BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX XXXX I was aggressively contacted by Penny Mac Loan services, the originators of my mortgage, to refinance my mortgage with them to a lower interest rate. I dealt with XXXX XXXX, XXXX # XXXX California. He told me interest rates were at a historic low and I could refinance from a 4.1 % interest to a 3.5 % interest rate thus lowering my monthly mortgage payment. He also told me there would be no closing costs. 

I competed the refinance of my property because XXXX sold me on the lower interest rate. 

In XXXX of XXXX, I received a letter in the mail from PennyMac stating that my escrow account was overdrawn and I owed {$7300.00} to PennyMac to cover the cost of taxes. Penny Mac originally stated that the estimated taxes on my refinance were close to {$2000.00} and but now they are over {$5000.00}. When I reviewed my refinance, Penny Mac grossly underestimated my taxes in order to make it appear that I would have a lower payment. However, the estimate they used was not for a full tax year and they did not disclose to me how they came up with this number. I now owe them the escrow shortage and my payment is increasing {$300.00} per month. This is more than I was  originally paying before the refinance with the higher interest rate. 

I called PennyMac on XXXX/XXXX/XXXX to ask questions and explain that XXXX XXXX had mislead me. He knew the taxes were not accurate but he still used a underinflated number to make my payment appear low so he could receive his commission. 

In addition, I was told there would be no closing costs, something I asked about several times. Upon examination of the refinance, it looks like the closing costs were rolled into the loan amount which I am now paying interest on. 

This is clearly predatory loan practices considering that they did not disclose accurate information. As a consumer, I agreed to the {$2000.00} in property taxes and I trusted that XXXX was doing his due diligence to make sure my payments were accurate and correct. He was misleading on many levels and I should not be responsible for the {$7300.00} which is what the difference in taxes are from last year to this year. As a consumer, I was lead to believe that my taxes were a fair estimate and that there would be no closing costs to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
American Express offered a pandemic relief program to its customers with no penalties. I entered this 12 month relief program and just successfully completed it. I had no issues with payments or anything. American Express decreased my credit limit XXXX. I called and they told me they did decrease my credit limit due to being in their pandemic relief program. American Express fights for several social causes and I am so confused why they would penalize customers for accepting their pandemic help with no penalties. When I asked if they would return the limit back they refused. How is this treatment helpful to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a puchase with Lowe 's on XX/XX/XXXX in the original amount of {$1400.00} on an 18-month, 0 % interest promotion. My credit card is set to have all payments allocated to promotional balances, first. Steadily, since that purchase, every payment I've made has been well in excess of {$200.00}, and lately, closer to {$350.00}. {$140.00} of my payment ( approximately ) is first paid to a fixed payment purchase I made earlier in the year. The rest of my payments should go to the promotional balances. On XX/XX/XXXX, this promotion balance ended and I was charged over {$700.00} in interest. When I contacted Lowes on  XX/XX/XXXX, they stated I still had a balance owed on that promotion of {$1100.00}. I requested a review of how each payment I had made since the promotional purchase was applied to my balance. The chat representative said that he could give me the payment allocation over chat, but would not be able to send them to be in the mail or e-mail claiming " security reasons '' for why he couldn't send it via either of those methods.

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 2022-01-05
Company: Experian Information Solutions 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 account XXXX. I have not supplied proof under the doctrine of estoppels by silence, Engelhardt v. Graves ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX have already deleted the fraudulent account! All requirements ID with the XXXX report. You are required by law to remove this account no later than four days. This account is involved in litigation.

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 2020-06-18
Company: EQUIFAX, INC.
State: NM
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: GreenSky, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This company engaged in predatory practices regarding my loan. I was told that my loan was for 0 % interest for the life of the loan. It states that in the loan agreement and doesn't state any other interest rate anywhere within the agreement. If you read very carefully, they state that another unknown, unmentioned interest rate will be applied after 6 months. I understand that 0 % interest loans typically have a payment plan in which they will charge back interest on the loan, but this loan didn't mention the amount of interest and was intentionally vague. 

In my view, I'm not a lawyer, so I am not certain what the law requires for a loan agreement, what must be disclosed or not disclosed, but I feel that this company is intentionally obfuscating this information in a predatory way. 

Additionally, speaking to a representative, I was told that the interest rate would remain 0 % for the life of the loan just as the agreement said. I specifically asked the representative if the interest rate ever increased after any period and she assured me that it didn't. I will pay the loan before the date that is required, but if this illegal as it should be, I'd like this company to no longer be able to continue this predatory practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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: Old information reappears or never goes away

Complaint:
In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to Trans Union. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from XXXX with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged, long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.

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 2018-11-20
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint concerns disaster loss claims handled by FlagStar bank. My house suffered flood damage from Hurricane Harvey in XX/XX/XXXX ; we were awarded $ XXXX insurance claim to repair our house. As per protocol FlagStar has held the claim in escrow and has provided installment payments as the repair work is done throughout XXXX. 

In XX/XX/XXXX we were awarded and additional $ XXXX installment per completion of a property inspection ( per the inspection our property was 85 % complete at the time ). We sent the proper papers to receive our next installment but have heard no response from FlagStar. I have learned that the bank is undergoing a system change and is unable to handle ongoing claims in a timely manner so the processing of my claim has come to a screeching halt. It has been over a month and FlagStar has yet to act on processing my claim.

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 2019-07-25
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The beginning of the loan was easy I speak better English than the rest if my household butntines became tough and I was forced to work more than 17 hours a day and that's when the threatening calls came in. They began to threaten my family with legal actions and my wife was told I could end up in jail for not paying the amount set by XXXX XXXX XXXX. 

When I asked for proof of the debt I was ignored and told to work harder and to speak better English. 

More importantly when my wife attempted to pay the debt there was not a XXXX  version on the site allowing her to understand what Honda financial services would ask her to do to complete payment. Second and not less important the letters that came from Honda where mornin XXXX and my English was not as great as it is now. Honda should not be allowed to sell loans and then resell the debt while taking advantage of a clear misconduct and ingornace of the Fair Lending Act and DMV REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been fighting with Phoenix Financial Services on and off for almost 5 years. They are trying to collect a debt that I dispute as services were not rendered. They previously promised they would cease collection attempts, but have started again recently. They have ignored my dispute letters and started reporting it to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Wednesday XX/XX/2022 I received notification of a Venmo payment from my XXXX XXXX of an unauthorized transaction in the amount of {$570.00} to an unknown individual by the name of " XXXX XXXX ''. 

I immediately contacted Venmo to report this issue and opened up a dispute case XXXX XXXX A temporary credit of {$580.00} was issued to my account, and then on XX/XX/2022 I received an email that stated '' Your Venmo dispute case has been denied ''. It stated the reason as " This decision was made because this transaction was not unauthorized. ". 

The dispute was initiated due to the transaction not being authorized, therefore the reasoning of the case being denied is not consistent with the the original dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had my ID stolen in XXXX OHIO and I have several accounts and address on my credit report that are not mine. I was in the hospital with XXXX XXXX I was XXXX for two weeks in a XXXX and was unable to attend to my personal affairs. Someone had access my ID and SS and used my personal credit to open up accounts. Please remove the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT PLEASE DELETE : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  XXXX XXXX XXXX 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 2022-08-25
Company: CITIBANK, N.A.
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:
have reporting several times to XXXX that an item on my report from XXXX XXXX was fraud and not my account. I want this item removed from my account

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 2020-10-07
Company: EQUIFAX, INC.
State: GA
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including Repossessions. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2023 between XXXX XXXX to XXXX XXXX arizona time we talked over the phone during this conversation I was lead to belive we had a settlement agreement. This was not the case my credit report instead shows only a change in the amount owed reaching out to XXXX XXXX the debt collector was of no help as he stated that he would send over a copy of the settlement agreement but I instead received a summary of owed charges via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The beginning of the loan was easy I speak better English than the rest if my household butntines became tough and I was forced to work more than 17 hours a day and that's when the threatening calls came in. They began to threaten my family with legal actions and my wife was told I could end up in jail for not paying the amount set by XXXX XXXX XXXX. 

When I asked for proof of the debt I was ignored and told to work harder and to speak better English. 

More importantly when my wife attempted to pay the debt there was not a XXXX version on the site allowing her to understand what Honda financial services would ask her to do to complete payment. Second and not less important the letters that came from Honda where mornin XXXX and my English was not as great as it is now. Honda should not be allowed to sell loans and then resell the debt while taking advantage of a clear misconduct and ingornace of the Fair Lending Act and DMV REGULATIONS.

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 2022-06-10
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My ID Theft company alerted me that an account had been opened in my name at TD Bank. Together we called the fraud department at TD Bank. The TD Bank employee took the information and stated that they would investigate and get back to me in writing. They also said that we were not to call to check on the progress of the investigation. They would give me NO information about the account type or anything. This was over 1 month ago and I have received nothing from TD Bank regarding this matter. 
As a result, I have had to freeze all of my accounts, launch fraud alerts at all of the credit bureaus and XXXX XXXX so I am not de-frauded. 

I want TD Bank to respond to this investigation, perhaps you have some leverage with them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: NJ
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:
Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called XXXX. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a 620 score, so I was in the range from 630-635. However if you read the attachment from XXXX, they used a company called XXXX XXXX, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from Equifax of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the XXXX range. Ive attached XXXX/Equifax and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.

Company response to consumer: Closed with explanation