BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my mortgage company, but they are not acknowdging payment. My bank ( XXXX ) has verified that Penny Mac received payment on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am behind on my mortgage due to a major medical event. 

I am now better and earning plenty of money XXXX bank verified XXXX to pay my mortgage and I have the ability to gather a large lump sum payment to reset my mortgage. 

My mortgage is held by Pennymac. I have tried XXXX, Making Home Affrodable, Lawyers, and Direct negotiations with Pennymac to arrive at a deal that resets the mortgage. 

On many instances on the phone with Pennymac I am told of offers to reset my mortgage XXXX was for XXXX another for XXXX and another was for XXXX cash payment. The XXXX XXXX was first I was told a " package '' would arrive in the mail and that it would detail this deal. 

So I spoke to relatives collected the OK that they would help. Everyone combined would be the XXXX. 

My next call to Pennymac the person knew nothing about the XXXX deal. But I had it via email from their underwriter that such a deal was possible. 

I then spoke to a supervisor there named XXXX and was told with XXXX or XXXX the loan could be reset but that I needed to submit an appeal to my recently rejected XXXX application so that he could open the files. 

I sent in the appeal letter. 

The following call that deal was off the table. I asked for a supervisor got noplace. 

So I called the XXXX line and then had a conference call with XXXX and Pennymac. The result of this was the XXXX deal was in notes but that funds needed to be seen by Pennymac in XXXX of my bank accounts prior even discussing a deal. 

My response was how can I get folks to contribute to something you are not documenting? How is it harmful for you to state what you would do if I give you that money? They will not document nor commit to a deal for cash without the cash inplace for them to take. 

Needless to say I find this troubling and shady. 

What I want to do is avoid bankruptcy and the damage that does by making a LARGE lump sum payment and using my verified income to make monthly payments. 

Pennymac rejects me for inhouse financing and XXXX. Inhouse because I am in foreclosure. XXXX because I make too much money and the house has too much equity. 

I feel that the constant changing of deals, conditions of deals, statement of possible deals that vaporize the following call, inability to refinance with another bank because Pennymac has me in foreclosure, etc ... all make bankruptcy inevitable. 

Bankruptcy repayments on mortgages are within 60 months so that is a massive compression of debt despite my willingness to pay large sums. 

The entire process and changing landscape of deals has been very stressful and in my opinion nobody should be able to constantly change deals. I ca n't do it in my business and they certainly should no be allowed to when peoples homes are in the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My name is on a account that is my ex girlfriends account, i stopped receiving the bill and even called on this issue and could not get it resolved due to the fact it is under her name. This put a negative XXXX on my credit score and i would like to resolve this NOW.

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 2016-03-15
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was advised months ago the debt no longer exists. I have an actual bill dated XXXX XXXX, 2016 showing I have a XXXX balance acct with XXXX XXXX. These collection folks have ignored my communications for many months and now are hurting my credit for a debt I do not owe. They must be stopped and sanctioned, please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have tried to get the escrow account for property taxes and insurance closed since XXXX, beginning with verbal requests of XXXX Bank. As shown in the attached correspondence, the Bank has agreed in principle to close the account and remit the balance to me with my agreement to pay all future taxes and insurance. However, they stipulate that I must pay them a fee. It is my position that I do not owe them any fee to get my own money returned to my control. The documents attached show that Citizen 's contends that I benefitted monetarily by agreeing to the escrow account. However, they can provide no documentation to prove that claim, nor do they have any document showing my recognition of such a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Midwest Recovery Systems
State: KY
Product: Payday loan
Issue: Can't contact lender

Complaint:
On XX/XX/XXXX I was checking my credit report and noticed a new collection entry from Midwest Recovery Systems. I called customer service and was told I had an outstanding payday loan and this company had purchased my debt and was demanding {$690.00}. When I explained to the rep that I had no knowledge of this and why was I not contacted before it was submitted to the credit bureau she had no explanation. When I asked to verify when this occurred she was unable to provide me with that information. She said " maybe in XX/XX/XXXX '' but was not able to provide any other details. I asked for something in writing in order to research this, and she sent a very vague letter via email. I do not owe this debt and this company has submitted this to all my credit reports without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My wallet and checking information was stolen in a home burglary. XXXX XXXX agreed to remove those late marks from my credit report due to the fact I called them and spoke with them about having to set up new accounts. The late payments are still on my report. I have never paid my bill late. The balance was also less than XXXX at the time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 to the Fair Credit Reporting Act my rights as a credit consumer have been violated by the bureaus and XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy .... 

15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 

THOSE ARE XXXX VIOLATIONS THAT SHOULD RESULT IN DELETION OF THAT 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 2021-01-14
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX  XXXX PA has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-06-03
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence Resource Management is the current collection agency that is trying to collect a debt for XXXX XXXX XXXX  that I do not owe. this is the fifth time i have to have this removed from my credit report. This is now harassment. I returned XXXX XXXX XXXX 's equipment witch i have documentation of. I have contacted XXXX XXXX XXXX and they are of no help. Every time I get this removed a month later XXXX XXXX XXXX sends someone else after me for money I don't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please be aware, that your question : [ " Have you disputed the issue with the credit reporting company and received a final response? ] [ Yes ] [ No ] is flawed, in the fact that I HAVE disputed the issue with the credit reporting agency, but they HAVE NOT, provided a final response in over 42 days, therefore it is not possible to select a proper answer on your form. Please continue below ... 
XXXX XX/XX/2016 I logged into my XXXX account and discovered an inquiry on my credit report that was not authorized by me. The date is from more than a year ago. After doing some research, I discovered that this inquiry is from XXXX, and I found out that many many other consumers were also reporting this same unauthorized activity and there are endless articles found all over the internet regarding it. 

I immediately filed a dispute online with Experian on XX/XX/XXXX. On XX/XX/XXXX, I received ONE computer generated Email from Experian claiming that the investigation is still ongoing and should be completed by XX/XX/XXXX. Well, Today is now XX/XX/XXXX and there has been no resolution, no further contact, and absolutely no way to contact Experian other than by writing an old fashion letter and paying the postal guy to deliver it. Nonsense. 

There is plenty of public evidence circulating around that proves that this is an unauthorized XXXX inquiry. Experian has still NOT removed it, nor even bothered to do their job and follow up with the results of the investigation. I am not on my home computer at the submission of this complaint, and can provide further documentation upon request.

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 2022-06-03
Company: Arcadia Holdings, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Arcadia Recovery Bureau , LLC has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Arcadia Recovery Bureau , LLC claims XXXX XXXX XXXX XXXX XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Arcadia Recovery Bureau , LLC claims XXXX XXXX XXXX XXXX XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through XXXX XXXX, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Arcadia Recovery Bureau , LLC on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX XXXX XXXX and Arcadia Recovery Bureau , LLC is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Volvo Car Financial Services U.S., LLC
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-05-09
Company: Asset Recovery Solutions, LLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I would like a verification and itemization of the debt that I owe to Asset Recovery Solutions for an apartment lease with XXXX XXXX. I dispute a portion of this debt and would like a detailed break-down of what I am being charged.

Company response to consumer: Closed
Consumer complaint received 2022-06-03
Company: Flagstar Bank, N.A.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been paying my mortgage through online bill pay every single month for over two years on the XXXX of the month. On top of that I am over paying, the amount due is {$1100.00} and I am paying {$1200.00} every month. I used to be paying so that my payment was received by XXXX Bank in full on the XXXX of every month but their computer system processed that as an extra payment towards my principal and then charged me a late fee the following month, which is why I started paying in full on the XXXX of every month. 

Tonight, XX/XX/XXXX, at XXXX PM I received a robocall from Flagstar Bank telling me that they had an important message for me about my mortgage and to hold on the line. I stayed on hold for over 15 minutes before their customer service rep got on the phone and told me that she was a debt collector attempting to collect a debt. I asked her what month 's payment I had missed and she told me that the only payment that I was " late '' on was the payment that is due yesterday, and which I legally have until the XXXX to pay. 

I told her to look at my account and my payment history of over paying on my mortgage every single month and asked why I am getting harassed and why my time is being wasted by Flagstar Bank. She told me that it's just a courtesy call and she reviewed my account and saw that, as I told her, I'm over paying on my mortgage by an automatic online bill pay every single month. 

I told her that I don't want these harassing phone calls from Flagstar bank unless I'm actually late and that I am upset about being called and told that I'm late when I'm not late and I'm over paying on time every single month. 

Attached is my mortgage statement and payment history with Flagstar bank which documents that I am over paying every month and I am not late and I shouldn't have gotten that harassing phone call from their robocaller.

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 2022-06-03
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have posted late payments onto my consumer report in violation of 15 USC 1681 ( Exclusions from a consumer credit report ) I have attempted to get these incorrect items removed as they are causing damage to defamation of character as well as enablement of Identity Fraud. 

Please have the indication of lates deleted or removal of the entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In my previous complaint for ACS student loans Case number : XXXX, the company responded asking for a copy of a cashed check, which shows the company is trying to delay this issue to gain time and put my account on late charges. ACS has been withdrawing payments from my account for the past 5 years, so for them to ask for checks shows the internal problems this company has and the need for a governmental audit for fraudulent actions. I already submitted as requested the bank statement and that shows clearly the withdrawn twice done on XX/XX/2015 
Second the company never adressed the question of the interest rate charged to my account and the changes they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
It has been established that you are not interposing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00}

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 non-monetary relief
Consumer complaint received 2017-01-21
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I graduated from XXXX XXXX XXXX in XXXX of 2015. I had a grace period post college before repayment was to begin. I applied for a forbearance and was approved after that. Unfortunately, NelNet inadvertently negatively marked my credit report for a 90 day delinquency despite being approved for a forbearance. When I tried to call and remedy the situation the initial representative ( XXXX XXXX ) was rude and told me the only the only way to get it removed was to prove that I was in the military. That seemed to be a tad bit outrageous because I never mentioned the military, the NelNet representatieve seemed to be attempting to patronize me here. On this same day of communication the representative ( XXXX XXXX ) told me NelNet had a phone number for me ending in XXXX but she would not provide the entire phone number. I called back and spoke with a representative name XXXX who stated the number they have on file for me was XXXX. I advised the number was invalid for me. My goal was to help NelNet understand that the time frames in which I was being asked to repay did not align with their records therefore I should not be viciously marked for credit on multiple NelNet accounts for miscommunication and for also having invalid contact information. I asked if I could pay any past due amounts and XXXX XXXX told me that I did not have any. XXXX XXXX also stated that since they had not heard from me they negatively marked my credit until they did hear from me. I do not feel this is legitimate or fair treatment. I understand the position of the CFPB and I understand not everyone may agree with it but it needs to be in place because discrimination appears to be at an all time high. Based on the information I viewed there was ( 1 ) one 90-day mark on all NelNet accounts that I have in the past 10 years on my credit bureau reports. That does not align with a 6 month grace period post graduation ( XXXX ), plus one year of forbearance and then another year of forbearance. When I called to get grace period information on my XXXX call they did not even know when I graduated. They had me in an unemployment deferment. They said the information from the school must have been invalid.

Company response to consumer: Closed with explanation