BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went into  World Finance  in  XXXX  of  XXXX  due to heavy financial need at the time. I gave the representative my information over the phone and she said she would call me back with the amount I was approved for. Abo ut two hours  later she said I was approved for  XXXX . I went into the branch to sign my documents. When we got to the insurance part I asked if this was mandatory and she said YES. I really needed the money at the time so I took the loan with every intention to pay it off early so that I would n't have to pay so much back in interest. Since my first payment in  XXXX  I would spend hours trying to figure out how the interest was calculated and how much I needed to pay each month to pay off the loan early. The numbers NEVER added up. I asked for my payoff each time I made a payment, and the figures they would give me never made sense, so I never paid the loan off early like I planned too. So in  XXXX , I called and spoke to a representative,  XXXX , who could only tell me it is what it is because that 's what I signed up for. I then spoke to another representative,  XXXX , who could not provide me any information either. I spoke to the branch  XXXX   XXXX  once who could not explain how the interest was charged either. I went into the branch  one  afternoon and sat with someone and still she still could not help. I called customer service on  XXXX   XXXX ,  XXXX  and spoke with someone who could help me a bit, but when I asked more questions she let me know she was not qualified and would pass my information to the district manager. Even though my check from the company was made payable in the amount of  XXXX , I was financed for the amount of  XXXX . I was unaware of this, so that 's why I could never figure out what went wrong. Today  XXXX   XXXX ,  XXXX  I went into the branch and sat with  XXXX  face to face. Within our meeting she said the insurance is NOT mandatory and she does n't remember who closed my loan. Not only that, she said the associates I kept speaking with when I had questions could n't help me because they do n't know themselves! When I asked who 's signature it was on my closing document she then remembered who closed the loan, and advised me that the girl is no longer working there. This company has scammed me out of some serious money with their deceptive practices and leading me to believe that insurance is mandatory and not explaining the amount I was approved for versus the amount the check was written for. I am hoping to not make the same mistakes again and only pay back what I owe, and nothing extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Synovus Bank
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained a secured credit card fro m First Progress Card i n  XXXX  of  XXXX . I kept it until  XXXX  of  XXXX . I called to close the account and the rep stated all I needed to pay is {$40.00} and I would not owe any other money and the account would be closed in good standing with no additional monies due because my security deposit would take care of the rest of the balance on the account. Now they keep billing me fees that I do n't owe. and have even gone as far reporting a charge off on my credit report. It is very difficult to reach someone on the phone with this company.     I have complained to each of the  XXXX  bureaus on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I modified my mortgage initially with    XXXX    back in  XXXX . My loan wa s sold to Ditech. After repeated complaints/contact Ditech finally applied my HAMP Year Six Pay for Performance incentiv e of {$5000.00} to my loan (  XXXX / XXXX / XXXX  ).     It is my understanding that after final incentive is applied to lo an, Ditech must offer to reamortize my loan. Ditech has refused -

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I recently applied for a home equity line of credit with PNC bank. My husband is XXXX XXXX military serving for over 18 years. I have submitted my pay stubs as well as my husbands pay stubs upon request. We both have exceptional credit over XXXX. I received a request back from the lender asking me to have my husband write a statement attesting he will be in the military for another 3 years. I feel this is discriminatory to our military because I am not being asked if I will have a job for the next 3 years because know one knows if they will retain employment at their jobs. My husband being asked to provide a letter about his military service and his plans for 3 years should not be a basis for obtaining a loan or part of the underwriting process. Military service members pay is a combination of monthly pay, housing allowance, food, and at times cost of living adjustment. To deny a service member a loan due to their future in the military is not right as that is not asked of a civilian employee. This lending practice is particularly unfair to our service members and I am complaining not only for the protection of my husbands rights but that of other men and woman in the armed forces.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: HOPE BANCORP, INC.
State: WA
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:
I refinanced my home loan with XXXX in XX/XX/2020. My loan amount was XXXX. I made my first payment to XXXX on XXXX for the month of XXXX including XXXX extra principal payment. I received a letter from XXXX dated XXXX stating my loan would be transferred to Bank of Hope by ( XXXX XXXX XXXX  ) on XXXX. I later received a letter from Bank of Hope stating that my loan would be transferred to them on XXXX but it was not dated. On XX/XX/2020 Bank of Hope reported my loan as being opened with them on XXXX with an original amount of XXXX and the amount owed on it as of XX/XX/XXXX ( and current ) is XXXX. My credit score dropped 56 points because of this. I have emailed all of my documentation to Bank of Hope showing loan was not transferred yet and my credit report showing the incorrect balance amount and after 3.5 weeks of calling them and emailing them it has still not been fixed and they still say they can't pull up my loan. I can not not make a payment on my loan because they can not find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a dispute with Experian on or around  XXXX / XXXX / XXXX  for an inaccurate bankruptcy reference #  XXXX  that was filed in  XXXX  showing on my report. On  XXXX / XXXX / XXXX  I received the results of the dispute online. The bankruptcy was " supposedly '' verified as accurate and remained on the credit report. I called Experian on  XXXX / XXXX / XXXX  and spoke to  XXXX . I asked her how the Bankruptcy had been verified and the source of verification since the information was not listed on the dispute results.  XXXX  told me that a third party vendor went to the court house in  XXXX  IL to verify the bankruptcy information. I placed  XXXX  on hold and called the bankruptcy courts (  XXXX  ) and spoke to  XXXX . I asked her if they verified any type of information on a bankruptcy for myself to a third party vendor for Experian and she stated that the Bankruptcy Courts do not verify or share information with Credit Bureaus or third party vendors for credit bureaus. I advised  XXXX  of what  XXXX  from the Bankrup tcy Courts h ad just stated.  XXXX  said she does n't know who the  XXXX  party vendor for Experian is and there is no way for her to tell me or verify whether or not t he 3rd p arty vendor actually did verify since the Courts just said that they did not verify anything. I asked to speak with  XXXX  's supervisor and was transferred to the fraud department where I spoke to a  XXXX  and she stated that Experian gets their information from  a 3rd pa rty vendor but she could not tell me the name of the vendor that verified the information. As per the FCRA a consumer has the right to know how information on their credit file was verified and also the name of the vendor that verified the information. P er Civil Action No.   XXXX   XXXX   XXXX   XXXX   XXXX  all credit bureaus must list the vendors that was used to verify information related to a consumers credit file. Experian failed to do that and because of the lack of verification the bankruptcy must be removed

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 2022-01-05
Company: CAVALRY INVESTMENTS, LLC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The Credit Bureaus are reporting inaccurate information on CAVALRY PORT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( CAVALRY PORT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update or remove from reporting. 
XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Advance America, Cash Advance Centers, Inc.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX / XXXX /  XXXX   I was called by a  XXXX   XXXX  from  XXXX   XXXX   XXXX . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time  XXXX   XXXX  was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between     XXXX   XXXX   after I have told them in the past to never call me at my job.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address dispute has been received and should be completed by XX/XX/2022. 

Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX I had on several occasions written and indicated to XXXX XXXX Equifax and XXXX to correct my address but they have refused since XXXX XXXX XXXX to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Being sued by portfolio recovery for a credit card debt over 7 years ago an to refund the payment of XXXX, if not paid will be processed as a credit card fraud or failure to pay,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX Name XXXXXXXX XXXX, Account # XXXX Name XXXX XXXX XXXX, Account # XXXX Name XXXX XXXX XXXX XXXX Account, # XXXX XXXX XXXX XXXX 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 2017-06-14
Company: American Credit Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to this urgent care due to  XXXX , I have insurance that pays for visits. I was seen by a Nurse because the doctor was seeing a patient who apparently was in a worst case scenario. Due to the diagnostic given by the nurse without taking x ray or any other precaution he determined that due to the fact that I was there before with   XXXX   he was going to diagnose me with  XXXX . I left the urgent care and called my insurance and informed them that I was not seen by a doctor but by a Nurse.     When I was billed I called the company and they agreed that the charges were going to be removed because I was not seen by a doctor, plus I had medical insurance that paid for my visit. I should not pay for a doctor that I never saw, plus the insurance will pay for any charges I have PPO. Now I see these charges in my credit report after  ( 5 )  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On  XXXX   XXXX ,   XXXX   I received a promotional offer for 24 months no interest financing on my Home Depot Credit Card. I conducted an over {$15000.00} transaction on  XXXX   XXXX  after being assured via email that I would qualify for that promotional rate.  Home Depot  has never honored that commitment. I have been in communications with them since that time and now they have stooped responding. I have tried to resolve this issue with  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  and  XXXX   XXXX  a Customer Care Resolution Expeditor. They refer me to  Citi B ank who tells me that I have to talk to  Home Depo t.

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 2021-10-28
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recognizing that I am the consumer and the original creditor, I noticed some issues with XXXX and the alleged debt. This is not my debt, and I have been violated by XXXX regarding this alleged debt in a list of ways. 

According to 15 USC 1692 b ( 1 ) of the Fair Debt Collections Practices Act, they should not have stated that I need to pay on a debt, via Credit Collection Services. This is a violation. 

According to 15 USC 1692 b ( 5 ) of the Fair Debt Collections Practices Act, they should not have used any language or symbol on any envelope orin the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This infringes on my right to privacy. This is a violation. 
According to 15 USC 1692 d ( 2 ) of the Fair Debt Collections Practices Act, they should not have executed the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Telling me to remit payment was interpreted as obscene to me. This is a violation. 
According to 15 USC 1605 ( c ) of the Truth in Lending Act, property damage and liability insurance premiums are to be included in finance charges of consumer credit transactions. This would include my auto loan for the car tied to the XXXX insurance alleged debt. It was not included, technically making my contract null and void, because fraud trumps any solemn contract. This is a violation. 
I never gave permission to Credit Collection Services ( who is acting for XXXX ) to have my information. No consent by definition is Identity Theft. 
These violations overall all have also caused distress to my life. The derogatory mark from XXXX on my credit report has negatively affected me being able to get financing, caused issues with hiring, and has brought about physical stress to my life, due to extra work and strenuous effort.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase has failed to contact me to discuss the situation at hand and the documentation I have. Through the portal, I received a " pattern letter '' response without any basis on their denial of promotional benefits. 

I am very upset and frustrated by the lack of customer focus and their willingness to support and help me. The responses are swift but lack any basis and/or due diligence on their part. 

They are not taking any responsibility for the mis-information received. 

Please review the generic response as it failed to address my core issues and how their process created detrimental reliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: TOWER MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been searching for a physician loan, and talking with a number of lenders.   XXXX   drew us in with a preapproval, but when it came to giving us a loan estimate, they refused to give it in the proper form, and quoted us rates that were significantly higher than the market, with fee estimates greater than {$10000.00} above what anyone else was quoting. It was obvious they were attempting to gouge us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
XXXX  has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with  XXXX . After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.

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