BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-10
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020, I received an email from XXXX XXXX that my card limit had been decreased. It was my JcPenney Credit Card. I didn't receive an adverse action notice from the company to inform me why my credit limit was decreased. On XX/XX/2020 I emailed the company requesting that my credit limit be restored to the higher limit that it was. On XX/XX/2020 I received an email response back from the company that did not tell me the reason why my limit was decreased and that it would stay at the lower limit.

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 2019-02-08
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I attempted to purchase hockey tickets from a XXXX ad and was told to send the money through XXXX. I didn't have a XXXX account but it was backed by all the big banks including my bank PNC so I figured it was secure. I sent the payment for {$400.00} through the PNC app. He immediately said that there was a 1-3 day hold since he didnt initiate the request and that he would cancel that and send me a new request. I asked for proof that he cancelled it and he said it wouldnt show right away. I knew at this point that I had been scammed and immediately reached out to my bank, about 30 minutes after sending the payment. I was told the payment was gone and there was nothing they could do. They said to contact XXXX which I attempted to do but everything is automated and I wasnt able to reach an actual person. The money was sent to a bank account so XXXX has to know who received the money. I'm hoping you all can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was a victim of Transunion glitch where they deleted a bunch of inquiries from credit reports, but didn't follow the law when they reinserted those back to my credit report.

In section 611 of the fair credit reporting act it states that anything deleted from your credit report and is later reinserted they must notify you by mail and they did not do so. I would therefore like all of inquiries removed.

Customer service would not take care of it for me. Listed below are the inquiries in question. XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX  : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX : Date of inquiryXX/XX/XXXX XXXX   : Date of inquiry XX/XX/XXXXXXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry XX/XX/XXXX XXXX XXXX : Date of inquiry 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 2018-03-26
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNC Bank originally started my loan process in XXXX of 2018 ... after delays and more delays, I sought help from another lender who within 10 days has already approved my loan ... the problem is PNC will not release the VA appraisal, which I have paid for, through the VA portal to my new lender and we have requested they do so on numerous occasions. ( we've sent them my new lenders VA number to be able to transfer the appraisal several times too ). For the past week they have continued to lie to me stating that they have released it in the VA portal, but when my new lender checks the VA portal it is still not there. 

PLEASE HELP. I AM IN RISK OF LOSING MY EARNEST MONEY DEPOSIT AND MY NEW HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted Trans Union via phone XXXX and chose to hold my place in line due to long hold times. I received a call back in less than 5 minutes and since caller ID on my phone is sometimes not helpful I answered the call and the representative asked how she could help and I explained I needed to temporarily unfreeze my credit for my credit to be ran by my credit union. She asked for my name, phone, and SSN, which I stupidly gave her. I think asked why her number showed up as " XXXX ''? She said she didn't know and I hung up. But she already had my information. The number she called from was 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 2019-02-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
have been trying repeatedly to get my mortgage modified by Carrington Mortgage Services which is a devision of XXXX XXXX and have been told that it wasn't received to send it by email. When I tried that approach their site would not allow it to be done so I called and told them and was told to send it in asap. So I filled out another set of forms and sent them and all documentation by 2nd day mail requiring a signature and they waited until the XXXX to sign for it then till the XXXX to look over it just to tell me that now it was too late to do that. When I pointed out that I sent it requiring a signature etc I was told to send the proof in which I did by fax. The very next day they once again denied it for being too late even tho I was informed by a supervisor that they could still do it. I was then told to send it in one more time and again the very next day it was turned down for the same reason. My intentions have always been to keep my house however I had lost my job and am now finally starting a new job. Due to all of this happening my house is now under water as far as what it is worth compared to what they now say I owe yet I'm sure that they will find someone to say it is worth more than what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I would like to dispute the validity of the above XXXX account. 
I request a dispute be started and XXXX account XXXX and request the account to be removed from my credit file. 

I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,

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 2019-02-08
Company: GREAT LAKES
State: NM
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:
XXXX I started repaying my student loans, I am a XXXX and used the income based repayment plan, I payed on them from XXXX - XXXX, every year they made me do a new income based repayment plan request and send tax documents, which I did. In XXXX, they asked for paycheck stubs also, I sent those, then they asked for a letter from the company I work for, I sent that. During this time, I had automatic payments coming out. Suddenly I received a letter with a message " your request for a deferral has been approved '' then no payments. in XXXX, I tried finding the loans, but the company had sent them off and told me to go to the default loan service, I tried finding them to who they sent me to, they had no information. Now XX/XX/XXXX, I get a letter that my XXXX original loans is now XXXX dollars and it is with some other contracted company. I had auto payments set up and the company stopped taking money out, then could not find the loans even though I was looking and contacting the company. How do I fix this and get back to the income based repayment plan I had been on for 3 years, when they suddenly deferred it and then moved everything around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
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: Problem with personal statement of dispute

Complaint:
I was just notified by XXXX XXXX  that I have a lien on my property through castle credit. I have a water system and castle credit finance me for the system. What I didn't know that they put a lien the minute you except the loan. I tried to refinance my house and it can't be done because of this issue. I talked to someone in castle credit and he stated that they do this with all there customers I hadn't had the loan only since XX/XX/XXXX. I am trying to get this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: AZ
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2021, I disputed the accuracy all details of a Bankruptcy showing on my credit report with Experian. On or about XX/XX/2021, Experian responded to my investigation request, stating that the details of the Bankruptcy were verified. According to the Fair Credit Reporting Act, it is Federal law that the verification be made directly with the creditors/courts, not a 3rd party service. I reached out to the court to ask if they share information directly to Experian or any credit bureaus, to which their written response was that they absolutely do not. 

