BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is against Penny Mac Loan Services. 

Last year my house flooded due to a pipe break caused by a storm. At the time the insurance company underpaid the insurance claim by over {$60000.00}. It took a year to get resolved but we finally got a settlement for {$32000.00} on XXXX XXXX XXXXXXXX. On XXXX XXXX XXXX I called Penny Mac to state we received our settlement amount and that we had completed all repairs. At this time we were currently going through mortgage modification. 

I called in on XXXX to inform Penny Mac that we have a settlement but no checks yet. I asked to have an inspection on the home since we completed all repairs on the home. At this time I was told they could not send out an inspector until we received the checks. At the time I joked and said " I hope a storm does not come through and redamage the home. '' Hurricane XXXX hit and damaged the home with rain water intrusion and broken windows. I received the insurance checks on XXXX. I contacted Penny Mac about releasing the funds to me. It was denied because they wanted to do an inspection. I told them the work had been completed already. 

I have been having weekly conversations about the exception to have our check endorsed. Penny Mac was inconsistant with the needed documentation. We provided everything we could over a 30 day period. Finally on XXXX XXXX we were told that we can get the check endorsed as long as we sent over the settlement documents and the check with a prepaid envelope. We followed the instructions but this was just a ruse to get us to send in the check. Once we sent in the check we were told that it was not going to be endorsed and sent back. That the funds would be paid out AFTER ALL THE NEW DAMAGE WAS REPAIRED. 

Because they told us that they were going to endorse and send back the check immediately we moved forward on other options within our home and used reserve funds to get things completed. Now it could take months or years to get our money back from the bank. 

This is currently causing a loss of {$14000.00} per day for my business because I do not have the funds that should be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Westcreek Financial
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Hi Team, I came across a furniture page on XXXX. They said they have a physical store in a location that I will share. They said I can pay via financing so they shared me link of Koalafi ( Formerly West Creek Financial ). I applied and was approved for $ XXXX. They placed the order and said it'll take few days. Upon repeated calls, messages etc he told he can't deliver the order and will take additional month! I said in that case I would like to cancel my order as I was relocating and wanted furniture for my whole house. He said okay but then I called Koalafi to cancel the loan but they said they'll only cancel once that store owner calls and cancels. I called him again but I ended up being block on all the platforms. I have already made few payments to KOALAFI and they are not cooperating with me. They said they can't do anything despite the fact that they are the ones doing direct business with them. 
As a customer, I never knew what loan service he is providing me and I assumed that if Koalafi is working with a store manager it should be legitimate because I worked with Koalafi in the past and had the best experience. There must be any way to resolve such disputes rather than asking customers to call Store directly esp. when they are not responding in any way ( Call, Email, XXXX nothing ). Also it is mentioned that Koalafi release payment to merchants once the items are marked delivered which in any way wasn't marked by me. Just like a credit card dispute I was assuming Koalafi would assist me but their customer service hung up on me and said I need to pay all the payments until that store calls and cancels the order. I am calling them for the past 1.5 months and there is absolutely no one helping me and extremely rude including their supervisor. We all know this is not how a dispute works. 

Can you please help me sort this out? I have almost $ XXXX loan due for something I never even received. I am very stressed out and have no idea how to resolve this. Your help will be really appreciated. 
Furniture Store : XXXX XXXX XXXXXXXX Contact No : ( XXXX ) XXXX Koalafi Loan No : LOAN # XXXX Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
At the end of XXXX XXXX I called customer service about the annual fee shown on my credit card statement. The agent said they were unable to waive the annual fee at the time but wanted me to reconsider keeping the card. The representative said that if I paid the fee but decided I wanted to close the card within 90 days, I could have my annual fee refunded and close the credit card at that time. I called again in XXXX to close the credit card since I could not use the benefits any longer. However when I was talking to the agent, they said that they would not refund the annual fee. I told them that I was instructed by the previous customer service agent that I would have 90 days to close the account and get my fee refunded. The representative was adamant that I was wrong and said there was nothing that could be done. I ended up closing my account and Chase was able to trick me into paying an annual fee for a card I do not want to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Emergency room visit for 3 hours and got {$15000.00} bill. Refused to pay. Date of Service XXXX/XXXX/XXXX. Hospital wrote it off on XXXX/XXXX/XXXX. Commonwealth Financial Systems started harassing me and reporting me to credit bureau XXXX. The debt has been charges off since XXXX. They are attempting to collect a debt that does not exist. The debt was turned over to my attorney and I assume he had it reversed. I want the prosecuted and fined for their illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My spouse received a phone call on XX/XX/2021, from XXXX XXXX XXXX  regarding an application that was submitted under my personal information that they had suspected was fraud due to my spouse and I already have an existing account with them. 
I did verify it was from identity theft. 
I then checked my XXXX XXXX app to check my inquiries to find I had roughly 5 inquiries showing on my report within a 2-week period. Along with letters received in the mail from 2 different banks not noted on my credit report. I have disputed all of the inquiries with each creditor. I have had some inquiries removed. 

XXXX XXXX ( travel & entertainment ) inquiry posted XX/XX/2021 on XXXX-I 've called them at least 2 times. First Representative I spoke to in end of XXXX or early XXXX stated fraud will be noted, and inquiry removed on XXXX. Second Representative stated that fraud was noted and was sent for review. I'm still waiting if they will remove inquiry. 

XXXX XXXX  ( card service ) inquiry posted XX/XX/2021 on XXXX I've spoken to a Representative to notify identity theft. Rep mentioned the account will be closed and the account would be investigated. They haven't removed inquiry from XXXX. 

XXXX XXXX XXXX  inquiry posted XX/XX/2021 on XXXX I've spoken to Representatives on several occasions. Most Reps stated they closed the account and noted it as fraud but couldn't help remove inquiry from my credit report. Stated that I must contact Credit Bureau to have inquiry removed. Whomever stole my identity reported employment with XXXX. I've never worked for such company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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 information incorrect

Complaint:
the bureaus are reporting this account XXXX inaccurately, i have written the bureaus over a year, wasted time and money, and as you can tell by my documents, they still are on my reports. The fcra says they must report accurately, and they just ignore the laws for consumers, i am a single om, trying to survive in these challenging times, and i am forced to spend time and money, on something this simple. EXPERIAN AND XXXX are the bureaus that are, leaving this document in my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: American Collection Systems, Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was working with American Collection Systems , Inc up until XXXX of XXXX which is when I lost my job and had spoke with them to let them know. They then told me to get back in touch with them when I got another job, which I just recently got a new job. Then I guess they contacted the Circuit Court here in XXXX, Wyoming back in XX/XX/XXXX to get a Writ of Garnishment, which was granted them on that day. However, I was not sent this paperwork for a month and a day XX/XX/XXXX after they had gotten the Writ. I didn't receive the paperwork in the mail until XX/XX/XXXX and it wasn't mail certified mail, nor was it served upon me by a sheriff. They took every penny of money I had in my account on XX/XX/XXXX, the day they mailed the writ. I contacted them on the XXXX of XXXX to find out what was going on and was told they did this because I didn't contact them every month after XXXX to let them know I still didn't have a job. Again, though I was told to contact them when I got a job not that I had to call them every month to tell them the same thing. Also, I have another creditor that is already garnishing out of my account at this time. Also, when I spoke to them on the XXXX I was told that my balance was {$30000.00}, but on the Writ it states {$17000.00}. And last year it was supposedly {$19000.00}. So their numbers aren't adding up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-30
Company: CITIBANK, N.A.
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:
I have XXXX companies on my credit report that should not be on there. I have XXXX credit card and have never applied for a XXXX, XXXX, or CITI card in my life. I think this is fraud but I do n't know who to contact. 

XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, FL XXXX Unpaid balance : {$70.00} CITI-XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unpaid balance {$26.00} XXXX ACCT # XXXX XXXX XXXX XXXX CITIBANK XXXX XXXX XXXX XXXX XXXX, SD XXXX {$26.00} XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Unpaid balance {$130.00}

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 2017-05-23
Company: SECURITY FINANCE CORP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have been receiving calls after telling t he manager I a m trying to file bankruptcy and she will not stop calling me it has caused me to lose a job and my mined I have not been able to get the money for a lawyer because I lost my job I do start a new job  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 2021-06-10
Company: EQUIFAX, INC.
State: FL
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:
Hi, I hope you are doing great! 

I do not recognize accounts in my credit report. Please take a look and let me know what to do with them. I file a report and I hope that this situation will be resolved shortly. These items killed my score and all my XXXX  activities just stopped. Its not fair and I asking for your help here to tell me what to do and how I can remove these fake accounts from my credit report. I am obviously victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Convergent Resources, 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:
I was contacted regarding this debt in XXXX of XXXX, the debt collector spoke with my wife, however I was present. We were informed they received this account in XXXX of XXXX and that it had not been reported on my credit report as of yet. We explained this was incurred due to XXXX our new phone company not paying off our account as we were told they would. It was still suggested we pay on the debt in the meantime to avoid it affecting my credit. We were told since we were making arrangements early on it would keep this off of my credit report. We scheduled the first payment for the end of XXXX XXXX, XXXX/XXXX/XXXX as it was stated something would be needed in the month of XXXX to secure the agreement. The first XXXX payment was for XXXX/XXXX/XXXX for {$75.00} and has been paid every two weeks for {$75.00} by automatic withdrawal. So XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX all for {$75.00}. Now imagine my surprise when I pulled my credit report on XXXX/XXXX/XXXX and not only seen this account on my report when I was told it would n't be, but also it is reporting late when I have made all scheduled payments as agreed! My wife called in my presence on or around XXXX/XXXX/XXXX and received very rude service. She spoke with two people who both stated that payments had been received and on time, but since they are collecting for XXXX and the XXXX account is not in good standing since it was sent to collections this is why the account has a negative standing. They stated they are reporting the payments, but have no idea how the credit bureau puts out info. My wife said the CB can only report what you tell them, but they insisted it was not their issue to correct and we should call the credit bureau. Of course I understand I am not in good standing with XXXX, but convergent should be reporting the on time payments to convergent that are being made. It is clear to anyone a collection account is a negative thing, but you dont get to report on time payments as late to punish a consumer. Included are bank statements for the dates listed above. Please note the payments listed under XXXX, which also has their phone number listed. Also I have attached email statement notices from Convergent. I can not go all the way back to XXXX as their links expire in 90 days. Also a copy of this item on my 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 2017-10-30
Company: Diversified Consultants, 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:
Diversified consultant 's is still reporting a debt for XXXX XXXX Account # XXXX to XXXX that should be removed. They agreed to remove account completely from credit report which they did on, XXXX, XXXX but still showiing on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from a collection agency called Commonwealth Financial Systems on XX/XX/XXXX. The letter was dated XX/XX/XXXX. I sent them a letter asking for validation on XX/XX/XXXX. which I will enclose a copy of all correspondence with all parties within the request. The letter was received by them on XX/XX/XXXX via USPS. Commonwealth Financial systems illegally added this onto my credit report on XX/XX/XXXX. They have not sent me anything in regard to validation. Under the FDCPA, it states that the collection agency has to wait a full 30 day period before furnishing information to the credit bureau. They did not. They illegally added it onto my file to damage my credit to get me to pay an unverified debt. I called them and spoke with XXXX XXXX ( A customer service representative ) and XXXX XXXX A manager that did not disclose his last name ) and explained that this was illegal for them to do. I asked them to remove it today and they stated that they do not add or remove accounts. Then XXXX switched up her statement and stated that they never added it to my credit report, however, I have proof that they did. They said they may send a request to delete it from my file, but they did not want to provide me any paperwork disclosing that or confirming their promise. This is hurting my credit rating because I am buying a home which is now causing me to have XXXX and emotional distress. They knew that they illegally sent this over to the credit agencies to scare me into paying for the debt that is not mine. I spoke with XXXX and they stated that they did not receive anything from them and advised me to dispute it. I disputed it under Identify theft since I have not been at a medical center in 2019. I spoke with XXXX from XXXX at XXXX XXXX and he did not help at all after I explained that commonwealth Financial systems broke the law. I plan on suing both XXXX and the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved for a short sale with my Lender Ocwen on XXXX/XXXX/XXXX and have the approval letter for the short sale from Ocwen and a copy of the Final HUD-1 closing statement showing I was the seller. However, I have proof that XXXX is reporting this as a foreclosure on my credit report. This is reporting in error as this was NOT a foreclosure it was a short sale which only has a 4 year waiting period after the short sale to get qualified for a new home. I am trying to purchase a new home and because of XXXX reporting Ocwen as a foreclosure I am unable to get conventional financing and purchase a new home at this time. I need to get Ocwen to fix this with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: NJ
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 received a copy of my credit report. It showed 2  credit inquiries made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX on XX/XX/XXXX and XX/XX/2018. I sent them a USPS Priority Letter disputing the inquiries. My letter was returned undeliverable RETURN to SENDER. These inquiries must be deleted.

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 2017-10-30
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is unable to prove who owns my student loan ( XXXX XXXX XXXX XXXX XXXX issue recently seen in the media ). They have been collecting regular payments from me since XXXX XXXX, and over half of the payment amount goes toward interest. If myself or my loan servicer ( Navient ) does n't know who my loan belongs to, how do they know how and where to allocate the money they collect from me every month? They are collecting interest illegally.

Company response to consumer: Closed with explanation