BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I was unable to access my mobile banking account. I was given a error page that stated my account is locked and to call XXXX XXXX XXXX XXXX XXXX. Bank of Americas accounts closure department. I called to learn that all of my accounts with Bank of America were closed due to fraud accusations. I was given minimal information because they were unable to see transactions going back further than 30 days. But they accused me of accepting deposits from a fraudulent Employment development check card totaling {$190.00} and thats all they could tell me. XXXX the representative said that after the investigation I would receive the remaining funds in the mail by check. I deny such accusations. I myself do not receive unemployment benefits. Bank of America is contracted with the XXXX to provide check cards to individuals that receive benefits. I called that department. They stated that anyone with a routing and account number can make deposits into anyones account and the names do not need to match. Bank of America allowed this fraudulent activity to occurs and in return without warning accused me of fraud. Closed my accounts I still have not received my money. I have not paid my mortgage or car payment. I am a single mother of XXXX children. This is a tyrant banking system! I am unable to retrieve account summaries as they locked my account I do not get paper statements.

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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Today I received a notice form Transunion credit Bureau that they finished my investigation on the XXXX XXXX account on my credit report and nothing was done. I have a lawyer in place to ensure that this wrong gets corrected. This account does not belong to me and according to court documents this account either needs to be deleted from my credit report or the payment status needs to say : not rated and/or bankruptcy. The information that is currently on my report is incorrect and the update that happened today is incorrect and goes against the fair credit act laws. Because of this if this account is not deleted or the correct payment status entered I will seek legal action against Transunion as well as XXXX XXXX because I have been denied loans because of this incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
2017 I was victim of identity theft fraud. I solved the issue with police report around 2017 but again this company XXXX is contacting me for this issue and I got a second police report and now the are requesting to file a FTC complaint. 

Thanks

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 2017-07-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX, 2017, a check for {$21000.00} ( final payment for total loan pay-off ) was received in error by the Department of Education for my private loans serviced by Navient. The address was provided by one of their representatives. I noticed the check was deposited but never allocated to my account. I called to follow up approximately one or two months later ( no communication received ) and was notified the check was sent in error and a refund was to be processed. I was told a new check would have to be mailed to the appropriate PO Box to be applied to my account. If I did not call, a refund would never have been processed and I would not even know an error existed. Interest continued to accrue on my account, even after a new check was mailed. I have called several times and representatives have told me a request to backdate the check would be submitted to remove the remaining balance. I have documentation and all representative badge numbers - The check was never backdated and interest continues to accrue on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: UNITED BANKSHARES, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a transaction through a website known as XXXX - which I later discovered that it is infamous for scamming customers. XXXX is a complete fraud. The tr Pre-Transaction : It clearly noted that my reservation would be refundable. This is why I proceeded with the transaction. 

Post-Transaction : I called XXXX more than 10 times - sometimes staying on hold for more than two hours. Their dispatchers are based out of a call center in XXXX. They are extremely rude and weren't understanding the situation. At one point, they simply hung up the phone on. I even called the airlines directly of whom told me it can only be resolved with XXXX. 

Two submitted disputes later, and United Bank still will not help this situation. They have denied the dispute and claimed there's nothing that can be done because it is " human error. '' I explained to them how I was a victim of fraud. How before the transaction it read that it was refundable. No one is willing to listen to me or understand the situation. Especially in light of the COVID-19 situation, these funds are vital. Any help or assistance in this matter would be greatly appreciated. 

Date : XX/XX/2020 Vendor : XXXX Bank : United Bank Type : United Free Checking Amount : {$790.00}

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 2015-08-26
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My husband and I were directed to Prime Lending located in XXXX XXXX, Florida via XXXX XXXX XXXX. We were pre-approved for our new construction home for approximately {$490000.00} by XXXX XXXX. We signed our contract, obtained all documentation that she requested and again were told that everything was on track for a late XX/XX/XXXX closing. A stipulation win prime lending was that we were required to sell our home. We placed our home on the market and accepted an offer within one day. We pushed closing out approximately two months and finally closed on our home XX/XX/XXXX. One thing that we made very clear to XXXX XXXX was that we want to ensure that there would be no stipulation or reason that we would not be able to obtain a mortgage for our new home. She assured us over and over again that things were fine. We had agreed to place 20 % down on our new home. We disclosed at the start of this process that I had a short sale in XX/XX/XXXX. My husband and I were both very skeptical in the beginning because we had done our research and many lenders stated that we had to wait XXXX years for FHA and four years for conventional after a short sale. When this was brought to XXXX attention, she stated that there would not be a problem. We placed out trust and our families future in her. We have XXXX young children and our biggest concern was uprooting them from our home and end up having nowhere to call home. On XX/XX/XXXX we closed on our home. On Sunday XX/XX/XXXX I opened my mail and found a letter dated XX/XX/XXXX that my husband and I were denied for our loan. You can imagine our surprise. XXXX XXXX never contacted us and in tern we sold our home and have no idea where we are going to take our XXXX and XXXX year old children. When we attempted to reach out to XXXX XXXX the next day, she avoided out phone calls and emails. It was n't until XXXX days later when she finally contacted my husband. She informed him that she was aware that we were denied on XX/XX/XXXX but did n't tell us because she " did n't want to ruin our weekend. '' Had she given us the professional courtesy when she found out that we did not qualify, we never would have sold our home. I feel that she was very unethical with us and failed to disclose multiple stipulations with obtaining a mortgage after a short sale. In my opinion, she should have known about these regulations and disclosed to us right from the beginning. We never would have proceeded with the purchase of a new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A letter dated XXXX XXXX, 2016, from Nationstar Mortgage stating that ( XXXX ) I 'm currently behind on my payments which put my mortgage at risk. ( 2 ) It 's important that you contact Nationstar immediately before the foreclosure review process is initiated, which could lead to loss of the property. If you are interested in an option that would allow you to leave the property and avoid foreclosure, the Mortgage Release Program below can provide a graceful exit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Self Financial Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I am a victim of identity theft, someone used my information to take out a {$720.00} loan with Self Financial. I did not ask for this loan, I did not apply for this loan. I have XXXX and I was notified by them about a credit change on my credit report. When I looked at my credit I found this loan on my XXXX credit report. XXXX is now trying to take care of this for me through their restoration process. This merchant is hard to get a hold of, no one answers the phone when calls are made. If calls are answered no one can help, can tell me if they received the documents XXXX sent to them on my behalf. I need this to be looked at on a higher level and get this account as fraud and removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
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:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX  XXXX XXXX  XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: DISCOVER BANK
State: NY
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:
Hello, I am writing to file a complaint against Discover credit card company.

I have been a Discover card member holder since at least XXXX, XXXX. My account has always been in good standing with Discover over the years. Just recently, on XX/XX/XXXX, I made a payment of {$8000.00} on my account.

In recent weeks, my family and I have been negatively impacted by COVID-19 like all Americans have. During this time of uncertainty, it was peace of mind knowing that we had some available credit for emergencies ( grocery, doctor visits etc. ). Suddenly, Discover decided to run a check resulting in my credit line being lowered significantly from {$11000.00} to {$7900.00}. This leaves me with {$200.00} available credit and this has also negatively impacted my credit score and reports across the board. 

It is so unprofessional to be taking this kind of action during this crisis. XXXX, my credit score may have taken a short-term 'hit ' due to the circumstances we are currently in, but just like everything else, it will bounce back once we recover. In the meantime, I ask at the very LEAST to not lower my available credit leaving my family with hardly any safety net. It is a scary and shocking action that was taken. I spent 30 minutes on the phone with a Discover CS agent on Monday, XX/XX/XXXX. She was unable to revert the change and sited a contractual agreement. I am certain that my 'contractual agreement ' does not include a worldwide crisis and how customers should be treated during this time. 

Thank you for your time, Concerned customer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to you because I have no other alternative. I can not stand for my rights to continue being violated by Pennymac Loan Services LLC. 

The root of the situation is that Pennymac Loan Services is reporting my mortgage opened on XXXX XXXX, 2012 as Status - Account included in Bankruptcy. THIS ACCOUNT WAS NEVER INCLUDED IN BANKRUPTCY. 

The Chapter XXXX bankruptcy that I filed was a business bankruptcy and the discharge did not include any of my personal accounts. 

The credit bureaus keep telling me that they ca n't change the " Status - Included in Bankruptcy '' tag, because they say that it was reported to them by Pennymac. 

I have provided documentation to Pennymac for over a year, just to fall on deaf ears and not have any of my calls returned. 

Pennymac has treated me like a second class citizen and has completely disrespected me at every turn. Because of this experience, I feel like I have been maliciously violated and deeply wounded by Pennymac. 

Having this mortgage incorrectly say that it was included in bankruptcy is stopping me from getting a small business loan needed for my business to operate. This is like pouring salt into the wound. 

I am begging you to demand that Pennymac Loan Services send me a letter of apology for these violations of my Civil Rights. 

Additionally, please have them immediately remove any reference to Status - Included in bankruptcy from my consumer credit files with XXXX, XXXX, XXXX and XXXX credit bureaus. 

Thank you VERY much for existing to help the " little guy '' in this world. I very much wish that there were more of you. 

Please notify me immediately of the positive results of your investigation. 

It is my wish that you have a very safe and happy new year! 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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: Account information incorrect

Complaint:
ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We requested to have PMI removed from our loan with PennyMac on XX/XX/XXXX. The value of our home has appreciated well beyond the 75 % percent LTV they require. They declined my original request. I submitted a second and third request in XX/XX/XXXX. In order to have PMI deleted, we had to pay a one time {$150.00} fee in XX/XX/XXXX to have a broker opinion appraisal completed. The Broker, XXXX XXXX, who was hired by PennyMac, returned an amount that was 78 % LTV amount which didn't qualify to remove our PMI. On their own documents, the lowest comparable home was {$10000.00} higher than the amount they appraised my home. I had obtained other appraisals and am now refinancing to an apprased amount that is {$55000.00} higher than the amount from the PennyMac appraisal. Pennymac purposefully valued our home lower in order to decline removing the PMI fee from our loan. I obtained multiple broker 's opinions and an appraisal to refinance and all of the appraisals/opinions were on average {$50000.00} higher than the BPO obtained by PennyMac. This is criminal behavior in attempt to keep their customers paying them monthly fees. They made every attempt to misrepresent the value of my home to continue charging me a fee for PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: JPMORGAN CHASE & CO.
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/2019 I received a notice from JPM Chase Bank dated XX/XX/2019 in regard to my Chase XXXX Credit Card Account. In the letter, Chase notified me that due to a recent review of my XXXX  credit report, they have opted to reduce my credit line by approximately 40 %. This change put me in a position in which my card is maxed out compared to my balance and reduced my overall available revolving credit amount, causing further damage to my credit history and score. 

I have always paid my card on time and Chase has increased my credit line twice in the past. I was shocked to receive this notice and even more surprised that Chase was completely unwilling to compromise. 

A credit card company 's solution for less than optimal credit should not be to cause further harm to a consumer 's credit history. If Chase was genuinely concerned about my XXXX XXXX, they wouldn't contribute to lowering my score. I believe this practice needs to stop and I am evoking assistance from the CFPB to assist in this unfair and predatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There are over XXXX inquiries on my XXXX and Experian credit report that do n't belong to me, I have tried to reach out to them but no one is willing to help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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:
I reached out to Experian in XXXX and informed them that I was a victim of Identity theft with XXXX XXXX XXXX XXXX of Maryland. I then sent them my personal Identification proof ( Driver 's License and Utility Bill ) along with this was my affidavit for data breach where my information was stolen. I heard nothing from the company despite the my efforts and when I called they told me that they had nothing on file for me despite me having proof of the certified mailing arriving. I did not give permission nor did I seek any products from these Lenders

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 2022-04-15
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I instantly deposited {$220.00} from cashapp owned by XXXX XXXX to my card. It is missing. They will not help me file a claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent by mistake {$4000.00} from the XXXX XXXX bank to a TDBank closed account The money went to TDBank and was not returned yet to my XXXX XXXX account. 

XXXX XXXX tells me that they can not ask for the money back and TDBank tell me that they can not find anything. 

What XXXX i do?

Company response to consumer: Closed with explanation