BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pennymac is my mortgage service provider who continues to mis-allocate my payments. 
Every month I make extra payment over required amount and I have asked Pennymac to apply the extra payment for " Principal Reduction '' Yet Pennymac continues to apply it to next payment and then put remaining into " Interest Free '' Reserve ( similar to escrow called suspense acct ).

I have called Pennymac every month for last three month asking to ensure that my extra payments are allocated to princpal reduction but company continues to ignore my requests and continues to put extra payments into pseudo escrow account and continues to charge me excess interest on my outstanding principal. This is clearly meant for them to collect more interest income while stopping consumer from pre-paying their mortgage.

What is astonishing is that Pennymac 's partial payment policy states that excess payment will be allocated as per consumer request. This policy is printed at the bottom of second page of the attached statement. Yet they aren't following it despite repeated requests

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is reporting to the XXXX major credit bureaus incorrect and very damaging mis-information. 
We have given them the opportunity to correct their error but we were only met with a standard form letter stating they are correct. We even sent proof from our online account pay history ( which will be included ). 

Specifically, they are reporting to the XXXX big Credit Reporting Agencies that our Mortgage was 180 days late for 7 months, which is absolutely false. From XXXX XXXX until XXXX XXXX they would not accept any regular payments from us. Our mortgage is a VA backed mortgage and during this entire timeframe we were in a " modification '' stage with Ocwen. In this timeframe they sent us several incorrect items of paperwork with little to no instructions. We had these paperwork items signed and notarized each time ( 3 times with about XXXX separating their reponse each time ). It is very clear to us, or anyone that can see the communications between us, that they were intentionally stalling the modification process in order to rack up fees and charges for themselves as well as to apparently ruin our personal credit. 

Ocwen is NOT out to help anyone but themselves! The actions by this company are seriously criminal and should be followed up on in a serious manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: BSI Financial Holdings, Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bsi Financial has reported my account as late and no data when the law requires them to report my account as current. They refuse to update the credit report for me and say they are not obligated too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22 there was a new capitol one account opened in my name. I only have one card ND it's a capital one quicksilver card. I really want this looked Into please as this is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I placed an order with XXXX ( Phone XXXX ) for furniture ( fireplace and china cabinet ) with my Chase Bank account XXXX, Check # XXXX. The furniture was not delivered and the check was not cashed by the authorized party. I contacted Chase Bank and reported the fraudulent check, and they were only concerned about who wrote the check. However, they refused to address the issue about the unauthorized party cashing the check which is also fraud. Chase has no record of who cashed the check, has been completely negligent, and refusing to cooperate. Chase refused to reverse the transaction despite my complaints and refund my money in the amount of {$2800.00}. The check was not written to the correct party, and was not cashed by the correct party. This is double fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: Bliksum, LLC
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The company sends out reminder emails staring my payment is on a specific day but the payment is taken prior to the date mentioned in the reminder email. This causes payments to bounce and overdraft fees in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( XXXX, transunion, and XXXX ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report. 
This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

XXXX. XXXX XXXX XXXX XXXX reporting a past due on a collection. I read this is A violation of thr FCRA. 

XXXX. XXXX XXXX TransUnion and XXXX are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting? 

XXXX. XXXX XXXX XXXX XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages XXXX. XXXX XXXX XXXX XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and XXXX is reporting activity after this account was Closed.

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 2022-04-16
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Under federal rules, a lender can collect enough escrow funds to cover your annual bills, plus two monthly payments, plus {$50.00}.

My total disbursements were {$6600.00} the total in my escrow was {$11000.00} that is 69 % higher then needed.

Average payment is {$510.00} x 12 = {$6100.00} Plus tow additional payments {$510.00} x 2 = {$1000.00} Plus {$50.00} Total should be {$7200.00} They are exceeding the allowed Federal amount by 55 % or {$4000.00} Even in the attached scan I submitted they state the lowest monthly escrow balance should not exceed {$1000.00} but the actual lowest I ever got was {$1000.00} I called my escrow company and explained the situation, they said there is no one I could discuss with it directly but they would file a report and if approved the would reduce the next escrow payment and if I did not see a reduction then my request is rejected and I would receive no call back or notice.

I received waited two statements and not only did they not reduce the amount they increase it again.

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 2022-04-16
Company: Experian Information Solutions Inc.
State: TX
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, Account # XXXX, Account # XXXX, Account # 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 2016-08-16
Company: Echelon Financial, Inc.
State: MA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
The company XXXX use my credit card for XXXX for 3 months and have all my information I never give them my information or buy their services. I cal them 2 times to explains what was happened and they say that the XXXX will go back to my credit card and all my information will be delete from that company I never received the money back to my account and also start to received a lots of calls and email offering loan and other credit card all this email have my information I never give to any of this companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received letter dated XX/XX/22 from Truist Bank that our mortgage will no longer be automatically paid/withdrawn from our bank account. The date is the same day the mortgage was due to be paid. So the mortgage was not paid in XXXX as expected. Received no advance notice from Truist. Their merger has been a nightmare for customers of BB & T and SunTrust. Heard nothing but negative from people I know. 

I will be contacting Truist on Monday, but want to submit a formal complaint. Thank you.

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 2016-12-08
Company: Servis One, Inc., Titusville, PA Branch
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan account with BSI Financial. My account includes escrow for taxes and insurance. I have contacted them at least 10 times by both email and phone since XXXX trying to get them to pay the county taxes that were due in XXXX. They have yet to act, and I have no where else to turn since they will not pay the bills. I tried to cancel my escrow so I can pay the bills myself, but they denied the request since my loan is less than two years old. I need assistance getting my tax bills paid, in which there is more than sufficient funds in escrow to cover. 

Account number is XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: Servis One, Inc., Titusville, PA Branch
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Current mortgage servicer took over my account mid XX/XX/XXXX. Made the XXXX XXXX payment and it was returned to me along with a letter stating they could not accept my payment because the previous servicer gave them records indicationg I had made no payments for seven months and my account was in foreclosure status. I provided documentation showing the payments were made and I was not in arrears. I have also provided documentation that my bankruptcy was discharged in XX/XX/XXXX and all payments due the mortgage company were paid by the trustee of the court. I have sent them every piece of evidence indicating payments have been made and no monthly payments were missed. Their response is that they are waiting for the previous mortgage servicer to provide them with information as to where these payments were applied. In the meantime, this whole issue hangs over my head with no resolution in sight. They have not accepted a payment from me for 5 months. I am making sure that money is kept available so I can send them what I owe them if and when the time comes. The stress is tremendous and I do n't understand why this matter is not yet resolved. I went through 5 years of a chapter XXXX bankruptcy and am trying to restore order to my financial future. These mortgage servicers are not doing enough to resolve this issue. Is there nothing that can be done to force them to get this matter straightened out. Do they have the right to just do as they please. What if I wanted to sell my house. I ca n't because of their screw ups. I need help badly as I am at my wits end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection Agency has not verified debt and has reported derogatory information to multiple credit agencies. I 've contacted Collection agency to provide proof of debt, rather than provide proof of debt in timely matter State Collections reported collection to an additional credit agency. State Collections also failed to contact me regarding collection and I found out through checking my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
Dear Sir/Madam, In XX/XX/XXXX, Costco terminated their relationship with XXXX XXXX and required use of a Visa credit card. Citi offered a New Costco Anywhere Visa Card and with it advertised rewards which included 0 % Intro APR on Purchases for 7 months. I signed up for the card but noticed that Citi applied late interest in month 4 which I refused to pay, so the interest charges continued for 3 additional months despite paying off the balance of my merchant charges. I sent Citi several letters detailing the interest error, but they replied the charges were correct. Ultimately, I stopped using the credit card and Citi then charged me a {$25.00} late fee for not paying the late interest. During this dispute, Citi sent me a notice expressing thanks for being a great customer and lowered my APR for new and existing purchases on my Costco Anywhere Business Visa account through XX/XX/XXXX. In other words, Citi twice offered me 0 % interest, yet they charged interest. Also, nowhere in the Citi card brochure or on the Costco Citi Card web site does it discuss a late fee in addition to late interest. 

Citi clearly waived any interest from the start of my new credit card account until XX/XX/XXXX, yet they charged interest and continued to charge me even after I paid off the principle. Once I discontinued using the card they then charged an undisclosed late fee on the late interest. Their non-transparent, deceptive and disingenuous business practice is abusive, intimidating and unfair. I spoke with a Citi representative ( XXXX ) on XX/XX/XXXX who told me I misunderstood the notices discussing the 0 % interest offers and apologized for my misunderstanding of the unambiguous Citi notices as if I were an idiot. She then went on to tell me my account was put into collection for non-payment of the late interest, which should never have been charged, and a late fee on the late interest which is even more ridiculous. Credit card companies should not be allowed to defraud the public, and I respectfully request that you investigate Citi 's offensive actions. Thank you.

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 2016-01-10
Company: A.R.M. Solutions, 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 received numerous letters from A.R.M Solutions INC stating that I owe {$9.00} for a delinquent account from The XXXX. I entered into an agreement to receive limited issues of XXXX in 2014 ( estimated ) through a XXXX door to door donation special. Through my donation I was set to receive a specific number of issues of the XXXX. I did not sign up for or agree to receive any additional issues or extend my subscription. However, according to them and A.R.M. Solutions I owe {$9.00}. I believe this is an illegal process on the part of XXXX. Forcing me into purchasing additional subscription, without my permission or expressed willingness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I was having a XXXX. My Sister drove me to XXXX XXXX XXXX XXXX. The nurse came in and she took my information, and then came back to hook me up to an XXXX XXXX. I told her NOT TO because I can not afford it. The nurse laughed, and AGAIN I said DO NOT hook me up to the machine. This is an XXXX XXXX, I have had these before. I just need medication refills, and because I just moved here from XXXX, I do not have a Doctor here yet. The nurse told me she WOULD NOT put the XXXX on my chart, so I do n't have to worry about being charged. ( Not only do I have a witness to this, but I also recorded this appointment on my phone. ) Since this appointment I have been getting " debt collector automated phone calls '' at my parents home. I received a letter in the mail stating that if I wanted to " appeal '' and disagreed I would need to do it in writing. I DID. I also sent that via certified return receipt. ( which I have ) yet the phone calls are STILL continuing. 

I DO NOT OWE this bill, and I am NOT going to pay this bill. 
I paid my {$35.00} co-pay at the time of the visit. I was assured over and over again that the XXXX would NOT be billed, my insurance paid them {$140.00}. XXXX XXXX XXXX XXXX billed a total of {$300.00}. They claim I owe them another {$130.00}. 

PMAB LLC. is a harassing entity with many complaints on the XXXX XXXX site. I have responded in writing to them, and I have even told them my story with XXXX XXXX XXXX XXXX. I HAVE THE NURSE ON TAPE, A WITNESS, and I can identify the nurse who said the XXXX would NOT be billed ( it was routine?? ). 

I am Social Security XXXX, and I have a VERY limited income. This is why I told the nurse NOT TO HOOK ME UP to the machine. 

I ALWAYS pay my bills. But I DO NOT owe this one. 
( XX/XX/XXXX was when I sent my dispute to PMAB. ) I have ALL receipts, I have the Recording, I have all paperwork. 

I want this OFF of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: Incomm Holdings Inc.
State: MA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
{$45.00} of my {$50.00}, XXXX Gift Card, was stolen from my gift card. I activated the gift card on or about XXXX/XXXX/2016, and on XXXX 2016, I went to XXXX supermarket, when I got to checkout it was only {$5.00} left on the gift card. I reported that to XXXX Gift Card Co. They said that they would investigate it they reported to me that the money went to XXXX. And it would take 45 day to resolve this, and at the end of XXXX or beginning of XXXX, I called them they said that I needed to wait until the XXXX. Of XXXX for them to finish their investigation. On XXXX XXXX. 2016, I called again, and I was told that it takes 60 days to investigate so I was two days to early and to call back on the XXXX XXXX. On XXXX XXXX. I call back and was hung up on twice, on the 3rd. call I needed to give them more time. The on Monday I called The Massachusetts XXXX who put me in touch with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: IL
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 # 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 2017-07-29
Company: SUNTRUST BANKS, INC.
State: GA
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:
I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.

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