BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: MS
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: SYNCHRONY FINANCIAL
State: DE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/20 a payment of {$180.00} was made to Synchrony Bank. The minimum amount due was XXXX. I scheduled my monthly payments to be made for the minimum amount due, therefore, no payment was due. I called Synchrony the next day, XX/XX/20, and spoke to a representative who said she would contact the appropriate department to request that a check in the amount of {$180.00} be sent to me. She said it would take 7-10 business days. I told her that was unacceptable. I had recently done a balance transfer and Synchrony was paid {$5000.00} and that no minimum payment would be due for awhile. 
I have sent messages to Synchrony through XXXX and received the usual replies, i.e. sorry for the inconvenience, someone will contact me, etc. My communication with them began last Friday, XXXX XXXX. Yesterday a woman named XXXX called me and left a voicemail message. I returned her call immediately and got her voicemail. I left a message. She did not call back yesterday. I contacted Synchrony through XXXX messenger again. They said they would contact her and have her call me asap. Today is Thursday, XXXX XXXX. XXXX has not called me back. I called her again a couple of hours ago and left another voicemail. It is XXXX XXXX on the XXXX. No reply. 
This is a disgrace. The company took money out of my checking account without my permission. I need that money to pay bills.

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 2020-07-10
Company: Experian Information Solutions Inc.
State: NC
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:
I have sent Experian numerous letters and copies of my credit report showing the inaccuracies of accounts that are reporting incorrectly on my credit file. They continue to respond stating the accounts are accurate or updated however, I have shown proof that their investigation was not properly done. The 1st letter was sent on XXXX showing them the below accounts were reporting inaccurately on all 3 bureaus. I sent a 2nd letter on XX/XX/15 highlighting the same accounts reporting inaccurately and letting them know that even after bringing this to there attention they continue to allow the information to report wrong and this is a violation. These are blatant FCRA violations and need to be addressed immediately. The accounts mentioned in this complaint have different date of last activity and date of last payment dates on all 3 bureaus. Clearly inconsistent information shown to Experian numerous times. Attached are the proof as well as the letters sent to Experian showing they failed to conduct a proper investigation.

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 2020-06-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My parents were contacted about a supposed legal action against me for a debt. I called the number they were given on XX/XX/XXXX which was XXXX and gave them the reference number of XXXX. I was told I owed a debt from HSBC and was being sued by another collection company. I have no evidence of the debt on either a credit report from XX/XX/XXXX or XXXX of XXXX. The collection company refused to tell me what the debt was for and claimed I was mailed a notice in XXXX of XXXX, which did not happen. 

I called on XX/XX/XXXX and asked for more company information and was told that they worked for XXXX who buys debt and uses XXXX to collect. I asked for a license number, which was refused. I was told this was from an HSBC credit card and I do not recall ever having a card from HSBC and have no record of one on my credit reports over the past 2 years. I asked to be forwarded to someone with a license number and was told this could not be done as this was not in litigation, which is not what I was told on XX/XX/XXXX. I asked for a validation notice to be mailed to me to show the debt originator and chain of custody and was told it would be mailed in 30 days. I said this was illegal and it was due in 5 days and was told there was nothing to be done. I asked about when the debt was purchased and was told there was no information. 

These people had my SSN, drivers license number and address. Other phone numbers I was given were XXXX & XXXX. I was told not to contact these two companies directly as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Real Time Group, Inc.
State: WV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Real Time Resolutions, Inc. sent a letter RE : Notice if Servicing Transfer dated XX/XX/XXXX. In the letter it states : " You are hereby notified that collection duty associated with the above referenced file, that is the right to collect payments from you, if applicable, is being transferred from XXXX XXXX, XXXX to XXXXeal Time Resolutions , Inc. ( " RTR '' ), effective XX/XX/XXXX. This letter shows a Principal Balance of {$3700.00} with a date of last payment being XX/XX/XXXX. 

The next letter that I received dated XX/XX/XXXX shows an outstanding principal of {$3700.00}. In addition it shows : Principal : {$1.00} Regular Payment : {$1.00} Past Due Amount : {$220.00} Total Amount Due : {$220.00} It also included a " Delinquency Notice '' : " You are late on your account payments. Failure to bring your account current may result in fees. Your account became delinquent on XX/XX/XXXX and, as of XX/XX/XXXX, you are XXXX days delinquent on your account : Recent Account History Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Current Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Total Amount Due : {$220.00}. You must pay this amount to bring your account contractually current. 

I feel that Real Time Resolutions, Inc. is using false, deceptive and misleading practices, and are trying to re-establish this debt. 

XXXX XXXX XXXX made the following statement in a letter dated XX/XX/XXXX : " Please be advised that we can not bring legal action to collect this debt or threaten to do so because the statute of limitations has expired. IF YOU DO MAKE A PAYMENT, we may later be able to bring action to collect this debt because the payment may start a new statute of limitations ''. 

In a letter dated XX/XX/XXXX from XXXX XXXX XXXX they stated : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX   XXXX XXXX, XXXX. and/or XXXX will not sue you for it and XXXX XXXX XXXXXXXX, XXXX, and/or XXXX will not report it to any credit reporting agencies ''. 

This debt was discharged in Bankruptcy in XXXX. 

Real Time Resolutions Inc continues to request a payment every month for {$3700.00} with the most recent being XX/XX/XXXX. 

I have requested Validation of this debt twice from them and have received no response either time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: JPMORGAN CHASE & CO.
State: MI
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:
Dear Sir, I have closed my Individual Chase Credit Card on XX/XX/2018 and also communicated to chase that there should not be any more transactions or any kind of activity on my closed individual chase credit card. I am only responsible to pay the monthly payment for remaining balance. Chase also responded to CFPB that Individual Chase Credit Card has been closed on XX/XX/2018. Surprisingly, I am keeping receiving messages from chase that making changes to closed credit card benefits, which does not make any sense and also unlawful/fraud allowing any kind of benefits or changes to closed credit card. I have only used this card for one balance transfer and I never ever used this card for any other benefits ( any kind of insurance or coverage ). I will be filing official complaint at concerned courts and law enforcement if Chase allows any kind of changes or manipulation to my closed credit card. Chase credit card has been closed dated XX/XX/2018 and there should not be any more further transactions or any kind of activity on this card. If someone used any of the benefits using this individual credit card, it comes under misrepresentation and unlawful activity. I am the only one resident and lease holder of my address and there is noone else associated to my address or social. Could CFPB direct Chase Credit card to issue me a letter that my card has been closed effective from XX/XX/2018 and there are no transactions or no fraud or no unlawful activity or no misrepresentation by anybody or noone used any kind of benefits using my individual credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020, I inquired with my current mortgage company, XXXX/Loancare, about refinancing or dropping the PMI ( {$79.00} per month ) on my current mortgage loan with them. 
XXXX  ordered an independent licensed appraiser, XXXX XXXX XXXX, XXXX, to do an appraisal on my property. This was completed on XX/XX/2020. I currently owe approximately {$210000.00} ( XX/XX/2020 Statement ) on the current mortgage and my house appraised for {$300000.00} on XX/XX/2020. 
I love contacted XXXX  and notified them that it would make more sense for me to keep my current mortgage and use the appraisal to drop the PMI off my current loan.

XXXX   will not use the appraisal they ordered to drop the PMI. I'm being told that I have to pay another {$470.00} for a new appraisal because the initial appraisal they ordered only will apply to a refinance loan. Since the appraisal was not ordered by them for the purpose of dropping my PMI, they will not honor the initial independent appraisal THEY ORDERED for the refinance option. 
This makes absolutely no sense to me at all. They are obviously making it difficult for me to drop my PMI! 
I've spent approximately 10 hours of my time with phone calls to both XXXX and Loancare. Both companies use the same Customer Service contact phone number, XXXX XXXX XXXX XXXX. However, they continue to switch my complaint back and forth to their different " branches '' therefore making it impossible to get either a refund on my Appraisal fee XXXX {$470.00} XXXX or for them to use the appraisal they ordered to drop my PMI and save me almost {$80.00} a month! 
I am currently experiencing XXXX complications and taking care of my elderly mother who is my dependant. The saving of {$80.00} a month from my mortgage payment would help me tremendously with paying my utility bills. 
I have never been late or missed a payment with XXXX  or any other creditor I have, ever! My credit score, according to XXXX XXXX is XXXX with both XXXX  and XXXX  XXXX 
Please make XXXX Loancare, or  whatever company they decide to call themselves ( I've even been forwarded with my complaint to " XXXX??? ) Thank you, 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 2020-06-01
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to connect XXXX to my PNC checking account today. ( XXXX ) Previously I had been able to do this. Now, even with login  and pin, pnc denied XXXX access. 

I haf similar issues trying to connect XXXX  app a few months ago. 

I get not wanting to allow competing financial products access to my money, but it is my money, and I am just trying to send money for funeral flowers and save XXXX $ a month in a side account, these are not big bank projects, or at least not big bank projects that PNC does well. Hence allowing authorized apps access ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
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:
My XXXX XXXX XXXX XXXX account was sent to collections to Portfolio Recovery Associates, and I successfully resolved the account. I was sent a letter and told that my account would be removed from the credit bureaus. My account still shows in the negative section of my XXXX  account as a XXXX balance charge off when this account should not be on my XXXX  credit report at all.

I've contacted Portfolio Recovery Associates numerous times this summer about this issue. I was told by XXXX XXXX that this account should not be on my credit report. I talked to XXXX XXXX previously and I was told on XX/XX/XXXX that this account was in the hands of Portfolio Recovery Associates. I called Portfolio Recovery Associates on XX/XX/XXXXand I was told that XXXX XXXX XXXX now has control of this account again.

Whoever has this account? Can my deal be honored with Portfolio Recovery Associates so this can stop being shown as negative on my XXXX credit bureau account, and be removed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
UNAUTHORIZE INQUIRIES THAT DOES NOT BELONG TO ME

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 2017-09-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I BORROWED {$67000.00} FROM XXXX.. TO THIS DAY THEY HAVE SAID I BORROWED {$210000.00}. MY MORTGAGE PAYMENT WAS {$1800.00} PER MONTH.
I WROTE THEM AND ALSO CALLED THEM AND TOLD THEM I COULD NOT PAYMENT AMOUNT OF MONEY PER MONTH MY INCOME WAS NOT COVERING THAT. THEY TRIED TO FORECLOSE ON ME IN XX/XX/XXXX. I HIRED XXXX XXXX XXXX OUT OF XXXX FL/XXXX XXXX FLORIDA. WE WENT TO COURT OVER THIS MATTER AND XXXX THEN SOLD THE MORTGAGE NOTE TO PENNYMAC LOAN LLC. PENNYMAC CONTIUED WITH SAME PRACTICE THAT XXXX HAD PERFORM CONCERNING HOW MUCH I OWED BACK. THE AMOUNT WAS NOW {$1400.00} PER MONTH. THEY LATER MODIFIED THE MORTGAGE MONTHLY TO {$1100.00}, JUST RECENTLY ( XX/XX/XXXX TO XX/XX/XXXX ) SINCE XX/XX/XXXX I CONTACTED PENNYMAC AND TRIED TO REASON WITH THEM ABOUT THE {$1100.00}. XXXX  BIENG TO MUCH. WED., XX/XX/XXXX IN FORMING ME THAT THEY HAVE SOLD THE MORTGAGE TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX/ PAYMENT OFXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. PENNY MAC TOLD ME THAT EVERY TIME THE NOTE IS SOLD THAT THE BUYING COMPANY ADD TO THE PRINCIPAL MAKING THE AMOUNT OWED GREATER WITH EVERY BUYERS PURCHASE OF THE NOTE. WITH XXXX BACKING PENNYMAC WITH SAME STATEMENT. I WENT FROM BORROWING {$67000.00} TO OWING {$21000.00} PRESENTLY. LOAN # XXXX NOW THE ESCROW THAT I WAS PAYING ING MY PAYMENT HAVE BEEN CANCELED, WITH XXXX XXXX XXXX. IT IS NOW MY RESPONSIBILITY. IF MY ESCROW IS PAYED UPTHEN WHY DID INOT RECEIVE THE OVER PLUS?????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midland credit management. Inc I received a summons for court in XXXX. I called to make a settlement offer. Spoke to XXXX  in attempt make payment arrangements. XXXX XXXX identified during call as a lawyer representing Midland credit management , Inc . I offer a payment plan if was refused XXXX XXXX stated that I owed another debt and would be unable to make offer unless each debt was payed together. I had not received and notices of other debt owed. So this led to a garnishment due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: R & B Corporation of Virginia
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was contacted by Credit Control debt collectors about XXXX XXXX fees. Called my doctor who said that the lab didn't have my insurance, so they reprocessed the labs ordered with my insurance. I have the EOB and that it had done through. Other labs were covered through school insurance under the visit. Regardless of this, collections went through to be on my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: NC
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:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: Frontline Asset Strategies, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is a holder of my debt, I have answered the phone and he was white noise on the other side of the line. I stayed connected for 38 secs saying hello and pushing buttons, the call disconnected. I called back after interrupting my day and ask why I was being called with attitude since they didn't want to speak on the initial call, the rep hung up on me. I called back again and had to explain that I wanted a manager and did not want to speak to anyone else until I reached XXXX, a " manager '' who had no care about hearing the issue from the other representatives or how I was treated, just politely gave me the full name and address of the company, I informed him I would send an FTC complaint, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions 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 tried to remove my security freeze recently via their site page but instead received the following attached screenshot. This has never happened in the past and as I'm currently busy with other things, it's extremely inconvenient that I have to send in this request via mail when before they had already obtained all the information needed for my digital authorization. This has caused monetary damages on my end since now one out of the three credit bureaus isn't releasing my credit score. I will not be renewing their security freeze service going forward. I've also tried calling and seeing if I could talk to a representative but their abysmal phone prompt system led me nowhere and the fact that there was no chat service present wasted even more of my time. Please learn from my experience and don't use experian for their shoddy design and nonexistent service.

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 2022-12-14
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to have PMI removed from my mortgage. The lender told me in a letter that, if I want PMI removed, I would have to pay for an appraisal to determine if my LTV has reached 75 % or less. 

Isn't it true that under the Homeowners Protection Act a homeowner can request cancellation of PMI when the loan balance falls to 80 percent of the original home 's value? 

Original loan amount = XXXX Original home value = XXXX Current principal Balance = XXXX Estimated current value = XXXX I read that if the homeowner can demonstrate that the LTV is <80 %, PMI can be removed. My LTV ( after an appraisal ) should be 79 %

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