BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: PLANET HOME LENDING, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX XXXX  XXXX XXXX veteran who currently has a VA Fixed Mortgage which is serviced by Planet Home Lending. This complaint is with Planet Home Lending 's handling of the escrow account which is a part of this mortgage. 

On XX/XX/XXXX an escrow analysis was conducted which showed an estimated shortage of {$1200.00}, resulting in a {$100.00} expected increase in monthly payments to cover the shortage set to begin XX/XX/XXXX. This shortage amount was calculated based off the estimate that the remaining property taxes owed for the year were in the amount of {$3400.00}, when in fact the remainder due at the time of the escrow analysis was only {$2300.00}, resulting in an over calculation of {$1100.00} on the part of Planet Home Lending. ( Sect B, Item 2 of Escrow Analysis Statement ) Planet Home Lending has an estimated escrow balance of {$1800.00} for the current month of XXXX ( according to escrow analysis done on XX/XX/XXXX ), when in reality according to the XXXX statement dated XXXX, my escrow balance is currently {$3000.00}, the difference being {$1100.00}. ( Table 2 of Escrow Analysis Statement ) This over-calculation resulted in the miscalculation of future escrow  requirements which is the main reason for this complaint. I will attach the escrow analysis statement and the current county tax record reflecting all of these figures, and showing the obvious miscalculation. Planet Home Lending has an estimated escrow balance of {$1800.00} for the current month of XXXX   However, according to the XXXX statement dated XXXX, my escrow balance is currently {$3000.00} the difference being {$1100.00}. ( Mortgage Statement for XX/XX/XXXX ) I attempted to contact Planet Home Lending to resolve this issue and after waiting on hold for an hour I was connected with a Customer Service Representative who could not comprehend what I have explained in the above paragraph. 

In addition to the issues above, a {$110.00} late fee has been charged to my county tax account for the late payment of my taxes. Taxes for XXXX County, OH are due XX/XX/XXXX for the second half of the previous year. According to Planet Home Lending 's records, a payment of {$2300.00} was issued out of my escrow account on XX/XX/XXXX. According to the county records the payment was not posted to my tax account until XX/XX/XXXX. I do have recourse I can take with the county in order to have this fee waived, but in order to have the fee waived I need Planet Home Lending to prove the funds were received by the county before the due date. I attempted to communicate this to the Customer Service Representative I spoke with, but was told repeatedly that it was between me and the county tax office and that Planet Home Lending could do nothing to assist me with it. 

Any assistance the CFPB can offer with this is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX has repeatedly called me told me to go " XXXX myself '' called me 100 times called my elder mom threating her. talk to a XXXX I told him that I was a victim of id theft and that the man was arrested XXXX said he did not care was rude and said his just going to keep calling I told XXXX at XXXX that he could no longer collect because the time frame was up under California law he made up some bs thing! I again told he that the time frame by law was 4 years he was not listen or taking anything I said seriously rude XXXX arrogant! this man has violated every collection law! he said he can do what ever he wants and there nothing I or anyone can do about it!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Kriya Capital, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I requested your assistances on a collection company filing a debt. 
That was off my credit report. 
However, the company just found a new collection company to seek the debt. 

Credence Reference XXXX On behalf of XXXX {$1100.00} This company wants me to dispute their offer or settle at {$640.00} I provided the stolen merchandise and reported to XXXX to blacklist the IMEI. 

This debt was cancelled. But continuously resurfaces. 

Please assist me as I've been dealing with this problem for two years. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have an unauthorized inquiry on my credit from Chrysler Capital. I demand to know the name of the individual that submitted this fraudulent inquiry into my credit so that I can refer them to the local police for prosecution. This inquiry is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
For the second time within 3 months I have received 2 unauthorized credit inquiries for credit cards, which I an unaware of. The most recent being XX/XX/XXXX, XXXX XXXXChase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: CMRE Financial Services, Inc.
State: CA
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 XXXX XXXX. My Social Security number is XXXX. On XX/XX/XXXX, I checked my credit reports generated by XXXX XXXX and XXXXXXXX and discovered that I owed {$57.00} to a collection agency called CMRE Financial Services. I also discovered that CMRE had reported this amount as delinquent to the credit bureaus. I contacted CMRE by phone and was informed that a company called XXXX ( a provider of ambulance services ) had charged me {$56.00} for date of service XX/XX/XXXX. I explained to the customer service representative with CMRE that I never received a bill from XXXX nor from CMRE. When I asked CMRE to verify my mailing address, it was wrong in their system ( and, of course, wrong in XXXX 's system ) -- that is why I never received a bill from CMRE or XXXX, and why the debt was reported as delinquent to the credit bureaus. I should also mention that I was not contacted by phone or e-mail by CMRE or XXXX. My mailing ( and home ) address at the time was XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX. In CMRE 's system, there was a typo in my address, as follows : XXXX XXXX XXXX XXXX, XXXX XXXX. 

On XX/XX/XXXX, I paid CMRE the {$56.00} using a Visa credit card. The payment is listed as made via XXXX XXXX XXXX. 

( For the record, my current mailing address [ as of XXXX, XXXX ] is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My current home address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ) Because XXXX and CMRE had an incorrect mailing address for me, which resulted in my never receiving the bill, and as neither XXXX nor CMRE phoned or e-mailed me to make me aware of the bill, I strongly believe that the delinquency which thus came about, and which was reported to the credit bureaus, should be removed from my credit reports with XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have had this loan from XX/XX/XXXX and then refinanced in XX/XX/XXXX. I have been paying {$100.00} as of XXXX of last year ( XXXX ) for 2 years. My interest rate is through the roof at 56 % and I have seen no change in my principal balance. After doing my own research, I learned that most financial institutions have interests rates between 3-36 %. There was one instance ( XX/XX/XXXX ) where I called to start really attacking my loan principal to pay off the loan early, I paid an extra {$50.00} and it did not go to the principal. I then called to talk to a rep and they said they don't know where an extra payment will go because it is computer generated. This is a predatory loan, I have contacted other financial institutions to get this refinanced to pay off so that I can actually pay the loan off and have a guarantee that if I make an extra payment on top of the original loan payment it will go to my principal. At this rate, this loan will never be paid off. From the payments, I have made since the inception of the loan I've already paid it off, the total amount is {$4700.00}. From the contract if I continue to pay, I will have paid triple the amount of the original loan which was {$4300.00}. On XX/XX/XXXX the Attorney General of Virginia sued Net Credit and other companies for predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I used XXXX to shop for a 30-year conventional mortgage to refinance my home loan. The best rate quote from the site came from Wyndham Capital Mortgage , Inc., with a quote of 3.0 %. A screen print of the quote has been uploaded. After taking the time to provide all of the requested documentation for a loan application ( including my spouse ), I was provided no means with which to lock this interest rate. I was provided with an electronic packet of initial loan disclosures on 7/22/2020. This packet has also been uploaded. The Loan Estimate ( page 21 ) indicates an interest rate of 6 %, which is double the amount of the rate quote on XXXX. After seeing this, I attempted to call XXXX XXXX, the assigned Wyndham contact person, but was unsuccessful because her name could not be found on the automated phone directory. I also sent XXXX an email asking why the Loan Estimate contained a XXXX XXXX interest rate, while being quoted a rate of XXXX XXXX. I received no response from this person. I was asked to e-sign certain pages of the disclosure packet, but refused to do so based on the interest rate discrepancy. I indicated in the e-sign system ( DocuSign ) why I refused to sign the disclosures. I feel Wyndham Capital Mortgage has been unfair and deceptive throughout this process. My wife and I have credit scores approaching XXXX, low debt-to-income, and substantial equity in our home, so I am confident we would have qualified for the lowest rate offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband incurred a {$160.00} debt for ambulance service on XXXX XXXX, 2015. I called the debt collection agency XXXX Northwest Collectors XXXX to inform them of his untimely death. They responded by saying his debt now becomes my debt since I 'm his surviving wife. I informed the agency that Illinois is not a common law state and my spouse 's debt does not become my debt. I wrote them letters disputing the debt but to no avail. Northwest Collectors has since transferred the debt to my name and reported it the credit reporting agencies and the debt is now on my credit report.

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 2016-01-20
Company: AFNI INC.
State: IL
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:
First of all, we were not aware of this debt. This was a landline phone at a rental property and XXXX XXXX XXXX did not get the bill correctly mailed so that we could pay it. They just turned it over to a collection agency which is whom I have the biggest complaint with. After applying and being denied for credit, I discovered that this was on my credit report. I immediately called XXXX XXXX XXXX that said to call AFNI and pay with them since it had already been turned over. I stated that I wanted it removed. XXXX said if after calling AFNI I didnt get resolution to call them back and they would pull the account back and I could work with them. I called AFNI on XXXX/XXXX/16 and explained what I needed, she said she would gladly take the payment and then I could have this removed. After being denied once again for credit on XXXX/XXXX/16, I found out that the debt was still showing in collection and still being reported even though I had paid in full on XXXX/XXXX/16. I then called AFNI and was treated so rudely. The gentleman basically said I was a liar - that they werent going to remove anything. I have never seen such horrible customer service to someone who is obviously distraught over losing a mortgage loan over a {$100.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, I have obtained my credit report and notice that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report, and I was not alerted to this information being authorized on my reports and I am demanding that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent, and they have negatively impacted my relationships with creditors and caused mental anxiety. I reached out to XXXX, Experian, & XXXX about these matters on numerous occasions requesting TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. The only response I have receive from these agencies is this debt has been validated or verified and will remain on your consumer report with no documents or proof provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. These are clear violation of my federally protected consumer rights according to the Fair Debt Collection Practices Act and Federal Credit Reporting Act below is a list of laws that have been violated. 15 usc 1681 c 2. 15 usc 1681 b ( a ) ( 2 ). 15 usc 1681 a ( k ) asa ( iii ). 15 usc 1681 ( a ) ( 4 ). 15 usc 1692 d ( 1 ). 15 usc 6802 ( b ) ( 1 ).

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 2023-01-21
Company: PNC Bank N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called in early XX/XX/2022 to request help with the extremely high interest rate of 29 % that we are being charged. They said they couldnt lower it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I've been writing TransUnion for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. They didn't investigate anything and when asked for the method of verification, they ignored me. Didn't even bother with updating the dispute status to reflect the accounts being disputed. I'm uploading the letters to prove it. My next move is to go to small claims court since TransUnion will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. TransUnion 's business model appears to be to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports. The perfect mechanism in which to charge consumers more interest.

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 2016-12-13
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in my XXXX payment I included an extra XXXX to go to principal but the mortage company did not credit me with payment. they used the payment for escrow account. I had written instructions the amount to go to principal but they did not credit me with the amount to go to principal

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 2020-08-11
Company: Better Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a 30-year mortgage refinance with Better Mortgage  Corporation on or about XX/XX/2020. Was notified by the company of a pre-approval with a rate lock of 2.75 % and provided a GFE for closing costs. I was informed by the company that an onsite property appraisal was not necessary and I would be receiving a waiver but my credit card was charged {$550.00}. 

I provided all loan application documentation requested via either upload to the Better.com website or email, nearly all of it within 72 hours of application date. Subsequently informed by the company that the loan was in underwriting. I then received 2-3 adjustments to the original GFE with significantly higher closing cost estimates based on bogus property tax figures. I made the company aware of this and requested a corrected GFE. This has not been provided and I am no longer receiving communication or return phone calls from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Cash Express, LLC
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I went on vacation 1 day before XXXX of my pay dates which was XXXX/XXXX/15, so the company said they would make my due date on XXXX/XXXX/15 since I was returning from vacation on XXXX/XXXX/15 and the company would be closed until XXXX/XXXX/15. They led me to believe my next pay date would be on XXXX/XXXX/15. Instead I paid my payday loan and they set it for XXXX/XXXX/15 instead of the XXXX/XXXX/15 I had been told. so in 3 days I would be paying another XXXX fee for a payday loan. I believe this is wrong and a way to take advantage of payday loan customers. I believe this companies need to be regulated closer and ones like Cash Express and basically using threats and extortion on their customers to scare them when all they do is collect court cost. They can not press criminal charges. Cash Express needs to be regulated better and not using scare tactics to intimidate customers. XXXX is the manager and XXXX was who waited on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX Capital One Financial Corporation was awarded a court judgement against me in the amount of {$4300.00} for an unpaid credit card account in my name only. At that time, they also froze the joint bank account I had with my spouse which subsequently was released. In XXXX Capital One attempted to garnish my wages, but due to part time employment and my income not meeting garnishment requirements it was dismissed by a judge after appearing in court. On XX/XX/XXXX Capital One has again filed for a garnishment and abstract of judgement hearing dated for XX/XX/XXXX. Due to my unemployment and financial circumstances off an on since the original date of judgement in XXXX that balance remains unpaid and no payment was ever made. Is this company breaking the law by filing another lawsuit against me since it has now been over 10 years since the original judgement was awarded? Hasnt the statute of limitations expired on this type of debt in the state of Virginia?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Told Sallie Mae I was having trouble making payments. I asked for a month of forebearance and I could continue payments as normal after that. I made a {$50.00} " good faith '' payment and they told me I could continue to make payments the following month. They did not grant me the forebearance and instead added a late fee to what I already owed. Basically told them I could n't make a payment, so they took {$50.00} from me and charged me anyways.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation