BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-30
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working with a homeowner on a hafa short sale with PNC Mortgage. MONTHS AND MONTHS of them " losing '' paperwork - despite fax confirmations. Now they are telling this XXXX couple that they were declined for hafa due to " inconsistencies ''. They REFUSE to elaborate. I can not imagine any inconsistencies, however, per their hafa matrix, they are supposed to request documentation to explain. They refuse and are telling us that they will only give an explanation if the homeowner requests in writing - this is not acceptable. We have a good offer and these buyers will not continue much longer. They have offered them a short sale wherein they will not waive the deficiency without a huge contribution. This couple is on XXXX and has NO MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was sent an email offering XXXX at a low cost. I checked the internet to inquire about negative information on the business and found nothing. It was XX/XX/XXXX and I asked my husband would he make me a XXXX gift of the XXXX. He said if I could pay the bill in XXXX months I could do it. I visited the clinic to get my questions answered. After being told the XXXX would cost $XXXX, the intake person encouraged me to get it financed through Care Credit (a subsidiary company of Synchrony Bank). I was given the brochure and was told to ask them about XXXX-month financing. I was unsure about opening another credit account because I have a number of credit cards already and did not want to wreck my credit score by adding another. But I had another Synchrony credit card (JC Penney) and they were a very reputable business, also I knew I could close the account after the card was paid off.   I called the number and after being transferred XXXX times, I was transferred to the person who authorized my XXXX to be financed over XXXX months.  When I asked for paperwork to verify, I was told that I should merely tell the doctor's office I was approved.  I never would have gotten the XXXX done on a 6-month interest free financing. After my XXXX, I began making payments in XX/XX/XXXX of large amounts, because I wanted a smaller, manageable amount to end my payments in XX/XX/XXXX. I never looked at my statements, I just checked my online account and continued to make payments.  In XX/XX/XXXX, looking at my online statement, an unreasonably large amount had been added to my payoff balance. I called and questioned Care Credit, and they said the doctor had denied me the XXXX-month interest free financing. I was appalled, I had never heard of a credit card company doing what the payee said and not the payor.  I had never been notified by the doctor's office or by email from Care Credit that I had been denied. I trusted that the right thing was being done. I never checked my online statements, I just continued to make payments. I transferred most of the balance to a more reliable credit card, but was still charged an unreasonable amount again on the unpaid amount. What kind of credit company charges $XXXX for XXXX months on XXXX and than another XXXX on an unpaid balance of XXXX? I felt completely cheated because they wrecked my credit, and I felt they stole my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a HELOC with Chase. Chase is reporting monthly payments are on time. Principle balance has been increasing. This is not an interest only loan. 

Below is the screenshot of the Chase website account history. 

{$63000.00} See details Opens dialog : Principal balance {$62000.00} Next payment due XX/XX/2021 Amount due {$280.00} Automatic payments Off |Set upAutomatic payments Available credit {$800.00}. 
Date Description Amount Balance XX/XX/2021 PAYMENT {$280.00} {$62000.00} XX/XX/2021 PAYMENT {$0.00} {$63000.00} XX/XX/2021 PAYMENT {$270.00} {$63000.00} XX/XX/2021 LATE CHARGE WAIVED {$25.00} {$63000.00} XX/XX/2021 LATE CHARGE ASSESSED {$25.00} {$63000.00} XXXX  XXXX, XXXX MISAPPLICATION REVERSAL {$270.00} {$63000.00} XXXX XXXXXXXX XXXX MISAPPLICATION REVERSAL {$1.00} {$63000.00} XXXX XXXXXXXX XXXX PRINCIPAL PAYMENT {$1.00} {$63000.00} XXXX XXXX, XXXX  PAYMENT {$270.00} {$63000.00} XXXX XXXX XXXX  PAYMENT {$1.00} {$63000.00} XXXX XXXX XXXX PAYMENT {$270.00} {$63000.00} XX/XX/2021 PAYMENT {$1.00} {$63000.00} XX/XX/2021 PAYMENT {$280.00} {$63000.00} XX/XX/2021 PAYMENT {$270.00} {$63000.00} XX/XX/2021 PAYMENT {$1.00} {$63000.00} XX/XX/2021 PAYMENT {$270.00} {$63000.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am recently retired XXXX service member who has been XXXX on and off since 2007, I got a Lowes Credit Card issued by Synchrony Bank. I have been paying my bills above and beyond my minimum, so I thought, since I have on-line statement. I recently checked on line to see all my credit balance since returning off XXXX and was shocked to see that instead of balance decreasing, it was increasing. The card security benefit was added without my knowledge and was charging me {$90.00} a month, so only XXXX dollars was going to interest and nothing was going to principle, thus increasing my balance and minimum and adding late fee. This has been going on for I do not know how long. In essence I have been paying XXXX towards the card security and interest ( half of it ) and nothing at times to principle. 
very respectfully, XXXX XXXX XXXX

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 monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: AZ
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 requested Equifax to remove a Collections that is not mine. They did not remove nor respond to my request. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, I received a billing statement from Frost-Arnett Company stating I owed a debt. On XX/XX/2021 I mailed a debt validation letter to Frost-Arnett asking for the original contract, creditor, alleged account number. On XX/XX/2021 I received a letter from Frost-Arnett stating they had received the debt validation letter, but instead of presenting the original contract, they instead sent medical bills. On XX/XX/2021 I mailed Frost-Arnett yet a second letter asking for the original contract, original creditor, and alleged original account number. At this time I have not heard from them. On XX/XX/2021 I mailed Frost-Arnett a Cease and Desist letter, along with a copy of the letter with the violations listed/highlighted, and an invoice for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent XXXX, XXXX and Transunion letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, XXXX or Transunion consent to furnish this information which is a direct violation of my federally protected rights.

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 2021-06-24
Company: DISCOVER BANK
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16
Company: Holloway Credit Solutions
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In early XX/XX/XXXX I received a letter from Holloway Credit stating they were about to report a debt of {$3300.00} on my credit for an outstanding medical bill that I had for XXXX ( a medical facility ) from XX/XX/XXXX. This amount included an illegal collection fee for {$820.00}. As I remember it, I became afraid because they said I had 10 days to pay the full amount. So, I submitted a payment for {$3300.00} via my XXXX. Days later I discovered that I had not signed any contracts with the original merchant stating that I would pay a collection fee. As a result, I contacted Holloway Credit Solutions and informed them of this illegal collection activity, and on XX/XX/XXXX, Holloway Credit Solutions credited {$820.00} back to my account. Upon recent further review of my account transactions, my attorney determined that there was NO CONTRACT WITH HOLLOWAY CREDIT SOLUTION OR ANY OTHER THIRD PARTY to pay this debt, so therefore, I am due a refund for the remainder {$2400.00} that I paid to Holloway Credit Solutions for the money they illegally collected with no contract, and while I was under duress of the threat of having this reported on my credit back in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Portfolio Recovery Associates are reporting XXXX accounts on my credit reports that do not belong to me and they are unable to validate the information. I asked for validation of the debt by asking for a copy of the original signed document and they sent me a copy of a bill which is not validation because I am not the person who started the account. On the XXXX report they are reporting for XXXX account that the date the account was opened was XX/XX/XXXX and the date of the 1st delinquency was XX/XX/XXXX. The 1st delinquency date was almost 2 years before the account was opened. They are reporting a different opening date to XXXX for the same account ( acct # XXXX ). The other account reporting to XXXX is reporting an open date of XX/XX/XXXX and the date of 1st delinquency of XX/XX/XXXX. The date of the 1st delinquency is over a year before the opening date ( acct # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was thru Ocwen ( They took over my original GMAC Loan ). I sold the house on XXXX XXXX, 2015, Ocwen was paid off. I overpaid a mortgage payment. So they owe me {$2000.00}. I have been calling them, they keep telling me it takes time to process. Finally in XXXX, they told me they mailed out a check on XXXX XXXX ... .Never received it. have been calling all of XXXX an XXXX. They keep telling me to give it XXXX business days, that it is being re-mailed. I have repeatedly asked for it to be XXXX XXXX so it can be tracked. I was told to wait XXXX days just to see if they can XXXX. Now I get a call on XXXX XXXX, 2015, that they have wired the money to XXXX XXXX ... I have no idea who that is, so she wanted to research some more. Today ( XXXX XXXX, 2015 ) I hear I 'm sorry it has been wired to XXXX XXXX XXXX, and you will need to call them ... I have NEVER had a bank account at XXXX XXXX XXXX ... I told them I want my money, that what they are doing is not right! I have been waiting since XXXX for my money. I am closing on my new home in XXXX and need that money. I am a single parent and {$2000.00} is a lot of money for me.

Company response to consumer: Closed
Consumer complaint received 2022-02-14
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had called LoanMe around XXXX XXXX & I wanted to pay off my loan. They had told me it had got sent to a collections company. The number they had given me was XXXX. I had called them & paid off the amount of {$2900.00}. They had told me the this well be taken off my credit within the next month or so. Ive been checking my credit report & its still on there with a full balance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: COMMERCE BANK
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Commerce bank says I have an available balance of XXXX, but they say I 'm overdrawn too. My account never went below zero. They have collected a bunch of tiny transactions for stuff that I purchase everyday. Like eight four dollar lunches. This way they can charge me a fee for each one. Remember my account never went below zero. I have {$200.00} in my wallet. This wo n't help. I could deposit a million bucks at this point in and it would n't help, because for a moment in time by their crazy accounting, I was " overdrawn ''. It is n't even the one transaction for {$300.00} that triggered this that i have to pay for -- it is a bunch of tiny transactions. This way they get to charge me for each one, turning a {$20.00} overdraft fee into a {$200.00} overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase changed the credit limit on the account ending in XXXX in XXXX XXXX after stating that this account ending in XXXX should have been deleted from my credit file during an investigation by the OCC in XX/XX/XXXX. Yet, this account, which is my original Chase account opened in XX/XX/XXXX is still being reported as open and active as it should be, but was hidden from me until XXXX XXXX when I called Chase as to why they reported XXXX accounts when I only had XXXX, Chase admitted they had mirrored my original account ending in XXXX and would send me a letter and an apology. Instead Chase told OCC they deleted the call and did not send that letter, but instead sent a letter dated XXXX XXXX, XXXX stating that the XXXX account was still reflecting on my credit file and they were requesting it to be deleted. Afterwords I monitored my Chase credit accounts very closely through XXXX. I was surprised that Chase had changed the credit limit on the account they requested to be deleted. I filed another complaint with cfpb and the result shows on my current XXXX credit report that Chase is reporting this account open and active. Chase did not report to XXXX and XXXX my account ending in XXXX in my credit report all these years. XXXX and XXXX have incomplete information with my Chase credit account history for account ending in XXXX. Chase mirrored my XXXX account in year XXXX, hid it in my credit report without issuing me a credit card ending in XXXX and saying that it was upgraded and did n't exist. But, this account does exist as Chase is still reporting it open and active in my XXXX XXXX, XXXX credit report. I paid Chase XXXX payments {$7500.00} XXXX because I did not want my credit to be ruined because of Chase 's error. .I am attaching the letter from Chase dated XXXX XXXX, XXXX credit report dated XXXX XXXX, XXXX credit report dated XXXX XXXX, and XXXX credit report dated XXXX XXXX. I would like my credit report to reflect my credit history which I have worked very hard to keep in good faith and good standing. Chase needs to explain why they changed the credit limit on the XXXX account AFTER they requested it to be deleted from XXXX as stated in their letter.. Chase needs to explain why they did not report my credit card ending in XXXX to XXXX and XXXX, alll these years especially since they are reporting it active and open since XXXX with a long good standing history to XXXX. Chase needs to explain why they accepted all the payments I made to them on an account that was mirrored from my original XXXX account and not a real balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: WELLS FARGO & COMPANY
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has called me regarding debt that belongs to someone else. I do not have, nor have I ever had, business or an account with Wells Fargo. I have asked them repeatedly to cease and desist calling me regarding someone else's debt. I even had someone fill out a cease and desist form. They have called me every two to three days since XX/XX/2015, sometimes leaving a message or, using a robo-dialer, leaving a message with no content. These attempts are in violation of the Fair Credit Reporting Act and in violation of the do not call list, as I have no debt owed to them and have not given them permission to contact me in any form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My house was sold as a short sale through XXXX XXXX XXXX. At this point I was ordered to pay a promissory note of XXXX dollars for mortgage insurance. The servicing of this promissory note was sold to Shellpoint Mortgage Servicing. The agreement was {$200.00} a month for 12 months. XXXX date of payment was XXXX/XXXX/15. I have paid every month on time and have been getting regular payment statements showing that I have paid up to date. The most current statement for XXXX that I have received not only shows my principle balance at {$2400.00}, my account number has changed as well. I called to advise Shellpoint of this situation and they have actually XXXX different accounts under my name. XXXX showing that I have paid {$800.00} up to date and the other showing I have paid nothing up to date, but XXXX accounts have a starting principle balance of {$2400.00}. They advised me it may take up to 14 days to resolve this issue. I am concerned they are doing this to other consumers as well. I ca n't understand how they have created XXXX different accounts for my XXXX promissory note. Also the weird part is that I only received XXXX bill but I somehow have XXXX different accounts with all my information. This definitely needs to be looked into.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: NY
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:
" Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that these accounts below be removed immediately. ''

Company response to consumer: Closed with explanation