BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with another lender and closed on XX/XX/2020. The loan with PennyMac Loan Services was paid off on XX/XX/2020. Since XX/XX/XXXX, I have received various letters and correspondence in the mail from PennyMac. However, I have yet to receive my escrow refund. According to their portal, the refund was issued on XX/XX/2020. On XX/XX/2020, I called PennyMac to confirm the refund was in fact sent on XX/XX/XXXX. I spoke with a lady in the escrow department and she confirmed the XX/XX/XXXX date. 

On XX/XX/2020 an escrow analysis dated XX/XX/2020 was made available to me in their portal. On XX/XX/2020, I called PennyMac to inform them that I still hadn't received my escrow refund. I was told I needed to wait fourteen ( 14 ) days. This is upsetting to me because it does not take the mail that long to travel from XXXX XXXX to XXXX. In fact, mail takes about 5 days to go from XXXX to XXXX so why would it take 14 days from XXXX  to XXXX? I also take issue with why in XX/XX/XXXX the amount couldn't have simply been processed as an ACH and deposited directly into my bank account. I believe it is unreasonable to expect me to wait until XX/XX/XXXX for my escrow refund. If it doesn't turn up by that date then I have to go through a stop payment process, wait for the payment to be reissued and I guess allow an additional 14 days to receive the check? Surely a more customer focused remedy can be employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On my XX/XX/XXXX credit card payment statement a total of {$320.00} was added to my account. When I called to inquire I was told the purchase of an XXXX XXXX XXXX XXXX that I purchased at XXXX  XXXX  XX/XX/XXXX and applied on the same day for Barclays Credit Card was suppose to be paid in full by XX/XX/XXXX without interest. What I was not told was that the interest was deferred. I was told by the sales person at the store that interest would be applied after 18 month on the balance. Since my daughter was getting ready for XXXX XXXX XXXX on XX/XX/XXXX I just made the minumum payment not realizing that Barclays was going the charge me {$320.00}. I tried calling them and asking for an extension I even offered to show proof that my daughter was hospilized in XX/XX/XXXX. They said that if I would have asked for the extension prior to XX/XX/XXXX it would have been granted. I even paid {$300.00} on XX/XX/XXXX hoping that they would remove this interest off my credit card. I went from owing {$740.00} to {$1000.00}. It's like I never made a payment to the phone. I even asked if they can reduce the amount by half and they have refused.

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I sent off two two notarized dispute letters on 12/22/20 and 01/22/20. I have not received any update or results from this credit bureau and this investigation has taken over 30 days to resolve. Under the FCRA, if a credit bureau is unable to verify any information on a credit bureau within 30 days of receiving a dispute letter, they must delete the inaccurate information from a consumer 's credit 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 explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The attached letter from XXXX XXXX shows I was not 90 days late in XX/XX/2018 and I was not 120 days late in XX/XX/2018 further while in Forebearance I made payments attached. These entries have ruined my employment credit standing and I am requesting immediate removal of late entries of XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal.com is suspending my account for not providing them with a SSN. according to the IRS I am not eligible to get a SSN and they say that financial institutions can't require a SSN from people who don't have one.

I already have verified my Passport and address with PayPal so they know who I am, thereby Paypal fulfilled the know your customer process. Still they insist on receiving a copy of a SSN card, which I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, I was looking through my credit report and noticed these collections on my file in Derogatory Marks which is all wrong on the collections. First off on XXXX  I am being hit with XXXX XXXX original creditor XXXX XXXX XXXX for {$400.00} I owe them nothing and this was paid off a few years back. I have told these people this countless times and they keep changing companies trying to collect money from me I do not owe. Secondly XXXX XXXX   original creditor was XXXX XXXX they are saying I owe {$740.00} which I also paid off a long time ago so I am unsure as to why this is still on my report. XXXX XXXX is charging me {$3300.00} from XXXX XXXX XXXX. This one I can tell you the story I had bought some phones they never came In and long story short order was cancelled and this was all settled with. Lastly XXXX, XXXX which is working for XXXX XXXX claim I owe them {$50.00} dollars which I also do not ash owe. I gave them XXXX dollars in cash. I do not owe them anything. If they pocketed the money or whatever happened there under the fair credit report 609 I feel I have a solid case in each situation if anybody wants to call me directly on this situation can do so. As I have nothing to hide and I want this situation fixed as soon as possible as it is effecting my credit score in a negative way. I sent the attachments here to what is wrong and on equifax it shows 2 and the other equifax has stated I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CITIBANK During pandemic and my business getting " locked out '' from operating, I applied to get Economic Injury Disaster Loan with SBA. After approval of the $ XXXX, on XX/XX/2020 XXXX funds released this to my bank account ( XXXX ). 

Since XX/XX/2020 My bank accounts with Citibank have been frozen without my consent nor warning. One Personal Checking Account ( XXXX ) {$14000.00}, Another " Personal '' Account ( XXXX ) {$110000.00} where I have kept all my business transaction for rent receivables and payables, and Savings Account ( XXXX ) {$26000.00}. 

As soon as i found out my account was frozen, i have visited ( different ) Branches, called fraud department multiple times. Received a letter from Citibank terminating my bank relations with them XX/XX/2020, stating I have to wait 30-60 days for my funds to be released. Throughout the waiting period, visited branch and called to " expedite '' this process and they have told me same answers over and over, stating they will email the " back '' office and they will reach out between 48-72hrs. Nothing, I get no answers nor calls. Visited branches and they see on their end thy see XXXX check sent to SBA. Called today XX/XX/XXXX and no money have been sent even when it has passed 60 days. 

My business has been incurring interest on a monthly basis, and i have no access to this loan money Citibank is witholding. My personal life, have changed drastically and been hit financially as well- been ultra careful with spendings. Citibank has been absurdly disrespectful and up to now a delinquent for holding some one else personal money and business.

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 2020-05-28
Company: Experian Information Solutions Inc.
State: WA
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 XX/XX/2020 I have submitted my second round of dispute letters regarding inaccuracies pertaining to late payments on the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and the Department of Education/XXXX accounts, additionally my name and addresses are incorrect on my report as well as my current employer ( Should say XXXX XXXX, I have submitted this information to all three credit agencies, Experian, XXXX  and XXXX they continue to publish my name spelled wrong, incorrect addresses as well as unauthorized credit inquiries and late payments. I would like them removed as they are not accurate and are having a negative impact on my score.

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 2018-12-11
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received Shellpoint Modification Trial Offer, agreement. Spoke with Shellpoint by phone asked them to explain the terms of the modification offer. They refuse to give me the details of the modification agreement such as, if the rate is fixed and how many years I will be paying on my mortgage. They want me to sign the trial offer agreement but I don't know what I'm agreeing to. Ask them to give me a the break down of what I'm paying for in my escrow account there reply was they didn't have that information.They are hard to communicate with and unwilling to assist me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: MONEY SOURCE, INC., THE
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have informed the company that they are calling the wrong number ; more than 10 times. This is my work number XXXX. I am not associated with the debt or the Money Source. Again this is my work number I am a XXXX XXXX for XXXX XXXX county I have XXXX  call this number. They are disrupting my work and impeding my ability to provide services. Phone will not stop ringing they call non stop ; today XX/XX/XXXX they called 5 times back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 i sent a formal 609 letter disputing many inaccurate accounts to XXXX, Equifax, and XXXX. It has been well over 30 days and I have yet to receive any correspondence or updates from any of my inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want to access my account by means of another acct however I'm being blocked. Please allow access. This is delaying the management of my financial life. So disappointed, second attempt with no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I obtained copies of my credit reports and I also had my credit report pulled by a mortgage company and to my surprise there was a big difference in my credit scores. I looked over the credit reports and noticed that Sam 's Club cards, though opened in XX/XX/XXXX, they were not reported to the credit bureaus until XX/XX/XXXX. 

One Sam 's account was only reported to XXXX and XXXX. Never reported to XXXX. This same account which was opened in XX/XX/XXXX, was never reported to the credit bureaus until XX/XX/XXXX,  which is almost 2 years of good payment history which was never taken into consideration into my credit score as it was never reported by XXXX XXXX/ Sam 's Club . 

The other account with Sam 's was opened the same month and year, XX/XX/XXXX, which is being reported to all 3 credit burueas but the dilemma is this : though the account was opened XX/XX/XXXX, they did n't start reporting the account to the credit bureaus until XX/XX/XXXX. This a a whopping 6 years of good payment history that is not calculated into my credit score, meaning my credit score could be hight if those years of payment history would have been reported. I have paid higher interest rates, been denied credit due to them not reporting ALL of my timely payment history, which is truly not right! 

The last account is reporting to all 3 bureaus, also opened in XX/XX/XXXX again but not reported until XX/XX/XXXX. 

I have contacted XXXX XXXX and spoke with representatives and a supervisor by the name of XXXX, who have tried to refer me to the credit bureaus, and have told me it is at their discretion as to when they report an account to the credit bureau. They offered for a complaint to be filed which would take up to 60 days, however I have applied for a mortgage and this inconsistancy and failure to report all information has caused me to be denied, as factoring this information in will afford for an increase in my score and an approval.

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 2019-02-28
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I currently am experiencing issues with my car loan.I went to buy my car back in XX/XX/XXXX. I needed a car for a job I had just got hired for so I went to a local dealership ( XXXX XXXX XXXX ) in XXXX, Ohio to see what my options were. This was a two day process. The first day XX/XX/XXXX I went to process paperwork to see what bank would offer me financing.The dealership told me my options which were just two vehicles a blue XXXX XXXX   or white XXXX XXXX both used and they asked to put a {$500.00} down payment for the vehicle I was approved for. The bank that approved me was Santander Consumer USA. Out of the two vehicles I chose the XXXX XXXX XXXX. I didnt get to test drive this vehicle or inspect it before purchasing it at XXXX XXXX. Since XX/XX/XXXX I have paid close to almost {$15000.00} in interest towards my car loan with only {$640.00} towards my principal. I believe Santander Consumer USA is charging me too high of an interest rate. The interest rate I was told I am paying is at 23.17 % with an extra daily interest rate of {$7.00} when my states limit of Ohio is 8 %. I will never be able to pay off my car loan at the rate set.I have been working with the company to try to figure out why my payments never seem to go down but actually increase every month. This has caused me a large disadvantage and I need help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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/XXXX, my credit was run in order to be approved to refinance my house, I was told that I had a 30 days late reported by Macy 's XXXX XXXX card, ( XXXX ). The charge in dispute is a {$23.00} made in XX/XX/XXXX. I did not made this purchase, I called Macy 's customer service, an operator by the name of XXXX answer the phone and promised me the following, order a new Macy XXXX XXXX XXXX Card, refund the {$23.00} back to my account and start an investigation that would result in removing the 30 days late from the bureaus. The first two promises were kept but the investigation, according to XXXX on a subsequent call made today, was not started. She mention that I hadn't file a complaint with their " Fraud Department '' myself. I was told by her that she was going to start all 3 process she promised. Finally I spoke to XXXX at the " Fraud Department '', who mentioned that there was an investigation on the way but not finished, I could take up to 3 months to finish. Until then they would report the Credit Bureaus, if the dispute was declare valid. I am being affected by this mistake and the time they take to resolve it. I am requesting your help on getting an answer from Macy 's. 


Thank you

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my 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 2018-07-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a XXXXXXXX XXXX Store Credit Card where I make minimum payments of about {$32.00}. I recently have gone through financial hardship and I have been late on making a few payments. Was 30 days past due for the month of XX/XX/XXXX and XX/XX/XXXX, 60 days past due for XX/XX/XXXX. Called XXXXXXXX XXXX to see if they can wave a payment but at the time said it was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Experian Information Solutions Inc.
State: PA
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 applied for a credit card from XXXX XXXX on XXXX/XXXX/XXXX. Experian gave them my credit score of XXXX ; which made the APR 24.99 %. I always check my credit scores at the end of every month. TransUnion ( XXXX excellent ) & XXXX ( XXXX Good ). I 'm unable to check Experian 's because they charge a fee ; however I can check it on my credit card statement. I want to know why there is a 70 difference between the three credit report agencies. 

I have worked hard to build and maintain good credit worthiness ; and a credit reporting agency can destroy it by reporting negative information. On XXXX/XXXX/XXXX, I contacted XXXX XXXX and they directed me to Experian. Contacted Experian and was told that they would send me a copy of my credit report. I went on line and got my report and there was nothing on it to give me a LOW SCORE. 

Someone needs to investigate why credit bureaus can do or say whatever they want to about a person that can destroy their credit worthiness. 

PLEASE SEE ATTACHED DOCUMENTS. I will be mailing a hard copy of my dispute/complaint to Experian, XXXX XXXX XXXX XXXX, XXXX, TX XXXX - per the internet.

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 2019-11-12
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019, we submitted an application for loan modification in anticipation that we would soon be struggling to pay the mortgage. As of this date, XX/XX/2019, the application is still being processed due to ongoing delays by the mortgage company PHH including claims of not having received proper documentation then retractions of those same claims. In addition, on XX/XX/2019 we were served with a complaint made in civil court by PHH 's attorneys seeking foreclosure of our property. The most recent correspondence received from PHH was dated XX/XX/2019 confirming, once again, that the modification package is being reviewed. We feel we have become victims of dualtracking.

Company response to consumer: Closed with explanation