BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Shellpoint Mortgage company doesn't report my on time payments in my credit bureaus. I paid for XXXX and the payment doesn't show up on my credit report. They're delaying reporting my mortgage payments and that is hurting my credit score every month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I have been with Rushcard since XXXX, and this year as been the worst experience I have had with this company. In XXXX of XXXX I received XXXX fraudulent charges from XXXX different XXXX in GA within a minute apart. At the time of the charges I was at work in XXXX, FL. I contacted Rushcard and reported the charges. They advised me I had to fill a form and send it back and after 10 days I will receive a provisional credit. I received the credit. Fast forward to XXXX XXXX and i was charged again for the same charges, being advised that they did not find anything wrong with these charges, but they can not advise me of their finding or anything. Every time i call i am being advised of misinformation from the reps, they are not nice and do not care. They have an oh well attitude. I also received a new card and for the past 3 days I am unable to access any funds from card because the security code on the back of the card is not good. I spoke to someone on XXXX XXXX, XXXX at XXXX and they advise that they will be expediting my issue to corporate so that they can manually activate the card and it will be completed in 24 hours. i called back later that day to check the status and i was told that it was never expedited and they were doing it then and that was at XXXX. I called back on Friday and was advised that it takes 1-2 business for expedited issues and Monday was holiday so my issue will not be resolved until Tuesday or Wednesday. So now i have no access to my money, or direct deposit. I am unable to buy food for my child, put gas in my car, purchase my child 's medication or pay my cell phone bill because the people at Rushcard keep telling me sorry for the inconvenience. Currently my cellphone will be off because i have no access to pay for it and my life is going downhill because i can not pay my bills. and they are basically telling me i have to go almost a whole week with NO MONEY!!!!!! That is not fair and that is not how you treat customers. This as cause me so much stress and grief that i do not know what i am going to do and no one there seems or want to help or attempt to help or care about the fact that i have a child that i need to take care of and i only have {$2.00} dollars to my name and i am a single parent. I would not recommend this company to no one because when it comes to solving problems they are not good at it and they do not care that you have a life as well and everything as to be done with sending an email. And their phone system for some reasons always hangs up on you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed XXXX XXXX {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with XXXX to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XX/XX/XXXX. XXXX refuses to update that this account to the credit agencies. Two agencies say I owe XXXX {$320.00} and another says I owe XXXX {$770.00}. I have paid them every penny I owed them and I have disputed with all 3 credit agencies, XXXX, Equifax and XXXX. They all tell me XXXX has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. 
Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Rewards

Complaint:
My year was up therefore I decided not to renew my American Express XXXX XXXX XXXX XXXX. I called them and asked them to send my {$100.00} reward and do not renew my card. They declined to send me my reward and told me that because I choose not to renew my card I lose my reward. This is wrong. I have zero balance since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received an email to one of my personal emails from XXXX XXXX XXXX on XX/XX/22 concerning their efforts to validate my identity to open a checking account. On XX/XX/22, I receive another email to another one of my emails to do the sane but for a different banking company, Wells Fargo. I have not attempted to open any checking accounts recently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 out disputes to the credit bureaus XXXX, XXXX  and XXXX  about accounts that are reporting on my credit report that doesn't belong to me. I filed an FTC report and police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The seller agents forced me to go with their preferred lender. My preferred lender could n't so this loan as this is a non-gut condo and referred me to XXXX who are portfolio lender. The seller preferred lender is Penny mac and the loan originator pressured me to only go with them. The penny mac originator told me that they have a special deal with XXXX and only then can do the loan for this Condo. How can XXXX encourage monopoly in consumer finance market? The originator from XXXX tried his best but could n't do the loan as he was either not given or given incomplete incorrect documentation from the seller agents. Finally the seller agent told me that if i go with penny mac then i do n't need to pay any fine even though i was past the due date but the same option will not be given for my preferred lender. In the end even though my preferred lender gave me a 3.75 apr i am forced to go with penny mac for 5 % apr.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Kohl 's corporate office has called repeatedly ( up to 5 times a day, daily ), and as late as XXXX after I have asked them not to call after XXXX due to the fact that I have XXXX young children, at least XXXX is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express used to be my credit card company till unexpected happened during Covid-19 which led my card to be closed down. Before closure, I had {$1000.00} limit but then American Express was waving late fees. Fast forward to chargeoff and now my account is on {$1600.00} with interest of {$600.00} which is a lot. Ive tried to dispute to get validation but never received information or resolution about my dispute with Amex. They are making life unbearable for me by trying to charge {$600.00} from a Covid-19 survivor. It doesnt make sense at all. I would like them to be very fair with the interest as bunch of credit card companies waived alot of fees. Amex making life unbearable for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Me and my x spouse " XXXX '' separated in XX/XX/XXXX. However, he open a Wells Fargo Credit Card under his name only in XXXX. He added me as a authorize user in XXXX, that I was not aware of, nor did I ever use the card for personal use or for his business. He filed chapter XXXX in XX/XX/XXXX and Wells Fargo is holding me personally responsible and have changed all bank statements under my name, even after I asked to be removed as a authorized user, requested all credit card statements showing I didn't use the card, nor was aware I was a authorize user on the car. I have filed complaints with Wells Fargo, all three credit agencies and have a message from his Bankruptcy attorney stating I was only a authorize user and not responsible for this credit card. My credit score was in XX/XX/XXXX a XXXX and since XX/XX/XXXX its a XXXX. No one is assisting me in fixing my issue nor taking this off my credit score even though I have proof it was in his name since XXXX and he added me without my authorization in XXXX, and now all statements are in my name only

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 2022-09-16
Company: Credit Karma, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Around XXXX to XXXX, I have been seeing a lot of advertising on Credit Karma. They are sending all sorts of pre approval 's telling me that I'm pre approved for personal loans, credit cards and that I can refinance my car. All this to my email. I see these same offers every time I log in to check my credit scores. After some months have past and receiving so many offers that I was pre approved, I applied, through Credit Karma. I shared this Information with friends and family to sign up for Credit Karma to get same pre approved offers, if not better. I applied in or around XXXX and got denied for 2 credit cards and a personal loan. I was very upset and devastated. I was lied to and marketed for several months. Credit Karma told me that I was pre approved and they told me a lie! I was severely stressed and sick for weeks. Anytime I see something about pre approvals I get scared away. I no longer check my credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a collection company stating about a debt I owed for a insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

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 2020-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Bank of America charged our credit card with unauthorized and unknown amounts. They were notified and issued a new card and a credit in XXXX for XXXX. They then reapplied the charges in XXXX with no information and billed another XXXX transaction. They now call 4 times a day to the corporate office

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 2020-03-06
Company: EQUIFAX, 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:
Equifax will not remove a negative " hard inquiry '' evidently made by XXXX XXXX on my credit profile. Though Equifax has provided many excuses such as " mail the company a letter '' or " wait 15 days for a free credit report '' for not deleting this obviously inaccurate entry that is the single item on my credit report that likely did not appear there by magic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Bread Financial Holdings, Inc.
State: CA
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:
XXXX is sending me collection notices from an account that is not mine. The balance on this account is XXXX for a PayPal Credit Account that is not mine. Collection notices are coming to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted PennyMac mortgage for deed in lieu in XXXX of XXXX. My home in Alabama had been on the market since XXXX of XXXX ( now over 28 months ), I suffered job loss in XXXX of XXXX and moved to Texas for employment in XXXX of XXXX. The home is located in an economically depressed area and I have not been able to sell. 
Before I could be considered for deed in lieu I was told by PennyMac that I first had to apply for modification ( denied in XXXX of XXXX ). I was then told that I had to apply for a short sale before I could be considered for a deed in lieu. Both the deed in lieu and short sale were denied in XXXX of XXXX based upon their XXXX XXXX appraisal. However I continued my attempts to avoid foreclosure by listing the home which failed inspection by a potential buyer in XXXX XXXX which I provided to PennyMac. I subsequently obtained my own appraisal in XXXX XXXX which the PennyMac refused to consider because it was substantially lower than that obtained by PennyMac in XXXX XXXX. After another purchaser presented, PennyMac refused to consider a short sale and finally repeated their appraisal which still is considerably higher than the market will bear. 
I had contacted HUD who suggested that I undergo credit counseling which I did. Both HUD representatives and the XXXX credit counseling agency were concerned regarding my experience with PennyMac and apparently mine is not an isolated incidence. I currently have a buyer ( short sale ) however while PennyMac has finally decided to present my file to HUD, they are not being forthcoming regarding information required from me and although this information has been previously provided, I am concerned that " lack of information/compliance '' will be used as a means to terminate the short sale and proceed with foreclosure which is now scheduled for XXXX XXXX, XXXX. 
I am in disbelief that PennyMac maintains the position that foreclosure is a better financial alternative to a short sale. My credit has been significantly and adversely affected by PennyMac 's commitment to proceeding with foreclosure as the representative has also refused to intervene and place these proceedings on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: OH
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:
See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance and payment history can not be validated. Note lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. It should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2016-06-29
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The service was provided by XXXX XXXX, and paid in full at location. Now the account was sold or transfer to Gulf Coast Collection Bureau and reported to the credit bureau XXXX as an Open Collection for {$310.00}. Affecting negatively and unfairly my credit history and subsequently my credit score. I called XXXX XXXX at their billing department, and she confirmed the account was paid in full, therefore there is no reason for them to send my account to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Hi, This company Portfolio Recovery continues to report to all 3 credit bureaus that I owe a debt that does not belong to me.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They continue to send me letters stating that they verified these debts as being accurate and that again is not correct. I have asked Portfolio Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they continue to send me letters stating they received electronic files from the company 's of these debts that they have bought. again they have sent me a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Again Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with Portfolio Recovery 1. ) {$1800.00}, shows opened on XX/XX/XXXX, 2. ) {$2100.00} opened on XX/XX/XXXX. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX County that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately. I have sent this information before, the FTC did not show all three of these accounts on the documents that were sent prior, I have went back and had them send me a updated file so that this company can see all of the accounts that are fraudulent with your company, you have agreed to remove one, but these 2 still remain. Again you claim you verified all this information is me and that is my SSN that was provided when an account was opened, this information is fraudulent, I am working with Law enforcement, and the Federal Trade commission to clear these things which show under my name because I am a Identity theft victim and I want these items removed immediately. Attached your will find my Federal Trade Commission report # XXXX and again my case number filed with the Police Department under Identity Theft is XXXX

Company response to consumer: Closed with non-monetary relief