BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my XXXX 2017 mortgage statement and it stated i had missed my XXXX 2017 payment. i checked my online banking record and the payment was marked as paid on XXXX XXXX 2017. I called my mortgage company and i was told to send proof. I sent the copy of the on line banking check and a copy of my bank statement verifying the funds where paid out to the Penny Mac Mortgage company on XXXX XXXX 2017.. I received a call 3 days later and was told that there was no " stamp '' on the back of the cashed check that could prove that they deposited it in there XXXX XXXX XXXX account. I was told that i must pay or my credit would suffer. i asked if they could at least try to find the deposit into there XXXX XXXX XXXXXXXX account and i was told no. Now my credit is being marked derogatory and i must pay my mortgage payment again. I was just hoping someone could help me convince Penny Mac to start an investigation into where the payment was cashed to. Even though i gave them all the proof from my bank that it was cashed they said they could n't of received it because they would have had to have stamped the back as " for deposit to XXXX XXXX XXXXXXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2022 I sent an investigation letter to Experian, XXXX and XXXX asking out the said bankruptcy XXXX on my credit report. They sent me back the reporter of XXXX XXXX. I contacted XXXX XXXX on XX/XX/2022 asking how was this information provided and if not from the actual source to remove this information from their files. On XX/XX/2022 and XX/XX/XXXX XXXX XXXX sent me a letter saying the information was not verifiable through Pacer and was removed from their records and updated. However XXXX and Experian still had this information reporting on my credit as of XX/XX/XXXX. They are breaking several laws and their reporting has caused me denials for a home loan.

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 2017-06-23
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A Wells Fargo Everyday Checking was opened on X/XX/17. Before that I have no Wells Fargo account. So there should be an opening bonus offer about {$250.00}. My application shows the checking account should be opened by XXXX XXXX, 2017, and 10 purchases within 60 days. The offer status shown it has been linked to the application. The bonus qualifications have been met. It is over 45 days after eligibility but still no bonus deposit in the 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 explanation
Consumer complaint received 2023-04-03
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A letter was sent to the company ( account XXXX XXXX ) and has been ignored for over 90 days. The information is harming my credit and displaying inaccurate information with validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reached out to Equifax this morning and explained that upon looking at my consumer report I noticed accounts on my report that I had previously disputed. I also made several attempts to remind the representative of their duty pursuant USC 15 1681A. Also, how they have made grave error and are neglectful in remedying my affairs. I also stated to the rep USC 15 1681E ( b ) assures that I'm due accuracy on my report based on federal law. to no aval there was nothing done. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
State: SC
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:
Credit karma was posting pre-approvals onto my account which in turn I applied, was denied and cause hard inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The response has NOT answered my questions : 1. When XXXX XXXX locked the rate for me, he confirmed that the rate is locked to XXXX XXXX, he did n't tell me the credit only is effective till XXXX XXXX. It is his fault. Also, when I pushed him and XXXX to process the loan ASAP because the commitment letter will expire on XXXX XXXX. He told me " Do n't worry, I only need to repull my credit, you do n't need to do anything else ". he did n't tell me it would effect my rate and the point. Whose fault? 2. XXXX and XXXX did n't pick up my phone, seldom answered my email. I did n't get any repose. Then I cc  emails to XXXX 's supervisor, and then XXXX replied to my email. XXXX appeared. He sent me an email '' Dont send email to managers '' I answered '' Because you do n't answer my emails, so many emails. I have to cc emails to supervisor. Otherwise, I will not get answer till next year. '' Your ignorance resulted my house close after XXXX XXXX. Your fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to XXXX Transunion, and XXXX. These have been in separate letters roughly every 30 -45 days dating as far back as XXXX XXXX. I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over 30 inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests. Iquiries and dates : XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your help.

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 2017-06-23
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I originally had a high-interest personal loan with XXXX XXXX, and, after repeated attempts to get XXXX to work with me on their " automatic draft '' dates so that my account with not get hit on a week other than my pay week, I cancelled my auto draft with them and started calling in. I repeatedly asked for them to modify the date of draft and they would not, so I stopped paying them and told them that I would resume my payments when they acknowledged my complaint and updated my records. Rather than do so, they sold my loan to National Credit Adjusters.
I received multiple calls from National Credit Adjusters and on XXXX XXXX, 2017, spoke with one of their representatives, XXXX XXXX XXXX, about making payments. This call was taken on my personal phone after business hours. XXXX then drew up an arrangement and e-mailed it to me ; however, I did not find it originally as it had gone into my spam box.
<P/>
XXXX has since ( i.e., XXXX XXXX, 2017 ), called me multiple times nearly every day, even though I have repeatedly told him I do not take personal calls during the day. He then rang me through my employer 's number on Monday, XXXX XXXX, 2017 at XXXX XXXX I told him emphatically NOT to call me at work, and explained that I would be making my first payment the end of XXXX. XXXX called me again at my place of employment on XXXX XXXX, 2017, and was told that I was attending the funeral of one of my co-workers. He again called today, XXXX XXXX, 2017, at XXXX XXXX and began asking for information regarding the name of my employer, my job position, etc., and I asked our Administrative Assistant to tell him again, not to call me on my work phone. I have now instructed everybody at work not to take his calls and I have advised his company that I have filed complaints with any agency that handles these types of situations.
<P/>
The specific information regarding XXXX XXXX and this organization is as follows : National Credit Adjusters XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, KS XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2021 stating I owe {$840.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt and requested verification and validation of the debt. I did not receive either. I did not mail certified so that was my mistake. This letter was mailed on XX/XX/2021. 

I then received a letter dated XX/XX/2021 stating I owe {$3600.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt again and requested verification and validation of the debt. I did not receive either. This was mailed certified and it was received by Convergent Outsourcing on XX/XX/2021. 

Today, XX/XX/2021, I have received another debt collection letter dated XX/XX/2021 stating I owe {$3600.00} to Receivables XXXX XXXX for account withheld per instruction, Reference withheld per instruction. I will again be disputing and requesting verification and validation of the debt, but this is now the third contact and each time I have disputed and requested verification and validation and I have not received it. This is not my debt. I do not have any accounts with this creditor ( supposedly XXXX ) and the threats of judgment against me after I have complied with the requirements to dispute and request validation and verification of the debt need to stop. It costs roughly {$5.00} to mail certified and I should have received the validation and verification as requested in both my first two letters. Please help me resolve this and not have to continue sending certified letters to dispute for a debt that is not mine. 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 2019-12-01
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX responded on XX/XX/2019 with bullet numbers. However number 18 stated the following response. XXXX XXXX XXXX , XXXX would happily work with XXXX to facilitate payment and remove any derogatory remarks. 

On XX/XX/2019 {$83.00} had been paid and one account had been paid in full. 

Instead the 2 account have been reported on my report again instead of the balance owed after payment was made.

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 2017-03-29
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I had a judgment placed on me for medical bills that I never received on XX/XX/XXXX, 2017 by Puget Sound Collection Inc. ( PSC ) in the amount of {$5800.00} and PSC court Fee 's of {$530.00} which totals out for them to be {$6400.00}. I noticed the large amounts of medical bills and immediately contacted PSC Inc. and found out that most the bills were due to a L & I claim that I had years ago that multi-care never bill them for but knew it was an L & I claim. PSC and Multi-care both denied that it was but I had medical proof that they knew but did not disclosed this to me or the court. I began to investigate this insane amount. my findings through doing a discovery with a legal aid service & L & I showed that Multi-care knew that most of my bills that I was being persuade for were in fact a claim from years ago. I contacted PSC and was told to take it to court it does n't matter to them if I can prove that they falsified documentation or not it 's up to the court to decide and since judgement was already ordered against me I was told " GOOD LUCK '' after weeks of hard work and labor and taking days off work to attend to this matter I finally submitted my paperwork to the court on XX/XX/XXXX, 2017. I spoke with PSC Lawyer XXXX XXXX XXXX after I saw the judge on my case who set a court date for XX/XX/XXXX, 2017. we had a conversation and he emailed me the next day. and I responded to his email back in reference to my case. we came to an agreement on the amount owed. and paperwork was finalized in court on XX/XX/XXXX, 2017. I went to PSC Inc. dropped off the paperwork that day from the court and came back on the XXXX of XXXX and made a payment of {$250.00} in cash to PSC and noticed that they are charging me fees for court and there lawyer, this is not what I agreed to with the Lawyer that represented PSC Inc? I have attached the following PDF files in the order of events as they occurred.

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 2022-09-06
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX of this year, I received a call from the exact number on the back of my Citibank debit card saying there was a suspicious transaction on my account in XXXX, GA. I confirmed that wasn't me and he said he wanted to protect my account from further fraud. He asked me for information - exactly what I don't remember - but essentially the same information a bank would ask if they were trying to access my account. He sent me prompts from a text number that had sent me Citibank prompts as well. When a request for a wire transfer of {$9800.00} came up, he said to accept it - that it was not a real wire transfer but just a sample prompt to make sure I received fraud alerts moving forward. I quickly hit accept and immediately felt odd about it and then they sent me another transfer request. I didn't respond to that one. Shortly after, he put me on hold and then the call dropped off. I immediately called Citibank and they confirmed that while the number they called from was theirs, they had no record of an outgoing to call that day to me. From there, I was directed through a maze of Citibank representatives and hold times, ultimately freezing the account but it was too late... the money had already left my account. Citibank sent multiple alerts to Bank XXXX XXXX and I filed a police report with the XXXX XXXX Precinct ( # XXXX ) and have submitted to the FBI IC3.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXX XXXX  XXXX XXXX. - {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$560.00} 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-10
Company: Northstar Location Services, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On repeated occassions ( XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) XXXX XXXX ( North Star collections ) called about a debt but leaves no contact number. No one at this phone has a loan in collection. Caller leaves a dollar amount only. Dates listed are the most recent recorded dates. Calls started approx 3 months ago and range between 2 and 4 per week ; calls are usually between XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation