BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: Kriya Capital, LLC
State: LA
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:
CREDENCE RESOURCE MANAGEMENT, LLC with Phone # XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, is continuously trying to collect a debt from me that is for a person with the same name as I. We have gone through the process with them of verifying that I did not ever live at the address in question and last XXXX digits of my Social Security Number do not match but they continue to repeatedly call. I have checked my XXXX credit report and no debts show up in collections. As of today they have somehow got hold of my company cell phone number and have called me on again about this debt. Each time they initiate this procedure they act like it is their first attempt to collect this debt. This is not the first time this has happened, I am assuming this company purchased this old debt form another debt collection agency. I had written the prior agency to inform them the debt is not mine and to end all contact. I am assuming this will continuously happen again if I do not report this to the proper agency because this has been going on for over 3 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Servatus Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has placed a collection items on my report that do not belong to me. I have written them in efforts to inform them on multiple occasions and they are unwilling to remove the alleged account or to respond to my correspondence via certified mail. 
The alleged account :XXXX  XXXX XXXX XXXX XXXX. This account is causing harm to me and my credit file. I have sent them over 4 separate affidavits with no reply. This account does not belong to me and I request immediate removal from my credit and or the immediate issuance of {$3000.00} for punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
Synchrony Bank is reporting an inaccurate and incomplete account on my credit report. I first disputed this alleged account on XXXX XXXX, 2015 with XXXX and XXXX, the XXXX credit reporting agencies which are reporting this account on my credit report ( see attachment ). I received correspondence from XXXX and XXXX stating that the account was verified as accurate by Synchrony Bank. 

On XXXX XXXX, 2015, I disputed the completeness and accuracy of the alleged account directly with Synchrony Bank ( see attachment ). Synchrony Bank provided correspondence dated XXXX XXXX, 2015 ( I received the correspondence on XXXX XXXX, 2015 ) stating that they had reviewed their records and verified the account ( see attachment ). However, Synchrony Bank did not, and has not provided any competent or reliable evidence to prove the completeness or accuracy of this alleged account. 

I filed a complaint against Synchrony Bank with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2015. However, on XXXX XXXX, 2015, I received correspondence from the OCC referring me to the Consumer Financial Protection Bureau ( CFPB ) ( see attachment ). 

Synchrony Bank has also violated provisions of the Fair Credit Reporting Act ( FCRA ). Synchrony Bank did not and has not annotated the account as disputed. Synchrony Bank has continued reporting the disputed account without providing a notice of dispute as required by the FCRA section 623 ( a ) ( 3 ). Additionally, Synchrony Bank did not notify me that a negative listing was to be reported on my credit report as required by the FCRA section 623 ( a ) ( XXXX ) ( A ) ( i ). Furthermore, Synchrony Bank has not provided a date of first delinquency to the credit reporting agencies as required by the FCRA section 623 ( a ) ( XXXX ) ( A ). 

As per evidence presented above, Synchrony Bank is in violation of multiple provisions of the FCRA. I respectfully request that this inaccurate and incomplete tradeline be removed from my credit reports with all credit reporting agencies including, but not limited to, XXXX, XXXX, XXXX, and XXXX. I sincerely appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The problem is with Forced Place Insurance by my the mortgage servicer. 
Chronology of events : XXXX XXXX, XXXX - " Notification of Expired Coverage '' sent by sevicer. Not true. Thesame policy has been effect since XXXX. 
XXXX XXXX, XXXX - Faxed policy information. Next XXXX statement still showing a {$53.00} escrow assessment for Forced Place Insurance. 
XXXX XXXX, XXXX - Called servicer. They said they only had expired info on file and had not received the fax, that their system was about 2 weeks backlogged due to the XXXX holiday. I suggested soft copy e-mail upload and they agreed and had me upload to XXXXXXXXXXXX. This seemed odd since the domain does not match their company name. Another {$53.00} escrow assessment on the XXXX statement. 
XXXX XXXX, XXXX - Caller servicer and they said that they had received the Proof Of Insurance but they need the " Declarations '' page. Had Insurance agency fax the " Declarations page Another {$53.00} escrow assessment on the XXXX statement. 
XXXX XXXX, XXXX - Called the mortgage serviver and they said that they still had not received any current information and only had expired information on file. This agent said that the " POI '' and the " Declarations '' pages are the same thing. Advised me that they have a NEW fax number. Faxed information again. 
XXXX XXXX, XXXX - Received a notification from the servicer that the " mortgagee '' information was incorrect. Contected my insurance agent and they confirmed that the mortgagee information is correct, exactly as requested. POI sent again by my insurance agent to the NEW fax number. More re-occurring monthly charges for Forced Place Insurance. 

Essentially gave up - This is obviously a revenue enhancing ploy. Blog postings indicate that this particular mprtgage servicer could make life much worse for me, e.g. reporting incorrect information to credit bureaus, unexplained additional fees, incorrect balance calculations, etc. 

XXXX XXXX, XXXX - I have a second property with the same loan servicer. Now they are doing the same thing with the XXXX mortgage. The recent " Expired Insurance '' notification gives directions for web upload option option. Uploaded insurance information for XXXX mortgages. 
XXXX XXXX, XXXX - Filed complaint with CA XXXX oversight. Complaint # XXXX, the licencing ageny for this mortgage provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Both of my credit cards were cancelled today, without notice or warning, due to returned payments as a result of autopay. This is despite the fact that my payments are always made in full and both of the accounts are in good standing. By not providing any warning or recourse of such an event, Capital One harms consumers that may need these credit cards as a lifeline, especially in a pandemic. It is the responsibility of the bank to warn the consumer of any potential closures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I had a car along with XXXX credit the car blew up if you see any news in 2014 theres a major issue with XXXX cars I had an issue with the engine in the injectors and I return the vehicle they are now trying to destroy me seven years later and they should no longer be on my credit and it should be resolved I dont know what to do I need your help

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 2016-02-24
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This company keeps calling my residence asking to speak to XXXX XXXX. I have informed them on multiple locations that they have the wrong number and to not call my residence again. They still continue to call. I do not know a XXXX XXXX and she does not live at this residence.

Company response to consumer: Closed
Consumer complaint received 2022-10-02
Company: Grain Technology, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Since XXXX XXXX, the app has not worked for grain in order to make the payments. I have sent emails about the grain app not working and my credit being ding. There was a response if we are working on the issues. I had to file a complaint to the XXXX XXXX XXXX. After that complaint to XXXX, I finally get a response and Grain did send me a link to make a payment but that didnt work, I was able to finally get the link to work to make one payment and was told all late payment in my credit would be removed. That has not happen yet and its truly hurting my credit score. I am in the process of getting approved for a mortgage and those are the only late payments I have on my credit. I have looked in XXXX and there are hundreds of people not able to access the app to make payments, money has been withdrawn from accounts and there is not a customer service number to even speak to someone. This company is fraudulent and hurting people credit scores by not having an app that works to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: JH Portfolio Debt Equities, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested information/ VALIDATION on this alleged debt, bearing my signature and/ or any contractual agreement. To date I have yet to receive ANY communication from this company. I first found out about this alleged debt, when I pulled my credit report on XX/XX/2016. All of these acts are a violation of the FDCPA and the FCRA. Failed to validate-FCRA section 609, Reported a debt to Credit Agencies, inaccurately ( US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan ), failed to report a debt disputed as a collector-FDCPA Section 807 ( 8 ), did not validate the debt and reported it to the Credit Bureaus-FDCPA section 809 ( b ). These are just a few of the violations. I have never done any business with JH Portfolio Debt Equities, never signed a contract, nor do I owe them any money.

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 2021-01-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My Loan # XXXX This complaint is an additional to complaint filed XX/XX/XXXX and has relevant documentation of mortgage and escrow payments to PennyMac, please add and accept.

There are 3 files uploaded from my bank-XXXX XXXX XXXX XXXX, to show how much, when, and what date payment were made to PennyMac for a 16 months ( XX/XX/XXXX until XX/XX/XXXX ) until mortgage loan closing. 
My PennyMac mortgage payments were {$1100.00} from origination date ( XXXX ) until XX/XX/XXXX. However, my mortgage was reduced to {$1100.00} due to an ESCROW SURPLUS and I began making payments of {$1100.00} beginning XX/XX/XXXX. 
Payment BREAKDOWN ( $ XXXXPrincipal+ {$370.00} Escrow ) = {$1100.00}. 
All payments were made on time from XXXX to XX/XX/XXXX. Then I applied for a COVID-19 HUD forbearance for XXXX XXXX XXXX, however I continued to pay my escrow of {$370.00}. 
After an escrow analysis in XX/XX/XXXX, I resumed my mortgage payments with as set by PennyMac, with an increased total payment of {$1100.00} until XX/XX/XXXX closing. 
I have NEVER failed to make escrow payment during any month since PennyMac mortgage origination date of XXXX and have attached financial documentation. 
PennyMac has continued to falsely state this about me to you in their response, which stated my mortgage escrow had over a $ XXXX {$4000.00} shortage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-14
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call ( Selip and Stylianoup ) to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the first time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been a credit card customer of Capital One for the past 8-10 years and my account was always in good standing. This is also actual my only credit card. I made an online payment over the XXXX XXXX holiday that due to the holiday and week-end time frame it ended up being 1-2 days late. Suddenly with no notice Capital One raised my interest rate from 3.77 % to a 23.15 % rate. This is a 20 % rate increase. I have a good credit rating and would never pay a rate this high. I now ca n't afford the monthly payment the minimum payment jumped to almost {$600.00} per month and I ca n't afford this. I have repeatedly called Capital One and was told there is nothing they can do. I even went into their XXXX MD branch their manager XXXX was trying to help me but when he called they gave him wrong info even telling him I never had a 3.77 % rate. That is not true my statement is the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: NC
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
In XX/XX/2017 we signed a new payment agreement with Chase Bank ( attached ). This new agreement was a fixed payment schedule that replaced the monthly payments previously due each month. Upon making these payments on time every month for almost 2 years it was brought to our attention that Chase was reporting this payment late each time. Once contacted they indicated that we had a past due amount still. It was never disclosed to us that we had additional payments to make on top of the agreed monthly payment in order to avoid late payments. This is why we took the agreement in the first place. Chase has repeatedly refused to change the derogatory nature of the credit bureaus reports. They indicate we agreed to the details verbally but they are unable tp provide the recorded conversation where they indicate this was stated. The only contract details we are aware of are attached to this complaint and say nothing of additional money required in the contracts next steps. We followed the agreement to the letter with the intent of saving our credit as much as possible only to find out that the said agreement did nothing of the sort. We only want the lates removed and don't feel that its asking to much if you look at the on time history of every payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: FL
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:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Synchrony Bank/JCP, are stating that I have not been sending in my payments when I have been mailing through my bank checking account every XXXX Wednesday of the month since I have had the card. But in the last 3/4 months I have been getting statements saying I have not paid on my account. I originally owed {$330.00}, in which I have been sending a payment of {$30.00} each month ( I do have the bank records to show this ) but Synchrony have been sending statements that they have not received this money and adding on ridiculous fees & charges bringing my account to the {$420.00}. I 'm a XXXX on a fixed income and I do n't need the this type of trouble. Please help

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 2016-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
About 18 months or maybe a little longer Capital Once Credit Card informed me my account was restricted from further use. I have been in XXXX for last 4 years. I placed some employees on my card as authorized users. They wanted me to send copies of each authorized user 's driver license and social security card. I sent in that information via fax more then one occasion. After going back and forth trying to talk with the person who was authorized named XXXX. Who was the only one that could talk to me about my account and was never available when I called several times. I have asked several times to have my account closed. I have paid off these cards and do not use them. Instead I now have charges from the annual fee they charged me although I am unable to charge anything on these cards ; I find it very convenient they allow only their charges to be placed on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The name XXXX XXXX has been added to my account. I have never been married. I have always been a XXXX. My daughter 's last name is XXXX but I have never been. This needs to be removed. 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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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