BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a NetSpend gift card from my XXXX nephew for XXXX. I tried to activate it and was told it was a credit card. I let the customer service rep know I did not want a credit card, I just wanted to get the funds off the card. I was told I couldnt use it as a gift card. I replied that my XXXX XXXX nephew bought it off of a gift card rack at XXXX XXXX, how could it not be used as a gift card. After getting the run around I hung up. 

Today, after a few weeks, I have cooled off and called again today. I was told the same story, but the customer service rep at least was willing to see if she could make it a gift card instead. I was put on hold and when she came back on line she told me the card had expired. I asked how could it have expired when the date on the card showed XX/XX/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 2017-07-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2017 I called PennyMac to request that all overpayments sent by electronic check be applied to principle rather than advancing the payment due date. The representative agreed and said the changes were made at that time. When my XX/XX/XXXX payment was applied to my account at PennyMac, they erroneously applied 100 % of the payment to principle instead of distributing it to principle, interest and escrow. I messaged them online and they promptly corrected the error. I was told the problem that caused the error was fixed. When my XXXX 2017 payment was applied, again 100 % of the payment was applied to principle. On X/XX/17 I messaged them to correct the error. They assured me the error would be fixed. When I checked on X/XX/17 the error had not yet been fixed and there was now {$30.00} late fee applied to the account dated X/XX/17. Again I messaged them online insisting the error be rectified. As of X/XX/17 the XX/XX/XXXX payment has now been re-applied properly ( to P & I and escrow ) to the account, but the late payment fee, which resulted because of PennyMac 's error, has not been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union is reporting XXXX XXXX XXXX, with an open date of XX/XX/2020 and a last active date of XX/XX/2020. A collection account can not have an open date and a last active date of the same date. I have requested they correct this information several times and still no response.

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 2019-04-30
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX CARD partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: MD
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:
Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were first reinserted. 
XXXX XXXX. {$60000.00} XXXX XXXX. {$5000.00} XXXX XXXX. {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was contacted by XXXX XXXX on a debt that capital one sold them but has already been paid! Basically Capital one just scammed them! Im sure it was a mistake but I just want this corrected before XXXX XXXX  tries to put this on my credit! A written correction!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
After the first term of my Home Equity Loan I reapplied to renew my HEL. On a recent statement I was charged a {$50.00} " Customer Service Fee ''. The last agreement did not have such a fee. As I recall these type of fees were referred to as 'junk fees '. In the not so distant past, such business practices necessitated acts ( intervention ) such as RESPA, a 'How to Behave ' instruction manual for financial institutions. 

Just because you slip it into an agreement does not make it 'reasonable and proper '. It is tantamount to being charged a parking fee every time you take your car in for service. This year, I will have paid close to {$1000.00} in interest for my Secured Loan so it is not as though Citibank is doing me a favor. 

On the topic of " Customer Service '', theirs leaves a lot to be desired. When I have called-once every year or two on  various questions, most of the customer service reps have such heavy accents that it takes a half hour to have a 5 minute conversation. Moreover, if you request to speak to a customer service rep, there is no way of knowing that you are not speaking to a CSR at the next desk. 

After providing them with every piece of personal datum to them, they will not provide a last name. If you request to speak to a ( English speaking ) manager with a direct dial phone number they tell you that the managers do not have a direct dial number (??! ). Since it is unlikely that a customer will ever be able to re-contact any one in customer service there is zero accountability ; hardly the policy of a firm 'committed to customer satisfaction '. 

Notwithstanding any legal double talk about my 15 page loan agreement, I am asking if this is 'reasonable and proper ' and if it was added in recent years to enhance revenue, I want it waived for the term of my HEL.

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 2019-04-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX my wife and I applied to Bayview Loan Servicing for a mortgage modification based on hardship. The modification was denied. In XX/XX/XXXX we ask that the modification be reconsidered.. In addition to the reconsideration I asked for a breakdown of the amount past due because my records did not agree with the past due amount indicated by Bayview.. To date we have received no response from Bayview regarding our request Also Bayview has increased my monthly mortgage payment without explaining the increase. Our monthly mortgage payment has gone up approximately {$200.00} a month from the original mortgage agreement. XXXX XXXX was the original servicer of our mortgage and I was working with them on the correct past due amount and an increase in the monthly mortgage payment until Bayview took over the servicing of our mortgage in XX/XX/XXXX. After Bayview took over the servicing XXXX would not provide any further information concerning our mortgage. 

In summary I am asking for the following.

1. A detail breakdown of the amount past due 2. An explanation and detail breakdown on the monthly mortgage increases 3. A reconsideration of our loan modification request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed our new construction with XXXX XXXX XXXX in XX/XX/XXXX. The escrows for taxes were based on our appraisal of XXXX until our County did their property assessment. The taxes they escrowed were XXXX XXXX XXXX / XXXX x XXXX ). In XXXX of XXXX, I confirmed that XXXX County had assessed our property at XXXX. This would bring my property taxes to XXXX per year. Since our County taxes are due semi annually, our bills are XXXX due XX/XX/XXXX and XXXX due XX/XX/XXXX. I contacted XXXX XXXX and explained the situation. They requested a copy of the real estate tax bill. I sent it in only to be told that an escrow analysis would not be done until XX/XX/XXXX. 
In XXXX of XXXX, I contacted a representative and explained that my escrows were showing XXXX on XXXX and XXXX on XXXX, which was incorrect. She asked that I send in yet another real estate bill for proof that my taxes were, in fact, XXXX and XXXX. I sent in the invoice and was told that an order was opened and to check back on XX/XX/XXXX. In the meantime, I kept checking my account and within XXXX hours, my taxes were corrected in the system to reflect XXXX due XXXX and XXXX due XX/XX/XXXX. They had cut us an overage check in the amount of XXXX leaving a balance of XXXX in our escrow account. As far as the amount being withheld every month, they still reflected the incorrect amount of XXXX which is well above the required XX/XX/XXXX. The correct amount should be XXXX. 
On XX/XX/XXXX, I checked my account and they had changed the taxes, again. It was now reflecting a XXXX payment of XXXX and a XXXX payment of XXXX. I contacted them via email and stated that the taxes were incorrect. I also questioned why there was a balance of XXXX in our escrow account. This amount was well above the required XXXX escrow cushion. I sent in yet another copy of my tax bill and explained that if it was not corrected, I would file a complaint. They explained that an order was opened and it may take time. It is extremely frustrating. I am unsure as to why they can not get not only my taxes correct when I have sent them in 3 invoices as proof and why they can't properly calculate 1/12 of my total homeowners and property tax. Furthermore, I am unsure as to why they are holding more then 1/6 of total for cushion. I have attached my XXXX County Taxes and all correspondence between XXXX XXXX and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: United Debt Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Received a robocall indicating that a judgement claim was filed against me and I was scheduled to be served by an 'officer ' the following day at work or home. The number that called me was XXXX. The recording stated that I needed to call XXXX. I called the # in the recording, XXXX answered, gave my name & this is the story he spewed. XXXX states that I have a couple of outstanding loans that total {$1100.00} with fees of {$280.00} bringing the total to {$1400.00}. XXXX stated that he can stop the claim being filed with the court with a settlement offer of {$880.00}. I asked who is the original debtor. 

XXXX XXXX XXXX XXXX which is defunct according to the BBB website ) is the debtor with the original loan date of XXXX. XXXX stated that the debt was validated as a new debt as of XX/XX/2019 via United Debt Holdings whom picked up and reissued this debt. I asked XXXX whom he worked for, XXXX stated he is not a debt collector but works on behalf of XXXX XXXX XXXX out of XXXX Ga. I asked for an address he refused. I asked for validation of this debt, XXXX stated that XXXX XXXX XXXX already validated the debt. XXXX made sure to reiterate that if I do not decide to pay the settled amount he offered I would be served with a judgement against me and an XXXXfficer will be serving me most likely at work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Receivable Collection Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My name is XXXX XXXX My social security number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX ny my complaint is that receivables con collection agency unlawfully a collection account on mycredit report with XXXX  I wrote to the company telling them that the debt is not mine andits account from XXXX XXXX balance XXXX dollars I didadisput with XXXX  to get it removed off my report and the collection agency unlawfully didn't respond to my letter that I was disputing this account as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent

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 2022-01-16
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to resolve this issue with a navient and they act as though the issue is resolved before the call is over but then I get erroneous letters that only go to my Navient XXXX that do not match what we discussed. 

In XX/XX/XXXX I received notice that it was time to renew XXXX. I submitted requirements by the deadline and it was approved XX/XX/XXXX. 

Beginning XX/XX/XXXX I was to pay {$23.00} per month. 

I logged into the Navient site on XX/XX/XXXX and my payment stated that I owed {$140.00} XXXX knew that wasn't correct, based off the letter I received but did not want my credit to be effected so I paid it. I logged in sometime after XX/XX/XXXX to see if it was corrected and it XXXX not I called and was told my monthly payment was {$130.00}, I eventually asked for documentation because the site had greyed out my XXXX agreement and it was not accessible. I spoke to another representative who stated that the accounts were not aligned correctly on the same payment schedule and one she corrected it she advised me that my payment amount was no longer displaying a payment of {$130.00}, but {$22.00}. She advised me that the change should be available to view within XXXX hours, so wait to make payment. Around XX/XX/XXXX, I logged in and paid {$25.00}. Then, around XXXX, Navient sent me a delinquency notice for payment of about {$15.00}, stating that they had not received payment for XX/XX/XXXX. I could clearly see the payments reflected on XX/XX/XXXX and XX/XX/XXXX, but again I cant allow my credit to be compromised so I paid the {$15.00} on XX/XX/XXXX. I have now paid 7 months of my required payment and even prior to this incident the billing has been extremely sketchy. Can some one please review this company and their practices because I feel that they are taking advantage of me and I can not get anyone in this company to make this make sense. I am extremely upset that I have made over {$180.00} in payments for one payment they was supposed to only be {$23.00}! And they have the nerve to send me an erroneous delinquency letter, when in fact they owe me. You have my permission to dive as deep as necessary into the lifetime of my loan with this company. I have been trying to have them explain to me since XX/XX/XXXX, why my balance states {$140.00} with no clarity. I have made several payments to avoid late fees that come to nearly {$700.00} and they just keep taking the payments and telling me I owe more and more. This is not right. I am a single parent and can not keep this nonsense up in our current economic state. I'm exhausted working overtime to pay balances that should not be. Please review and take necessary action to resolve this unethical activity that is going on with my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: BB&T CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this debt is showing on my XXXX credit report its not mind this account was opened in ohio i NEVER been or lived in ohio, i called them and wrote them and they still can not find proof its mind there causing harm to my name and credit report they dont even have my correct social 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still this item is visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. I believe someone stole my identity and opened this account without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I have included here my FTC report and Police Report which I filed on my local Police Department. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX CO XXXX Date Opened XX/XX/2018 Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2022-01-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
These hard inquires are hurting my credit o have called the bureaus and explained my car is paid for XXXXm not sure why some many card inquires for my cars I brought my vehicle with cash I have over 13 hard inquires please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
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:
I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information

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