BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Violation of the California Homeowner Bills of Rights : PennyMac violated automatic stay rule while modification in process ( Notice of default XXXX/XXXX/15 ) Notice of Sale ( XXXX/XXXX/15 ) for an auction date of XXXX/XXXX/15. During this time period, my loan was under modification review and I was told that the foreclosure was suspended. After being rejected, I submitted the paperwork for a second review within the 30 day time period. I never received status on the results of the review. I was told by one PennyMac individual it usually takes a " long time '' and then by another individual that I need to " re-submit an entire new modification package ''. 

Not assigned XXXX person throughout process ( talked with XXXX people and received different status and direction from each ) they said they were part of a team however all were unfamiliar with my loan status or able to give me proper direction. 

No access to decision makers ( and their Supervisor ) only through voice mail in which the messages were never returned. Furthermore, I never received status of XXXX-look. representatives from PennyMac were never able to reach the decision makers because they were always in " meetings '', " on the phone '' or " unavailable ''. 

Delay of entering documentation into system : The documentation would be sent through a fax cover sheet provided. They would say that it takes 48 to 72 hours to receive into the system. In the meantime, it is eating away at the 90 day time period because of the delay. I was required to proactively call as all documentation would not move to the next person unless you contacted them. 
Knowledge of California State law : When I received the Notice of Default, they were unable to discuss the time-line with me because they were " not familiar with California Law ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
the original creditor XXXX account was and is part of a chapter XXXX bankruptcy they have sold the account to another Leander for the 3rd time HILLCREST DAVIDSON AND A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CBC Companies, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I SENT THIS INFORMATION BEFORE I RECEIVED A LETTER DATED XX/XX/XXXX STATING THAT THEY NEED AN FTC WHICH WAS SENT PRIOR NOW I ALSO SPOKE TO XXXX WHO TOLD ME THERE WAS ANOTHER ACCOUNT ADDED WHICH WAS 'XXXX  ACCOUNT # XXXX THAT'S ALSO FRAUD BUT WASNT INCLUDED IN THE REPORT SENT TO ME ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FCO ( Fair Collections & Outsourcing ) Account # XXXX They sent me a letter dated XX/XX/XXXX offering to satisy for 20 % off my alleged debt of {$2300.00} of {$1800.00}. Although the XXXX is an incorrect amount. I was willing to pay this due to the urgency of needing this off of my record. I called them to pay the {$1800.00} as they offered and they told me that offer is no longer available that it ended on XX/XX/XXXX. Multiple letters were sent to my house, none of which stated there was an end date of this offer. Once I was financially able to make the paymetn of {$1800.00} I called FCO. 
Now due to this fraud I lost my apartment that I applied for and I have to be out of my current apartment in 2 weeks. Who knows if I will have a place to live now. 

Thank you, 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 2021-04-20
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I attempted to apply for a XXXX credit card but it was declined immediately. I received the letter and they said it was due to " You had a credit account recently closed by Synchrony Bank ''. They were referring to a XXXX XXXX XXXX card that was closed due to inactivity, because you know, we don't buy sofas and beds every 6 months. They closed it after I paid the balance off and was inactive for about 6 months. 

I have XXXX credit score with very good income and excellent payment history. I called their hotline but no one was able to help me. I asked to speak with an underwriter to discuss this, and I was transferred to " XXXX ''. He began telling me everything I already explained to him, and I said I wanted to discuss with an underwriter. He said they don't have underwriters, everything was system approved. 

I find that very hard to believe, and if true, then it's quite unfair. Like in my case, they're basing my denial off a store card that they closed because I didn't buy some furniture in 6 months. It's not because of bad credit or payment history. I was trying to get a promotional offer but I guess I'll just pay in cash and now have a hard inquiry added for no benefit of mine!

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 2017-05-20
Company: Experian Information Solutions Inc.
State: KS
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:
I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed. Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act. Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer. Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client. This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reportin g hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : XXXX MEDICAL XXXX Balance : 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 non-monetary relief
Consumer complaint received 2021-03-19
Company: Westlake Services, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The last payment was in XXXX  of 2014 According to Michigan law, your creditor has up to 6 years ( from the date of your last payment ) to collect on a debt. I have let the borrower Westlake financial know that I was aware of this several times yet there still willful not compliance

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 2020-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed my secured card unexpectedly this is not fair refused to give me back my security deposit after leaving no balance and everytime I login I see 4 different closed credit card accounts they wont remove them tell me it takes months and its been months and its still on my online banking

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I apply in XXXX for a refi. with amerisave mortgage co. they slow walk this until XX/XX/XXXXto till me my apps. was exp. wish was done in XXXX. But the mouth  before i was told everthing looked good and we were going to close. My acct. # XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
Company: Affirm Holdings, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Affirm extended loans to consumers for XXXX XXXX XXXX. XXXX was scamming consumers by shipping them defective products or by refusing to ship the products at all once paid through third-party-financer Affirm. Affirm failed to do its due diligence against XXXX prior to extending third-party financing to consumers. XXXX likely could not have operated this scam without Affirm. Yet, Affirm continues to collect on these debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
While deployed I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi. I was the costumer of Citi bank. 
Im trying to get a loan from XXXX XXXX, but it was not original company. They posted on my account on XXXX or XXXX of XXXX fake check. And city bank close my account in XX/XX/XXXX XXXX. I was contact to the bank around 50 times about this situation and about my money which I get from my job ( direct deposit ) they told me, wait 60 day, I wait already 6 months and nothing changed. I had XXXX on my checking account and XXXX on my saving account, now, when I contacting to the bank, they cant check any information and sending me to the branch, in branch I also did not get any help, because they told me, they need to call to the fraud department, and still did not give me any solution, just every time when I contact to the bank, they told me, wait 60 days ... its co complicated ... please, help me to get my money back ...

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 2018-06-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a large lump sum payment in ( XX/XX/2017 ) and specified in writing I wanted it applied to my balance not to future payments. This was not completed. I just learned today they misapplied my payment. The representative was rude when I asked to speak to a supervisor and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently have been working on my credit and when I got an alert from Midwest recovery for collections - I was shocked. Not only am I unable to verify any correspondence since 2012 - when they are saying the account was open but they have the incorrect address on file. I do n't understand how after 4 years this can pop up without any prior notice. I 've had the same address for over 3 years and has been updated on all my credit reports. If they were to properly provide a notice of attempt to collect a debt - they could have easily found my home address. In XXXX Carolina, by law a debt collector can not continue to attempt to collect a debt without good faith attempt to contact the individual. I have not been contacted at all. Please help in getting this off of my credit reports and have the company provide proper service proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Purchased a house in XXXX/XXXX/2014 the initial mortgage was with XXXX then sold to XXXX and then XXXX. We received a letter from XXXX that they just purchased our mortgage and that was it so we paid them every month and never a problem. Then we recd letter stating new mortgage co Penny mac never received our payment so called found out it was sold again and payments had n't got forwarded. So talked to customer service and they said to sent new payments and they would correct it and no problem they never notified me of no payment late payment no call. then I find out its on my credit report and now I cant refinance.. We were never notified till after the fact that they never got the payments we made them and have a good payment history and now because we were never notified they have damaged my credit -no call no letter to say never got payments or payments were not forwarded from XXXX ... So I corrected it on phone and made payment they said would never affect my credit because it had n't been 30 days.. But they did and I 've tried to fix it with them but they are difficult to work with. They insisted they did n't put it on our credit but its there ... We had nothing to do with this they should of notified us that mortgage was sold again..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently a collection was added to my account for {$650.00} and it isnt me I tried to tell transunion but they dont care I guess they just want to pin the bill to someone I have never had cable in XXXX so Im not sure how this is possible please help me I was barley getting my credit score to XXXX and now it was knocked down to XXXXand no matter what I do i cant get me credit score back I go to XXXX college and will need good credit to get student loans. Ive never applied for cable or have had cable or anything in my name in XXXX county.

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 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
My credit card has been replaced many times ; each time I am given a new credit card and debit card. As soon as I use my debit it gets compromised. I have had at least XXXX new cards in less 6 months -- see attached information being scanned to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2021-03-19
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: Account status incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
transunion began an investigation on XXXX bank XXXX on XXXX/XXXX/2016. 
BY FCRA REGULATION THE RESULTS OF THAT INVESTIGATION WAS TO BE COMPLETED BY XX/XX/XXXX2016.THE INVESTIGATION WAS COMPLETED ONE DAY LATER. 
TRANSUNION CAN NOT CHANGE THE LEGAL RESTRICTION OR PROTECTION AFFORDED ME BY FCRA.TRANSUNION HAS NO LEGAL CHOICE OTHER THAN TO IMMEDIATELY DELETE THIS 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 2021-03-19
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 42 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-03-19
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation