back and forth for a couple of days, I had to escalate to a supervisor who stated that it's better to supply the credit card statement to satisfy the underwriter, which I did. On a different occasion, the underwriter will ask for the same document multiple times even though it has been uploaded to their websites which send confirmation of the upload every time it's successful. It usually takes calling multiple times to have the service company acknowledge they got the statement they wanted. I feel sometimes that the delays are on purpose to circumvent the process and cause it to go beyond the allocated period. 

Most of the time I end up uploading the same documents based on what I receive from them. Extremely exhausting process and faulty at best as you do not have one party that works with you directly to solve any missing application items. Currently, I have been calling every day with very few movements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-02-23
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: 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 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 have 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 and XX/XX/2021 I sent a letter ( s ) re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Contact has already been made to the law firm representing this company. I am currently XXXX and have been notified of a certified letter sent to me that was unable to be delivered and notice left at my front door. I currently have military orders and I have proof of XXXX XXXX which will be attached to this complaint. 
With my permission I had someone contact the name on the notice left which led me to our local court where information was given in regard to the certified letter. The letter is about a court hearing or something in that nature. One, I am unable to receive a certified letter, two, there is no way to sign a letter and three, I am protected under the SCRA. 
My orders and proof of XXXX have been sent to the court as well they were informed I am XXXX and will not be able to accept any documents or letters addressed to me as I am not currently in the country. 
My XXXX orders have also been sent to the law firm representing this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
*Attached is debt validation letter that I sent to the company and my XXXX I do not have a contract or any obligation to pay this company nor know how they got my personal information. This account is fraudulent and they stole my personal information which is identity theft. 

PRO COLLECT ACCOUNT # XXXX *PLEASE SEE ATTACHED DOCUMENTATION

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 2018-05-08
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sears has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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