BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was given wrong information by XXXX XXXX XXXX on XX/XX/2015. I booked XXXX travel ticket with help of XXXX Agents to XXXX. Told the travel agent.at XXXX before I booked the tickets told them our situation, That just in case if we do not get the visa to XXXX can we get the full refund on the reservation. He told me yes if you cancel with in 72 hours before departure of the flight. Plus you are backed by XXXX XXXX, you should be good. Weeks later we did n't get the XXXX so I called to cancel the reservation. A month later I got my statement says that I owe XXXX {$8300.00} for no showing up to travel. Now how can it be now show when I had canceled the reservation. XXXX told me they had re booked my flight for a different day.I told them how can I travel when I did n't have the XXXX to travel. Plus you never notified me any way of the changes. Until today they have no answer for that. I have attached the copy of the reservation and cancellation. This company had given me the run around with no clear answer.Now there trying to ruin my credit by sending to collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had this mortgage since XX/XX/XXXX. My rates have been as high as 14 % during this time.I have had struggles with the payments as a result of the economy and the drop in real estate sales over the past few years. The predatory rate that still exisits on my mortgage has not helped matters any. My rate is still XXXX or XXXX points above market rate right now after XXXX modifications. I owe almost as much as I borrowed XXXX years ago. This is even after they claim they charged off {$120000.00}, which is also unfair action, given that I have to file that on my taxes and pay almost {$30000.00} in taxes that I can not afford. It is obvious that Chase does not want to make my home affordable for me although I have paid extreme predatory rates for years now. In addition, my loan is illegal to begin with, as it was originated from an unlicensed lender. ( XXXX XXXX XXXX ), now out of business and no NC loan license. It has been sold to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EMC Mortgage and now Chase. Precedent has been established in NC that mortgage loans originating from unlicensed companies or even individuals are subject to cancellation by the state of NC. I have tried to do the right thing in not filing suit on those grounds. It is doubtful that this loan will pass the smell test for securitization. I have worked along with Chase to modify and make arramgements that have not been in my best interest financially, and keeps me in a bind. My payments have been as high as {$4500.00} per month. ( when had variable rate ). The most recent payment arrangement that was offered to me this week is a prime example. I am already financially challenged and Chase wants a $ XXXX downpayment and ober XXXX per month. I have done extensive repairs to my home and want to keep it. It still has foundation settling that XXXX XXXX estimated in XX/XX/XXXX for over {$30000.00}. It has since gotten worse and many of my doors will not close properly and the fireplace is separating from the wall. This impacts the value and safety of my home. The value that has been placed on my property during this modification process is inflated because no one has been inside or on the grounds to see the problems. I have been disqualified unjustly for a decent modification because of false information on the appraisal. The homes in my area are older, not energy efficient and stay on the market on an average of XXXX years or more. The comps used in the value are out of my comp zone. That could be deemed as fraudulent. I really need a reduction in my balance to match the real value and a rate concurrent to market or below since there are programs from the President to help homeowners. Otherwise, this loans needs to be litigated in court to prove it is illegal and that I have overpaid all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is reporting a collection debt from Louisiana Recovery in the amount of XXXX. I sent a certify letter on XX/XX/XXXX. I explain this is not by debt. I did n't have any XXXX. 
XXXX responded saying this is my debt. 
I sent a certify letter to the collection agency Louisiana Recovery Service, asking for a itemized bill with a breakdown of the services rendered. 
This letter was sent on XX/XX/XXXX. 
As of today, I have n't received any communication in regard to the services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX. I need to complain about PennyMac because they denied my loan modification request for second time. I got a loan to purchase my home from PennyMac on XX/XX/XXXX. At that time I had no problem to pay my mortgage because my husband was XXXX and had good income to help me to pay my mortgage. But effects of economy crashes hit my husband business too and he lost everything. My husband went through XXXX and as a result left me and our XXXX years old daughter. I spent all of our saving to keep my home but my saving ended on XX/XX/XXXX ; it was when I applied for loan modification with Penny Mac. PennyMac denied my loan mod request and proceed the foreclosure. I borrowed money from friends and family to save my home. I am working 16 hours to pay my bills and mortgage but this does n't let me to spend time to raise my XXXX years daughter properly and the other hand after my XXXX XXXX years ago- and going through XXXX, my XXXX so bad that I can not spend so much time on my feet. PennyMac offered me to sell my home because there is some equity on it. I did n't agree with PennyMac offer because selling my home pushes me to rent a place. The rent would be higher than my mortgage and the other hand I will spend the equity of home toward the rent soon I will be out of home and money. I again appiedy for loan modification this year and PennyMac denied it again and said XXXX XXXX does n't accept the request because I am paying my payment every month. Reality, I am struggling with payment.I am working 16 hours a day and asking help from my family every month and I can not continue any more. Last year when I did re-instead my loan I was charge so much by PennyMac for legal and other fees which added to my debt. I have to be in default again to be able to request loan mod but I afraid because PennyMac will charge me another legal and other fees. I need some one help me to modify my loan and reduce my payment. I can not continue to work 16 hours with having a XXXX years old child and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent my dispute by mail XXXX, 2015 because I 'm a XXXX and my work schedule does n't allow me to be home so that I can call and speak with a live representative. There are some inaccurate marks on my credit report that I requested Experian to investigate. Today I get this letter which I have attached to this complaint stating that they have not initiated an investigation due to the fact that they think it is coming from a fraudulent source. That 's not true. Because of their lack of care and professionalism they have allowed this harmful information to remain on my credit report. People do mail requests for disputes sometimes when they ca n't call or when they ca n't access their credit report online to start an investigation which is the case for Experian. I now have suffered from inaccurate info for 30 days and can expect at least another 30 to 45 days thanks to Experian. Not investigating a consumer 's dispute is a clear cut violation of my rights and under the FCRA. Please look into this company deceptive practices and help me to resolve this matter quickly and efficiently. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-07-12
Company: CNG HOLDINGS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company has responded to the debt verification via letter/email that I received on XX/XX/2021 but the information they sent still does not validate the debt as being mine. The email address shown on the response, XXXX, the phone number listed XXXX XXXX XXXX XXXX and the address, XXXX XXXX XXXX XXXX, XXXX XXXX  have never been associated with me or anyone in my family. Ive looked up the address that was shown and it looks to belong to a XXXX XXXX. 

Please have the company do a deeper dive on the debt and remove from my credit immediately. If there are further steps to take on my side, please have it expedited as this is not my debt and is dragging my score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
0n XX/XX/2016 I applied for a XXXX dollar debt consolidation loan through XXXX. I was then directed to one main financial where it said I was prequalified for that loan. after I filled out my information I was approved for a secured XXXX car loan. I did not apply nor do I need a car loan. this is deceptive and did not apply for a car loan. I called one main credit disputes and was told I could not have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Navient Solutions, LLC.
State: AR
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
These loans from XXXX have been sold to another lender that are also reporting to the CB. These Student loans are also Duplicates : Accounts ending in XXXX, XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was attending XXXX University when they lost their accreditation. They were granted accreditation for one additional semester in order for any students who could graduate to be able to do so. Since I would not be graduating during that semester I was not allowed to enroll in any class that final semester. I still have the email from the school stating I was not allowed to register that semester. Due to this fact I was no longer a student 129 days before the closure date. Just 9 days shy of the 120 day cutoff. I have written letters to Navient, the US Senators, and the president. US Senator XXXX was working on this case for me but Navient just kept saying they would not forgive my loans. In the beginning they kept letting me defer the loans and never offered me a lower payment. Finally I was able to get my payment lowered to XXXX/month. I paid for a full year and now they have increased my payment to XXXX per month! I currently still owe XXXX for a degree I was never able to finish. I could not transfer my credits to another school because there is not a school within a two hour radius that offers the same program. The most recent letter I have from the WV Higher Education Policy Commission states that I need to petition the secretary of education to have the period extended past 120 days. However, the letter also states that there is no written procedure on how to petition the secretary of education. I sent the email from the school about not being able to attend that XXXX semester to the senators. Senator XXXX stated the appropriate officials were aware of my case but I never heard anything further from him. Senator XXXX also sent me a letter on the same date stating he added the letter to my file, but I also heard any further. That was in XX/XX/2014. Both WV US Senators were trying to fix this for me and the issue still has never been resolved. Navient will not allow me to lower my payment or extend the length of term for when the payments are due. Is there any way that you could look at my case and assist me? I would be more than happy to fax you everything I have. Thank you for your consideration. XXXX, previously XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have disputed several reports on my Transunion credit report. After repeated request for XXXX to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.

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 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX CAPITAL ONE BANK USA N A Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: OH
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:
My account was reported as delinquent onXX/XX/XXXXeven though it was not. I was enrolled in their hardship program. 

The account is still showing as past due as well, even though I completed the hardship program and made my final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020, an amount of {$14000.00} USD was stolen by PAYPAL. 
Paypal closed my account for no reason and will not help me to get it back up and going. I believe that was a mistake, but I can not do anything about it. Then, paypal informed me that the balance on my account will be on hold for 180days, after that, they will send me an email and let me know when I can withdraw that balance. However, the balance was transferred from my paypal account to PAYPAL itself. As the account holder, I even don't know anything about that payment, because don't want to let me know. They took the money without my permission. I just remembered that I can report this to CFPB and get help from you. My email linked to this paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ability Recovery Services put a collection note on my credit report. I never received any notification from the original creditor or ARS about an y debt being owed. My address and phone number are public and listed on all three of my credit reports. The address and phone numbers listed on the credit report for this debt collection agency are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a home loan with the lender New Penn who uses Shellpoint Mortgage to service their loans. The rates dropped so I also did a VA streamline IRRRL with them. Since I am rated a XXXX Veteran, in the state of GA I do n't pay property taxes. During the processing of my loan the underwriter added taxes to my escrow payments. I 'm not sure where the amounts came from as my County Tax Assessor Office had already provided me my estimated tax amount which stated {$0.00}. So I provided that infomation to my lender and the taxes were deleted and the loan was closed. However, when the loan servicer, Shellpoint, received my loan and established my account, it showed that I owed taxes for the year totalling almost {$2400.00}. Since the loan had recently closed two weeks prior, I contacted the lender for assistance. The lender basically verified they had not provided the tax figures to Shellpoint since the amounts were not calculated into my escrow account, but only showed as a collectable debt against my mortgage account. Therefore, I contacted Shellpoint inquiring about the tax amounts and provided them with the same tax estimate I received from my County Tax Assessors Office and recently provided to the loan underwriter showing my taxes were {$0.00}. Basically, they responded by stating they would check into the issue. However, they stated it was my responsibility to provide any military documentation to my tax office in such matters. They also went on to remind me that since my lender did not include the amounts owed in my escrow account, it is also my responsibility to ensure the debt is paid per the terms of my loan agreement ( or they would place my account in collections ). At this point in time I am clearly at a loss! So I contacted both my County and City tax offices to reconfirmed my VA XXXX tax exemption status and received copies of my tax statements both showing {$0.00} with {$0.00} due. I forwarded both statements to the lender, New Penn, and the servicer, Shellpoint, with no response. However, since then, my account now shows a reduced amount due for my County taxes but the same amount due for my City taxes totalling about {$720.00} due versus the previous {$2400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
SYNCB/CAR CARE DISC TIRE THE ACCOUNT LISTED ABOVE IS IN VIOLATION OF THE FCRA. I HAVE SETTLED IN FULL THE BALANCE ON XX/XX/2021. PLEASE SEE THE ATTACHED PAID IN FULL LETTER. I CALLED " CLIENT SERVICES '' WHICH IS A 3RD PARTY COLLECTOR FOR SYNCHRONY BANK AND THEY CAN NOT LOCATE MY ACCOUNT. I THEN CALLED SYNCHRONY BANK AND THEY ARE SAYING THE SAME THING. I HAVE PROVIDED A SCREENSHOT OF MY TRANSACTION HISTORY ON MY BANK APP AND A PAID IN FULL LETTER DIRECTLY FROM " CLIENT SERVICES '' AS PROOF. THIS ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT FILE IMMDIATELY.

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 2017-02-15
Company: FORD MOTOR CREDIT CO.
State: WI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We traded and leased a new car from XXXX XXXX in XXXX, Wi on XXXX XXXX, 2016. As with any vehicle purchase agreement, the dealership ran a variety of credit approvals and created numerous documents for this transaction to occur. We secured financing from XXXX XXXX XXXX XXXX XXXX XXXX for our new vehicle and took delivery of it XXXX XXXX. We were told that ( Ford ) would be contacting us shortly ( XXXX3 weeks ) with a payment book. No contact happened. Concerned by the lack of contact, we phoned Ford on XXXX XXXX and again XXXX XXXX and again on XXXX XXXX. Each time they searched their systems and could not find our name, car ( vin # ) or transaction. " We do n't have any record in our databases for your name or for the VIN number '' Explaining the situation we were told " be patient, perhaps there is a delay '' On XXXX XXXX we received a letter from Ford credit saying that we were behind in payments and owed two months and were being reported to credit bureau for late payment. We contacted the contact in the letter and immediately paid the past due via electronic fund transfer. On XXXX XXXX we received another notice saying we were being reported to credit agency. This was after the monthly payment. XXXX car payments in two weeks by electronic deposit. 
XXXX XXXX XXXX Company has completely failed internally to handle our sales transaction! Most importantly they have caused undue stress and damage to our credit rating by making false reports! Unacceptable! And when contacting XXXX again about this, their response is : " you can contact the credit bureau and request a change '' Complete XXXX!

Company response to consumer: Closed with monetary relief