BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am complaining about PennyMac. They refuse to review my documentation for a mortgage solution. I have completed a full borrower 's response package and I am ready to submit. They are taking financials over the phone and only will do a repayment option. Are they confident I calculated my income and expenses correctly? They told me there are no imminent default programs for FHA. I reviewed www.hud.gov and they do offer assistance. FHA does have imminent default programs available. They made the gesture that I must fall delinquent by 3 months in order to get assistance and then only it is not guaranteed. I am currently in Chapter XXXX bankruptcy and they told me that no credit reporting is taking place ( not true ) and no late charges accruing ( not true ). The mortgage is NOT being paid through the bankruptcy plan. They offer no fax number to submit a borrower 's response package. I need help for them to comply. There is no reason to make this go on as I am in good faith trying to get help. The 90 day rule is during or prior to the financial crisis and HUD has changed their guidelines. I need a list of the current documents I need to submit in my situation in Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continuation of complaint XXXX that was n't further processed. 

CSI calls for unowed debts and does not abide by the do-not-call list for new owners of a phone number. 

Also, when the number is called back the CSI rep hangs up. Eight days later when called back a rep answered verbally and stopped talking -- unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Reached out to the general sales manager at motorwerks informing whom it may concern that I am disappointed to learn that as a consumer Ive been violated in many ways. Any consumer credit transaction that involves a finance charge, we as consumers, have the right to rescind.15 USC 1635 states to clearly and conspicuously disclose that a consumer has the right to rescind. My contract does not state right to rescind it in fact states no cooling off period and I was not disclosed this information during this transaction which is a violation of my consumer rights. Fact, the Truth in Lending Act ( TILA ) is a federal law that is apart of the Consumer Credit Protection Act. Pursuant to 15 USC 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. A down payment is in fact another violation. XXXX XXXX collected {$8000.00} in cash as a down payment. The whole contract and arbitration agreement is fraud because for one my insurance was not included in the finance charge and two you cant finance and do a cash transaction at the same time its either one or the other. There are no statue of limitations on fraud so I am hereby rescinding this transaction. I would love to give this company the chance to right this wrong before further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. I have requested that the unauthorized inquiries that were obtained without my consent or knowledge of the use of my personal information be removed. The creditors nor the credit bureaus have proven, or shown me proof in any way that theses items were done by me.

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 2022-01-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My social is being used to open bank accounts and credit cards I have frozen all my account with all 3 bureaus but equifax denied my disputes and they remain on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2020, I discovered that an unknown person had access to my bank account. My bank account had to be closed and another account with a new number was opened. I went online to Nordstrom to update my banking information. I attempted to delete my old bank account but was unable to do so. XX/XX/XXXX, I made a payment for {$50.00}. On XX/XX/XXXX, I made a payment for {$300.00}. Unbeknownst to me, I made a payment from the closed account which was the default account ; making me 63 days past due. My statements are set to be delivered via email ; however, did not look at them as I have paid my bill every month on time without issue. I did not receive a phone call from Nordstrom about being 63 days late until XX/XX/2020. I saw the negative marks on my credit report, contacted Nordstrom and they were unable to help me. I have talked to Nordstrom customer service about have the 30-day late mark removed, however they explained that they are unable to do so. I have since deleted my old bank account and brought my account current. The 30-day late payment has dropped my credit score 43 points and it has had a negative impact on my life. I am requesting that the 30-day late payment be removed as soon as possible. I have tried to work with Nordstrom to no avail. I have never missed a payment or made a late payment to Nordstrom and I would like the mistake to be cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: WESTERN UNION COMPANY, THE
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I was travelling in XXXX during the week of XXXX XXXX to the XXXX. Currently, XXXX does not conduct business with America banks or financial institutions which means my credit cards and ATM cards were useless. As a result, I had no money so I reached out to friends to send money via Western Union. XXXX sent {$540.00} XXXX XXXX as you can see from the screen shot attached. However, I was not able to receive the wire because I was told that only XXXX citizens can receive money via Western Union. Over the past 2 weeks, XXXX and I have made at least 10 phone calls and we get nothing but the run-around. They have not refunded his bank, nor will they allow me to pick up the wire at any local Western Uniuon locations. We 're both about ready to lose our minds. Any help you can give us would be tremendously appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Brooks Brothers store credit card. Thats all I want, Brooks Brothers now wants to cancel my store card and issue me a Master card account. I dont want the Mastercard and just keep the store card.They say I cant., If I dont take the Mastercard they will close my store account., I have no choice.

That is NOT what I wanted when I applied for the store card only.

Tell them I just want the store card, NOT the Mastercard.

I have enough credit cards.

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 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
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 am a victim of identity theft. I have requested that the unauthorized inquiries that were obtained without my consent or knowledge of the use of my personal information be removed. The creditors nor the credit bureaus have proven, or shown me proof in any way that theses items were done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: iFreedom Direct Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX XXXX I sent two Mortgage Payments of {$820.00} to the Loan Originator and then soon to be servicer and owner of my Promissory Note and associated Contract ( s ) to the Company of which I am hereby complaining about, iFreedom Direct Corporation. Those payments were both sent pursuant to the Final Closing Disclosures issued by the Loan Officer, XXXX XXXX by Certified Return Receipt Requested US Mail Article # XXXX. Those payments were received by the company on XXXX/XXXX/XXXX. On that date I received a call from the Company, XXXX, wherein the company attempted to explain to me that they did not want the payments. I replied by stating they were discussed with my loan officer [ see attached emails ] prior to my executing the agreements and I was assured the two monthly payments { for XXXX & XXXX XXXX } would make it to the chosen loan servicer. On XXXX/XXXX/XXXX I received a statement and bill from XXXX indicating that the two previously remitted payments had NOT been surrendered to that servicer as was promised and as law dictates they should have been. I sent a payment that day for the XXXX XXXX payment ( so indicated on that personal check and on the enclosure ) by Certified Return Receipt Requested US Mail [ Art. # XXXX ]. On Saturday XXXX/XXXX/XXXX I attempted to phone CENLAR in an attempt to reconcile my records and payments with their real-time ledger on my account, I was unsuccessful but was able to get an automated service which indicated that " there was action on my account on XXXX/XXXX/XXXX. I need to know what happened to my personal checks? Were they remitted and forwarded to the Servicer? Are Credit ( s ) going to issue for my XXXX and XXXX Payments? Has the most recent check been applied to the XXXX XXXX statement? Any insinuation that I must have sent a payment or payments to a then unknown servicer is absolutely rediculous. The Loan Officer was made fully aware that I was paying the note in advance and each were executed before closing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: BANK OF THE WEST
State: CO
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:
I signed an agreement with the Bank of the West to take advantage of the CARES Act where I agreed to pay my mortgage forebarance amount in full by XX/XX/2020. I specifically confirmed 3 times on the phone with the agent from Bank of the West that IF I took advantage of the forebarance program and paid all fees in full by XX/XX/2020, I would not have any adverse information sent to the credit bureaus. Knowing that I was going to sell my house and pay the mortgage off in full and all fees associated with the forebarence on XX/XX/2020, I agreed to the program. 

I am now trying to buy a new home and found out that although I fulfilled my obligation by paying off my entire mortgage and all forbarence fees early, that Bank of the West has informed all of the credit bureaus that I was late with a payment. That was not what was agreed upon especially since my entire mortgage was paid off more than a month prior to my forbarence due date. This is a bait and switch and clearly is adversely impacting my credit score. Over 35 years, I have never had a late payment for any of my credit cards or loans. Now I am being penalized with a credit score deduction by over 135 points when my credit score from all agencies has hovered around 800. This predatory lending practices are horrific and are not in line with the intent of the CARES Act. 

I need your support to get the " late payment '' notification to all credit bureaus reversed and a note to the credit bureas and me that they made an error and reverse the late payment notification. If you have any questions or need any further information, please email me. This is yet another financial institution taking advantage of the American public like was done in XXXX with the mortgage defaults.

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 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sold my home on XX/XX/2019. 

XXXX XXXX XXXX in XXXX XXXX CO claims i owe them money. They received the account 6 days after I closed escrow. 

I keep telling XXXX this and they keep trying to collect money from me.

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 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX, XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

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 2017-03-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
When making a purchase at XXXX, the sales clerk asked if I wanted to join their rewards program and receive 10 % credit towards future purchases. I thought that sounded like a great deal and said yes. When I received a XXXX/Comenity credit card in the mail, I was surprised and angry. Foolishly, I did not read what the clerk put in front of me to sign, trusting that it was simply pro forma Rewards membership. But I was fooled into applying for a credit card I do not need or want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A person with the email XXXX attempted to obtain an Apple Card account from Goldman Sachs Bank USA with my name. The application was denied since I had a credit freeze on my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off car XX/XX/XXXX requested lien release, XXXX XXXX XXXXXXXX XXXX on 5 times, called ed title dept on XX/XX/XXXX said would be mailed 5-7 days, called XX/XX/XXXX spoke to XXXX, said would have it expedited, should go out XX/XX/XXXX called XX/XX/XXXX was told request was cancelled, spoke ti XXXX XXXX a supervisor she said she would have to research and put in an additional request, total contacts 14 lein release received 0 acct XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We purchased our home on XX/XX/2020. Caliber home loans INC financed our purchase with a conventional loan. We refinanced about a year later with them again, that refinance has the original purchase square footage correct. 
After the market values increased tremendously in maryland area we decided to refinance again as we did work to our home, and market value increase to remove the mortgage insurance. We made contact with them ( same rep ), on XX/XX/XXXX, and initiated the process. Spoke to XXXX XXXX First thing is, he never mentioned we didnt need to refinance, just have an appraisal and ask for mortgage insurance to be removed ( we were not aware of this at first ). 
It only went worst from there. 
The first appraiser they sent profiled our XXXX  household, and undervalued the property grossly, but had correct square footage. We contested that appraisal, bringing to their attention as to what happened. They sent a second appraiser, and this time, they didnt take away from the market value, but reduced the square footage of our home from the listed square footage that was on sales papers by previous owner, on settlement papers, and the appraiser sent by the caliber home loans INC in order to go to settlement. We then brought it to their attention that the square footage is not correct on last appraisal, and they confirmed by email, that thats the square footage they will now consider. Completely disregarding that we, according to them now, have been paying for fraudulent amount of space according to the settlement papers and their numbers now, or they are finding a different way to have us still continue paying the mortgage insurance by reducing the square footage, and thus the value. They acknowledge the house has been updated, we presented a list of updates in aproximate amount of XXXX. 
By reducing the square footage we are missing the equity by slightly over 3 % less then required to remove the insurance. The 515 square feet would have more then made up for the 3 %. 
This can not be a standard practice!! 
This is blatant fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX, XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief