BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 Chime Financial , Inc sent a letter detailing the immediate closure of my both my checking account and credit card. there was {$9000.00} left in my checking account that Chime has continued to hold all while blocking all communication and preventing me from emailing or calling them to retrieve the money. They blamed the closure on the state of Nevada where the money came from, but it was Chime making a false and unwarranted accusation of fraud and overstepped. Chime still lists my credit as open on my credit file and refuses to remove it two years later. Chime should return my money and allow me to move on They are committed theft and refuse to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The collection agency added to collections to my credit report on XX/XX/XXXX. I file bankruptcy XX/XX/XXXX and everything was cleared. All items were removed from my credit reports and I have been one monitoring them and this company has never appeared and is now adding as new items

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i have submitted my loan modification request with my penny mac loan servicing and there processing it, i was informed by penny mac that it looks like there is a possibility that i could be approved for some type of loan modification, but i need to give them or pay them XXXX % of back payments that were due in order to get a loan modification, not sure if this correct or not but i did n't think i would have to pay to get a loan modification, from the bank that has already received federal funding, i have the means to pay a modified payment but not large amount of savings to pay for a modification in order to stay in home

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Midwest Recovery Systems
State: TN
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:
On XXXX XXXX, I logged into to my account with XXXX XXXX and noticed that my score had dropped significantly. When I clicked on the factor it showed that there had been an account turned in to collections. The said account was for a pay day loan from a company called XXXX XXXX XXXX, and was turned over to Midwest Recovery Solutions, who had turned the account over to collections. I have never heard of XXXX XXXX XXXX and do not have pay day loans. I have received no written correspondence of any kind from either company. The first I 've heard of both companies was when I saw their names on my credit report. I have filed a direct dispute with them through XXXX XXXX, but I felt that I should also file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After checking my credit report in   XXXX   XXXX  , i found a credit card account from  Capital One which i never opened and didnt know about. I called Capital one immediately and informed them of fraud on that account. Capital one s ent me forms to sign which i did and returned to them. They told me they would close the account and remove it from my credit report history. I was assured that the case was closed and complete.     On Friday   XXXX   XXXX   XXXX  , i found a letter in my mail box demanding payment for a ca pital one cr edit card. I checked my credit report immediately and found out tha t Capital One h as been reporting this account as negative for the last two years.I called  Capital One  on   XXXX   XXXX   XXXX   to find out what is this account is all about. I was taken from department to department with no help. Finall  y, the Capital One representative told me they dont own this account because they sold it to a debt collector.
The question Capital One was evading from aswering are : 1. If the account was reported as fraud i  n  XXXX  and   Capital One said it was closed, why did they keep it open and sell it 4 yrs later and report it to the credit report of the person who reported the fraud?
2. Why does Capital One keep on demanding payment from the person who was defrauded and actually reported the fraud?
3. Why cant Capital One send   demand letters for payment to the address they sent the credit card to?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Optimum Outcomes, Inc.
State: NC
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:
My ex wife takes my kid to the doctor. Uses my insurance card but puts her name, address on the admission paperwork - guarantees the payment. The hospital send her countless bills which she throws in garage. Mean will I know nothing of this. Then, the hospital uses the insurance information and puts me in collection. I did not sign the guarantee rather I provided the insurance. There is no linkage between guaranteeing fees and using the insurance rather the person that signs guarantees the fee. The hospital sent it to collection before I knew about any of this. So, the hospital has no further interest in it and wo n't discuss it with me. I wrote to XXXX and complained and never heard back. Now XXXX has started showing these derogatory remarks. I want them removed yet they wont remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Additionally, I have  a Fraud Victim Alert in p lace with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 accordi ng to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit. Experian told me this is not supposed to happen with a  Fraud victim Alert i n place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?

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 2017-05-10
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about  XXXX   XXXX ,   XXXX  , I noticed that a LVNV Funding LLC company had reported a derogatory mark on my  XXXX  and  XXXX  credit file. This is an unknown entity and I am not familiar with this company, nor have I done business with this agency in the past, however, this agency is reporting adverse information on my credit file, which is causing harm to my creditworthiness.     This agency is associated with  XXXX   XXXX    XXXX    XXXX  as my credit file reference  XXXX   XXXX  as an original creditor in some form, however, I have no relationship with either organization. This company has never sent any information to validate this debt, or show evidence that I have any contracts, or outstanding debts with them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: EQUIFAX, INC.
State: GA
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:
My original lender was for a debt of  XXXX  which was  XXXX   XXXX   XXXX .  XXXX   XXXX  cooperation debt was sold to  XXXX   XXXX .  XXXX   XXXX  tasked  XXXX   XXXX   XXXX .  XXXX   XXXX  brought a civil suit against me for the amount of  XXXX  and failed to follow through as a result, the case was thrown out and I am no longer liable for this debt. I have made contact with Equifax to have this removed. The debt is no longer mine and must be deleted from my credit report. Confirmation  XXXX  and  XXXX  was submitted in online disputes. I submitted a copy of the court record stating that the case was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: CITIBANK, N.A.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On several occasions, Home Depot ( Citibank ) was contacted because they did not apply my payments as instructed to my card account ending in XXXX. I contacted them a total of 6 times where I wanted the excess of my payments applied a promotional balance which is expiring in XX/XX/XXXX. In short, the payment was not applied that way even after escalting to several supervisors. After a lump payment of {$700.00}, i should have had a promo balance of approximately {$2.00} ( yes ... XXXX dollars ) and they consistently failed to apply the payment accordingly. After the XXXX time, I thought it best to go the CFPB route. Please do what you can to assist. 

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 2016-08-26
Company: ACS Education Services
State: OH
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:
My monthly loan payments have been inconsistently applied to principal and interest -- with the majority being applied to interest ( in some months XXXX % of the payment is applied to interest ) -- over the past several years, even though my loan is a fixed rate, and the payments were made in equal amounts and on approximately the same day of each month. I have requested my loan documents from my lender by telephone and in writing, and I have requested an explanation from my lender by telephone. The lender has not provided the documents or an explanation of the inconsistent application of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My servicer, ACS Education, purports to provide forms on their website that borrowers can use to request in school deferments. However, when I attempt to complete the information necessary to print out a form to request a deferment, the ACS website displays an error message stating " Please enter Valid Account Number. '' ( The form includes a field that says " account number. '' However, this field is pre-populated and can not be edited by the user. ) The same error message appears when the user clicks on the button to download a blank form. The " Deferment Assistant '' on the ACS website does n't provide any other information about how to request an in school deferment for federal loans serviced by ACS. It seems quite possible to me that this website design is intended to discourage borrowers from seeking deferments for their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: ACS Education Services
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
As part of a divorce decree, borrower required co-signer assume 100 % of remaining student loan debt. Borrower has never made a payment on loan, payments have all been made by co-signer per the judicial order. Borrow submits the tax credit information on tax returns for self because cosigner has been denied document. Now, 8 years later, borrower has unilaterally increased the monthly repayment amount for no reason other than to maliciously affect co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am a current Citimortgage customer. When I inquired to refinance and roll my heloc ( also with Citimortagage ) to lower my monthly interest rate. The loan officer quoted me 3.87 % based on the basic information I gave him over the phone. He then pulled my credit report and I was shocked to hear that my score was XXXX due to XXXX XXXX credit card reporting me with a {$5.00} payment that was 60 days late. I called XXXX because I did applied for the credit card and never activated it and it turned out the charge was fraudulent. I then went back to Citimortgage and their response was that they needed to wait 30 days to repull my credit. I had XXXX send a communication to Citimortgage alerting them that the charge was fraudulent. 
Next Citimortgage had an appraiser value my house in XXXX XXXX California at {$700000.00}. I knew for a fact that XXXX XXXX is known for its superior school system and lack of housing and huge demand so I submitted an argument to the appraisal with my own comps ( the appraiser 's comp were older than 6 months and she does n't live in the area ) Citimortgage had the house appraised a XXXX time ( by the same appraiser ) who this time increased the value to {$850000.00}. Due to the fact the XXXX appraisals took over 9 weeks the lender told me the followingThe can not repull my credit even though I experienced fraud and I need to resubmit all the paperwork again because the original paperwork is too old. The lending office continued to bully me and say thinly veiled threats that if I did not agree to their process I would lose out on the 3.8 percent that I have been conditionally approved from since XXXX 2014. 

I am an existing customer with XXXX loan yet the loan office and the underwriter continued to treat me like I was lucky to be their customer and they would not repull my credit, combine the XXXX loans into a new refinanced loan and wanted me to pull all the information a XXXX time due to their incompetent appraiser whom they used XXXX. 

I work for a bank so I know that lenders have the legal responsibility to treat all customers with respect and fair lending practices. I do not believe Citimortgage is doing that to me or man other of their customers. 
I am happy to come forward with data to support my statement of unfair lending practices and poor treatment of customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-25
Company: Peter Roberts & Associates, Inc.
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received written notification of the debt. I was unaware it existed until it was reported to the credit bureau, 4 years after the service date. When I requested validation of the debt the representative refused to comply, and stated I am required to request a validation in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been enrolled with PennyMac mortgage automatic ACH withdrawal and the bi-weekly payment program for several years. A bi-weekly payment of {$1200.00} is withdrawn from my checking account at least twice but sometimes three times pert month. I went on vacation XXXX 2016 and when I returned I noticed that PennyMac had failed to withdraw the normal bi-weekly payments from my account. No payments were made in the month of XXXX 2016. This is in violation of our automatic ACH and bi-weekly payment agreement. I believe PennyMac intentionally did this so that I can not pay my mortgage off early and save by reducing interest charges over time. This is the third or fourth related CFPB complaint I have filed on PennyMac in the past couple years and nothing helps! PennyMac is using predatory lending practices and not honoring their auto ACH bi-weekly payment agreement I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
X/X/17    - This company has been making frequent and harassing calls to m y Mother 's hom e for almost a year now.   The numbers they have used just in the past week are :  XXXX   XXXX   XXXX   XXXX  The company is : Portfolio Recovery  Associates LLC   XXXX   XXXX   XXXX   (  &  XXXX   XXXX   XXXX  - for Disputes Dept. )  XXXX , VA  XXXX  I have sent them several letters begging them to stop calling my Mother 's number because I do n't live there and she is recovering from  XXXX   XXXX   XXXX  and is still undergoing treatments. I have explained I am currently dealing with illness, I have filed for  XXXX , I have no job and I have no income. I also explained I am not trying to avoid paying them, I just have  XXXX  income at this time. I am currently living with family and friends and constantly changing residences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: SUNTRUST BANKS, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On X/XX/17, there was a check fraud deposit from XXXX XXXX XXXX XXXX against a joint account that my XXXX daughter uses in her name only of {$5900.00}. It took Suntrust bank 4 days to realize that was a stolen check. There were multiple withdraws the next day of {$1700.00}, {$2500.00}, {$500.00}, and {$450.00}. Instead of just closing my XXXX daughter account and trying to get money back from her, Suntrust took {$5400.00} out of my savings and came after my son 's account as well and closed all accounts and left multiple overdraft charges in two of the 4 accounts that my son and I had left. When trying to contact there fraud or claim department they were very unwilling trying not to provide any information on who, what, when, and where these transactions took place. Also I just received a letter on the XX/XX/XXXX that was dated on X/XX/17 stating that the accounts are closed. When talking to them this past Friday, I stated that I had a police report and I wanted to give them the number, fraud department stated that the case was closed and if I wanted to reopen the case that I had to send a letter stating just that with the police report number. Suntrust made me feel as if I was the criminal when trying to get down to the bottom of the issue. I was blown off on several ocassions by them.

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 2015-09-08
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i faxed information to this coimpany as well this account is a result of identity theft and is still being reported and collected on ... acct # begining with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has the incorrect Party. I have written them, I have called them over the phone and they have confirmed once given my social number and address that they do have the incorrect party, yet they continue to attempt to collect a debt that is not mine and they have this erroneous debt listed on my credit report.     I want this off of my credit report. I did a dispute with the credit bureaus and they never investigated. Instead they provided my information to this company even after I provided proof of my  DL and Social to  the credit bureaus.     I do not have a contract with this company. They do not have anything with my signature listed on any form of documentation. Lastly, this is not my account. I have never had a  XXXX   XXXX  account.     NO CONTRACT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: ORO OC, LLC
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
EduLoan Servicing is a fraudulent program that used the official-sounding programObama  Student Loan Forgiveness to scam m e into believing that they offered programs that could lower my student loan monthly payments and even provide student loan debt forgiveness.     EduLoan Servicing shared they would collect my monthly payments on behalf of the federal student loan program and send them to my servicer. I most recently received a call from   XXXX   ( who is my current loan servicer ) stating that my account was delinquent and that EduLoan Servicing was a fraudulent program.     By this point, my checking account had been withdrawn an estimated {$900.00}. Through out the entire proces s EduLoan claim ed they were  a Student Loan Forgiveness program. They accessed my FSA ID using my ss # and driver 's  license. I am at a loss for words and would like to press charges. How do I proceed?

Company response to consumer: Closed with monetary relief