BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I refinanced our loan on our house about 3 years ago through Mortgage Company Y. About 1 year later our Mortgage was purchased by PennyMac, my current Mortgage provider. When our Mortgage was originally setup we did not have an Escrow account as both our property taxes and home owners insurance is paid by us directly. We do have PMI on our mortgage which both our original Mortgage provider and PennyMac pay from my monthly payment. 

PennyMac assumed they paid my home owners insurance so they cut a check on my behalf in XXXX XXXX. Then once their automated system saw that I had a negative balance, they assumed it was from my Escrow account that we never setup. This problem occurred when the mortgage was transferred to PennyMac, which they admitted and fixed. At no point in during my mortgage have I been late or stopped paying the exact same amount which was established at the beginning of this loan. However because of PennyMac 's error they charged me a late fee since my account showed a negative balance, this late fee causes issues because when their system pays my PMI, the balance continues to be negative. I have called PennyMac three months in a row trying to fix this in which they claim to do, but unfortunately each time I get a mortgage bill the error continues and they increased my mortgage payment, to fix the negative balance. During my last call on XXXX/XXXX/XXXX to XXXX at XXXX ( PST ). I was placed on hold for about XXXX minutes when XXXX said the insurance department was the only department which could fix my problem. I was placed on hold again for another XXXX minutes in which the individual who finally answered said they only deal with property tax and home owner insurance escrows. He looked at my account and said that I do not have an escrow account and that my insurance is good until XXXX. He apologized and said I would have to call customer service back. Funny Customer Service closed at XXXX XXXX, how convenient. I would like PennyMac to put loan amount back to its original amount which was established when I stated this mortgage along with crediting my account for all the late charges they put on it due to their mistake. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a debt collection letter in the mail today from Unifin. The letter shows XXXX XXXX XXXX  as the original creditor, and XXXX XXXX XXXX as the current creditor. The letter does not include the required statement that I have the right to dispute the debt. It only states that it's an attempt to collect a debt, and also that the statute of limitations has expired, so I can not be sued for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a second complaint on another issue with the same account. In the first complaint I had expressed that I was being over charged interest which is true but nothing was done by either the attorneys office or the collections company there is a second complaint that I would like to present is on XX/XX/2010 a civil judgement was granted for a credit card in the amount of XXXX who was owned by XXXX  XXXX XXXX and this judgement was a default judgement because I did not go to court to defend myself I have went to the XXXX district court in XXXX XXXX Michigan and there I had ordered and paid for a copy of the file on the debt in question after going through each and every page of what was filed with the court back in XX/XX/2010 there is no loan documents showing that I owe this debt so the court turns a blind eye and stamps a judgement with out proper documentation I call resurgent and have asked for a print out of what they believe I owe and am yet to recieve any documentation on this debt, the attorney 's office who is now handling the account says that it takes complaints very serously so do they have any documentation on this account I am asking for proof that I owe this account and that proof is not a default judgement that I am asking for I would like proper documentation that I owe this account I have attached the proof that was submitted to the court in order to get this judgement, a bill of sale from XXXX  XXXX XXXX with no account number or amount on it, a statement of account which is a blank piece of paper with numbers created by someone I'm not sure who, an Affidavit saying I owe this account by someone I don't even know from an attorneys office XXXX XXXX XXXX XXXX XXXX which is now being handled by XXXX XXXX XXXX. Now my complaint is very serious I have a collection company and an attorneys office with a garnishment on my wages my tax return from the state of Michigan was garnished by Resurgent I am asking for proof that this money is owed and that's why I am bringing this in front of the Consumer Financial protections Beauru these company 's need to be exposed for not following the law and providing the courts proper documentation of the debt these collection companies prey on people who don't show up to the courtroom for various reasons and get a judgement from a court who turns blind eye to not having the proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX reported that I owe {$1300.00} to an account that was fraudulantly opened with my social security number on XX/XX/2022. They turned it into a collection agency called XXXX XXXX XXXX and reported it to XXXX in XX/XX/2022. I noticed it on my credit report XX/XX/2022 and contacted XXXX XXXX XXXX at that time, along with XXXX. XXXX told me that I would have to go through the credit collection agency at thay time. A fraudulent address showed up on my credit report when I looked at it yesterday, XX/XX/2022. It is XXXX XXXX XXXX, XXXX, CA. I have lived at XXXX XXXX XXXX XXXX for 6 months and XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( 17 years ) prior to that. Please help me get this off of my credit and close the account with XXXX XXXX. I have since frozen all XXXX accounts ( XXXX, XXXX and XXXX ). I am applying for a mortgage at this time so time is of the essence for me to get this resolved. Thank you ps-I also attached a coupe of utility bills of proof that I live at XXXX XXXX XXXX XXXX XXXX XXXX, CA. I work for XXXX XXXX XXXX XXXX and do not live in XXXX, CA.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: NC
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:
I have reached out to the credit bureaus over 30 days ago and am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have reached out to the credit bureaus over 30 days ago and am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020 I opened a new checking account with Bank of America. I had earlier received a targeted mailing offering a {$300.00} new account bonus. The sole requirement for receiving this bonus was to set up and receive qualifying direct deposits of {$4000.00} or more in the new account within 90 days of account opening. I received direct deposits on XX/XX/2020 and XX/XX/2020 whose total exceeded {$4000.00}. The offer stated that the bonus would be deposited within 60 days of completing the requirement. Hence, I should have received the bonus by XX/XX/2020, but I never did. 

I have reached out to BoA multiple times since that date but the bonus remains unpaid. My best understanding from these conversations is that BoA 's system failed to recognize the incoming transfers as " qualifying direct deposits ''. To be clear, the deposits represent my regular income, namely the XXXX money I receive from XXXX  XXXX & XXXX XXXX  ( disbursed by XXXX XXXX as a direct deposit ) in support of my position as a graduate student, and are therefore " qualifying direct deposits '' as the offer defines them. I have indicated the source of the deposits to BoA multiple times. 

It is understandable, with many employers and payroll processors in use, that BoA 's system might sometimes misidentify direct deposits. However, given the long time elapsed since the bonus was due, even after I brought the error to their attention, I believe that BoA is unwilling to resolve the error in good faith, and that is why I am making this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: LEXISNEXIS
State: NY
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:
On XX/XX/2020 I applied for a car loan with XXXX XXXX I was denied, XXXX XXXX said that they verified information with Lexis Nexis and XXXX. Both companies clearly has no information on me to make this inaccurate claims. I would like to know where, who, and how does XXXX, XXXX XXXX, XXXX  verify there information if LEXIS NEXIS has no record that pretends to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I had received a bill on a credit card in the mail only after it was delinquent, rather than prior to its delinquent status. The delinquent bill had late fee charges and interest. This is the second time this particular company has engaged in this practice. Upon calling their service center, they removed the late fee charges ( but not interest, which is minor to me ). I would like to register this in case this is a widespread practice. The company is XXXX ( Amazon credit card ). I think the bank is Chase.

