BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a very large payment to Pennymac by overnight mail. The tracking indicates it was received on XX/XX/19 at XXXX XX/XX/XXXXand signed for. Now it is 5 days later and they tell me they can't find the payment and that I should give them another 5 days to locate it. The payment was a VERY large amount, paid to their billing address with a cashiers check made out to Pennymac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: ENCORE CAPITAL GROUP INC.
State: NC
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:
On XXXXXXXX XXXX,2020 XXXX XXXX alerted that Midland Credit Management has added a derogatory remark on my credit report per XXXX XXXX. Collection reporting upon further research this account was transfered and sold and I am no longer responsible for the amount of XXXX. Debtors Credit didnt verify the collection. Also, there was NO written form of communication, contract, or written signature for the amounted debt at all. A bill without a signature does not validate debt and anybody can send a bill and say that it is mine. According, to the FCRA Midland Credit Management has violated my rights a consumer and I am requesting legal action to remove this immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have  called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call 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 2018-07-12
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Hunter Warfield regarding a collections account on my credit from XXXX in the amount of {$4000.00}. I knew the information they had was inaccurate so asked for specifics which they could not provide. I then contacted the original creditor in hopes of clarifying the facts. I was told they have no records of myself or owing money. At that time I contacted the collections agency again to figure out how they were going to rectify this unfortunate situation and removal of this account from my credit report. It was made clear to me they weren't in any hurry to correct this error. This is bad business and poor customer service!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Method of Verification to XXXX, XXXX, and Transunion disputing debts showing on my credit report. It has taken more than 30 days with no response, and they are still reporting the debts as valid on my credit report, but no method of verification has been provided.

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 2018-02-06
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
THERE WERE SEVERAL CHARGES ON MY NETSPEND CARD THAT I DID NOT AUTHORIZE THE CHARGE OR THE PURCHASE THREW A INTERNET. I BELIEVE MY LAPTOP GOT COMPROMISED AND HATCHERS GOT MY CREDIT CARD NUMBERS. I HAVE FILE A COMPLAINT WITH THE IC3.GOV AND WITH LOCAL AUTHORITIES. HERE IS THE LIST OF MERCHANTS THAT CHARGED MY CREDIT CARD FOR SERVICE AND PRODUCTS THAT I DID NOT ORDER OR AUTHORIZE THE CARD TO BE CHARGED. 
Transactions included in this dispute If you have additional transactions to dispute, that are not listed here, please contact Customer Service. 
Special Note : When you file an unauthorized transaction dispute we require the affected card ( s ) be blocked to protect your account. We will show you options for replacement cards once you finish filing your dispute. 
Transaction Date Description Amount XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX US {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX {$28.00} XX/XX/XXXX XXXX # XXXX XXXX US {$47.00} XX/XX/XXXX XXXX XXXX XXXX {$6.00} XX/XX/XXXX XXXX   XXXX XXXX {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX   XXXX XXXX {$1.00} XX/XX/XXXX XXXX  XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX XXXX AXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} THANK YOU VERY MUCH FOR YOUR TIME AND CONCERN ON THIS MATTER.

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 2018-11-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-11-30
Company: ENCORE CAPITAL GROUP INC.
State: NC
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:
On XXXX XXXX, 2020, MIDLAND FUNDING LLC add a derogatory mark on my credit report per XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Nearly 70 days ago I sent a letter identifying numerous inaccurate accounts being reported on my credit report. I asked for help in the matter and the bureau repsonded with false accustaions in an attempt to stall this process. It is clear i am being ignored and that they are taking advantage of me and the current time we are in. I have not hired a credit repair company because i dont need to. If my report is wrong than it is wrong. I dont need a credit repair company or anyone else to tell me that. I have eyes and i can read. I am demanding these items be removed. Its effecting my livelyhood. Under FCRA these accounts must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.

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 2021-01-21
Company: NFM, INC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello. Approximately 6 months ago I refinanced with NFM Lending. They are currently servicing my loan. At the time of the refinance, my property taxes were approximately {$15000.00} a year. Almost immediately after the refinance my property taxes were reduced to approximately {$11000.00} a year. I have made multiple efforts by phone and email to NFM to have an escrow analysis done to ( 1 ) adjust my escrow payments accordingly as I am paying around {$400.00} a month too much into escrow and ( 2 ) refund my escrow overage. Nothing has happened.

The tax adjustment was retroactive, so there is also a credit with my county which I have been asking NFM to apply to my next tax payment, as the county will not issue me a refund, only a credit or a refund to my previous mortgage lender. I provided NFM an email from the county treasurer 's office to me in that regard. NFM has been equally unresponsive in assisting with that. That credit is approximately {$7000.00}.

In communications NFM referenced its " escrow department. '' I have asked for a contact at the escrow department or some way to get movement on what seems like a pretty simple issue. I was told there was no contact info they could provide me with for the escrow department.

Any help would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: JPMORGAN CHASE & CO.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX and I recently hired a law firm to help me resolve several high debt matters from a limited liability company, where my partner ran up excessive debts. The partnership was officially terminated back in 2017, even though the limited liability company is still valid. These debts are guaranteed by the limited liability company. I request at this time a reasonable settlement response from each of these creditors without going through a Chapter XXXX corporate bankruptcy process or a Chapter XXXX bankruptcy process. I submit these settlement requests through a Consumer Financial Protection Bureau portal to show my intentions are honest and within my rights. The limited liability company is known as XXXX XXXX XXXX XXXX XXXX, XXXX and the employee identification number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a request for loan modification on XX/XX/2020. I was advised of additional documents that I need to submit, and I agreed to submit them within the given timeframe of 30 days. I was about to submit the additional documents they require from me, when I found out that they have already closed my application, wherein it hasn't been 30 days yet.

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 2020-08-29
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted this company on XX/XX/XXXX at XXXX because I received a call on XX/XX/XXXX through voicemail from a women named XXXX XXXX from a company by the name of Mercantile Adjustment Bureau that it was an attempt to collect a debt. I called on XX/XX/XXXX and gave them some pin number XXXX left on my voicemail. I was told that I had a debt of XXXX and something and they were collecting on behalf of XXXX XXXX. I never received a letter in the mail verifying any information that I have a debt with company. Please provide me with the following : 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 that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. I would like verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Shellpoint Partners, LLC
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:
Shellpoint Mortgage Late reporting on credit score Monthly mortgage payment has gone up XXXX XXXXmonth

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I have been paying {$500.00} per month for the last 12 months to my credit card Capital one. 

My wife and I noticed that our balance was not decreasing I contacted capital One and ask them what was going on They told me that my interest was compounding daily on my balance I advise them that I was never informed of this when I signed up for the card, or when I spoke to them on the phone or even when I spoke with them in the beginning of 2017 about trying to lower my interest rate They did temporarily lower my interest rate but it unfortunately turned out to only be for a couple of months, which I also did not understand. They did temporarily lower my interest rate but it unfortunately turned out to only be for a couple of months, which I also did not understand I contacted capital One and said that I was never informed that my balance with compound down there and that I would not have signed up for the card if I knew that I am a XXXX XXXX veteran who went through XXXX about four years ago and as a result Ive had some financial issues I had to file bankruptcy, which is why I signed up for capital Ones credit card a couple of years ago To now find out that they were charging me daily compounded interest over the last few years was extremely disappointing to me as a military veteran who has struggled with a XXXX XXXX and who owns up to their Inability to pay my creditors a few years ago Capital one bank framed it to me that I could use their card and rebuild my credit, but they never informed me that my interest would be compounded daily. I repeat they never informed me that my interest would be compounded daily

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is XXXX, Experian, and XXXX XXXX. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a car XXXX used XXXX XXXX XXXX and then i struggles between jobs the entire time i had the car and then i would get caught up something else would happen I am a single parent my entire adult life and I struggled with no help from anyone. i got the car with financed for XXXX and made {$14000.00} in payments. In XX/XX/XXXX i lost my job due to stay at home order. I struggled but i found a job less money and i tried to work with them they refused. my mom also died 6 months prior so we had to move and resolve her estate with my family so we moved to a very low income neighborhood and i still have the same job making less XXXX a year. i usually make XXXX a year. We called to surrender the car, XX/XX/XXXX being 60 days past due and the person on the phone said he would give them the location of the vehicle but no guarantee they would pick it up due to pandemic and no one in that department. We waited 2 weeks called back as we were instructed to do. i spoke to supervisor who told that was not true and that I made this up. I advised we wanted surrender the vehicle and she said that i was not able to until the account was 120 days past due. Again i gave the location of the vehicle as we had no room where lived to park it. 2 more weeks passed we spoke to someone is surrender repo department who told us she was not given any info where are car was, and advised again we have called 2 other times. No one was believing me. they finally picked up the card in XX/XX/XXXX. I started received back to back phone calls about the vehicle and i need to pay for it and said we surrendered in several months ago and again non stop emails texts and phones calls and then they sold the vehicle then radio silence for 2 months XX/XX/XXXX they started calling for the deficiency and i explained i don't anything except {$1000.00} and they sold it for {$3700.00} XX/XX/XXXX per the ledger i attached from their website. 
now the balance paid is {$14000.00} so again i only owe XXXX there was nothing wrong with the card when i surrendered it. if there was they caused it. The brakes tires were replaced and service every XXXX without fail. I left that car perfect condition. I want them to settle my dept and also they report to the credit bureaus i owe them {$11000.00} closed derogatory XX/XX/XXXX which was report XX/XX/XXXX as if i never paid them anything. 
They also never sent any proof of repo or sale of the vehichle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: OpenRoad Lending
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
We started a refinance with openroadlending. We have good credit and was able to get a new mortgage easily in the last two months. We were just interested in lowering our truck payment. They have lost documents, sent me emails that were sent for others. They do not know what they are sending out or saying most of the time. They asked us for our award letters for our pensions. We sent copies. Then they asked for a copy of our bank statement to show they went in. Now they want tax documents! FOR A CAR LOAN. Talking to the supervisor, I find out that they do not even understand what a defined benefit pension is, or how it is paid out. In the process, they have lost one of the award letters with our social security numbers on it. The service has been terrible, and the loan terms changed through out the process. We had started another refi with them and the loan terms also changed from what we had agreed on. That is only a few of the mistakes made by their " loan specialists ''. I want their inquiries on our credit report removed and I think they need to seriously be investigated. I Have multiple emails from them with many of the mistakes they have made. I also want all our documents returned! I seriously  wonder who is stealing our information at this point! XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation