BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently made a mortgage loan through XXXX XXXX XXXX, in Utah, USA. I've received a letter from PennyMac stating they had bought the mortgage servicing rights, and demanding payment. I am unfamiliar with this company. I called PennyMac requesting verification that they do in fact own the servicing rights, which they refused to provide. The letter sent does not include the required disclosures of 12 CFR Part 1026.39, specifically : 1. 1026.39 ( d ) ( 3 ) The name, address and telephone number of an agent or party authorized to receive notice of the right to rescind and resolve issues concerning the consumer 's payments on the loan. 

2. 1026.39 ( d ) ( 4 ) Where transfer of ownership of the debt to the covered person is or may be recorded in public records, or, alternatively, that the transfer of ownership has not been recorded in public records at the time the disclosure is provided. 

I have no way to verify whether this is legitimate or a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Peterson Enterprises, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, WA at XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. They immediately turned a bill they believe I owe them over to Valley Empire Collections. 

I went to XXXX XXXX to have my XXXX XXXX. When I spoke with XXXX she neglected to tell me that the price had gone up and she told me I would only need one vial of to complete my XXXX. When I got there XXXX XXXX did not apply any XXXX XXXX XXXX. It was quite painful. He XXXX the vial around my XXXX and then stated that he would need a second vial to get to my XXXX and wanted to charge me an additional {$350.00} for it. I was in so much pain that I said no. He told me that a portion of the vial that he had applied around my XXXX was left and that he would keep it for me. Later that day I started to notice significant XXXX XXXX XXXX XXXX XXXX. I tried to call XXXX XXXX several times to inquire about the XXXX XXXX XXXX. At no time did they return my phone calls. Therefore, due to the fact that they never did my XXXX as I was scheduled for and their lack of customer service I put a stop payment on the check. When they realized I had put a stop payment on the check they finally called me. When I asked about the balance of my vial that XXXX XXXX had said he would hold onto for me they denied having it. They immediately turned the bill over to collections without ever attempting to resolve the issue of my XXXX not being done at all. 

I spoke with Valley Empire Collections on XX/XX/XXXX and was told that XXXX XXXX would provide me nothing in writing. In addition, I was told that this debt had only gone onto my credit report on XX/XX/XXXX. Contrary to that statement this debt has been on my credit report since XX/XX/XXXX causing me problems with my credit score. I find this odd as I did not go to XXXX XXXX until XX/XX/XXXX. One month elapsed before it was put on my credit record with no attempt on their part to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a request for XXXX to determine how many payments I have made during my loan history qualified for public service loan Forgiveness. This request was made in XX/XX/XXXX. The request has not been completed as of today ( XX/XX/XXXX ). When speaking with XXXX, they said that payment review is incomplete because Navient has not sent electronic records to XXXX. It has been over 10 months! This is unacceptable, negligent and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THESE XXXX KEPT CALLING ME AT WORK AND I LOST MY JOB AS THEY VIOLATED FEDERAL AND STATE LAWS AND I HAVE COMPLAINTS OPEN AND THESE XXXX TAKE THEIR SWEET TIME DOING NOTHING. I GUESS WHEN THEY GET SERVED WITH A HUNDRED MILLION DOLLAR LAW SUIT AND THE STATE OF COLORADO FILES AGAINST THEM THEY CAN GET THEIR XXXX  MOVING

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my debit card compromised staring on  XXXX   XXXX   2017 . Reported it on Sunday with Chase bank. Followed their procedures, and it affected my son as well as he was linked to my account. We shut the accounts down and I went to the branch 2 times. And was promised the money withi n 12 hours on the recorded lines with Chase Fraud.  I escalated again tonight. And still got the same scripted information from reps from  XXXX . This is a complete. Injustice to keep my money when my debit card was hacked. I had physical possession of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CAVALRY INVESTMENTS, LLC
State: VA
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 am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) CAVALRY PORT ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX  ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX ) SEE ATTACHMENT This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted this company on several occassions and spoke with the original person that they stated owed the bill. The original company, which was XXXX XXXX XXXX, indicated that this account should not be on the report. They told me that the account was pulled from them. I then reached out to Penn and then they updated it to paid. It should have never been on my report and I want it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of Equifax 's negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Exeter Finance Corp.
State: ME
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The original loan XXXX {$9500.00} and was taken out the end of XXXX. The insurance company sent you two checks, one for {$7400.00} and the second check was for {$1700.00}. These two checks total {$9300.00}. I also paid over 24 monthly payments On this loan. Where is all the overpayment money? Why did I receive several phone calls from a lady from your company requesting I pay her {$2000.00} over the phone or she would ruin my credit? I have the dates and times of phone calls. She said they never received a check from my insurance company but the insurance company provided XXXX  tracking information and a check cashing date. She would only describe the {$2000.00} as other This account was originally removed From my credit reports from my credit reports because of inaccurate information But she followed through with her threats and put it back on my credit report. I do have screenshots of my credit reports where my XXXX account was completely removed and then put back on my credit after her threatening phone calls using a start date XXXX instead of when the original auto loan was opened in XXXX. Also, not providing complete or accurate information when put back on my credit report. Please advise thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is no Good but the Great XXXX ; Creator and Master of All Things! Greetings To You All ... This complaint is a spin-off of another complaint against XXXX XXXX XXXX, XXXX. On or about XX/XX/2019, NetCredit, Inc., was issued a 'Cease and Desist ' Letter for account # XXXX and Social Security TRUST account number XXXX of the amount of {$1600.00}. The chartered-party XXXX XXXX/XXXX XXXX is the copyrighted name of XXXX XXXX XXXX, Estate and the occupant of the estate is XXXX XXXX XXXX : XXXX. This was major mis-communication between XXXX  XXXX XXXX, XXXX, and NetCredit, Inc. A check was cashed and deposited at XXXX XXXX XXXX , XXXX, on XX/XX/2019. NetCredit, Inc., claims that the Fictitious entity XXXX XXXX-chartered-party of the United States owes their Organization a Debt ... As the Original Creditor-holder-due-course deny any such debt exists ... XXXX XXXX XXXX : XXXX, as Real Party in, 3rd party interest intervenor under injury, Sole Shareholder in XXXX XXXX XXXX will state for the record and to be placed into the record that NetCredit, Inc.,  has committed predatory lending practices against the Estate in violation of copyright agreement, instruction into account without consent, phone harassment and falsely claiming to be the Creditor and the FICTION/legal entity XXXX XXXX the debtor ... Secured Party Creditor here in ask the CFPB to instruct NetCredit, Inc., to STOP ALL Communication with our estate and return all funds their agency/agents have collected from estate 's account ... We that NetCredit, Inc., return with interest all XXXX and for damages caused to the injured party, XXXX XXXX, theater of eviction, etc. etc ... Please forward this complaint to NetCredit, Inc., at your earliest convenience ... 

Thanks to you all ....

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018, I have disputed XXXX XXXX XXXX on my Equifax credit report. I have sent an Affidavit and police report stating this is not my account. But Equifax refuses to obey the FCRA. They refuse to remove this account from my credit report. This has caused me Financial damages in higher interest rates and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of XXXX 'XXXX negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.

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 2019-07-02
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the last month they have contacting myself and for my husband account only on my phone number, I have never avoided calls and working with them and my HRA to send them money on past debt not paid through insurance. I have talked to them 4-5 times in XX/XX/2019 along and working nicely with them and they receiving payments from either myself and/or HRA. As of XX/XX/2019 we have determined the balance left will not be paid by HRA so I paid in full early afternoon prior to XXXX, which the money was immediately taken from my bank account. Now today XX/XX/2019 at XXXX. est. time i receive a call from them for my husband account saying i owe XXXX, i said please look at notes paid in full prior, she said no and only notes were from XX/XX/2019 i said please look again it has came out of bank account she said oh yes i see that. This is not acceptable, one i have not avoided calls and over XXXX you have an automatic dialer call on accounts that have been paid in full. I understand there maybe a delay from when system updates however the system should update more often then this. The account should have been set out not to call today at XXXX. when payment for full paid prior to XXXX. day before.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX I called TD Bank and spoke with a representative in regards to suspicious activity on my account. they I formed me I had to go to a branch to complete an affidavit. That same day, I went into a branch and explained to them that money, in the amount of {$3100.00} was deposited in my account to then be withdraw only this time my money was withdrawn in addition to.the amount that was deposited. someone illegally withdrew money from my account in the amount of {$1000.00}. the bank 's approach was unfair. they said that their personnel are not trained to question any amount of deposits or withdrawals and that they will not be able to credit my account until.yhe investigation was completed, which can take up to 30 days. they had no issue giving money to someone other than me but they give me a difficult time when I ask for my money to be credited to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
will not correct information after proof as been summitted

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 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX will not respond to open CFPB cases and an open complaint to the XXXX. Transunion for some reason will not allow me to dispute any errors on my report. So this is the only place I can come to report problems on my credit report. Currently XXXX XXXX is reporting that I have an an outstanding balance of XXXX on my account. This account has been paid in full and has a XXXX balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I was in contact with attorney XXXX XXXX for 2 debts owed to portfolio recovery. I made an offer to settle the 2 accounts for less and they contacted Portfolio Recovery and the offers where accepted and agreed to remove the accounts. 
XXXX account had a balance of {$3100.00} and made offer to settle and remove for {$1500.00}. It was accepted and paid, was taken out of my bank account on XX/XX/2020. 
XXXX account was for {$800.00} and made offer to settle and remove for {$370.00}. It was accepted and paid out of bank account on XX/XX/2020. 
XXXX XXXX has provided me with letters saying both accounts have been settled and have a XXXX  balance on each. Portfolio recovery has gone and instead of zeroing out the balances and removing them they subtracted the money that I paid from the original balance and still say I owe them the rest they have repeatedly every month for XXXX and XXXX have the accounts still listed as being owed And showed no payments Have been made. 
I have also submitted the two letters from the attorneys office of XXXX XXXX showing I settled the 2 accounts held by portfolio recovery and instead of fixing the problem Portfolio Recovery wanted my banking account number and routing number to pay the remainder of the balance of that they claim I still owe them. 
Portfolio recovery also refuses to notify the original credit card companies that I settled the account which are still updated monthly showing charged off and no payment for each month. Which is still bringing down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has changed how they apply debits and credits or something. They do allow some overdrafts but what they have been doing is actually clearing the debit or ach to the point on my end it shows as cleared and also they charge an NSF and then a day or so later they reverse the funds. It intermittently shows cleared even with the creditor. With the assessing of the fee and the item showing as cleared that depletes the balance even further and has caused additional NSF of things that may possibly have cleared if both the fee and transaction weren't both showing as cleared. I need a portion of those fees returned.

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 2019-07-02
Company: SYNCHRONY FINANCIAL
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : SYNCB/JC PENNEY, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : Us Bankruptcy Ct., ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND 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