BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: JH Portfolio Debt Equities, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
JH Portfolio Debt Equities turn a defaulted debt owed by me to XXXX XXXX  Acct : XXXX to XXXX XXXX, XXXX. This resulted in legal action taken by XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) on XX/XX/2018 to fill a lawsuit against me for {$2300.00}. When I stopped paying I only owed {$780.00}. I initially offered a settlement XX/XX/2018 for {$500.00}. They made a counter offer of {$1800.00}. I asked JH Portfolio to provide paperwork as to how my bill went from {$780.00} to {$2300.00}. I asked if they have and documentation from XXXX XXXX   about my final bill and they said that what they filled and sent me is all they have from XXXX XXXX. I called them today ( XX/XX/2018 at XXXX XXXX ) and offered {$1000.00} to settle and they said no. The offer is {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: NCSPLUS INCORPORATED
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:
Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. I sent a certified verification letter to XXXX XXXX XXXX XXXX on XX/XX/18. I still haven't received a response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Isnt there some kind of statue of limitations on these old debts from 6 years ago? My credit is ruined because Hollaway Credit Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing keeps putting lender placed insurance on my condominium even though I have both association and personal insurance. I have demonstrated this to them with the time limits via their reporting website, EOI, which acknowledged my submission and said if there were problems they would notify me within XXXX hours. They never responded. I also faxed ( and have the receipt from XXXX ), snail mailed and emailed to one of their employees the insurance dec pages. I have telephoned them several times ( I have a log ) and they always say it will be fixed. The charge went off my mortgage bill but has now reappeared, with a back balance of {$580.00}. I can not get them to stop this. I see via an internet search they have already settled several legal cases against them for this very issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Nelnet, Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple debt validation letters to the credit bureaus and the company with the most recent letter dated XX/XX/19. I have never received a written response from the company. Once I submitted the last letter, I noticed on my credit report where they had closed the account and marked it as paid and then 1 or 2  months later, the account was reopened again. I have also contacted them by phone where the representative told me that they did not have nor could they produce a contract that I signed with them. I have tried to resolve this issue for the last year with no avail. However, they continue to report incorrect information on my report without responding to my debt validation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 I uncovered Experiential Proof that TransUnion Employs Systemic Predatory Credit Reporting Practices designed to intentionally harm people. 

I have a lot of credit which I keep below a 10 % Credit Utilization Ratio and pay off all cards every month except for 1 XXXX  XXXX XXXX card that was on a 0 % Promo. 

That promo was set to expire and so I was going to pay it off when I received an amazing offer from XXXX XXXX. 

{$10000.00} at 0 % and no Fees of any kind for 18 months so I transferred my XXXX  XXXX XXXX balance whose promo was about to end and a couple of other small cards plus a principle reduction payment to XXXX XXXX  to round out the {$10000.00} So on Tuesday XX/XX/2021 I paid off {$10000.00} of debt and to my surprise that made no impact to my credit report whatsoever. Not even a 1 point increase. 

My score was XXXX and that is where it stayed. 

Then on Sunday XX/XX/2021 when XXXX card reported to TransUnion, TransUnion dropped my score and incredible 111 points and 2 days later on XX/XX/2021 just for good measure TransUnion dropped my score another point bringing me from XXXX all the way down to XXXX or from excellent don't to Yikes! Don't give this guy any credit. 

Just in time to refi my mortgage and take advantage of the current super low rates. I was quoted 1.75 % on a 15 year and now ... They don't even want me to submit an application until this is corrected because it will be denied. 

It is very clear that TransUnion probably in coordination with the big banks has made this change to their algorithm intentionally to hurt people by causing them to have to pay higher rates on all financial products. 

I have done balance transfers in the past with no impact because obviously they can see transfers are lateral moves that make good financial sense and are an indication of smart money management vs a potential problem. 

I contacted TransUnion and they were not helpful at all. Finally, the rep offered to transfer me to a supervisor who might be able to help and I heard the words ... " I'm not gon na do anything about it '' followed by my being hung up on by the supervisor at TransUnion. 

This isn't right! 

Please help me and the thousands or even millions of good hard working responsible people who TransUnion is systematically and intentionally hurting with their unfair, unjust and predatory credit reporting and scoring practices. 

Thank you ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX we submitted a form to surrender our XXXX XXXX. 

On XX/XX/XXXX the vehicle was picked up. 

On XX/XX/XXXX the vehicle was sold for {$19000.00} leaving a balance of {$8000.00}. 

On XX/XX/XXXX we paid a payment of {$250.00} We cancelled gap and some other extras which brought the balance down further. 

We made {$400.00} in payments XXXX & XXXX we are currently set for 3 more months of {$200.00} payments. Towards the balance. 

Today Chase marked on our credit that this account is in charge-off and that weve failed to pay. Which from the above information WE HAVE NOT. 

On XX/XX/XXXX the balance will be {$6800.00} as another payment is scheduled to draft from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I applied and received a fixed rate visa credit card from Bank of America ( BOA ) XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX ( 12 yrs ) the interest stayed at the fixed rate and never changed. XX/XX/XXXX the interest rate went up 1/2 percent on the full amount owed at than time - XX/XX/XXXX another 1/2 % hike - July again raised 1/2 % and again in XX/XX/XXXX, so you can see the pattern. This rate hike is still continuing.

Keep in mine I was never given notice of the rate hikes and the raised rate was always and still is on the full amount owed on my card.

I been calling BOA in various department asking what justification they have to do this action. The last answer I received ( while sitting in XXXX XXXX, a BOA branch employee office, that the federal government passed a law, XX/XX/XXXX, giving the credit card companies the right to raise fixed rate accounts. Not true - I call the Library of Congress to verify and no such law was passed.

The XXXX  Credit Card Accountability, Responsibility and Disclosure Act mandated that agreements worded with " fixed rate '' be fixed - also requires a 45 day notice to card of rate increase with the increase only applied to charges after the notice date.

There are 3 loop holes to this Act 1. Late payment, 2. Over Limit 3. Intro offer.

I have never been late or over my limit ( have records to prove ) and the original app ( have original ) did not state an Intro offer for 12 years. According to my research into the XXXX CC Act, BOA has violated numerous credit laws, no notice - not adhering to fixed rate - rate increase on full amount - not to mention the numerous lies and misleading information I have received from the company reps, the above example ( XX/XX/XXXX Law change ) comes with a witness, XXXX XXXX was informed of the same information from BOA Card Services.

I have contacted BOA via phone many times asking for answers with no result. I have kept records of the date called, name of rep and excuse given ( too many pages of records ).

I am asking CFPB for assistance in resolving the issue - I would like my interest rate to resume to original agreement with credit to my account on amounts over charged or a valid reason with documentation from BOA to justify raising my rate on the full amount owed with no notice.

Thank You, XXXX XXXX XXXX Contact info - 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 2018-05-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I closed on a HELOC with Santander last fall. It was a 30 year loan with a 20 year draw period and a ten year repayment period. I signed up for interest only payments for the draw period, with an eye towards locking the interest rate at some point. 

On XX/XX/XXXX, I called Santander to lock the interest rate on my HELOC. I spoke with a consumer lending supervisor out of Pennsylvania by the name of XXXX XXXX. 
XXXX explained to me that my interest rate would go up from 5.75 % to 5.94 %. I specifically asked him what my new payment would be and he estimated it at {$500.00} for 15 years. I asked him what the interest rate would be after that period. He said he was not sure and that we would cross that bridge down the road. 

Flash forward to XX/XX/XXXX. I am online looking at my accounts for another reason and I see that my next monthly payment has more than doubled. My payment in XX/XX/XXXX was {$460.00} and my payment for XX/XX/XXXXis {$1100.00}. 

I am surprised and call Santander to find out what happened. It is explained to me then that when the interest rate was locked, this automatically restructured the loan as a 15 year fixed interest rate loan. XXXX XXXX never explained this to me and, in fact, was seemingly unaware of this ( to think he knowingly misled me is ghastly to consider ). Recorded phone conversations will confirm my account. I also never received documents to sign or any correspondence from Santander regarding the rate lock and the terms. 

Conversations with Santander agents were less than helpful. I was told that research could take 5 business days or more and the resolution time beyond that varies. 
On XX/XX/XXXX, when I mentioned to a supervisor named XXXX that I would be submitting a CFPB complaint, I finally made some progress. XXXX called me back and told me she could reverse the rate lock on her screen ( why didn't the several other supervisors and agents that I spoke with realize this? ). XXXX told me that my terms would return to what they were before the rate lock ( which would be interest only payments during the draw period ). The caveat, she explained, was that my XX/XX/XXXX payment would still be {$1100.00}, which is significantly higher than the {$460.00} payments ( there and about ) I am used to. 

Given that the mistake was egregious ( a supervisor either willingly misled me or was grossly negligent in how he handled the rate lock conversation and, then, request ), I do not believe that I should be forced to make the {$110000.00} payment. I would like to have my XX/XX/XXXXpayment recalculated to be an interest only payment based on the original loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a deposit at a PNC ATM. The machine took and counted my money, then canceled the transaction and then the machine malfunctioned and kept the money. This was on XX/XX/XXXX and I have yet to receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
US DEPT OF EDUCATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4600.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2018-11-27
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX also dba XXXX XXXX, XXXX has received several requests from me to validate a debt that they have claim I owe. I have informed this company on several occasions that the debt they are demanding and harassing me for is a fraudulent debt. This debt is not mine and I asked for proof on numerous occasions. This company has failed to prove the information I am requesting, but instead provided a letter stating they are the " owner '' of a " sold '' debt. Midland has threatened to take legal action against me for a debt that does not belong to me. I have yet to hear back from Midland with the information requested as they continue to send " Pre Legal Notices '' and " ownership '' letters to stale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: SUNTRUST BANKS, INC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my current home in 2014. My bank sold the servicing of my mortgage to Suntrust Bank. Up until approximately 6 months ago, we've had no issues with Suntrust. Then, approximately 6 months ago, Suntrust " informed '' us that our escrow amount would be going up based on their internal assessment. They are requesting an additional {$200.00} per month on top of my existing principle, tax and insurance payment. I've discussed this increase with my insurance company and our local assessor 's office and there have been no changes that warrant {$200.00} per month. In fact, in years past we've received refunds for overages in escrow account. I've called Suntrust of several occasions attempting to resolve this issue, but have been told that the increase was " calculated '' by their escrow team and that there was nothing anyone could do about 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 2022-08-09
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened the XXXX XXXX XXXXXXXX and paid an annual fee solely for the chance to obtain the {$400.00} bonus. I completed the 10 bill pays and was not awarded the bonus. It was deceptive that they made the offer available to me when opening the account if I wasnt eligible, even after entering my zip code. I even ask customer service reps and they said I would be eligible and just needed to wait a little longer. It is also wrong that I was sent the bonus requirements and had to sign the sheet knowing the terms where it said nothing about being Pennsylvania exclusive. I am appalled and feel deceit by this level of carelessness made by First National Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Derogatories disputed and verified as accurate on Transunion XXXX XXXX XXXX XXXX {$1400.00} which was sold to XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX   XXXX 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 2020-12-16
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, XXXX, and Experian ). I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. 
Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. XXXX  XXXX Consumer Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. XXXX XXXX-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. XXXX XXXX-Date closed is incomplete, because it is not being reported. XXXX  XXXX Date of last payment is incomplete, because it is not being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: The CBE Group, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX have not verified my information nor did they validate the date. I have NO contract with them whatsoever. still put on my credit report and refuse to verify any information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accounts on my credit file are unverified and unauthorized

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