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 2021-04-21
Company: United Revenue Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a copy of my credit reports and noticed that United Revenue Corporation at XXXX XXXX, XXXX XXXX, XXXX, TX XXXX was reporting two medical bills on my credit reports. I immediately reached out to them via certified mail and asked that they verify the debt that they are attempting to collect. I also asked them if they had permission from me via a signed document giving my permission from the hospital to release my personal and private information to them in their attempt to collect a debt that may very well not be mine. I sent my initial request to them in writing dated XX/XX/2021. They responded back with a letter dated XX/XX/2021 with both personal and private information regarding treatment that was given to someone bearing my name but no proof of a signed contract by me nor a signed HIPPA from my giving them access to information on me. I wrote to them again via certified mail with a letter dated XX/XX/2021, informing them that they still never complied with my first request of a signed contract nor a signed HIPPA release form and therefore I was asking that they again verify the said debt they are trying to collect on. 
They responded back via letter on XX/XX/2021 with the remarks that they were classifying your continued vague disputes as frivolous attempts to dispute information that you know to be accurate this was their response verbatim. This is very offensive to me as I know my rights. How is my request for proper, solid verification a frivolous attempt to dispute when I have every right by law to ask for them to show me in writing verification of a debt they say I owe? They are violating many of my rights and I would like to have this matter investigated. Thank you for your attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was advised when I got this card that the cycle date was the XXXX  every month. I called in multiple times because there is no app and the statement date kept changing. The representative assured me that my cycle every month the rest of the year would be the XXXX. This month, during the holidays, Im hit with a XXXX bill almost because I went shopping for XXXX  dinner items and gifts after the date my statement was supposed to cycle. This card is paid in full every month due to it being my main home card. All of my house bills and food go on this card. The representative I spoke with initially gave wrong info and the supervisor I spoke with today advised he could not give me the billing cycles for the 2021 year because you do not release those to customers. That isnt internal or proprietary information. Thats withholding information pertaining to my account. I work for a major XXXX  XXXX and we have to provide that if a customer asks for it. How can you expect your customers to accurately budget if your agents can not simply tell them or set a due date. The rolling 72 hour period the supervisor spoke of should not effect the date my card cycles and the charges should be placed on the cycle they were charged on based on the date and time the charge comes through. That should remain unchanged that way I as a consumer, can plan my bills accordingly every month. Bait and switching your customers is absolutely unethical. I signed up for this card for the rewards and switched from XXXX  XXXX. I never had this kind of issue with them. I have multiple major cards and not one of them has a variable cycle date. I am very much considering cancelling this card and going to a reliable institution that can answer a simple question pertaining to my cycle date and doesnt withhold account specific information that I as a consumer am entitled to. Based on the customer service Ive received, I understand why customers would rather not do business with synchrony. This entire situation has been a joke and never shouldve 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 2022-09-16
Company: DISCOVER BANK
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Discover been making life unbearable for me. Limit was {$1600.00} and payments was made. They keep reporting inaccurate balance which is really messing up my credit so bad. Ive tried to resolve issue with them but they not having it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency Gulf Coast Collection Bureau , Inc. has sent me a late 30 day notice on a debt to the wrong address, leaving me little time to dispute debt. Debt notice dated XXXX/XXXX/XXXX, but only received on XXXX/XXXX/XXXX, leaving me little time to respond. 
1. Debt in dispute is from XXXX XXXX for unwanted and unnecessary services on XXXX/XXXX/XXXX. I had no injury and no complaint of pain. 
2. I signed a Patient Refusal form XXXX/XXXX/XXXX at XXXX on XXXX XXXX, XXXX XXXX. 
3. The Paramedic erased my signature, and altered a medical record -- a violation of Florida Statute 395.302. 
4. In email XXXX/XXXX/XXXX, the XXXX County Director of EMS and Fire Administration admitted the signed Patient Refusal form was erased by the Paramedic, and said the Paramedic would be given remedial training to ensure that patient signatures are saved. 
5. XXXX actions in destroying my written refusal of treatment and transport is BREACH OF CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: Rhode Island Student Loan Authority
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am being charged late fees every month, and i am never late. My loan has been set up to automatically withdraw from my bank account since the beginning. It is impossible to mange this with the lender, because there is a third party that is managing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 I entered into a contract between XXXX XXXX XXXX for {$4500.00}. The " custom '' closet was intended to be installed and completed on XX/XX/2020 -- it was not. I charged two charges for the amounts of {$450.00} and {$1800.00} on the Citi Shop Your Way Credit Card ending in XXXXThis amount was later disputed with Citi because the advertised services and products were not rendered per the contract. Citi initially applied a provisional credit on the account. Days after, XXXX XXXX XXXX charged {$2200.00} of which I did not authorize, nor is it a charge that both parties have entered an agreement on per the contract. I contacted Citi, a representative from the Fraud Department disputed the charge as fraud. On XX/XX/2020, I received response from Citi outlining that I has signed as if I was satisfied with the products and services, of which is not true. I asked Citi to review the documents while I was on the phone and maybe we can rectify any confusion, the representative was able to confirm with me that yes, I did not sign that I was satisfied with the products or services as the letter stated. I emailed a rebuttal to Citi and contacted them by phone illustrating the inconsistencies with their and the merchants assertion with documentary evidence on XX/XX/2020. During the weekend of XX/XX/2020, Citi moved the fraud charge to the account causing it to overdraft and applying a charge that I never authorized nor did I agree on with the merchant. A representative from Team 13 in Idaho said that the charge was not fraud. I conveyed to them that a report to the CFBP will be initiated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have two negative items on my account that Equifax took points away from me for one is XXXX XXXX  two is XXXX  I did not close these accounts and I would like to have my points given back that they took from me.

Company response to consumer: Closed with explanation