BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a XX/XX/XXXX letter from IC System, regarding a debt turned over to them by XXXX, noted as the original and current debtor. As both a current and former XXXX customer, I was unfamiliar with the account number listed on the letter. 

I then contacted XXXX customer service today, XX/XX/XXXX, and an online agent confirmed that a previously-closed account was showing a past due balance for equipment not returned ; however, further review of the account showed notation that the equipment was, in fact, previously received by XXXX in XXXX. There was no further statement by the representative why the amount due remained on the account, or why it was referred to collections only now. 

The representative indicated that the account would be noted, but was otherwise vague as to what would happen regarding my old account apart from reference to a " ticket. '' There was no indication how an account with no actual outstanding payments or obligations would go " live '' insofar as debt owed, and why that was not vetted before referral to a debt collector.

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 2018-09-25
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX and again on XX/XX/XXXX regarding 2 collection accounts on my credit report. Both times I have requested proof of the debt. They refuse to provide proof of debt and have stated its the original creditors responsibility to report it to them. 

I spoke to original creditor on both XX/XX/XXXX & XX/XX/XXXX they state that they have no open account. Dates on " collections '' are from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
its been 60 days, no response and all 3 bureaus disregarding the law by not responding to consumer disputes & hopefully this will be the last time they do that.

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 2021-03-01
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We tried refinance our duplex - rental property. We were told 3.5 % with half an point verbally as I wrote down when I first call.. 
We started the loan process, it stared with2 %, then 2.75 %, 3 % ... 
The original estimate closing date was XX/XX/XXXX, then XX/XX/XXXX. then XX/XX/XXXX We start the loan process at end of XX/XX/XXXX, as of today we still have not yet close the refinance, and the discount points keep going up? and the closing cost keep going up. 
I tried to contact and email the loan officer, I basically got ignored and receive no response from ... 

So Here I am filing Mortgage consumer complaint..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been working with PennyMac since XXXX of 2019 and have had nothing but issues. My bimonthly payments were not being accepted since " the company doesn't recognize partial payments. '' I had to call every month to have them moved. Starting XX/XX/2019, I went to making full payments hoping it would reduce frustration. However, it hast, just lead to more. They continue to lose payments and their statements/loan activity is so difficult to follow it hard to decipher what they are doing, where the payments are going to, and why a certain amount is put into " Suspense. '' I thought they had to apply an overpayment to the loan in one form or another. I also receive harassing phone calls weekly stating I need to make additional payments. I have filed 2 discrepancies against their payment activity. Their response was " it was an IT issue and it has been resolved. Your partial payment was reversed. '' I never saw this reversal. I also had my agent at XXXX reach out to the company on several occasions and have received vague answers. I don't know where this reversal went but it wasn't to my account. Please look into this. I am currently looking at refinancing and cutting ties with this company. My agent at XXXX XXXX contact information is below. 

XXXX XXXX Mortgage Banker NMLS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called about once a day for the past few months- I have told them to take me off call list- they either hang up before I can get a word in or say they will do it and call the next day. 
I called back today and pretended I didn't know they were a scam- and the lady was very rude- very XXXX and telling me she didn't care if I knew it was a scam or not that her shift was almost over. I told her I was going to report her and she said she didn't care- people do it all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with Caliber Home Loans was transferred to XXXXXXXX XXXX   XXXX XXXX after the security was acquired by XXXX XXXXXXXX XXXX. I've been informed by XXXX that there are 2 months of payments missing and that they are waiting on a wire transfer from Caliber in order to reconcile my account.

Caliber did not transfer all of the funds associated with my loan and as a result, my account is showing an incorrect balance. 

XXXX has requested the wire transfer. Caliber has either been obstinate are incompetent in completing the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Santander Consumer USA Holdings Inc.
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:
Santander Consumer is reporting a debt on my credit file and it needs to be removed. I have been disputing this account and Santander keeps updating it and it is in violation. This account is not only past the statue in Utah but this is past the credit reporting limit in accordance to the FCRA guidelines!! It has been well over 7 years since I last made a payment and this must be removed immediately. You are in violation and this needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children. The following items are appearing on my credit report as a result of me being victimized I am requesting that these be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago ( XXXX ) and tried disputing directly with credit companies. Please help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: PA
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 XX/XX/XXXX, EQUIFAX MORTGAGE SER add a hard inquiries on my credit reports per Equifax ( the report does not include information about the creditor ) and XXXX.

On XX/XX/XXXX, XXXX XXXX add a hard inquiriy on my credit report per Equifax ( the report does not include information about the creditor ). 
On XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per Equifax ( the report does not include information about the creditor ). 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion has bad information, addresse 's and are reporting them to credit companies. This is nicking my credit rating. After calling, this is a boiler room operation that employs people that can bearly speak english. This should not be allowed let alone destroy people 's credit rating. This XXXX cent operation should be shut down.

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 2021-12-03
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
There are some negatives items in my credit report and dont belong to me XXXX BANK XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed with Chase Bank without them acknowledging me before hand. On XX/XX/2018 my direct deposit from work was deposited into My account that I later found out was closed. I called chase to see if I could just pick up a check for the remaining balance or have the funds transferred to my wifes account. I was told no and that a paper check would be mailed to me and it would take 7 to 10 business days. 10 days passed and still no check. I called chase again and they extended the mailing date but could not give me a reason as to why the check did not come. I called customer service several times and have gone into the branches in my city and I still didnt get any answers. I went into a branch and was told that I could open another account and have the funds transferred into the account and it will take 4 days. Today is the fourth day and I have still yet to receive my money. I called customer service and they said there was no paperwork or anything on file that showed I should be receiving MY money. Is has been almost a month without my money and Chase has been nothing but rude to me when I call to recitfy the situation. I will have no choice but to have my lawyer contact them at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Credit Karma, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/23, I applied to refinance my car loan via XXXX. The advertisement was in my Credit Karma portal for a refinance at 3.12 % for 66 months. After following up with the companyXXXX XXXX and the email I received that my application was being processed on XX/XX/23, I was told that Credit Karma had the wrong rates and that I could not be given the 3.12 % because of the Federal Reserve. asked the company why I kept receiving the advertisements for weeks after increasing my credit score and to remove the hard credit pull on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Security National Financial Corp
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I closed on my home loan at XXXX XXXX, XXXX Texas. 
After closing, I experience damage to my home, which cause me to make a claim to my insurance company XXXX XXXX. I was denied, due to non-payment. I called my lender and he stated that I was suppose to pay it prior to me closing and if I find the receipt to let him know. I was informed by the loan processor and insurance agent that no payment was required from me prior to my closing, due to the mortgage company requesting the evidence of insurance to apply to my escrow account. I then called Security National Mortgage and was told that I have insurance and my next payment will be sent to the insurance company XX/XX/XXXX. I have obtain damage to my home due to the freeze, that has cause my pipes to burst and my ceiling to collapse in the garage. After taking a closer look at my closing documents, and speaking with my realtor and the title company, I found several discrepancies. 
First, my insurance stated that it was paid prior to closing. Second, I did not receive my sellers credit of XXXX and third, my earnest money was suppose to be given back to us after closing, but was applied to my downpayment. All of the above was agreed upon by all parties and signed no more than 48 hours prior to us actually closing, but the actual closing documents were totally different.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19
Company: PNC Bank N.A.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a car loan and the company told me they received the pay off check after it was totaled out. I paid several months for a car that was no longer in my possession and they marked two payments late because of the miscommunication between the bank, my insurance company, and the gap company. The bank reimbursed me for my car payments made after they received the pay off check as well as the late fees but will not remove them off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: DISCOVER BANK
State: NY
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:
I have been dealing with Discover Card regarding a disputed transaction with a vendor over a charge incurred for an event which was cancelled. I used my Discover Card onXX/XX/XXXX to purchase 3 tickets from XXXX XXXX XXXX to a live sports event which was to take place on XX/XX/XXXX. That event which was for the XXXX XXXX XXXX  was officially cancelled due to Covid-19 and I received an email from XXXX XXXX XXXX on XX/XX/XXXX giving instructions on receiving a refund. The email stated that a refund would be issued to the original payment source in a timeframe of 2-4 weeks. I emailed the vendor after 4 weeks on XX/XX/XXXX and received a reply from the vendor that a refund would be processed within 2-4 weeks. At that point I decided to contact Discover Card to formally dispute the transaction. I was issued a temporary credit on XX/XX/XXXX by Discover Card pending their investigation. I provided several supporting documents which were emails from XXXX XXXX to me detailing their cancellation policy and refund policy. Discover ultimately sent a final resolution email to me on XX/XX/XXXX which stated that they had decided on behalf of the Vendor. I spoke with Discover on XX/XX/XXXX in their billing department regarding the dispute. The representative went through the materials provided by XXXX XXXX XXXX and stated that the vendor claimed that the event was postponed and not cancelled. This was an outright lie and the cancellation was clearly stated in XXXX 's email to me which is what I provided to Discover in the documentation that I provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Called the Wells Fargo online fraud claims center and spoke to representatives who stated that I filed claims but yet I never received the claims or money. Theyve been stealing money and reporting the refunds then rerouting it to their accounts again and again.

