BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was on a Covid 19 forebearance program for my mortgage starting in XX/XX/XXXX. Basically, over the phone I was told that my principal payments would be deferred, and added to my loan term, therefore extending the life of the loan. During such time, interest and any payments made on my behalf would also be included. I agreed, as it was fair and how many other relief programs were structured at the time. As the months went by, I realized that I could not afford to keep my house due to disability/Covid issues. So I put my house on the market and sold it. Today, at closing ( XX/XX/XXXX ) I discover that Pennymac had received a claim from XXXX for the principle missed during my forbearance period, and now they ( XXXX ) had a lien on the property. At no time under this program, did I understand this to be how it was to be administered. And it certainly wasn't explained to me that way over the phone. Again, I was told that my PRINCIPAL payments would be deferred, and added to the end of my loan term. All interest and other payments were accruing daily, and was understood. When I called Pennymac after this was discovered at closing, I was told that somehow that I agreed to this. Apparently, the wordy paperwork that they sent for me to sign and filled with legalese, had something completely different than the phone call embedded within. Pennymac was made whole by this insurance payment from XXXX, but I did not agree to such an arrangement. Not to mention the assistance provided to them by the Federal government. I did not pull the notion of my payments being added to the end of my loan out of thin air. It is, in fact, what I was told by the Pennymac representative over the phone. And if they record those calls like they say that they do, you will be able to find that out fairly quickly. In conclusion, the total sum subtracted from my closing statement far exceeds the payments and escrow I have missed during these trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: FIRST ADVANTAGE CORPORATION
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was going through the process of having a background check done for a new job. The company responsible ( First Advantage Background Services Corp ) found a case involving ARMED CAR JACKING and one involving ARMED ROBBERY committed in XXXX XXXX XXXX COUNTY, MS in 2017. However, I never committed these crimes nor have I ever even lived in or visited XXXX County, MS . Despite the fact that they have my Social security #, Birthdate, and the entirety of my residency history for the past 8 years they still somehow connected me with these crimes and put it on the report sent to my employers. After I found out about this through email I contacted the company via phone and once I had verified my account the representative I spoke to said the only way to resolve this was to dispute the information through the company. Then said he would start that process with their dispute department after verbally verifying that I disputed the inaccurate information. Finally he asked me to verify some physical characteristics and then gave me an email address to send pictures of my drivers license too. I do not feel comfortable doing that seeing as they can not even handle a simple background check correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company called XXXX XXXX, holding my debt from CITIBANK, NA ( BEST BUY ) has been sent 6 letters from XX/XX/XXXX until XX/XX/XXXX trying TO SETTLE this debt and get it REMOVED from my credit files! They have ignored ALL ATTEMPTS to communicate with them or settle this debt! Instead they called family and friends and made me look like a fool! ALL I wanted to do for over the past year is SETTLE the debt and have the information REMOVED from my credit file! 
XXXX XXXX account # XXXX amount offered for settlement {$190.00} No one has ever responded to my repeated attempts to settle 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 2018-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive been a customer with Chase for a couple years. I have always been in good standing with Chase. A couple months ago, I unfortunately was a victim of a scam. The scammers had me deposit a check for around {$1500.00}. I realized it was a scam before I did anything else. I called the Chase Fraud Department and talked to them about my situation. I asked them to stop the faulty check. The fraud representative told me to wait until the check bounces and I should be fine. He told me I wouldnt be charged any fees or anything else. On XX/XX/XXXX I received a school loan check of {$6700.00}. I currently attend Arizona XXXX University. They told me it wouldnt go through until XX/XX/XXXX. On XX/XX/XXXX, which is today, I went to grab lunch at my local cafe and my card got declined. I called Chase and they told me my account got restricted and closed. They didnt want to me why it got closed over the phone. I spoke to a supervisor who told me the same thing and she said I shouldve got a notice yesterday. And to add to my confusion XX/XX/XXXX was XXXX XXXX and we dont get mail on XXXX XXXX so I checked the mail and there was no notice so I did not receive a proper notice at all prior to the closure of my account. I had {$260.00} in my account and now I wont have access to my funds in weeks. I called back to see what my options are to get my money as soon as possible ( the supervisor did not want give me any options to do so ) and the representative told me I could verify the check I got from school so they could release the funds to me in cash ( first representative told me I would have to wait for the check back in the mail ). 

Im assuming they closed my account because I had a fraudulent check bounce on my account 2 months ago. I was told I would be fine and I wouldnt be penalized but I feel like it was unfair for them to close my account and not give me any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I removed a authorized user from my account in XXXX or 2018 I notified Citi bank I no longer want to be financially responsible I would like them removed the agent was nice told me everything was done I paid the XXXX dollars they had run up on the card in full. Without my permission without my knowledge Citi bank issued them a new card 4 months later They run the credit card up to XXXX dollars and citi bank says Im responsible. Now citi bank admits in recorded phone conversations I called and told them in XX/XX/ 2018 I no longer want to be financially responsible and I want this person removed and citi bank admits I never once called them to add another autorized user to my account so how am I able to be held financially responsible?

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 2018-11-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home -- a new property, qualifying for a 10 year tax abatement -- in XX/XX/XXXX. At the time of close, it became apparent that the closing company had forgotten to account for my tax abatement on some estimates ( causing me to pay a couple thousand additional dollars into my escrow account at close ). I was assured that this could be worked out with my mortgage company after closing.

My mortgage was sold to Fifth Third Mortgage Company in early XX/XX/XXXX. I promptly submitted an inquiry re : the escrow amounts on XX/XX/XXXX. Not only did I have the excess in escrow from closing, I also had to pay an extra ~ {$300.00} a month for my mortgage, so I was eager to resolve the issue as soon as possible. 

In response, Fifth Third opened an issue and informed me that they would respond in 15-25 days via mail. 

This delay was frustrating to me, as I hoped I would be able to provide legal documentation of my tax abatement right then. I asked if I could speak to someone from Fifth Third Mortgage Company directly. They said no. 

In early XXXX, I received a response in the mail, indicating that they needed further evidence of my tax abatement. I immediately faxed over a copy of my stamped document affirming my property 's tax abatement aside the letter they sent me. I followed up this fax with an online message to confirm the receipt. Again, they indicated they would respond in 15-25 business days. 

Today is XX/XX/XXXX, and I have still not received a response. My monthly mortgage bills are hundreds of dollars higher than they should be, and I am owed thousands of dollars from closing three months ago. I sent a message explaining that my promised response was missing and that holding excess in escrow is a violation under RESPA. They responded to tell me to contact customer service over the phone -- despite the fact that they told me earlier there was no way to contact a Fifth Third Mortgage Company rep directly over the phone.

I am completely frustrated with this situation and the way I've been treated by the Fifth Third Mortgage Company. 

I've attached screenshots of all my correspondence, as well as the evidence of my tax abatement ( as faxed over on XX/XX/XXXX ) and screenshots of my account info and activity ( taken today, XX/XX/XXXX -- showing the escrow balance vs escrow disbursements & monthly fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing the validity of this debt. I have been sent bills from this company that is not accurate and I feel that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Experian Information Solutions Inc.
State: DE
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 sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). XXXX, in particular, has also failed to correct my name on my credit report. Experian continues to display variations of incorrect names of other people, and XXXX has submitted their responses late after 30 days on two occasions.

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 2018-06-19
Company: Experian Information Solutions 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:
spoken with XXXX, XXXX, and experian on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others. ABOUT ME AND MY WIFE

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 2021-08-06
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: Account status incorrect

Complaint:
Despite the multiple previous written requests in Equifax Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX  XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed one of my checking accounts without notifying me. 
The account was closed XX/XX/2018 due to inactivity. I have had this account for years and always kept a XXXX balance or several dollars in this account and this account was never closed until now. They have refused to reopen it. I have had one person told me that it would be reopened and another person said it was in the process of being reopened. The last person that I spoke to said it could not be reopened.

