BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of XXXX, I changed my home owners policy because I rented my house out. PennyMac, my mortgage company, never sent out the payment for my new policy which they collect in the escrow so I received a cancellation letter from my insurance agency. I contacted PennyMac that day and was told a check was going out overnight. The money was withdrawn from my account at that time.I then received a lettter that my policy had been cancelled due to non payment. When I called the insurance company, I found out my insurance had gone from {$740.00} to {$1500.00} due to the cancellation. I contacted PennyMac who said something happened with the computer system so my check was never sent out. At this point they withdrew the {$1500.00} from my account and gave me a credit for the difference. I thought things were resolved until I got my new escrow account which said I owed $ XXXX. So I called PennyMac and when reviewing my account, they found that they never refunded my account for the {$740.00} check that never got sent, which has since been refunded and charged my account the {$1000.00} for the new home owners policy. When I spoke with my agent as to why my premium was still inflated from the original {$740.00}, he told me that it was because I was cancelled the previous year. I then contacted PennyMac regarding the fact that I am still being penalized for their misappropriation of my funds and requested the difference of {$300.00} because I would still be paying {$740.00} if my policy had not been cancelled and their supervisor 's response was " You had a year to find another insurance. ". I then contacted multiple insurance companies who all were as or more expensive then what I was paying now. I called the supervior I had spoken with on XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX XXXX, received a call back later that night XXXX/XXXX/XXXX but missed a call as I was at XXXX with my girls and I called her again XXXX/XXXX/XXXX at XXXX but have not heard back from her since. I filled out a complaint with the XXXX on XXXX/XXXX/XXXX, at which point I got a call on XXXX/XXXX/XXXX from another person at PennyMac saying he was in charge of trying to resolve my complaint and PennyMac insurance department were looking into the matter. On XXXX/XXXX/XXXX, I called PennyMac again and received a call back stating that the insurance department had determined that the refund was a XXXX time deal and that they were following with their original decision to not refund me the difference. I do not agree with this decision as I am paying more of my hard earned money because of carelessness of PennyMac. I did everything in my power to avoid this issue, spending hours of my time to correct the original issue and hours of my time a year later because the problem was never completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my house in XX/XX/XXXX with CMG Financial and at closing day CMG did not add the hazard insurance payment in the loan and had to make a payment out of pocket to have the hazard insurance on the house that was {$230.00}. I was told by my insurance broker that CMG was not going to pay. In XXXX i received my mortgage statement with a note added that the hazard payment was taken out of my escrow, then later on in the month i received a over payment check from the insurance. I was not notified at all that CMG was going to take money out my escrow to pay for insurance. Fast forward to this month XX/XX/XXXX when i received my statement my payment went up due to shortage in my escrow. I have only had this loan for 7 months. I called CMG 's customer service three times. The first time the representative did not want to give me more information as to why my payment went up. The second representative gave me all the information finding out that my Texas  XXXX insurance was not paid in the amount of {$1100.00}. So I have to put more money into escrow for 12 months to pay for XXXX, only {$410.00} will go towards to principle, {$530.00} will go towards my Escrow, and an extra {$95.00} will go towards the shortage in Escrow. Looking at my closing documents, Texas XXXX was included to be paid. Now i find out that it was not paid and not enough money was collected at closing via the second service representative. When calling back a third time to CMG, the customer service representative stated that she could not look at my closing documents and could not look at my county and state tax documents due to them being online with my account. The second rep was able to look at everything and let me know how much i owed and where i owed it to and my tax information. Even if i paid off the {$1100.00}, my monthly payment will be {$990.00} instead of {$860.00}. I talked to my Realtor and he told me that i received 6 % concessions that went towards my down payment, interest rate etc. Now i am wondering where did the {$1100.00} went too and why was it not paid at closing and why my monthly mortgage went up to {$1000.00} after 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an checking account with Chase back in XX/XX/2021, and prior to recieve my debit card, i got locked out from my chase mobile app. i couldn't gain acess to my account, so i called customer support, and they told me to go to the branch to solve it. and the staff at the Chase branch ( XXXX XXXX XXXX, XXXX, NY XXXX ) told me they need my premanent resident card to verify my identity. but at the time, i only brought my drivers license and my passport with me. they told me that they have to close the account, and when i asked about the remaining funds ( {$3000.00} ) in the account, they refuse to issue me a check in person, told me that they will mail check to me ( 5-8 business days ). after XXXX weeks, i still have not received the check. so i called them, and they told me they put a stop payment on the first one and issued me a new check, another two weeks past, still not in the mail. so i called customer support again, they told me to get a ( declaration of lost cashier 's check ( mailed XXXX jpmorgan chase and never received ) and have it notarized and fax over to them. i went to the branch did what they ask me to do on XX/XX/2021. i have the original file with me. another XXXX weeks past, still nothing in the mail. not even getting the first check or second check that they claimed mailed out. when i asked them about the letter with the check ' tracking number, they couldn't provide it. it is really frastruating after spending hours on the phone ( they put me on hold ) and today is XX/XX/2021, XXXX and an half month after the account closure. i still have not got the check ( {$3000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I haven't gotten one response from the bureau 's in the mail. I have been disputed for months now. This is out of control. I don't know how the credit bureau 's can act in this manner. So disrespectful they way they operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Bread Financial Holdings, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i have been working with Hamp services, to save to my home, i qualify for home principal reduction program, i sent my payments on time, the bank was in agreement, but then turn around and put a sale date on my home, i filed a ch XXXX on XXXX at XXXX same day of sale date which was at XXXX, i called the bank lawyer to let them know and also fax the bk case number, the bank received my paperwork on XXXX they answer the orginal complant that was filed with you, but instead of answer the complint to you, i recieved it the answer of the complanit the day before the sale date, i wasnt notifed of sale at all, the bank lawyer was not returning phone calls and was avoiding to back out the sale of home, they have been putting be on there force insurance, then i recieved a letter from another lawyer that class action suit because wells fargo was getting kick backs putting home owner on there lpi, i also dont understand, wells fargo has to follow investor guideline, when i thought they have follow hud guidline not investor guidelines,, not to mention my credit has been forced to be ruined because, the bank continues to not give a modifation, i meet the guidelines, and XXXX was never my investor at the beginning, up until recently my mortage note was under supeior mortage, so there for the foreclouser wasnt done the rightway, and wells fargo told me if i want a modicaftion i would have not pay my mortage, and beside my hardship i qualify for modifcation, and i want the bank to review my paperwork and my finainal have changed for the better, i am XXXX my XXXX they have caused me to get sicker and alot XXXX,, all my XXXX, i found out my taxes havent been paid for a year and i can fax you the proof,, when the bank came into agreement with home program i have sent in XXXX tht there holding,, the bank to not act ethical and accomdate a XXXX women, according to my doctors i could very well have another XXXX due to the over wheliming stress.which i can provide proof of my condtion, this isues with the house please reslove it, i also have a son that on a XXXX at home, and me being stressed around, thank youXXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My wallet was stolen and someone used my information to open up accounts in my name

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 2020-06-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase said I can open account i gave them mall info for business  a week prior they took my money allowed me open account then out of blue closed it the reason is a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to the company XXXX multiple times, and requested documentation on this debt. The documentation they provided me did not have my address or bank account. I informed them that this was not my correct address and Ive never lived in that location. They have continued to ignore and have continue to attempt to collect on a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Credit Karma, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Well I have a account with Credit Karma and before I was able to register my account a series of validation questions appeared stating that if I did or not have a mortgage loan in XXXX of 2010 and asking me what my loan amount was which for the record I have never owned a house bought a car or took out a mortgage also the next question was what was the company that I took out a auto loan / lease. Can you please remove these incorrect items from my credit file because it is wrong

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Rosebud Economic Development Corporation
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I never received any documentation regarding my loan via email or mail. Every time I call to find out what I owe and how much will be taken out of my account I am told a different amount. I would like clear and documented information reguarding my loan. I took out a loan for {$500.00} and was charged {$150.00} for the loan. Two weeks later {$170.00} was taken out of my account. Although I was told on the phone it would be {$150.00} and then later told over the phone it was going to be {$160.00}. 

When I called today to inquire about the balance I was told that the balance was {$610.00}. And they would be taking {$160.00} out of my account in a week. The fact that I have no documention of taking out the loan interest and no documention of payments made to date towards the balance and remaining balance made me suspicious. 

I checked with the XXXX and consumer finance and could not get any information about this company Zoom to cash / Zoom direct. When I called my bank I was informed that the money was taken out of my account by Zoom Marketing. The use of multiple names, lack of documentation regarding my loan and failed attempt to legitimize this company has caused great concern. I am afraid that an illegitimate organization has all of my personal information and gained access to my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: ACRANET INC
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX my address is XXXX .those names you have on my report is not me XXXX, and the address thats in XXXX ark every live at that address. that not me please remove off my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is not my Medical Account Debt. This was under my Dad 's medical insurance, and his Social Security #. Even though I was just XXXX on the day of service. My Dad 's Medical Insurance explained to me it was unlawful to use my Social Security # for Collections, because the medical clinic does not have my Social Security #. How and Why did the Collection agency have it and used it on my Consumer Credit Report? Same Medical Collection Amount did show on my Dad 's report and was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Owed : {$780.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$750.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: FL
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:
For nearly a year I have been disputing with this credit bureau that XXXX XXXX XXXX account number XXXX is reporting inaccurately on my credit report and I have asked them to delete it and they have refused. On my experian credit report it says that the XXXX  XXXX XXXX account is paid in full and the date of that payment was on XX/XX/XXXX. On the credit report it also states that the account was in good standing in XX/XX/XXXX. So, how can it be that the account is paid in full and no balance is owed. The last payment was on XX/XX/XXXX and the account was in good standing in XX/XX/XXXX so how then can Experian be reporting that the account went into delinquency on XX/XX/XXXX. That makes no sense. Experian is reporting that this account has a XXXX balance owed and the account was paid in full on XX/XX/XXXX but yet they are reporting that the account went into a charged off status in XXXX of XXXX which is false and makes no sense. 
On the same credit report under the heading ''Scheduled Payment Amount '' its says that it has no data. Experian is therefore saying that they have no record of my payment and when I made it yet they are reporting that the last payment was made on XX/XX/XXXX. This makes no sense. This credit report is incomplete and inaccurate and under the Fair Credit Reporting Act when ever an account is incomplete and in accurate then such account should be deleted. 
On the same credit report under the heading, '' Actual Amount Paid '' it says that it has no data. So, Experian has no data on any payments made by me on this account but yet they are saying that the last payment on this account was made on XX/XX/XXXX. This makes no sense. 
The XXXX  XXXX XXXX account is incomplete and inaccurate and this account should be deleted from my credit report immediately. I got a dcument from XXXX  XXXX XXXX stating that this credit bureau never contacted them so as to verify this account. My lawyers are using document as a means to file a lawsuit against Experian should they refuse to delete XXXX  XXXX XXXX from 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 non-monetary relief
Consumer complaint received 2016-03-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Complaint against Business Name : AES American Education Services Address : XXXX XXXX City : XXXX State : XXXX Zip : XXXX Telephone Number:XXXX I took out a parent plus school loan for my son in 2006. 
Currently the loan is held by AES. 

The original amount was XXXX at 7.750 % interest rate. 
My current loan balance on the most recent statement is XXXX Total Interest satisfied is XXXX Total Principal satisfied is XXXX. 

I had to go on forbearance for a few years during the recession, my husband lost his job and we relocated to XXXX from XXXX. 
I tried to get the interest rate down when the government reduced interest rates but they would not budge. 
I called recently regarding the XXXX, XXXX amount I satisfied on the loan yet still owe close to the original amount. 
I did not get an answer other than I went on forbearance and accrued interest. 
It does not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Army and Air Force Exchange Service
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Military Star has reported with negative remarks of 7 missed payments and current deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30/60/90 days reported on last reported date XXXX 2014. This account is reporting as open. THIS ACCOUNT IS CLOSED AND WAS FILED UNDER BANKRUPTCY which was discharged in XXXX 2014. I attempted to contact Military Star in regards to this matter with no resolution.. Please remove this negative information.

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