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 2019-02-27
Company: Franklin Credit Management Corporation
State: PR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I did have a mortgage with XXXX for 28 years. Due to economical problems ( lossing my job ), I went through 4 Loss Mitigation process. At the end, the bank sold the account to a collection agency ( Franklyn Credit ). 
Again, I went through another Loss Mitigation process. I passed the probation process and now, I'm suppose to sign a new contract.

My worry is that the principal balance is {$62000.00} and I do recognize the debt.The problem is that they want me to sign a contract that add the amount of {$26000.00} ( for interest and late charges that were charge by XXXX, third lender ).

Is not fair to paid " interest over an interest '', or the struggling law for mortgages accept that action for good.In that case, does the collection agency has the right over those interest owe to the previous lender? Since the transaction was for the PRINCIPAL balance.

Franklyn Credit pretend charging me the total amount of {$88000.00}, more than the market value of the house. Do I have any rights? Do I have to pay the mortgage again for 30 years more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XX/XX/XXXX I had went through the process of correcting my Experian credit report after my husbands identity was hacked through the Office of Personnel Management. At that time a Freeze was put on his credit file. I was told this morning I would have had a password sent to me. Neither of us remember getting a password from them. I called his morning because the car that we take our son to treatment for XXXX broke down and I was trying desperately to get a loan to get it fixed. XXXX offered to give us the funds but needed to access my husbands credit file that was frozen. I called Experian at XXXX XXXX XXXX. at XXXX XXXX XXXX and got nothing but computer mazes saying I had to write to them. I finally called around and got a XXXX XXXX XXXX number. I called it several times and was finally able to get a live person. I explained the situation and she still insisted on me writing a letter. I asked repeatedly for a manager and finally got a " XXXX '' who claimed was a manager, ( although suspicious ) I explained we disperately needed the loan and I could provide a proof of my sons illness and proof of the tow bill dated XX/XX/XXXX and the repair bill estimate if needed, she put me on hold and then said I could either pay her {$20.00} to overnight a password, or mail request. I gave her may credit card to overnight the password and asked for confirmation. She said she didnt have a confirmation. I asked why since I gave her my card to pay the {$20.00} fee to overnight and she again claimed there was no confirmation. Nothing to show she was going to overnight the password I needed. She seemed only interested in money, and not helping with the situation at all. I am very disappointed that this company takes all our information and seemingly holds it for ransom on their terms. More like extortion. They allow people to steal our credit, charge us to clean it up, put a freeze on our file, and then charge us to take it off. What a racket!

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 2018-09-25
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2018, I was informed by Navient that I qualified for loan forgiveness program. Navient employee asked me to stay on line while she directed my call to a XXXXpecialist who would take my information and begin request for loan forgiveness. I was charged a fee to begin process and on XX/XX/2018 XXXX payments of XXXX was charged to my credit card. After contacting Dept. Education, I am now aware that I do not qualify for loan forgiveness program and no fees should have been paid for any reason. 
My bank is aware and will look into XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I iled a legitimate dispute with Direct Express regarding {$390.00} of fraudulent charges on my card make by eve XXXX. Having never filed a dispute before I made sure followed there dispute process throughout their investagation. I was given a provionsal credit of {$390.00} until they completed their investagation.. upon completing their investagation they determined the was no error made. I received a letter from them them stateing they were reversing the privionsal credit in the amount if {$0.00} when they actually withdrew {$390.00}. My claim was a legitimate claim. I contacted the XXXX  and found countless of people who had experienced the exact situation that I did however their banks honored their disputes and Direct express denied mine. I requested a copy of the documents direct Express used in determining the outcome if my dispute and have not received them.

Company response to consumer: Closed with explanation