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 2021-03-25
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, a new collection account appeared on my credit report from Debt Recovery Services ( DRS ) - original creditor was a pay day loan from XXXX XXXX in the amount of {$350.00}. See page 1 of my proof document a page taken from my XX/XX/XXXXcredit report. 

On XX/XX/XXXX I mailed a check in the amount of {$350.00} to DRS as full payment for the debt. This check cleared my bank, XXXX XXXX XXXX, on XX/XX/XXXX as evidence by DRS deposit stamp on back of the check and the amount being debited from my account. See page 2 of my proof document. 

After several calls to DRS the week of XX/XX/XXXX, XXXX, and XXXX, DRS still says it has no record of my payment. After filing a dispute with XXXX and XXXX, DRS still indicates that I owe the debt. See page 3 of my proof document which shows the results of my dispute. 

I have provided proof to DRS and to the two major credit reporting agencies and DRS will not acknowledge that they cashed my check, collected the funds, and will not modify my credit report. This is WRONG, it is criminal and they should be held accountable for violations of the FCRA. This is a clear violation of the act since I have undisputed documented proof that this debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX I am attaching my Drivers license, my social security card and XXXX accounts which I noticed recently when checking my credit that are not mine.

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 2020-10-13
Company: Nelnet, 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: Account status incorrect

Complaint:
My account with Nelnet was closed and transferred on XX/XX/XXXX. Recently it was reported as pass due dating back every month since it was transferred and closed. I have tried filing a disputed in XX/XX/XXXX that was just closed with no resolution. Then I spoke to experian who opened a new dispute which was closed the same day with no resolution according to the dispute center. Next I spoke with Nelnet that claims the last report that they sent was in XXXX of XXXX. They also claim that they have not received either of my disputes. I then email experian giving them over 72 hours to correct this mistake and have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I dont believe my credit score is a fair representation of my abiity to pay my bills. It is under 500 and this makes it very difficult to get a low Intererst loan, I can not seem to win, no matter what I do, recently I was forced to pay over200 % interest. I : will pay the balance off way before the end date, but it is ridiculous that I am paying that rate. I need to refinance a car I am paying 19.99 % interest on, but with my credit score which is the first thing a potential lender sees, they write me off without even looking at my report. I ; have very little debt, and credit for that matter. I realize it doesnt help that my only 2 credit cards are over the limits and currently late, I have been ill, and my daughter has been paying my bills for the past few months. I have always paid what I owed, even if the card or debt was charged off, how can this help me. My student loans are my only significant debt and they are in forebearance and will most likely be forgiven because of my XXXX. I havent been able to use my very expensive degree and where do all of these loans that I take and payback in a timely manner at a horrendous interest rate show up, I should get points for those, it just doesnt seem fair at all

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 2020-11-15
Company: EQUIFAX, INC.
State: SC
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 several accounts on my credit report in error. I ask that they be investigated into and then the credit bureau takes the next appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I had a collection with EOS CCA from XXXX XXXX XXXX. At the time I received a call from the collection company I advised not to call me anymore unless they would do a pay for remova from my credit reports to which they agreed on XX/XX/XXXX for an amount of {$260.00}. Fast forward to XX/XX/XXXX after numerous calls and emails to supervisors and managers to tell me they dont do that which sounds like a complete lie. It is a breach of contract and I will pursue legal action if they do not uphold our verbal contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Capital Ent is collecting for XXXX XXXX XXXX. I have never received any service from XXXX XXXX XXXX. I have never signed up for service that I received. American Capital Enterprises has never contacted me about this or I would have been able to tell them that I disputed the debt. They should have validated whether or not I had the debt or not before they go and just put it on my credit. I am unable to get housing because of it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation