BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XXXX XXXX with XXXX XXXX XXXX financing, which, of course, required PMI. Since then, the home has gone up considerably in market value, which, when combined with XXXX plus years of principle reduction, brings us well below the requisite XXXX threshold of XXXX % XXXX to drop the PMI. Per XXXX regs, a new appraisal was required. The servicer, XXXX, through its appraisal management XXXX, sent out the same XXXX who had done the original purchase appraisal. The ensuing appraisal report was chock full of errors, omissions and misstatements of material facts, some of which are a matter of public record, falsified his XXXX certifications, used non-comparable sales data while failing to note significant comparable sales data relative to our house. It is compelling and illustrative of the depth of this XXXX 's XXXX, lack of professionalism and failure to exercise ordinary care. Each appraisal done on our home by this same XXXX contains different and conflicting information. As a result, based on garbage in/garbage out XXXX, the ensuing report grossly understated the value of our home and XXXX denied dropping the PMI. We contacted XXXX to dispute the appraisal and wrote a letter of dispute, supported by additional documentation pointing out the erroneous information and omissions on the appraisal report, the fact that the XXXX has a vested interest ( he is also a XXXX XXXX XXXX XXXX ) in influencing values as well as additional timely comparable sales data ignored by the XXXX which support a market value significantly greater than the falsely arrived at value issued by the XXXX. We, again, requested dropping the PMI. XXXX chose to blatantly disregard the factual and supportive sales data we submitted and again declined our request to drop PMI. Factual errors, omissions and wrongful assumptions and data on the original appraisal report were NOT corrected. They also declined our very specific request to provide detail of who, precisely, was to have performed the so-called " review. '' IT IS PATENTLY WRONG THAT WE, AS CONSUMERS, SHOULD BE REQUIRED TO ACCEPT A DECISION BY THIS LENDER/SERVICER BASED ON A PROVEN ERRONEOUS REPORT. We then sent a certified letter to head of the operations group at XXXX demanding that fresh eyes, higher up the ladder, review this case and approve our request to drop the PMI. Copy of that letter is attached to this complaint. We have not received any response from XXXX since. 

Thank you. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have tried to resolve this one late payment appearing on my credit with the company, it caused my score to fall more than 60 points. I have 3 accounts with XXXX XXXX and I was never pass 30 days late. The information says current paid as agreed however there is a late for XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$670.00} Terms : Revolving Limit : {$750.00} Past Due : {$0.00} Payment Status : Pays account as agreed Paid or paying as agreed r

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 2020-08-02
Company: CITIBANK, N.A.
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:
I have contacted XXXX multiple times to dispute the fraudulent hard credit inquiry by Citibank and Goodyear that occurred on XX/XX/2019. XXXX  always finds that they can not remove it and I should contact Citibank. I have letters from Citibank and XXXX admitting it was a fraudulent application for credit that resulted in the inquiry and agreed to have it corrected on my credit report but nothing ever happens. This has been going on since I reported it to Goodyear and Citibank on  XX/XX/2019. I am considering legal action against all 3 companies ( XXXX, Goodyear, and Citibank ) since they share responsibility for damaging my credit by continuing to allow the fraudulent hard inquiry to be on my credit report after being notified multiple times to correct it which means they have acted in bad faith.

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 2022-04-27
Company: Central Portfolio Control Inc.
State: CO
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:
On XX/XX/25, I disputed a derogatory mark from Central Portfolio control on XXXX. I see that they have marked this account as open 8 months ago, this is not correct. The account they are referencing was opened years ago. I asked for them to remove the fraudulent information and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by a sophisticated con-artist named XXXX from thXXXX delivery company XXXX XXXX  XXXX the Scammer ) and lost XXXX USD of my hard-earned funds. I advised Citibank of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. My true issue with the bank is their limited understanding of the kind of recall I was consistently requesting to raise. Whilst I am not denying the demand for the reason code, I have deliberately emphasised to the bank that my case falls under a different reason code. 
Despite providing the bank with the required explanations of my case, Citibank preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case. Citibank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices ( GIP ) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm. Since XX/XX/XXXX, I have been attempting to resolve this matter with Citibank, but they have failed to settle this matter satisfactorily. I have been dealing with Citibank in good faith and am deeply disappointed in how they have handled this matter thus far.

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 2017-09-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
EXPERIAN Following up on the data breach, I accessed the company 's web site to discern what can be done about that problem. They offer to monitor but with " strings. '' I declined. 

Yesterday around XXXX XXXX I received an email from EXPERIAN offering credit monitoring for {$0.00} and  no card # required. Moments later I was billed on my XXXX via XXXX {$52.00} ; XXXX is their card processor. 

EXPERIAN had to access my credit file an pull my XXXX card number and charge me without authorization. This is is a fraud in advertising or maybe a " hacker 's '' scam. I do n't know. 

REPLY-TO ADDRESS ON EMAIL : reply-XXXXXXXXXXXX

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 2019-01-27
Company: EQUIFAX, INC.
State: TX
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:
Right now I have XXXX XXXX trying to pull my report and everytime it comes back stating that the social security number not found. Everytime I call Equifax they claim that they need verification a copy of my ssi card, utility bill and ID, I've sent it to them 4 times already. However they say they never recieved it. I sent both fax and certified mail. I feel that they are mixing my file with someone elses. Also I've been having issues with them removing inquiries from my report then somehow adding them back on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: The Receivable Management Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit reports, and noticed that Receivable Management Services, LLC was listed as a debt collector. They showed on my reports that I owe {$130.00}. I sent them a certified letter to validate the debt that they received on XX/XX/2021. They sent me a final bill from XXXX XXXX XXXX. I CURRENTLY HAVE XXXX XXXX XXXX insurance, and I called them, and informed me that they do not have any records of me owing them. I sent Receivable Management Services, LLC another certified letter that they received on XX/XX/2021 letting them know that they did not validate this debt. They just sent me yet another copy of a final bill from 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 2022-08-09
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to purchase tickets from a seller on XXXX. He provided his phone number and email address for the ticket purchase. Once I sent the payment he deactivated his XXXX account and his phone number provided ( it was a XXXX XXXX XXXX ). The name he provided for me was XXXX XXXX but once I sent the money via Zelle it stated his name was actually XXXX XXXX. I never received the tickets promised. I did contact my bank to try to stop the payment but all they did was file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: EQUIFAX, 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:
I have written several letters to Equifax to have 5 collection accounts removed from my credit report. The accounts have been paid in full. The collection agency has reported to all.3 bureaus. XXXX and XXXX have removed all the accounts accordingly, however, Equifax has not and has not responded to any of the multiple letters I've sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I was at an appointment in a clinic between XXXX and XXXX, on XX/XX/2020, when I received a fraud alert for the credit card I had just used for travel. There were three alerts, two saying an attempted cash withdrawal of {$400.00} was declined, and the third saying an attempt to withdraw {$800.00} cash was approved. Another text asked me to respond yes or no to me having attempted the three transactions. I responded no, and I immediately received a text saying my credit card was restricted, and a number to report to the banks fraud department of what happened. They immediately credited my account and sent me a new credit card. Three weeks later, on Friday XX/XX/2020, they said the dispute was reversed because my credit card chip was read and my PIN number was used for the transaction. I told the representative my credit card was in my pocket at the time the transactions were made, and the last time I had used the card was a few days earlier in XXXX California, on Thursday XX/XX/2020. I also informed the bank that I was only using the card for international travel, as of late. The representative told me the charge would be reversed and I would not have to pay it, but it remains on my statement along with a new interest charge for the transaction.

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 2017-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXX/2017 we were at XXXX XXXX XXXX center, where I was having XXXX. That same day a series of fraudulent desposits into our bank accounts at Bank Of America began. This was followed by withdrawals which caused our accounts to be overdrawn. All of these transactions took place at several out of state locations, well outside of our normal area. We did not receive any notice from Bank of America, it was only when my wife tried to use her debit card at a local grocery store and was denied ( XXXX/XXXX/2017 ) that we became aware this situation. She immediately notified BOA putting a freeze on further activity. We were assured by BOA our money be refunded once an investigation was completed. We have since received a letter from BOA stating since a debit card and pin # where used during some of these transactions we are at fault and liable. We are attaching four files showing times, locations, and what little information BOA has giving to us. We are a retired couple living on a very moderate income and had to withdraw additional funds from an IRA to get us through to this point. We feel that we have been treated like the criminals and BOA has acted in there own best interest not ours. We have been a customer of BOA for forty years and never even bounced a check.

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 2020-08-02
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been making my auto loan payment and adding additional funds which were meant to be applied to the principal balance ; however, Santander refuses to apply and allocated them to fees. When I call them they stated they can apply the funds how they see fit which is unethical and against the law. They already have a class-action lawsuit that I would like to be part of but they refuse to give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, Citibank notified me via email that an EFT payment for {$130.00} scheduled on a XXXX checking account for -- note this -- XX/XX/XXXX could not be processed. Then on XX/XX/XXXX, {$380.00} another EFT scheduled for XX/XX/XXXX could not be processed. On XX/XX/XXXX, another {$190.00} could not be processed yet I was not notified until XX/XX/XXXX. 
After researching the XXXX account, I found there was ALWAYS funds to cover the EFTs. The XXXX account was NEVER overdrawn since inception. A call to Citi invoked a conference call between the Citi senior representative and a XXXX representative. 
It was confirmed by XXXX that there was always funds to cover the EFTs yet absolutely no record of any attempt by Citi to collect funds. 
A complaint to Citi resulted in an email exchange with Citi 's Executive Response Team. I requested the documentation for their excuse that the account was 'frozen ' or Citi was an 'unauthorized user ' in emailed correspondence. Citi have produced none. XXXX relays the EFTs were never presented nor was there ever a freeze or unauthorized used of the account. Citi was paid through this account from XXXX to XXXX. 
Citi requested a payment on XXXX, XXXX of {$200.00} which was received and confirmed on XX/XX/XXXX YET they reported an overdue and over the limit account to the XXXX major credit bureaus, maliciously harming my credit. Citi had options. They could have produced the reasons from XXXX in a timely manor. Inasmuch as XXXX failed to notify Citi -- if that were true -- of the actions, I should have been notified of the problem. That would have initiated a conversation of how to handle the situation. Today, I don't know if XXXX is at fault ; they deny any knowledge of the situation, yet Citi blames them.

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 2022-04-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am, XXXX XXXX submitting this complaint against Equifax and there is no third party involved. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Equifax has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions. 

WHICH I GAVE EQUIFAX NOT WRITTEN CONSENT!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, I stepped into the branch to speak to a representative regarding transactions that will post to my account. Currently, I share a checking account with my husband. There were two items in which were coming out our account ACH. I explained to the representative that I contacted the company to stop the ach. And remove the automatic debits. I was informed my husband would have to do it. I explained that my husband is in the hospital and unable to contact them. I was told by the chase rep it was nothing I can do. Thus, I ended occurring 3 overdraft fees because of this. 

I know have a power of attorney document that was presented to the company and the account is no longer on automatic withdrawals. The chase representative should have offered me a solution. We receive XXXX checks that come in the mail and sometimes they are late and this is what happened. I went back to the branch and asked if they could waive the overdraft fee and they said to call customer service. I called customer service and they said no

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-26
Company: LEXISNEXIS
State: IN
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:
Under all applicable FCRA & FDCPA regulations, I request a description for the procedures used in verifying these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The Credit Bureaus stated XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, was properly investigation but how is that possible if the open dates is inaccurate, the last date active is inaccurate, the last reported is not accurate, Account numbers is inaccurate, last payments is inaccurate, time length inaccurate and the dispute status and credit remarks don't match. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a Account without my written instructions. 

I haven't given these Accounts written permission to furnish these accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX, XXXX, I had XXXX XXXX XXXX deposits sent to my account, XXXX around for XXXX  and another for {XXXX}. The {XXXX was sent first to my account before I completed my transaction purchase at a store for XXXX. Once the funds were sent, I completed my purchase at the register because the funds showed available in my balance on my XXXX app, as I already had funds in my bank, plus the XXXX} that was sent to me. The XXXX deposit for XXXX was made after my purchase, however this did not matter as the funds were sufficient for the XXXX or at least that was what I was shown on my XXXX Banking Application on my phone. This morning, I wake up to find that XXXX has charged my account a {XXXX} insufficient funds fee. I called and spoke with a banking representative and was told that my deposit were made after XXXX pm XXXX XXXX and as such would not be processed until today. I am in XXXX, and on my banking app, the funds were shown in my balance, and that is why I felt comfortable making my purchase. I can only trust what I see in my app to be true. XXXX has refused to refund me my XXXX fee. I believe that they purposely deceived me and likely do so to many others, making billions off of middle class Americans just trying to survive so they can make billions of dollars in profit. I was shown that I had the funds available. I made the purchase based on what I seen. Now XXXX took XXXX dollars of my money to illegally and XXXX make a profit off of someone who works hard, pays her taxes, and at the same time struggles to make ends meet. I would like my {XXXX dollars back as it was illegally taken from me.

Company response to consumer: Closed with monetary relief