BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau RE : RESIDENTIAL HOME LOAN # XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear Customer Assistance : This letter is to inform you of unscrupulous and unlawful practices I have against my lender : XXXX XXXX whereby Lakeview Loan Servicing is the subservicer. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

I have two major complaints. Firstly, when I first got the loan, I was told I could make partial payments which I took advantage of during XX/XX/XXXX. Later, I found that this is NOT the case. They do not allow it. Furthermore, I would like you to investigate why they use a usury practice that would seem to be illegalthe fact that they charge {$50.00} a day if the payment has not arrived directly on the first of each month. This is how this company behaves DURING A PANDEMIC!!!! I would have NEVER accepted this loan had I known beforehand that this a lending practice they operate under. This business practice should be scrutinized by your agency!!!! 

Secondly, knowing that they charge {$50.00} a day after the first, I have to wonder why they delayed processing my payment that was delivered early so it would be processed by the first of XXXX. I sent it on XX/XX/XXXX and it was deposited on XX/XX/XXXX!! It was scheduled to arrive on XX/XX/XXXX, a Friday, according to the post office ( priority mail ). Then in XXXX, I mailed my payment on XX/XX/XXXX ( priority 2 day mail ) and it was deposited on XX/XX/XXXX. So why did it take the XXXX payment 7 full days of {$350.00} extra dollars that they charged to my account? 

This is a scam in my opinion. I would like to depart from this loan as it is in no ones interest to contribute anything to XXXX XXXX. Please be advised that this activity should be stopped. 

Let me know if there is anything more you need from me. I am attaching my postal receipts to show the timelines. By the way, I lost my job in XXXX and I am still unemployed. I missed my XXXX payment. I was told due to my circumstances, I could get a Forbearance agreement, which I applied for through their phone system. This month they informed me by phone that my agreement was over at the end of this month ( while the pandemic is still in effect and Shelter in Place is still valid in California ). This what they said after I previously went through their phone system and got approval for an extension for six months. They DO NOT follow their own rules!!! 

I believe I should be compensated by the loan company for these brazen banking irregularities. Please send me your judgment about this problem I am having with this bank. I would like the six months from now to catch up on my delinquent one month arrears. 

XXXX XXXX Email : 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 2019-01-22
Company: Bonneville Billing and Collections
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NEVER REC ANY DUNNING NOTICE, ONLY NOTICE WAS MAILED TO WRONG ADDRESS, FOUND OUT ABOUT ACT FROM CHECKING CREDIT, CALLED BONNEVILLE TO NOTIFY NEVER HAD CHANCE TO PAY OR DISP BILL AND THEY DIDNT CARE. UPDATED MY ADDRESS WITH THEM, THEY SAID THERES NOTHIN THEY COULD DO AND STILL DIDNT MAIL ME NOTICE WHEN GAVE THEM UPDATED ADDRESS. LEFT NO OPTIONS, FELT FORCED TO PAY BIF W/O CHANCE TO DISP OR EVER SEEING ANY DUNNING NOTICE. I DEMAND DELETION. HORRIBLE ACT MANAGEMENT, ILLEGAL TO REP TO SOMEONES CRED W.O GIVING THEM A FAIR CHANCE TO PAY A DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
4

medical collections from Commonwealth financial systems? Who are they? why i wasn't notified or informed prior of embedded them into my credit profile? {$120.00}, {$110.00}, {$230.00}, and {$150.00}????? Th ese are violations of my consumer and HIPPA/medical rights!!! - Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez/Shellpoint has begun adding ESCROW payment to my mortgage statement as of XX/XX/2020. Prior to them taking over my mortgage from XXXX XXXX Escrow was not attached to my loan as I paid my Taxes and Homeowners Insurance separately. 
My mortgage payment was : Princ : XXXX Inter : XXXX Escrow : XXXX Mtg Pmt : XXXX NewRez/Shellpoint has added Princ : XXXX Inter : XXXX Escrow : XXXX Mtg Pmt : XXXX To date they have assessed a total of {$800.00} due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Below is a dispute letter I sent my credit card company on XX/XX/XXXX along with all the documentation I have attached which was my second dispute because they declined my first one. Since then, every time I call them, I get the run around. I called them on XX/XX/XXXX to check on the status and the person tells me that I shouldn't have opened another dispute because the first one was still open even though they sent me a letter on XX/XX/XXXX declining my dispute. So the lady tells me that she is updating my case and that XXXX has until XX/XX/XXXX to respond to the dispute and that I would know something by then. It is now XX/XX/XXXX and I just called Barclay again and still nothing has even been investigated. I am hoping that someone can please help me with this. 

On XX/XX/XXXX I booked an all-inclusive vacation with the online travel agency Bookit.com. 

{$4900.00} was charged to my Barclay credit card account on XX/XX/XXXX which was then paid off with my monthly payment at the end of that billing cycle. 

I received an email on XX/XX/XXXX confirming my reservation from XXXX. Please find the attached copy of this email. As you can see, I was due to fly out with XXXX XXXX to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX announced they were closing all call centers and that all resort bookings would be cancelled automatically. ( See attached notice from Bookit.com ). Additionally, that they were unable to refund any money to customers and that they should contact their banks or credit card companies for refunds. On that same date, I received an email from XXXX stating my credit card had received a credit for my booking of {$2300.00} which it did not and furthermore, that amount is not the full amount I paid for my vacation. 

After receiving that email, I called Barclay on XX/XX/XXXX to file a dispute. The lady I spoke to took down all my information but did not ask me to send any documentation. She simply stated they would investigate and get back with me. I received a letter from Barclay on XX/XX/XXXX stating they were unable to pursue credit on my behalf as the chip on the card was read and validated during the authorization process and CVV confirmed. This was not the reason for my dispute as I stated to the lady I spoke with. I am not disputing that I did not make the purchase, I am disputing the services not received. 

Due to XXXX closing, they have shut down all phone lines, emails, and website leaving no way for customers to make contact to pursue a refund or credit. Therefore, I am requesting that you open another claim for a chargeback of {$4900.00} for services not received.

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 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America willfully and criminally decided to break the law by offering a credit card with a promotional APR of 2.99 % and then refusing to honor that rate immediately after issuance, under the criminal coercive strategy that If I dispute the interest as an individual my creditworthiness would be impacted. To add insult to injury, the telephone banker corruptly seemed to offer to rectify the situation with a different department when she was just attempting to coercively sell me more products to fix the error that Bank of America willfully created. 

This incident, coupled with the bankers later misconduct, is a textbook case of violating UDAAP and the Card Act of 2009. If Bank of America does not remit all erroneous interest charges and correct, I will sue Bank of America in federal court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from 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 2020-06-25
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from 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 2019-01-22
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and XXXX  over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and XXXX  reached an all time high and I became XXXX XXXX XXXX XXXX XXXX as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an XXXX  report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.

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 2020-10-10
Company: Experian Information Solutions Inc.
State: OH
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:
SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, GA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED PLEASE REMOVE : XXXX XXXX XXXX via XXXX 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 2019-01-22
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: Account status incorrect

Complaint:
This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX  has done nothing. XXXX  is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX  has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
The Quicksilver from Capital One card is listed as a {$0.00} Annual Fee, and I just found out today that I have been charged a {$39.00} Capital One Member Fee since XX/XX/2014. This Fee went unnoticed until today, and the Capital One Customer Service reps informed me that it is what I signed up for. I only sign up for {$0.00} Annual Fee cards due to this, of the many cards I hold. So I find this to be unlikely that I would have registered for a card with this fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've been a customer of PNC Bank for years. I have never in my entire human life had an issue with a bank. PNC bank first charged me 2 or so months in fees while I was attending the death of my brother whom comitted XXXX in XX/XX/2019 in XXXX. We barely had any phone functionality. We have barely any power for the entire country. It made it impossible to call PNC, even though I would try to remote into my desktop at home ( USA ) it was unreliable. I come back in XXXX and talked to PNC on 6 occasions about the fees since my brother comitted XXXX and I was not here they said no problem we will refund you. That was a lie. About 17 hours later on the phone in the 2.5 months since XXXX I have been met with lies, and more lies. I stopped by a local branch in XXXX MD, and spoke to the branch assistant manager who said we are so sorry, she stated she wrote a report to the back office, and that this will be cleared out and that the fees will be taken off, and my account will be in great standing. She said give it about 10 days. She also stated shes never seen anyone have any issues after she submits a report. Its been 1 month now and I received numerous calls from PNC who stated they are attempting to collect a debt. I was caught off guard. She stated she saw no notes about what I mentioned. She stated she will talk to her supervisor and contact me back. I never heard back. They also disabled my online access, and removed ALL my statements - which I need for my taxes. They said I can send them a check in the mail for each statement I request. This is INSANTIY.

The account closure happened while our entire Country is dealing with a global health crisis - COVID-19. How dare a bank take  advantage of this. MY WIFE WAS IN THE HOSPITAL FOR THIS AND I GET CALLS DURING COVID 19 TO PAY SOMETHING I WAS TOLD I WOULD BE REFUNDED?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Bread Financial Holdings, Inc.
State: CT
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:
My bill with comenity card is due on the XXXX of each month and closes on the XXXX of the month I keep it at 30 % of use by the closing date and for some unknown reason they are reporting the wrong information after the closing date instead of reporting the balance as of the closing date. They are waiting till the XXXX or XXXX of each month to report the new uses. I called and spoke to a representative to advised them that is wrong. Being they dont speak English is a major problem. My score drops with this in accurate information.

Company response to consumer: Closed with explanation