BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-18
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hey CFPB, I currently have my refinanced XXXX XXXX with a company called XXXX XXXX, and have been with them for about 4 years now. The interest on my loan is assessed daily, which is fine, but XXXX does not process scheduled payments daily. Whether it is a reoccurring payment or selecting the earliest payment date for a one-time payment, XXXX will leave my payment in pending status for at least 2-3 days every time and continue to accrue interest, which is about {$25.00} per day for me now ; it was more previously when my balance was higher. I do not think XXXX is engaging in fair practices and they definitely did not accurately disclose that this was how they process payments when I refinanced with them. XXXX should not be allowed to continue to accrue interest on my loan and any others just because they leave payments in pending statuses for extended times. If they can not process on the date that they offer as the earliest available or scheduled date, then they should not leave them as an option. Currently I have a payment scheduled forXX/XX/XXXXthat still has not been posted to my account, today isXX/XX/XXXXXX/XX/XXXX( a Sunday ) so now it will be a minimum of 4 days before I receive credit for a one-time payment that XXXX can not deliver on. 

Can you please look into this? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I refinanced my home back around XXXX of 2016 I was told by wells fargo that to remove my PMI I would need to either allow my payments to reduce balance to 78 % or if my home value improves I could order an appraisal and if the loan to value was at 78 % or lower I could have my PMI removed. I recently just paid for an appraisal through a credit union who uses a third party vendor. My appraisal came in with enough value to have my PMI removed. So I sent in my appraisal and now wells fargo says its not valid because it was n't through them. Not once did they inform me that it needed to be ordered through them. I also spoke with two representatives within the last 2 weeks about sending in my appraisal and they asked why and who i was getting it through. I informed them of possible home equity loans through other banks. They said okay and to send it in once I have it. They provided a fax number and notified me that once its received and reviewed my PMI would be removed. Now im being told my appraisal I paid for is not valid and that they are not removing my PMI. I would like to file a compliant for unfair and deceptive practices. They had opportunities to tell me before that other lenders appraisals do n't count even though they used another lenders appraisal for my home loan when they took over the servicing on it.

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 2017-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has repeatedly called me from multiple numbers after I 've blocked them every time and have told them not to contact me anymore. They say they are attempting to collect a debt. I told them I did not have an account with them and I have n't signed any contracts with them. I told them that they have been harassing me and I had asked him to stop calling. When I asked to speak to a manager they would not let me speak to The manager so I can be their call list. This has been going on for over a year and I have multiple numbers on my block list from Family trying to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Experian Information Solutions 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:
Good afternoon CFBP I'm sick of Experian credit reporting agency! These Folks needs to be Taking down by the CFPB & FTC  I was going Over my credit report today I noticed a XXXX XXXX XXXX  account has serious 3 FCRA Violation account has been charged- off Experian is reporting but Not Showing who the account was sold to? VIOLATION # 1. XXXX XXXX XXXX  is no longer The owner of the account VIOLATION # 2 THE ACCOUNT IS STILL SHOWING A {$5400.00} PAST DUE BALANCE HOW THE XXXX DOES a charge OFF ACCOUNT HAVE A PAST DUE??? EXPERIAN????????????? 
VIOLATION # 3 ACCOUNT IS STILL SHOWING A BLANCE TELL ME HOW A CHARGE OFF HAVE A BLANCE AND MOST OF ALL XXXX XXXX XXXX WOULD NOT BE ABLE TO REPORT THE BLANCE IF THEY SOLD THE ACCOUNT EXPERIAN MOVE THIS FROM MY CREDIT FILE TODAY YOU LUCKY I DON'T SUE 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 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Trans Union reports I am employed "XXXX XXXX" I do not work at all. They also refuse to remove outdated information. They also allowed my credit report to be accessed without asking me first after placing a freeze. I tried to contact them when I was denied access online only to be asked to "purchase a credit report" and I will not continue to pay for their deliberate errors and mistakes. 

I contacted Attorney Generals Office, State of Alaska and requested assistance with a phone access number for a live person, and was told that I could fill out a form at home and mail in. 

I am XXXX XXXX and need help sometimes and feel when government offices allow these agencies to continue to abuse consumers protective rights they need to be made to conform. They do not have a local office in Alaska to my knowledge and they should be forced to provide consumer access via live phone "(area code) XXXX" so consumers can address needs and there are "dual" records to deal with compliance and help consumers deal with their "deliberate negligence", trying to force us to buy products.

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 2019-05-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have water damage to our home and the insurance company made the check payable to Pennymac and the flooring company. After several months the mortgage company is still refusing to endorse the check over to the flooring company. We ( myself and the flooring company ) have done everything the mortgage company has asked. The mortgage company keeps saying one thing and then changing things the next time you call. they even told the flooring company that they called me and I cancelled an inspection of my house and that is why they could not endorse the check. NO ONE from the mortgage company has EVER called me. This is so frustrating and I have spent way to much time dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX  placed a notice on my credit report with XXXX stating that I had an account in collection from XXXX XXXX XXXX XXXX. I contested this item on XX/XX/XXXX because I had always paid my XXXX XXXX XXXX   account on time and in full. As a result, the XXXX XXXX item was removed from my credit report.

Then on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX placed a notice on my credit report with XXXX stating that I had the same XXXX XXXX XXXX   Account in collection. I contested this item on XX/XX/XXXXbecause I paid my XXXX XXXX XXXX account on time and in full, and because the item had been removed from my credit report. As a result of of my dispute of the item, it was again removed from my credit report on XX/XX/XXXX. On XX/XX/XXXX -- in spite of the item having been removed from my credit report two times previously -- XXXX  XXXX XXXX again put same adverse notice on my credit report.

I have again disputed the item, but I should not have to keep doing this. XXXX XXXX XXXX is violating my rights under the Fair Debt Collection Practices Act and is damaging my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Filed a dispute about XXXX XXXX took trans union more than 30 days

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 2019-05-06
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:
Following a review of my credit report at the XXXX, Experian and XXXX   consumer reporting agencies, I determined that said reports contained a XXXX  XXXX XXXX mortgage loan - under account number XXXX - that was closed more than seven years ago. I initially disputed the account as antiquated to no result. Not only did XXXX XXXX XXXX ignore and reject my complaint, they did not respond to my complaint at the credit reporting agencies. 

I filed separate disputes to XXXX, Experian and XXXX. Each dispute was summarily rejected as frivolous. The negative and antiquated XXXX XXXX XXXX account remains on my 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 2018-03-18
Company: Sound Collection Services
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2016 I moved out of XXXX XXXX XXXX XXXX XXXX, I had over paid an extra months rent. After moving to the other side of the US I saw that I had a collections waiting on my credit report. I called and they said that they mailed me the letter but it was returned to them and on top of such I was not being refunded any money but then being charged more money. They now want {$1600.00} to the sound collections company. I have still yet to receive anything physical about this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX IS REPORTING LATES INACCURATELY ON ALL THREE CREDIT BUREAUS.THE ACCOUNT NO. IS XXXX.ALL 3 BUREAUS HAVE VASTLY DIFFERENT REPORTS YET ALL 3 BUREAUS VERIFY THEM AS ACCURATE.I have attached credit reports pulled within the last week for proof. 
The problem stems from the XXXX pay online site, the auto-pay, and the security systems of my banks who have systems in place to claw back large pymts. made on-line to XXXX.The vast majority, almost all the late payments can be attributed to this system.XXXX and XXXX have been the only co-operative bureau.Even though the XXXX dollar payment is large I earn enough to handle 6 payments or 6 cars.The problem is the banking system that recognizes legitimate payments as possible fraud and asks them back from XXXX and XXXX gives them back and destroys my payment history.I would like my payment histories removed or altered to reflect the fact of the on going banking security problem that I have nothing to do with or are notified about in a timely way to avoid the late payment history.The FCRA entitles me to fair and accurate reporting, yet looking at the attachments here you can see that that does not occur.

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 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX  and i have a inaccurate account on my credit from XXXX XXXX XXXX. I have already resolved this issue by directly with the company and i was removed but somehow transunion added it back to my credit report. I think transunion is purposely keeping XXXX XXXX  people credit score down so we cant get approved for anything. My credit card being paid on time increases my score by 1 point but if someone runs my credit it decreases it by 3 points. That doesnt make sense. My scores with XXXX  and XXXX are like 50 points higher than transunion and the inaccurate info for XXXX XXXX   was never added back to my credit report after the dispute was complete. Please investigate this is not fair

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 2019-08-21
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: Was not notified of investigation status or results

Complaint:
After doing several disputes with Experian and XXXX  I am still not getting the investigation that I asked for. By all three companies not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all three companies and the Creditor asking for validation. The information was completely ignored from creditor XXXX. All three creditors failed to do an investigation before reporting false information.

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 2020-05-03
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX XXXX XXXX XXXX has not sent me my Tennessee unemployment card. It should have been here weeks ago. What is so frustrating is that their website does not have any type of email assistance and has no chat and I've been on hold for hours trying to call customer service. There is literally no way to reach them I can't even report the card lost or stolen because I don't have a card number to give them how can I give them a card number if I've never received the card. This is beyond frustrating and something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: CITY NATIONAL BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have an active City National Bank Visa Infinite Credit Card. As part of the agreement, I earn reward points for travel purchases. 

The bank has engaged in unauthorized/fraudulent deductions of the reward points balances : In XX/XX/XXXX XXXX reward points were deducted without my permission or knowledge In XX/XX/XXXX, XXXX reward points were again deducted without my permission or knowledge. 

I have contacted the bank and banking representative XXXX XXXX, Tel : ( XXXX ) XXXX | Cell : ( XXXX ) XXXX XXXX in regards to this issue at least 3-4 times and I have not received a resolution from the bank. I was provided with a claim by the bank that these point deductions relate to fuel/gas pump transactions. While those fuel dispensing charges are valid, no point deductions were authorized as part of the fuel transactions. 

Attachements : 1. XXXX = This shows unauthorized point redemption activity on the XXXX Statement 2. XXXX = This shows unauhtorized piont redemption activity on the XXXX Statement 3. XXXX = This is a receipt for the transaction for fuel charges that the merchant states is associated with point redemption ( this receipt or invoice does not reflect any point redemption )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My bank sent a loan proceeds check to pay off an account with Synchrony Bank and close an account. The account was paid in full and closed ( receiving a closed account letter ) and 35 days later Synchrony Bank said the payment was returned. They cant tell me where it was returned or why. My bank XXXX has called Synchrony several times explaining they didnt return the funds. I have been trying for 5 months to get it resolved. I have spent about 14 hours on the phone trying to resolve this and NO ONE at Synchrony can help 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 monetary relief
Consumer complaint received 2018-03-18
Company: Nationwide Recovery Systems, Ltd
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report I have noticed that XXXX XXXX XXXX has placed two accounts on my credit file that I have no knowledge of : XXXX XXXX XXXX XX/XX/XXXX {$1200.00} and XXXX XXXX XXXX XX/XX/XXXX {$1200.00}. By law this company is obligated to inform me of this debt by writing. I have never been contacted by this company. I have no knowledge of these accounts and have not signed a contract with either three companys. I am requesting that this company remove these accounts immediately and prove to me by writing with my original signature that these accounts belong to me. I have not signed a release form for my medical records to be released. If this company is in possession of my medical records or violate HIPAA. I will file suit against the company and its clients. I have been advised my attorney to take immediate action if these accounts are not removed from my report. Because I am a victim of identity theft I am requesting that this issue to taken care of immediately. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: M&T BANK CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Filed XX/XX/2018 to get issue corrected. Says im still reponsible

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 2019-05-06
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to get a loan modification from SLS ( SPECIALIZED LOAN SERVICING ) My hardship started when both my parents got sick. My father had XXXX XXXX and My mother was diagnosed with XXXX both at the same time. My father and I have owned a company for over 30 years. My Father could not continue to work any longer. They were both put in XXXX at home. Both my sister and I were there to care for them as their health started to rapidly get worse. I was unable to work as both my sister and I would switch off taking care of them. In XXXX of 2017 my parents XXXX XXXX  11 days apart. Since then I have had to file Chapter XXXX. With being so behind on my payments I have a XXXX regular mortgage payment and a XXXX Chapter XXXX payment. Roughly XXXX per month. So far I am keeping up however being self employed I do not know how much longer I can do it. If SLS sees that I am making both payments why wouldn't they help me with a loan modification so this would relieve some of the pressure? I have put almost XXXX worth of work in my home and don't want to leave. I would hope that they would give me a shot at a loan modification. Have a little heart and see what I have been through,

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 2020-11-12
Company: THE MONEY HOUSE, INC.
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Have file several complaints with XXXX and the company denies my rights as a Veteran and civil rights as an American citizen.On XXXX XXXX2020 the realtor XXXX XXXX came by and he draw up an offer on the property that is the focus of this complaint.The realtor is so competent that he and Moneyhouse failed to observe that the sales contract is not valid.I never signed the contract yet my signature appears as both the buyer and realtor.Explain that please.Moneyhouses representative states that the transaction took under 90 days.Involation of realtor codes on XXXX XXXX2020 via a text message he asking me for documentation for the mortgage transaction.Through out this process XXXX has done the leg work for the company.This process is never ending and Im not able to move in.I have to spend a lot of funds on the property.The VA ordered an appraisal but no home inspection was done.In bogus documents from XXXX there is a policy for {$190000.00}. When after the he had send me a policy for $ XXXXface amount.Both policies had the same coverage date.Now I have {$350000.00} in coverage.Never have dealt with such scoundrels.

Company response to consumer: Closed with explanation