BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Last Friday, XX/XX/XXXX I closed my checking account with Bank of America. This includes my safety deposit box as well, which I had been paid for annually on XX/XX/XXXX for {$85.00} dollars. I did ask for a prorated credit for the remaining time to XX/XX/XXXX. No prorated refund for the remaining 9 months of the year. I'm sure they will probably rent the safety deposit box and secure rental fees.

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 monetary relief
Consumer complaint received 2019-10-07
Company: EQUIFAX, 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 belongs to someone else

Complaint:
There are five accounts on my credit report that do not belong to me. The accounts are the following. XXXX  XXXX {$12000.00}, XXXX XXXX/XXXX {$8500.00}, XXXX XXXX   {$16000.00}, XXXX-XXXX {$18000.00} and XXXX XXXX XXXX XXXX {$6600.00}. I have filed an FTC identity theft report as soon as I was made aware of these accounts because they were opened by someone else without my permission. I contacted the creditors as well as the credit reporting agencies and explained what was going on, however, the creditors nor the credit reporting agencies did anything to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: Ark-La-Tex Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved for the down payment assistance program but now they have denied me and want to switch me out of the loan and start a new loan with higher interest and bigger down payment. They had sent me the confirmation that the down payment assistance and interesr rate was locked but they want to renege on their commitment bc market rates are going back up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated a Refinancing Transaction with PennyMac Loan Services , LLC on XX/XX/2020, to refinance my current mortgage with them. 

An appraisal report was performed on my house and PennyMac told me that they will not move forward with my application because the appraisal report shows that my front steps need repair. This is the reason why I am going through the refinance so that I can have some funds to repair my front steps. 

This was not disclosed to me upfront by PennyMac that they will not move forward with my refinancing when I contacted them on this refinance transaction. 
Therefore, I withdrew my application and moved forward with another Mortgage Company. 

I have been requesting from PennyMac for 2 weeks now the XML file of the Appraisal Report, a copy of the invoice, and a copy of the Paid Receipt which I paid for using my VISA Card. 

The Mortgage Loan Originator from PennyMac Loan Services , LLC NMLS  : XXXX who I have been requesting this information is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, XXXX, CA XXXX. His Direct Line is XXXX XXXX XXXX XXXX and his email address is XXXX. Branch NMLS # XXXX and Corporate NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Financial Freedom Group, LLC
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I have been working with DebtBlue to payoff some credit card debt and I wish to payoff my entire balance and also inquire about the terms of the current debt. After calling them and not getting a good response I sent them an email in order to maintain a written record. 

On XX/XX/2021 I sent the following email to XXXX : Dear DebtBlue, I would like to pay off my loan. Kindly let me know at the soonest : What is the pay off balance? 
What was the original principal? 
What is the APR? 
What are the instructions to pay off the remaining balance? 
This is my second attempt to contact you. I hope to hear from you this time. 
Many thanks, on XX/XX/2021 they responded : Hello XXXX, This is XXXX with DebtBlue. 
The amount to payoff your account will be {$2800.00}. 
{$2300.00} - to payoff your account {$500.00} - Fees {$1800.00} - Settlements {$30.00} Cushion = {$2800.00} If you have anymore questions feel free to call in at ( XXXX XXXX XXXX ext XXXX Thank you, XXXX at DebtBlue. 

Notice in the email they did not provide the all the information requested. In particular they did not explain how I could payoff the balance as I had requested. 

on XX/XX/XXXX responded : Many thanks. Please also confirm the original principal as I had requested in my previous email. As I also wrote in my previous email I want to pay off the full remaining balance ( {$2800.00} ). Please send me the instructions to pay off this remaining balance at your earliest convenience as I had also requested in my previous email. 

I received no response and sent a subsequent email on XX/XX/XXXX : Dear XXXX, This is my third attempt to obtain instructions on where and how to pay off my loan balance and find out about the APR. Is your lack of response a willful attempt to prevent me from paying off my loan and incur additional interest costs? Is your unwillingness to share my current APR an additional evidence of your lack of transparency? If I do not receive clear instructions on where and how to pay the remaining balance within the next 24 hours, I will consider the answers to be yes and will contact the CFPB. 

Regards, I have yet to receive a response to my inquiry. As my above email suggest and as their inaction demonstrate, I believe this is a willful act to prevent me from paying off my debt and continue to incur an unknown interest rate ( which they refuse to disclose ). Even the monthly statement lack transparency - most loan statements clearly stipulate the remaining balance and interest. I believe that this is not an isolated problem but a systematic deficiency in their lending practice that is intentionally deceptive in order to prevent consumers from paying off their loans or perform comparison shopping for a better rate. The consequence is widespread financial damage to the consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX without my requesting it, I was enrolled in Paperless Billing. While I was indeed logged into my account on the XXXX. ( my records show that I reviewed transactions from a recent trip ) I did not request paperless billing. 

By arbitrarily enrolling me in Paperless Billing, Citicards avoided sending a paper statement which caused me to miss my subsequent payment due date. Since no statement arrived at my home, no payment was sent and now I have a missed payment on record, an interest fee and a late payment fee. 

I was refused any redress by Citicards when I contacted them by phone and chat on XX/XX/XXXX. While online with their chat personnel I found that they had disabled my ability to turn off Paperless Billing,  which was very suspicious. 

This smacks of a predatory practice ( making changes to an account without any request ) and needs to be promptly addressed.

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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

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 2019-11-15
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had a XXXX XXXX credit card that unfraternally went default due to a hardship that I am going thru. The account went charge off, I called XXXX XXXX with the hope to get a resolve my balance and prevent any legal collection. 
During my call with XXXX  XXXX I explained my situation and they offered the option to settle the account for less than the balance, I told them I could get a family loan for {$2000.00} dollars, the XXXX  XXXX representative answered he cant settle for that amount but will ask for an approval, He asked for some for XXXX  XXXX approval or decline my offer. 
After a few days of waiting, I called XXXX XXXX asking for the decision of my offer, but I was informed that the account was assigned to a Law Firm. 
This Law Firm is named Hunt and Henriques, so I called them but when I first called, they didnt have the file set up, so I just left my contact information. 
A few days later this Law Firm called me. At the beginning of the call the representative informed me that he was a debt collector, not an attorney. I asked if the company was a debt collection agency or a Law Firm, due to the activities they perform he clarified they are not attorneys, but they are debt collectors. 
In this initial call, the representative asked how I can pay the balance, but I explained that I was not able to do due to my financial crisis and the hardship I am going thru. I informed him I can get a family loan to settle the debt and I was waiting for XXXX XXXX approval of my offer before they sent the account to his office. At the end of the call he clearly threats me with a lawsuit because we did not meet in an agreement. 
A few days later, I received a second call from the same law office/collection agency, The representative asked for a payment in full and this time the pushed me hard to pay off the debt, for second time I explained my financial situation and this time the representative asked for my monthly income, expenses and the source of the income. After I answered all his questions about my financial crisis, the representative suggested that I was lying, and my answers do not make sense to him ; It was not a nice call since the collector called my layer. I asked to the collector if he can forward and show my offer to his client ( XXXX XXXX ) but he responded that was not possible because he was expecting to collect the entire debt and for second time, I receive a threat that I will get suit since I could not pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given a {$200.00} American Express Gift Card from my former employer a 3-4 years ago. The card is clearly marked on the front of the card with an expiration of XX/XX/XXXX ( XX/XX/XXXX ). The back of the card also clearly states " Funds do not expire ''.

Went to use the card on XX/XX/XXXX and the store told me it had a XXXX  balance. Didn't think I had used the card so I called the customer service phone number on the back XXXX to find out why it had no balance. Long story short - they told me it was a state/federal law that required them to XXXX the account one year from issuance. They told me they cold re-issue the {$200.00} balance - but they needed to talk to the person the card was issued to ( former employer HR department ).

American Express contacted the HR assistant at my former employer and told her she needed to email them various pieces of personal information, i.e., DOB ... then they could re-issue the {$200.00} balance to the card. The HR assistant is not comfortable with sharing that information.

Reached out to American Express a second time and tried to speak to a manager to try and get this issue resolved. Long story short I was transferred to their XXXX customer service department - which could not put me in touch with a manager. I was told there was no manager on site, I was not allowed to leave a message and my only option was to continue to call back and hope I caught a manager ... What the XXXX!

American Express is stealing the {$200.00} and it's a complete travesty that they can clearly advertise an expiration date that's completely false. It's ridiculous what they are making me go through after I've spent thousands of dollars with their company.

The card was issued in the state on MN and MN Gift Cards do not expire per a XX/XX/XXXX state law. I want my {$200.00} back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/18 I paid XXXX late fees and requested an extension of my loan XXXX XXXX XXXX. I sent the paperwork back four times and the claimed they never received it. After a minor operation another rep called me and said if I went to staples she would fax it to me there and I could sign it and send it right back. They started trying to fax my phone number. I went to staples faxed them and told them they were using the wrong number. No response. I was getting harassed repeatedly XXXX and 4 times a day. I spoke with no less than XXXX rep and explained, no one paid any attention and just kept calling. People would tell me that they would call me back the resolution and didn't. They just continued to harass me at work, at home no matter where I was. When I would block one number, the would call from another. I have been so stressed, that my XXXX XXXX flared up and was hospitalized. Due to my condition, I can't live with that much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I placed a fraud alert in my credit reports over a year ago and I have received numerous unauthorized inquiries from companies but was never called by the credit reporting agency to verify if I authorized the transaction. I called the credit reporting agencies to see if my phone number was listed in my file and spent nearly 30 minutes explaining to a customer service representative what I needed just to get the run around and still did not find out if my phone number is listed in my credit report. What's the point of having a fraud alert on your file if the credit reporting agency is going to supply anyone who request you files without ensuring it is an authorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pennymac Loan Services LLC recently purchased my mortgage. Payment is due in a few weeks, but I can not get details from Pennymac on how to submit payment to them. They have failed to send me these details. Pennymac 's call center is not adequately staffed, leading to hours of hold times. My Pennymac account does not reflect this mortgage. There has been a systematic failure by PennyMac to allow me to pay them per the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: CO
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 opened a checking account with XXXX XXXX in XXXX. In XXXX I made a transaction that XXXX XXXX  paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. XXXX XXXX  decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from XXXX XXXX  from XXXX. I have shredded all paperwork associated with XXXX XXXX  since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to XXXX XXXX   several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since XXXX XXXX  opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt XXXX XXXX  does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).

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 2018-02-12
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
EOS CCA reached out to me on numerous occasions about a debt to XXXX XXXX. I advised them that the account was involved in some type of fraud and that I was in the process of filing a complaint with the state of New York, but they have continued to call. They have even gone as far to call relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
After paying Satander USA for nearly 3.5 years on a contract/agreement that I signed for a XXXX used XXXX XXXX back in XX/XX/XXXX. I thought I was honestly doing something good because at the time I put down {$1000.00} and I had a co signer. But the company took advantage and after nearly 4 years the told me I still owed almost {$12000.00}. The vehicle at the time was {$12000.00}. Keep in mind it had nearly 90,000 miles on it. Since doing a voluntary repo on the vehicle Santander has been reporting inaccurate information to the credit agencies. I havent been able to get the company removed from at least 1 credit agency. They had made it nearly impossible to do anything because for the longest no company would finance me for anything. It seems they had hidden fees that we didnt know anything about. Obviously after signing a 48 month contract with them and having the vehicle for nearly 3.5 years and still owing the original price for the vehicle something is going on. The company should be shot down and anyone with issues should be some type of harassment settlement. They called even after doing the voluntary repo in the vehicle to me and my co signer telling us that they would begin garnishing our wages and making threats to us both. I didnt know the laws at the time and that was after we gave the vehicle back.

Company response to consumer: Closed with non-monetary relief