BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: SANTANDER HOLDINGS USA, INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made a goodwill attempt to have this company clear up this matter. The company has record of me speaking to a representative in XXXX of XXXX and in XXXX of XXXX in order to make payment accommodations. XXXX  XXXX defines an accommodation as including an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. This company is reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. Due to the XXXX forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of COVIDs forbearance period. I have listed the late payments on my report I am requesting to be removed as I am a victim of XXXX, an XXXX XXXX military spouse and was an essential frontline worker during the XXXX pandemic. The company has failed to comply which is a direct violation of FAIR CREDIT REPORTING ACT section XXXX, XXXX XXXX XXXX ; XXXX CFR part XXXX subpart XXXX : Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and XXXX XXXX To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider all of the trade line information they furnish that reflects a consumers status as current or delinquent. For example, information a furnisher provides about an accounts payment status, scheduled monthly payment, and the amount past due may all need to be updated to accurately reflect that a consumers account is current consistent with the CARES Act. Furnishers are encouraged to ensure they understand the data fields that the consumer reporting agencies to whom they report utilize and which standard data reporting formats may apply. 
The company has previously added a special comment code to this account in relation to these payments, however the consumer financial protection bureau has clarified the following : Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act-required information and therefore furnishing such a comment code is not a substitute for complying with these requirements. 
I made a final goodwill attempt today, XX/XX/XXXX to resolve this directly with the company, and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Resurgent Capital Services L.P.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has sent several voicemails, and letters along with emails requesting me to pay this debt that was originally for XXXX. However this debt has already been charged off, I also sent this company a certified letter asking for them to send proof of validation and payment history within 30 days which they have not done thus far. Its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One Allowed a large purchase I did not make and allowed this purchase to go through with out informing me even though my credit limit was only {$9500.00} and will not allow the credits to be issued by XXXX XXXXXXXX to resolve this issue so I can use my credit card. 
Please see Attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Recently, I noticed that my bank had charged me an overdraft fee, even when I had the funds to cover a transaction. I looked at past bank statements and noticed that my ending daily balance was sufficient to cover certain transactions yet, the bank still charged an overdraft fee. I called the bank and was informed they can only look back 90 days and per their records, I was entitled to {$45.00} returned to my account. I asked the representative how can I have my account audited through past statements and was told I could not do that. I asked whom could I speak with about it and was told that there is nothing I can do and they can only go back 90 days. To date, they still have not returned the {$45.00} as I was informed and I 've called twice to speak to someone and am left on hold, longest was 47 minutes.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
This company is lying about not receiving my coupon that they sent me trying to collect this debt. They have placed a collection on my personal credit profile and the response is they will send me the validation when the General insurance company sends it to them I AM DEMANDING DEBT VALIDATION FROM THIS BOGUS COMPANY. I KNOW I DO NOT OWE THE GENERAL ANY MONEY WHAT SO EVER. IT IS MY RIGHT TO SEE WHERE THEY ARE GETTING THIS XXXX DEBT FROM.

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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2016-11-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This account was disputed and the company mailed me a letter stating they were going to delete the account. This account from XXXX has to be deleted immediately. See attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: CA
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:
Back in XXXX I noticed 2 accounts on my credit report that is due to fraud the accounts are XXXX XXXX and XXXX XXXX which has been a total nightmare for the last XXXX years. The accounts never belonged to me I have never resided at XXXX XXXX XXXX XXXX XXXX Ga XXXX which is address associated with the accounts. I sent in police reports, affidavits and written statements to fix this horrible case of fraud off my name. The accounts never belonged to me and I'm requesting to have them removed immediately. Being a victim of fraud is terrible however continuing to fight with these companies is worse.

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello there are accounts there I disputed that was not verified as mine nor I do u recognize them. There are four accounts from the date of XXXX XXXX, there are two account with the date of XXXX XXXX both connected to US Dept of Education. I contacted the creditor and they could not provide me with any signatures by me agreeing to any to loan therefore these items has to be removed immediately. I am not working with a third party, this is only me 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 explanation
Consumer complaint received 2015-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never used the address below and do n't know how or why it appears on my reportXXXX XXXX XXXX XXXX, TXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
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: Their investigation did not fix an error on your report

Complaint:
I filed a complaint regarding collection companies that are collecting debt I do not owe them. I did not do business nor any transactions with them. They are asking the wrong person and the accounts that they say belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: LoanCare, LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold the property on XXXX. 

The title company sent excess funds to LoanCare. 

I called Loancare on XXXX to request a refund of the overage. 

Loancare informed me that it would be at least 20 days until they could refund the overage because they had processes to complete. I asked the representative to explain what processes they needed to complete, she said, I don't know if they do anything, they just tell us to say at least 20 days. 

I'd like a refund of the excess charge of {$110.00} Property Address : XXXX XXXX XXXX XXXX XXXX MT XXXX Loan Number : XXXX 2.750 % Interest Rate {$0.00} Current Balance {$260000.00} Original Loan Amount XXXX/XXXXXXXX Maturity Date

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 2016-04-18
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I pulled my credit report on XXXX XXXX, 2016 and found a collection listed on XXXX XXXX, 2016 from Credit Management LP. I have had no prior contact with Credit Management LP and have no agreement nor contract with them. The contacted XXXX separate third parties concerning this alleged account illegally. 

Credit Management LP never sent a notice to me that they were attempting collect a debt, instead they just reported this unvalidated debt to all XXXX credit bureaus and in doing so violated the Fair Debt Collecgtion Practices Act 15 USC 1692g Sec 809. This law provides me the right to dispute their claim and prevents them from reporting their untruthful claim to credit bureaus if I dispute it. The violated my rights and the law by not notifying me of the alleged collection account, then again by contacting a 3rd party about it. 

I sent a Notice of Pending Litigation letter seeking relief and monetary damages to them on XXXX XXXX, 2016.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was fraudulently charged twice for a transaction in the amount of {$220.00} on XXXX. I tried calling the merchant and dealing with the bank but I keep getting the run around no one is willing to help me. I have been a loyal customer to Wells Fargo for 20 years and I would expect better customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage though PennyMac and have had XXXX instances of them obtaining insurance on my behalf which was inappropriate. 

In the XXXX case, I was notified by PennyMac that I was no longer required to hold Flood Insurance as FEMA had reclassified my location. I returned their form letter in XXXX of XXXX requesting that they not pay that insurance when it renewed. In XXXX of XXXX, PennyMac paid the renewal in spite of my written direction. After more than XXXX calls to their insurance and escrow departments, I gave up - not having received any money back. 

In the XXXX case, PennyMac had renewed my home owners insurance through XXXX XXXX in XXXX XXXX and for reasons that I have not been able to determine paid for a second home owners from a company called XXXX XXXX in XXXX of XXXX. I believe that they were scammed by someone posing as a XXXX XXXX employee, as XXXX XXXX denies having anything in my name and does not do business in XXXX. Once again, I have been completely unable to get PennyMac to re-imburse me for the missing funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage debt collector, PennyMac, recently sent me my Escrow account projection report for 2016. PennyMac had added another column of " Required Escrow Account Balance '' numbers which reflected another {$650.00} over and above the required and lawful planned event that has taken place in the past. When the homeowner reads the projection, you feel that you are now required to start doing this ...., and you do n't! The Escrow has already been planned properly for the upcoming taxes and insurance and is buffered correctly for a XXXX balance XX/XX/2016. I can see that a homeowner would feel pressured and obligated to start paying this exorbinate amount and/or posssibly NOT be able to pay the increase and lose their home because of their ignorance of the actual requirements. I contacted PennyMac about this and after a 10 min conversation, they graciously " waived '' the required column on the projection sheet. Only, I feel because I called and noted the already proper Escrow that was in place. This is a dangerous practice by the debt collector PennyMac and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It is a rental scam based on XXXX through my Chase bank account. I was looking for a short term sublease. And I am interested in this scam person 's post on XXXX XXXX. He told me I could not see the room in person because there was a tenant living there. And he sent me a video. And then he sent me an agreement through email. I 1st signed the agreement and then I sent those money separately through XXXX linked inside my Chase XXXX from my checking account.He asked me to send money twice, one is happened on XX/XX/XXXX for deposit {$1000.00}. Another one is happened on XX/XX/XXXX for one month rent+ cleaning fee which is {$1500.00}. I asked him whether I can send him the deposit 1st, he said no. Today is supposed to be the date for my move-in date. and it turns out the unit he tried to rent me is already rented, and he is also not the owner of that unit after talking with the apartment. So this is an entirely a scam. but both XXXX and Chase seems very unlikely to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan is serviced by ACS. XXXX will make three years in a row they have determined my income based repayment plan amount incorrectly. I am married filling jointly for my tax returns and my spouse has federal student loans. My spouse 's loans should be considered when determining my repayment amount for the year. ACS refuses to include my spouses loans in their initial determination. I have included my wife 's information on the IBR annual recalculation request. I have approved ACS to access her loan 's on the NSLDS website. But the initial recalculation is still incorrect. So I have had to resubmit the exact same application that I submitted initially. ACS will then do their job correctly and include my wife 's loan amount in their calculations. In XXXX an ACS agent # XXXX told me to pay my XXXX payment of {$43.00} for XXXX until ACS could correctly determine my loan payment for XXXX. In XXXX I receive an invoice for my new loan payment of {$62.00} plus a late payment fee of {$150.00}. ACS is threatening to add negative information to my credit report if I do n't pay the late fee. The only reason they received an insufficient payment is because of their own ineptitude. Is there anyway to switch loan providers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: SYNCHRONY FINANCIAL
State: NM
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 FCRA. this creditor has violated my rights under XXXX XXXX XXXX, Sec XXXX, states I have the right to privacy, XXXX XXXX XXXX, Sec XXXX ( a ), Section XXXX, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under XXXX XXXX XXXX ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose. 
XXXX XXXX BILLING ERROR XXXX BALANCE INCORRECT : ACCOUNT WAS NEVER LATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: PulteGroup, Inc.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During the application process and choosing a new home, Pulte failed to estimate taxes correctly in the Good Faith Estimate before closing and disclose the area had a special public improvement tax on top of that. The estimate we received in the GFE was in the {$200.00} range per month, and our actual as of XXXX XXXX after assessed will be {$600.00} per month. As XXXX, we would have never qualified for the loan on a $ XXXX month payment. We anticipated with our GFE, going into closing we would be at {$1500.00} per month. Our escrow estimate was completely off and we can not afford our home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this dept

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 2020-01-20
Company: Finance System of Green Bay, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I self XX/XX/XXXX myself and labeled myself as something that I'm not due to reason of XXXX  XXXX I was XX/XX/XXXX in the XXXX XXXX Jail and released on a signature XXXX then I had four years of XXXX  the last three months were served back in the XXXX XXXX XXXX and ever since XXXX I have had no criminal or legal troubles I've changed my life around and now I am attempting to sue the finance systems of Green Bay InXXXX and XXXX XXXX XXXX for the {$3000.00} bill they charged me for room board when I shouldn't have been there in the first place in the kitchen that I am also appealing the expungement and I are through Wisconsin court of appeals and also applying for a governor 's pardon because this history not only is wrong the charge and conviction are wrong but I don't know it also is very unfair that I can't find a job today with that charge in 4 years I paid over {$3000.00} towards this jail bail and now I am financially broke and can't meet my daily living needs keep in mind that some of those payments towards that jail bill came over the Wisconsin tax intercept program but all the rest the majority of it came out of my SSI benefits in which my representative payee has just graciously been paying to get rid of it so can you help

Company response to consumer: Closed with explanation