BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The last two years they say my escrow has changed, but they give no notification. They then hold the payment in escrow for in my case 22 days. They said my payment increased {$30.00} last year it was {$12.00}. They hold the money in escrow and due not give interest credit for that time period. I am sure they should be required to disclose all interest that they earn from doing this to thousands of VA loans. Veterans should not be subjected to this kind of fraud. They always say they have tried to contact the borrower, but can not provide proof. This is consumer fraud against our veterans. I am filing this complaint for all veterans who are subjected to this consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax continues to report inaccurate, unverifiable, and non- compliant information on my credit report. According to your last response, you verified my bankruptcy through XXXX XXXX XXXX. Well, I contacted XXXX XXXX XXXX and there are NO bankruptcies listed in their records. So, who are you getting this information from? I have enclosed a copy of the bankruptcy section of my XXXX report and it clearly shows there are no bankruptcies. Immediately delete the bankruptcy from my credit report because it is not verifiable and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2017, I was injured in the job. I didn't go out of work until XXXX. I haven't been receiving an income, however still tried to make the payments with savings. However, at the moment I have no income an will need a month off or real cheap payments. I tried to do that with cashnetusa but was told I couldn't and threats about my credit. Can you please step in to help resolve.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2021, TD BANK fraudulently made a PHONE TRANSFER from one of my checking accounts that contained recently direct deposited Unemployment Benefits which are exempt from debt payment, and used these funds to pay down a negative balance deemed as a debt owed on my savings account. 
I have been attempting to resolve this issue with TD BANK since XXXX XXXX, and have had no issuance from the bank of my exempt unemployment benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against Southwest Credit, XXXX XXXX XXXX, XXXX, TX, XXXX They are repeatedly attempting to collect a debt which has been successfully disputed three times, and is not a valid debt. In addition, they are reporting this as a collection to the credit bureaus and have been doing so since before they even contacted me. Therefore they did not send me the required notices prior to the reporting, even though they obviously had my current address at the time. 

I have repeatedly asked them to provide me with the response letters to those three previous disputes, but they have refused and instead send me copies of old bills - which were successfully disputed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Jon Barry and Associates, Inc.
State: SC
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:
XXXX XXXX XXXX {$140.00}. XXXX XXXX. XXXX XXXX XXXX {$900.00}. PARAGON REVENUE GROUP ALL ACCOUNTS WITH ANY DOLLAR AMOUNT. NEVER AGREE TO PAY ANY DEBTS WITH ANY OF THESE COMPANIES I DON'T RECOGNISE AND HAVENT MADE A DEAL TO PAY A DEBT WITH THAT COMPAMY OR COMPANIES. I HAVE PROOF THAT MY SOCIAL AND ID HAVE BEEN STOLEN SEVERAL TIMES OF YEARS OUT MY CARS OR HOME. I HAVE PROOF AND SOCIAL SECRUITY CAN BE CONTACTED. AND XXXX XXXX   THAT I FORGOT TO ACTIVATE AT THE TIMES. THERES NO PROOF THAT THIS STUFF BELONGS TO ME. I NEVER MADE A DEAL WITH THESE COMPANIES OR PROMISE TO PAY ANY FEE AT ANY TIME AT ANY AMOUNT. PLEASE REMOVE THESE. THESE COMPANIES HAVE UNSECURE WAYS OF RECIEVING INFO AND FRAUDULENT INFO. PLEASE AND THAK YOU. HAVE A BLESS DAY. ALL ACCOUNTS NEED TO BE REMOVE FOR REAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: American Accounts & Advisers, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are requesting {$25.00} for an office visit that never occurred. They sent me a statement of charges, but like I have said, she was not seen at the XXXX clinic that day. I explained if they requested chart notes they would see this. They refuse and say unless I pay they are reporting this to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: SUNTRUST BANKS, INC.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2019/ $ XXXX insufficient credit history-suntrust bank/XXXX XXXX/ federal equal opportunity credit act/

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 2021-03-11
Company: Credit Karma, LLC
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 is missing that should be on the report

Complaint:
I filed my taxes through XXXX and I selected the credit Karma account for direct deposit. Following the information through the website caused an address issue when I tried to set up the account. So I called credit karma customer service and was sent a direct link to setup the mailing of the card. The link also did not work saying my address was not valid and marked as vacant from the usps. When I called back to credit karma they ran me in circles and still did not resolve the issue. Now the problem I am having is due to credit karma website issues now I have federal and state tax return that is now linked to a credit karma account that they can not confirm my address the same address that is on file and up to date and my home valid address. Now I am stuck having to at the last minute see how I can go into my federal tax return with the IRS and change my direct deposit information which is now going to cause an even further delay in the processing of my tax return due to credit karma screwed up website platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been paying on my Chase credit card without fault since opening the account in XXXX. it has an APR of around 21 %, but was mostly at 19 or 20 %. I've called Chase regarding the amount ive been paying toward interest. every month, I pay the minimum amount or more ( currently {$210.00} ), and 65 % of the monthly payment ( currently around {$140.00} ) is going toward interest! not 21 %, which is the actual APR. 

currently, I have a balance of around {$7600.00}, and with a minimum payment of {$210.00}, my most recent statement says it would take 23 years to pay off this account, and I would end up paying a total of around {$20000.00}. 

when I speak with Chase card representatives, they do not seem to be able to explain this at all. 

if you plug these numbers into a debt repayment calculator, a {$7600.00} balance, paid at {$210.00} a month, with a 20 % APR, this shows an estimated payoff time of 53 months ( 4.5 years ), and with a total interest of {$3800.00}, so I would end up paying a total of around {$11000.00}, which is just under half the amount of what Chase says I would pay. 

I would like to be reimbursed for all of the years ( since XXXX ) that I have paid this astronomical apparently 65 % APR, for my account to set to {$0.00} balance, and a more fair 10 % APR instated. 

Interest per year I have paid to date : Total interest charged in XXXX {$0.00} Total interest charged in XXXX {$24.00} Total interest charged in XXXX {$0.00} Total interest charged in XXXX {$620.00} Total interest charged in XXXX {$590.00} Total interest charged in XXXX {$500.00} Total interest charged in XXXX {$1300.00} Total interest charged in XXXX {$680.00} Total interest charged through lifetime of account to date : {$3700.00} 45 % ( the 65 % APR I have been paying minus the 20 % APR that I signed up for ) of {$3700.00} is {$1700.00}. this is the approximate excess amount I have paid since XXXX. ( since the APR changed from 19 % to 21 % it would require further investigation to discover exact amount. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

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 2019-06-18
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: Their investigation did not fix an error on your report

Complaint:
the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed out my checking account with Citizens Bank in XX/XX/XXXX. Unbeknownst to me I had 2 small payroll checks totaling {$440.00} get direct deposited into this closed account on XX/XX/XXXX. Per Citizens, if anything occurs on a closed account within 60 days of closing, they automatically reopen the account, which they did. because I closed out the account in XXXX and chose to go paperless, I had no reason to further check this account, so I knew nothing about the deposit until XX/XX/XXXX when I received notice I owed them {$8.00}. I tried calling the 800 # provided to no avail. On XX/XX/XXXX I received a 2nd notice informing me I now owed {$33.00}. This time I went to local Citizens branch in XXXX XXXX, NH and found out about the reopened account and that I had 2 checks deposited in XXXX of XXXX. From XX/XX/XXXX to XX/XX/XXXX I never heard a word from Citizens, all the while they were taking {$25.00} each month from this reopened account until they drained the original deposit of {$440.00} and now they tell me I owe them money. The account I had with Citizens required a minimum balance of $ XXXX, otherwise I would have to pay {$25.00}. I requested Citizens refund me my {$440.00}, remove any overdraft charges and close the account as I asked in XXXX of XXXX. They offered me {$150.00}, which they would deposit into my account, then they would take the {$33.00} out, leaving me to take {$110.00}. I promptly turned them down and requested to speak to a senior bank employee, to which I was told there was no one to speak with. I am furious that a bank can reopen a closed account, then accept a payroll check, then drain that account by charging {$25.00} each month until there is no money left and have the nerve to then start charging me. I request a full refund of my {$440.00}, removal of any overdraft fees and for them to close my account permanently!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi Bank will reduce your credit limit with no warning whatsoever. This impacts my overall credit score. 

I had great credit. I was a day late on one payment. Citi Bank basically " reviewed '' all of my accounts and reduce my available credit for arbitrary reasons. I have not had any credit problems up until that point. 

I know you will say you should've paid your bill. I understand, I was late one day. They basically have locked my credit down. Made my credit score go from almost 800 to XXXX in the matter of one month over one payment. 

Credit card companies should not be able to do this over one payment.

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 2019-06-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a report is being used to obtain blockage, not contest the accuracy of its reporting is ridiculous. 
Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX-XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 
Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible  stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-11-02
Company: Experian Information Solutions 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:
XXXX View All Accounts Previous Next Details Account # XXXX  Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/2018 Account Status Open Payment Status Past due 30 days Status Updated XX/XX/2018 Usage 100 % Balance {$2900.00} Balance UpdatedXX/XX/2018 Credit Limit {$3000.00} Monthly Payment {$100.00} Past Due Amount {$59.00} Highest Balance {$2900.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX  XXXX  View All Accounts Previous Next Details Account # XXXX   Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date OpenedXX/XX/2018 Account Status Open Payment Status Past due 90 days Status Updated XX/XX/2018 Usage 127 % Balance {$380.00} Balance Updated XX/XX/2018Credit Limit $ XXXX Monthly Payment {$25.00} Past Due Amount {$130.00} Highest Balance {$380.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX  ( XXXX ) XXXX XXXX View All Accounts Previous Next Details Account # XXXX  Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/2018Account Status Open Payment Status Past due 30 days Status Updated XX/XX/2018 Usage 130 % Balance {$650.00} Balance Updated XX/XX/2018Credit Limit $ XXXX Monthly Payment {$59.00} Past Due Amount {$73.00} Highest Balance {$650.00} Terms Revolving Responsibility Individual

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 2021-04-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On Friday XX/XX/XXXX I requested a payoff letter from Select Portfolio Services ( SPS ) to give to my lender for an approved refinancing of the loan I have with SPS. I did this on line to have it sent electronically to me. It was confirmed. I called 2 days later only to have them tell me that request was cancelled in their system. I was told it was reinstated and would take 24-48 hours. I called 2 days later and was then told they see it in their system but nothing has been done. It is now XX/XX/21 I have called and spoke with 5 different representatives and they keep telling me 24-48 hours. Their refusal to give me this simple payoff letter in a timely fashion is jeopardizing my financial well being and the closing of my refinance. I have only spoken with one agent there that seems to have any knowledge of their job. No one has helped me and I have gotten no hands on assistance only robotic programmed answers read from a computer screen. I am contemplating legal action if my refinance is ruined because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: KBHS Home Loans, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The moment I was told I had to pay off my car, and did do us when things started to drift. Which they where trying to make it seem like I was criminally or illegally getting money from else where, when they specifically have all my assets and banks statements shows I do have the funds to pay it off, plus I received gifts from family members to help on my big accomplishment. It just felt like as a XXXX woman or individual I wasnt suppose to be able to payoff my car that easily or Im not suppose to be successful and XXXX. I felt so discriminated against and this needs to be brought to the light on how these lenders do XXXX American people. Its sad, because I have worked so hard to get where Im at to be push down and stomped on. This company KB Home Loans needs their racism and discrimination again XXXX brought to light. The individuals I have experience this horrible experience with are XXXX XXXX, XXXX XXXX, and 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 2021-04-22
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Online Information Services is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

Online Information Services is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I tried to pay the debt for {$100.00} in full. They stated that even though they could take it off my credit, they would not for 3-6 months. Now, within two days, they took my credit down 9 points because they increased the debt amount by {$1.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation