BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My finance company ( PennyMac finance has taken money from my account and made second payments for several months last year. I have tried to work with them, but no luck. They also made insurance payments to XXXX insurance companies even after I notified them XXXX was canceled. The money that was returned from the canceled insurance company was not put back in the Escrow account, but was used to make extra monthly payments on my loan. I was also charged a late fee although I have Bill Pay and mu mortgage payment is sent to PennyMac on the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed information with XXXX I have mailed information like they told me to do so that I can have this fraudulent information off of my credit. At the end of their investigation they said it was verified! I tried going directly through the collection agencies and they told me that if its fraud or the wrong person and to call the original company, but then when I contact the main company I 'm told to dispute it and then talk to the collection agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Bank of China USA
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have a savings account denominated in XXXX at Bank of China. They charge above market rates ( almost 1 %! ) to convert from USD to CNY and vice versa, and I already paid that premium to get in. Now I would like to get out, but I do not want to pay their excessive bid-ask spread. Since they are not willing to give the fair market rate, I would like to move my money to a broker ( e.g. Interactive Brokers ), where I can trade at the fair market rate. 

I thought of XXXX solutions : 1 ) They let me wire my XXXX there, or 2 ) They let we withdraw it as cash/check so I can deposit it there. However, the branch employees tell me I need to convert to USD first before wiring, and that the physical withdrawal limit is very small per day ( it would take me half a year to withdraw my savings ). Basically, they want to force me to pay their excessive spread on the currency rate. 

It does not seem legal to me to prevent me from transferring/withdrawing my own money how I see fit. I understand money laundering concerns, but they can do as much background check on me as they like, and see that I am clean. It seems to me I should be able to withdraw my money in any form and quantity I want. Thanks.

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 2016-11-21
Company: DriveTime
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have contacted Drivetime ( as it shows on my credit report ) and was told this is now XXXX. I contacted XXXX about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification

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 2017-01-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PennyMac, the mortgage company that services me refuses to report my payment history to the Credit Bureaus XXXX, XXXX etc.. 
my loan number is XXXX the address is XXXX XXXX my name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: ACS Education Services
State: TX
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:
I graduated in XX/XX/XXXX with XXXX degree. Began paying on loans 6 months later when into repayment status. Entered school again in XX/XX/XXXX or XX/XX/XXXX..XXXX loans into deferment. Obtain more loans for XXXX school. Graduated in XX/XX/XXXX. Started repaying loans in XX/XX/XXXX. Have been in repayment status since then. Now it is XX/XX/XXXX. All of my loans still have basically the same principal balance if not more than started. I noticed this when my loans were sold from ACS education to XXXX. The loans were also listed in forbearance status and were not listed as repayment status until XX/XX/XXXX - which is incorrect! I have paid the whole time and never requested forbearance. I contacted ombudsman. Initial person could not get a response from ACS. My account was transferred to another person and they quickly closed the case and said the info on studentaid.gov was incorrect. I think my payments were incorrectly applied to my loan accounts. How can I have paid for over 10 years on a XXXX loan and now owe over XXXX?? Someone please please help me! 
AND my name is spelled incorrectly on the studentaid.gov. I 'm not even sure these are my correct loans or what has happened. All I know is after paying on loans for 12 years the principle should be lower then the dispersed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Alarm was installed XX/XX/2014 by XXXX. I was told that I could set my alarm from my smartphone, which is a Windows phone, however, after the installer was in my home past XXXX, trying to get the systems to work, I was very tired and noticed a few days later, that scratches were on my counter drawers. In addition, I was not able to set my alarm from my smartphone. I was told by the representative after calling, that the system would only work on an IPhone ( 3 days past of being able to refuse the service ). Moreover, the agreement was to take XXXX payments of {$33.00} ( XXXX & XXXX ) and start taking regular payments starting XXXX ( {$44.00} ). XXXX took out more than what was authorized by me. I initially made an {$81.00} ( check ) down payment that was part of the XXXX {$33.00} payments. XXXX withdrew several payments more than what was authorized. I spoke with XXXX in reference to this incident of the extra ACH ( s ) taken from my bank account. Those withdrawals were never refunded. I am being charged for the equipment, which I requested XXXX to uninstall and I am being charged for three years of service. Mind that the system was installed XXXX 2014. Moreover, after speaking to a XXXX rep in reference to ending the service, he inquired as to why. I stated that XXXX had not ethically represented their portion of the contract. They took more funds than what they were authorized and damaged my counters and the monitoring stopped. Because the system was not being monitored, my garage door came opened on several occasions ( system connected to my garage door ), causing items to be stolen, which I did not notice until I had to use something that was stored in my garage ( XXXX ft. ladder, bar stools ( XXXX ), and XXXX XXXX products and other small items. I am a widowed part-time employee and senior citizen and can not afford to pay for products that do not operate properly. Moreover, XXXX took funds that were not authorized, which is unethical. 
I do not have access on my computer to forward documents, however, I can forward copies of paper documents and I can forward an email of the conversation that took place on the initial day/date that the XXXX representative came to my home.

Company response to consumer: Closed
Consumer complaint received 2016-03-16
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continuous calls. Say searching for me. will contact family employers friends etc.to full extent of law. Do not identify debt. No paperwork or notification within 5 days. Of first call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Collection Consultants of California
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
COLLECTION CONSULTANTS OF CALI have reported a medical bill from XXXX Hospital on my credit report that does not belong to me. This is a bill that my wife had obtained prior to our marriage, and even prior to me knowing who she was. Collection Consultants of Cali have now reported it to XXXX and XXXX as a joint account. This is not a joint account. I never signed as a cosigner or have ever even step foot in that hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XX/XX/XXXX I lost my job and started applying for a HAMP modification with Wells Fargo. After months and months of supplying them with documentation I was told that I was not approved for a modification. As of recently I had seen that people were complaining about their applications being denied when they should have been approved and decided to research my HAMP application again from XX/XX/XXXX. Wells Fargo again told me I was denied a modification and that XXXX XXXX had denied me. Since I was not getting any answers working with Wells Fargo I decided to follow up with XXXX XXXX to find out why my modification was denied. Much to my surprise I was told that my applicatoin was actually approved for a modification to 4.625 % XX/XX/XXXX for 40 years and my new payment would have been {$1100.00} a month. They cancelled this modification base on an email from Wells Fargo XX/XX/XXXX instructing them to cancel this. When I brought this to the attention of Wells Fargo they stated that they did not tell me abou the modification because I was making my payments and therefore I could afford my mortgage so I was not entitled to a modification. My belief is that this goes against all principles of HAMP. Was n't the program put in place to make the mortgage payments more affordable? Why did Wells Fargo have the authority so hide my approval for a modification from me when this would have helped me out financailly. I was forced to refinance on my own and it cost me a great deal of money which I would not have had to spend if Wells Fargo informed me I was actually approved by XXXX XXXX for a modification. Also, if XXXX XXXX owns my mortgage and is the enforcer for Hamp how does Wells Fargo have the right to just decide to override what they say and not communicate with me their findings. In speaking with XXXX XXXX 's escalation team the also sent a complaint to Wells Fargo but Wells Fargo only states that I was making payments so they did not offer me the modification. How many others has Wells Fargo possibly affected by not disclosing to the customers that they were acatually approved for a modification. Wells Fargo continued to hide this from me even when I asked for reviews of my file. If they felt like they were justified in not offering me the modifcation why did they never communicate to me that I was approved by XXXX XXXX? Why did I have to dig this information up on my own. I truly feel like they know they did something wrong by not following the guidance of XXXX XXXX and offering me the modification but they do not want to adm it it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Advance America, Cash Advance Centers, Inc.
State: MO
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
On XXXX/XXXX/15 I noticed an unauthorized deposit in my checking account in the amount of {$800.00} from Kickstand Lending. I never heard of Kickstand lending, I have not applied for a payday loan, I did not sign any loan documents either with a wet signature or electronic signature and I certainly did n't give them authorization to access my checking account. My bank is disputing the deposit at this time. I also just checked my credit report and a company by the name of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX requested my credit history on XXXX/XXXX/2015 on behalf of Kickstand Lending. I did n't authorize this either. I googled Kickstand Lending and found an email address for them ... wrote them about the situation and they said the loan was requested on XXXX/XXXX/2015 from an IP address of XXXX ... when I traced this address, it 's in XXXX ... I 'm in XXXX and have n't traveled anywhere outside the region in the last five years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: LD Holdings Group, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ON XXXX XXXX2017 I SENT iMORTGAGE ( LOANDEPOT ) ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX ) XXXX 'S PAYMENT WITH ADDITIONAL MONIES INCLUDED IN THE PAYMENT CHECK, IN THE AMOUNT OF {$12000.00}, TO BE APPLIED TO PRINCIPAL ONLY. THIS OPTION WAS OFFERED TO ME ON THE PAYMENT COUPON, WHICH I FILLED IN. THIS WOULD HAVE BROUGHT MY LOAN PRINCIPAL TO XXXX ( {$0.00} ) THE CHECK CLEARED MY BANK ON XXXX XXXX, 2017. 
ON XXXX XXXX, I RECEIVE A PAYMENT STATEMENT FOR XXXX, WITH A PRINCIPAL BALANCE OF {$12000.00}. THE {$12000.00} I SENT THEM HAS BEEN DESIGNATED AS PARTIAL/UNAPPLIED PAYMENT. AND THEY CONTINUE TO CHARGE ME INTEREST EVEN THOUGH THEY HAVE THE FUNDS TO BRING MY BALANCE TO XXXX. 
I CALLED XXXX XXXX XXXX XXXX AND SPOKE TO XXXX XXXX, DURING THE CONVERSATION I WAS INFORMED THAT THE COMPANY COULD NOT ACCEPT PERSONAL FUNDS FOR PAYOFF ; IT HAD TO BE CERTIFIED CHECK OR BANK WIRE, OR THOSE TYPES OF PAYMENT. HE ALSO SAID I HAVE NOT REQUESTED A PAYOFF, WHICH IS DIFFERENT THAN THE BALANCE DUE ( {$12000.00} BY XXXX/XXXX/17 ). FAIR ENOUGH. 
I TOLD XXXX THAT WITH THE {$12000.00} ADDITIONAL PRINCIPAL BRINGING MY BALANCE TO XXXX, I EXPECTED THE COMPANY WOULD CONTACT ME WITH INSTRUCTIONS ON HOW TO CLOSE THE ACCOUNT, BUT THE ONLY COMMUNICATION I RECEIVED WAS ANOTHER PAYMENT COUPON FOR XXXX. 
HE ASSURED ME THAT THEY WOULD REFUND MY {$12000.00} { HOPEFULLY BY XXXX/XXXX/17 } AND HE IS SENDING INSTRUCTIONS ON HOW TO PAYOFF MY LOAN, INCULDING A PAYOFF AMOUNT GOOD UNTIL XXXX/XXXX/17. 
SO MY QUESTIONS ARE THESE ( A ) HOW CAN THEY CASH MY CHECK AND REFUSE TO TAKE MY ADDITIONAL PRINCIPAL PAYMENT AND ( B ) SINCE THEY HAVE MY FUNDS TO BRING MY BALANCE TO XXXX CAN THEY JUST SAY NO, AND CONTINUE TO CHARGE ME INTEREST?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My equity line from XXXX XXXX ending in XXXX was reported XXXX X late when it was paid and posted within XXXX days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " XXXX to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be XXXX days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX of 2016, I discovered Equifax and XXXX re-inserted a previously deleted negative account XXXX back on to my credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I am demanding that they delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
equifax say that the items was verified but refused to answer the question for my method of verification, who did they speak with, the phone number they called and it took more than 30 days for my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a negative report that I have a collections open. This was for a never received bill from XXXX which I did not get because I moved and it was not forwarded to me by the landlord from XXXX. It went to collections. I paid this immediately when I was informed over 5 years ago. I want this removed. It has been so long I have no record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX sent me to collections with the company XXXX. I disputed this because I had already paid and settled this balance with the original company, XXXX XXXX. The first dispute of # XXXX was completed and I was told I must still pay. I filed a second dispute # XXXX. On the of filing the second dispute, I had also called collector, XXXX to find out what had happened. They stated that they had sent this to Equifax as " deleted. '' Today, I checked on the status of my second dispute online and it showed a date of completion of XXXX but with no status or no results, nor did I receive a letter from equifax saying my investigation was complete. So then I called equifax and spoke with XXXX. XXXX and I contacted XXXX and spoke with XXXX XXXX at XXXX. XXXX informed us that this was deleted from my record on XXXX but will take 5-45 days to reflect that. I 'm filing a complaint my because this is not a reasonable amount of time and adversely affects me on something I paid at least a year ago. I 'm also writing to make sure this really gets removed from my credit report. In the digital age, this should n't take so long. Something needs to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
# XXXXRise CreditXXXX XXXX XXXX XXXX, TX XXXX My name is XXXX XXXX and I need help in dealing with Rise Credit. I am a single mother who is living 138 % below the poverty level. I have had my share of credit problems and have owed more than I make for quite some time. 
I was misled by Rise Credit to believe that they were unlike other predatory loan companies. By the time I understood what I had sighed, I had paid them thousands of dollars in interest. I have recently become temporarily unemployed and called them to ask for help during my time of financial hardship. They refused any solution and my account is headed to collections now. 
In the last sixty days I have paid over XXXX dollars in interest and the total paid is far over the amount I initially borrowed from Rise. The interest is around XXXX percent. This is robbery and all of the necessities I have for myself and my children are suffering because of it. If I were to steal from someone like Rise has stolen from me it would be considered robbery. 
How is it that they can do this? I am asking for help for not only my family, but for all of the families targeted by these predatory loans meant to target those living in poverty and struggling to live paycheck to paycheck. 
Thank you so much for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: CREDIGY USA CORP.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I settled a debt in 2012 - the agency never reported it to the credit bureau and the debt was sold again - I have paperwork to prove I paid this debt. The new agency - is threatening me and asking when I 'll be home. I tried to call them today to send them the paperwork and they refused to talk to me. I have disputed the amount with the XXXX today. I want this to stop - I paid the dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX Group XXXXXXXXThey started calling me a couple of years ago claim that I owe them money but refuse to send me proof. Keep asking for my personal info so they can verify who I am. Told them if they wanted to verify who I was to send anything they had to say to me plus proof of claim/debt to me in the mail and if I got it and it was mine I would verify. They refuse. 
Some of the original calls said they were calling about an investment issue. I do n't have investments so I hung up on them. 
Still call constantly, blocked numbers, unknown names, cell phones. I have blocked them on all my phones. I think they are just a big bunch of scam artists.

Company response to consumer: Closed
Consumer complaint received 2015-08-20
Company: Atlanticus Services Corporation
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls from fortiva financial before XXXX and after XXXX. Atleast XXXX phone calls per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed