BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-09
Company: Community Health Investment Company, LLC.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
two things. 

1. I have made approximately 800.00 in payments towards a medical bill yet the balance has only gone down by XXXX. ( the bills barely a year old and has only been being handled by this firm for 8 months, the interest on XXXX USD does not come anywhere close to explaining this ). 

2. ) I've made payment arrangements with the hospital for XXXX per month, yet on two occasions now, when I log in ant attempt to make payment, they refuse payment and demand 2 - 3 times as much as a " minimum payment required ''. They refuse to accept the previously agreed upon amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX Inquired on XX/XX/XXXX, JPMCB - CARD SERVICES Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since PenFed have switched to their new mortgage system I have had nothing but problems. I am filing this complaint at the request of a PenFed agent as they dont have any control over these issues and are unable to assist me further. I am no longer able to make payments online so each month I have to call to make payments. I have put in 2 service tickets to get this issue fixed but as of today I still can not make online payments. 

The first payment I made with an agent over the phone on XX/XX/2020 was drafted incorrectly from my XXXX XXXX account instead of my PenFed account as requested. This left my XXXX XXXX account over drawn until they returned the payment resulting in a returned payment fee. 

The second payment was made on XX/XX/2020. This payment did draft out of my Pen Fed but according to the pen fed agent didnt post correctly resulting in late fees. All the agent was able to do was put in a request to have the late fees waived and have the payment reapplied correctly. 

Additional concerns are : Why arent customer service agents able to make changes to mortgage accounts? Anything from making a payment to changing something on my account has to have a request made and sent to someone else. 

Why does it take more than a day to make internal transfers from my PenFed account to my PenFed mortgage? Before the mew system this was an instant process.

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 2017-09-21
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a collection agency named Crown Asset Management LLC through my employer. They sent a notice to attempt to garnish my wages. I have a problem with this on many levels. # 1.  This debt was paid by my husband nearly 10 years ago. # 2. Even if there were funds owed on this account, the statute of limitations have expired, and this company no longer has the right to sue for this debt. # 3. They are violating my rights under federal law XXXX Fair Debt Collection Practices Act ) and state law XXXX Georgia state statutes on debt collection ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: FCI Lender Services Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I contacted the CFPB about a problem I was having with my mortgage servicing company, FCI Financial Services , Inc., XXXX, Ca.My loan had been modified, but, the loan statement never was updated.In XX/XX/XXXX, the CFPB got a letter from FCI stating that the loan had been reworked and I was to continue paying new balance of {>= $1,000,000} to be paid in full by XX/XX/XXXX.In XXXX of XXXX, I was going to pay my monthly payment on FCI website.When I navigated to their website, I was astonished to find that the loan had never been changed.I have a copy of the letter from FCI stating the loan amount is $ XXXX.I tried to discuss with FCI, but, I never got anywhere with their collection department.I had a XXXX XXXX in XXXX of XXXX.I was ready to pay off loan, but, had to change directions.Now, I have the money topay off the {$18000.00}.

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 2020-11-19
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: Investigation took more than 30 days

Complaint:
Hello, I mailed out dispute letters to all 3 bureaus to remove one account and I have received a response from them. My first letter went out XX/XX/2020 and I gave bureaus more than 60 days with no response. Second letter went out XX/XX/2020 and still no response. Please have them remove item from my credit report, as you see they even have non matching opening dates of account and non matching closing dates accross the board. This is a 2nd violation of false reporting according to Section 623

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: ONLINE Information Services, Inc.
State: NY
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 disputed this debt online with the credit bureau and requesting validation of this account. Company failed to respond or send any proof of validation. I have no contract with the agency. This is the second time this debt has showed up on my credit report under a new collection agency. I have not been notified and will be referring this to an FDCPA attorney for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: SUNRISE CREDIT SERVICES, INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My phone service was canceled with XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX continued to bill me for canceled lines. I called in XX/XX/XXXX and found they were billing me for an ancillary line. I canceled that line and they continued to bill me. I received another bill in XX/XX/XXXX and I again called XXXX XXXX XXXX. I explained that the line was canceled in XX/XX/XXXXand I called again in XX/XX/XXXX to cancel it. They deny having record of the phone calls. I filed a complaint against XXXX XXXX XXXX and their Office of the president called and left me a voice mail. I returned the call to the number they gave me and was unable to reach anyone. I then XXXX a number. When I reached a representative I was told they couldn't help me because they were not the rep assigned to the case. I explained the problem and was told I had to talk to the rep assigned to the case. After multiple phone calls I was never able to contact the rep assigned to the case. She was always out of the office for the day. Approximately XX/XX/XXXXor XX/XX/XXXX I received a collection notice from Sunrise Credit services. I responded to them in writing that the debt was not valid because it was the result of XXXX XXXX XXXX continuing to bill me for canceled service. They did not respond to my written statement. XX/XX/XXXX I got an alert for a change to my credit report. I checked to find that it is that fraudulent bill from XXXX XXXX XXXX. They are trying to force me to pay a bill that I do not owe and damaging my credit in the process. XXXX XXXX XXXX refused to deal with the issue by giving me a non-existent representative from their office of the president to deal with then sent it to collections knowing the debt is not valid. This is why I switched carriers in the first place. I was tired of XXXX XXXX XXXX 's shady billing practices.

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 2020-09-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting to Chex system thats acct was closed due to suspected fraud. There was not fraud and the account was never opened.

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 2020-11-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I received an email from Barclay stating " when you use your XXXX XXXX XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX, from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' During the month of XXXX I placed 3 orders on XXXX XXXX dated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called about one month later and the customer representative told me statement credit will be applied when my next statement is posted. Now it has been more than 4 months and I still haven't received the {$20.00} statement credit.

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 2020-09-01
Company: Jon Barry and Associates, 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: Account status incorrect

Complaint:
The company Paragon Revenue Group is in violation of my HIPPA rights, I mailed them a letter XX/XX/2020 to remove all information off my credit reports due to the fact they were in Violation of the HIPPA Law. They have a DBA ( DBA Paragon Revenue Group ) which is on my report as off XX/XX/2020 showing as verified and accurate. Please see attached of their Violation of my HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX & I am including it again., 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 2019-06-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following fraudulent accounts has reappeared on my Equifax credit report : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX XXXX, {$19000.00}, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX, {$1700.00}, XXXX XXXX XXXX, {$22000.00}, XXXX XXXX XXXX XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$950.00}, XXXX XXXX XXXX XXXX, {$30000.00} and XXXX XXXX XXXX XXXX, {$370.00}, these fraudulent accounts has been previously deleted countless times by Equifax, but keep reappearing on my credit report. The accounts are all fraudulent, unauthorized, not mine and dont belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was transferring my XXXX  funds from my paypal account to my personal bank account XX/XX/XXXX when paypal emailed me that the funds weren't able to be transferred due to high risk business which I was never informed about when I opened my paypal account. I called representative after I received the email and they claim they were holding my funds for 6 months to see if any charge backs due to this so called high risk consulting company then I would receive and email on how I could receive my funds. So fast forward XX/XX/XXXX was 6 months and never received the funds nor the email and when I called them to inquire about it they gave me some water excuse about how they actually stealing my funds claiming some violation of their agreement. I spoke with a rep XXXX XX/XX/XXXX and she was confused as to what happened as well and why I wasn't able to receive my funds and just stated file a complaint with headquarters which never responds. I just want my funds of {$3200.00} not including interest owed the last 6 months released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am applying for a COVID-19 Relief Pennsylvania Statewide Small Business Assistance grant. In the process of " linking '' the bank ( XXXX XXXX  XXXX XXXX ) to which the application is submitted, I supplied information about my account so that the grant, if supplied, could be directly deposited to my PNC account. A message came up that claimed that PNC has altered their practices, that at least for now, preclude direct deposit funds. It was recommended that I note this problem so that the complaint may hasten the resolution of this issue so that it may corrected. 
This notification occurred today, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: SYNCHRONY FINANCIAL
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
This complaint concerns Synchrony bank, which manages the Amazon Store Card. On XX/XX/2020, I filed an " Unauthorized charge '' dispute with the bank. I still have not received a resolution. What upsets me is that the bank CONTINUES to send me statements, charging me late payment fees and interest. My online account says that my account is NOW delinquent. I have not yet checked if the bank has been reporting me as " late '' to the credit bureaus. If that has been the case, I would be even more upset! This is outrageous. I contacted XXXX via my online account, informing them ( schooling them! ) that when a customer disputes a charge, they receive something called : PROVISIONAL credit. The disputed amount is temporarily credited, and NO FEES are assessed. Apparently, that's not the case with this bank? Also, I am sick and tired of US banks forcing their US customers to deal with incompetent or poorly trained XXXX agents in foreign countries, usually XXXX. The problem ( and I speak from EXPERIENCE ) is that very often these people do not think! When you send them a SPECIFIC question, they write back with some infuriating " cut and paste '' response. In my case : my complaint has been routed to the Fraud department. Is that department based in XXXX too? Probably. The bank can take as long as it wants to investigate my case. In the meantime, I want the disputed charge AND all fees removed. Furthermore, if the bank has been reporting me as " late '' to credit bureaus, that should be fixed too. 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 non-monetary relief
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received a letter today, XX/XX/XXXX, dated XX/XX/XXXX which happens to be my B/D, from Capital One! Says : IMPORTANT INFORMATION ABOUT YOUR ACCOUNT! Dear MY NAME : " Recently, during a regular account review, we noticed youve only been using a portion of your credit line. To better fit your card usage, weve reduced your credit limit to {$2000.00} dollars. We have kept your credit limit significantly above your highest balance over the last 1 year to ensure you can continue to use your card as you have been, while providing flexibility for future spending. Thank you for being a Capital One customer. We look forward to continuing to serve your needs. Sincerely, Capital One '' What kind of XXXX is this? I called and got a human being, which is unbelievable this day and age, I told the guy the above story. He says I have been a customer since XXXX. I told him I had an {$8000.00} credit limit and now your are reducing it to {$2000.00} dollars just because I havent added thousands of dollars of purchases to my account? I told him that wasn't right. It was nice to have the higher credit limit in case I would need it some time. What did I do to deserve this? Supposedly the call was being recorded and I would love to hear what the higher upper XXXX thing of this! Of course they don't care about the average customer. As I wasn't a happy customer I told them to close my account. The Rep didn't even try to keep me as a customer. I AM NOT A HAPPY CAMPER!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on a Covid FB plan for a few months and in XXXX I accepted a Covid Deferral but I feel the deferral was not processed correctly as they did not defer the escrow payments ( which I read should be deferred on a XXXX  Loan ) I tried to contact them on the issue and have spent 15-20 minutes last week and 15-20 this week just trying to get to someone who can help me. I was told by customer service I need to speak to Loss Mit and then by Loss Mit that I need to speak to customer service all while not allowing me to speak to a sup about the issue with what they claim is an over {$4000.00} escrow shortage. I have been hung up and today while explaining my issue was transferred back into the call queue. I have asked for a Sup or anyone to assist with my issue and have gotten zero help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Midwest Acceptance Corp.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After several calls to XXXX XXXX XXXX XXXX XXXX XXXX and several voicemails left concerning confirmation of my car payments and remaining balance, on XX/XX/2018 I finally was able to speak with someone over the phone. XXXX XXXX, a very rude, and argumentative guy is who answered. I asked about my balance and he informs me of 5 months of payments here and there that were missed. I informed him that I have receipts for the payment, just not with me at the moment, ( as I was surprised they answered ). He did not understand why I was upset and told me he was still going to file a garnishment for my car, stating it is not their fault they did not receive the payment. 
What's so absurd to me is that the only way to make car note payments is by money order through the mail. This is not a safe method of payment, clearly, things can get lost in the mail. Most importantly I NEVER EVER have received not 1 confirmation of my payments since have bought the car. I would have NEVER agreed to the loan if I would have known the ONLY way to make a care payment was through the mail. 
Also following the rude call on XX/XX/2018, I received notification that XXXX XXXX XXXX has ran my credit/ SSN without my permission. This action was completely unauthorized. Which has dropped my credit score by 5pts. I plan to dispute this entire matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$140.00} DPT EDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2400.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$3300.00}

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