By law, according to the FCRA, if Experian does not provide evidence that they verified the details of this bankruptcy with the court itself, it must be removed. 

I am attaching a copy of my letter to the court and the court 's written 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 explanation
Consumer complaint received 2019-02-08
Company: Seattle Service Bureau, Inc
State: AK
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The phone calls started last year. Not sure of the date of the first call but the first one I could find on caller ID was XX/XX/XXXX at XXXX from XXXX to our home phone number. I told them that we dont owe what they claim we do and to stop calling. XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX and XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX all to our home number. The calls continue getting more frequent until they call every day. They call our house, my cell phone and my husbands cell phone every day now. Phone numbers they use are XXXX, XXXX, XXXX. The guy said if we dont pay then they will take our drivers license away. I received a letter dated XX/XX/XXXX from XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX stating we owed {$2400.00} for some damages that we had nothing to do with. Ive been in contact with our insurance company, XXXX, and they sent them letters stating not to contact us and to contact our XXXX claims agent only. This company harasses us every day on all 3 of our phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The interest I am being charged wasn't disclosed. I recently found out that the interest rate is 49 %!! I would never have taken the loan had I known. Is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been dealing with credit discrimination for many years. I filed for bankruptcy 5 years ago. I recently completed my obligations and my credit score seems to be decreasing. I have friend that are XXXX with the same scenario and they have gotten approved for many loans to include the ones I have been denied. I would like a comparison take with someone of XXXX race making equal amount of yearly income and compare with my situation and see the inconsistencies and blatant discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I sent my mortgage holder, Caliber Home Loans Inc. XXXX. XXXX XXXX XXXX, TX XXXX a check for {$4000.00} to cover my normal monthly payment and extra on principle. On XX/XX/2018 the check cleared my bank but was never credited to my account. According to the back of the cleared check it appears that it was Cashed by XXXX XXXX XXXX. The back of the check said " CR PAYEE ACCT LACK END XXXX XXXX  XXXX XXXX ''. I understand that it means it was credited to Caliber Home Loans account with lack of endorsement, guaranteed. Caliber claims they have no record of it. Around XX/XX/XXXX I was finally able to talk to someone from the home loan department at XXXX  XXXX XXXX who directed me to send my information to XXXX  XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. Which I did and after 3 months have heard nothing. 
In XX/XX/2018 Caliber Home Loans started charging extra to make payments on line. I made the XXXX payment by check, they received it but did not apply it as I requested. The XXXX payment was made by phone, which they miss applied. It appears they are trying to force payments to be made on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 with product or service terms changing

Complaint:
On XX/XX/XXXX, I called Capital one and was told that If i brought my account current that Id be able to have my account reinstated. On XX/XX/XXXX, I paid the remaining balance of {$99.00} dollars which in return put my account in good standing. On XX/XX/XXXX, I mailed out a goodwill letter asking for forgiveness because I faced financial hardship during the months I couldn't make payment. I lost my job XXXX XXXX XXXX XXXX XXXX that was deathly ill. I ended up losing everything, and suffered from XXXX because of it. Once I got back on my feet I made sure to pay my Capital one bill because they were the only ones who were nice enough to work with me considering my situation. Or so I thought. The representatives were obviously selling me a fairytale story -- saying my account would be reinstated knowing that it wouldn't. After sending my goodwill letter and not hearing anything back from Capital one, I emailed the CEO ( XXXX XXXX ) hoping to get through to someone that could help. I sent the email on XX/XX/XXXX ( Pictures attached ) and haven't heard anything since. They did send me a refund for {$1.00} ( pictures attached ) but didn't bother to respond to a customer who honestly valued their services. 

At this point I've accepted that my account may never be reinstated, so I'm asking Capital one to please remove the late payments from my credit report, so that I'm able to buy a house for my family. Removing the late payments would raise my score drastically. As a person trying to get back on their feet after facing so much turmoil, I ask that you please consider this option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a XXXX rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.

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 2020-01-30
Company: Mr. Cooper Group Inc.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I needed help and asked for a loan modification. I filled out the forms with documentation required and had my signature notarized. It took them over 30 days to respond and all they wanted was information that didn't exist or had been submitted. They will not process the information until the following : Provide K-1s and llc tax forms on companies that don't exist. They want me to give them a certified letter to that effect Want to know if I have a spouse, child support or alimony. These questions were answered in the application I called them well before I missed a payment to start the process which they ignored. Instead, their computer continues to send threats. I had medical bills, last year, major repairs, and paid down the mortgage {$7000.00}. By not working with me and threatening to foreclose is a way to steal a XXXX, elderly 's home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Month of XXXX Transfer Fee 's and the Month of XXXX Transfer Fee 's. 

What is difficult and missing here is the cycle dates of the bill cycle in the presentation of the application that is on your cell phone. People are not aware how many transfers they have accrued nor does it show how many days left in the bill cycle. This makes it difficult to manage your savings account budge for transfer.

Company response to consumer: Closed with explanation