BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX I purchased a house and my first mortgage payment was to XXXX XXXX XXXX on XX/XX/2020. I get a letter that Planet Home Lending is taking the mortgage over. I pay XX/XX/XXXX payment and start auto payments to come out on the XXXX of the month so the payment Is posted by the XXXX. I sent XX/XX/XXXX mortgage it was posted on XX/XX/2020. I paid automatically until I got a letter that I was being switched to XXXX XXXX. Never missed a payment. XXXX sends a letter that I owe a back payment from XX/XX/2020. The payment never posted to my planet account and to this day its never been fixed. I have called, emailed, nothing. 
Planet did say they would do a missing payment but Ive never heard from them again!!!! Im so upset!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had student loans through Navient and I sought information about how to best go after my loans. I feel that they withheld information from me and poorly advised me in the decision process. The big one would be keeping me from a more effective payment plan. The fi rst one is as a  XXXX  in a non profit organization the Public Service Loan forgiveness is by far my best option for rep ayment. I feel that Navient withheld this information when I asked about my options in order to keep my loans and keep them in a longer repayment process and keep the loans within their organization rather than have them switched to   XXXX   XXXX    i n which they could no longer profit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: American First Finance, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I been living out of the country for over 6 years, and to my surprise as I have return home I see a debt that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A third party debt manager/collector is listed on my credit reports as Waypoint in the amount of {$300.00}. I have contacted them and the credit bureaus over the course of 3 months for this account to be verified and for them to send me any bill, statements or contractual agreements signed by me. They have not done so. I have provided them with forwarding address and I have not received any billing information about the debt since I began my investigation over 3 months ago. Their appearance on my credit report is hindering my financial growth and I am now seeking its removal from all theee bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi I have been on a mission to help women in Danger from XXXX in XXXX XXXX, from XXXX to XXXX. My mission ends XXXX I do not owe a debt to LVNV Funding LLC/ XXXX XXXX XXXX. I have credit alerts and not one account should be open without a phone call or some kind of permission or alert. I did not sign a contract or give any ID I did not go into any agreement for a credit card or any account with this company. I did not Authorize anything. as I am living out the country. Please remove this again for the 2nd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The problem is that the loan I took out with USbank is an Installment loan. With no future advances. That the deed of trust that USBANK does not reflect this.
The Deed of trust that USBANK recorded says in clear english that I have line of credit. It also says that I can make future advances.
Even after USBank has reviewed this they still say they have done nothing wrong even the DEED OF TRUST and their letters are clearly are in conflict with each other.
I am Requesting that USBANK make an amendment to what they recorded to CLEARLY reflect that the loan I have is an INSTALLMENT LOAN.
This is needed because 5 different title companies have reviewed the current Deed OF Trust that USBANK sent to their title company to be recorded. All 5 of the title companies that I had review the Deed of Trust inturpeted the current recorded DEED OF TRUST to say that I have LINE OF CREDIT with future advances not an INSTALLMENT LOAN. All 5 companies state a letter from USBANK that says it is an installment loan does not change what they had recorded and all 5 companies said that could offer title insurance on the property with the loan recorded as and Installment loan.
As a result of USBANK interpetation of what they recorded and refusal to amend what they recorded to more clearly reflect that I have an installment loan has kept me from being able to get a Home Equity Loan and has cost me 5 months delay in getting a loan and has currently cost me .25 % on any loan that I will get. This quarter point will cost me {$5300.00}.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/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 2019-12-29
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Nordstrom / TD Bank I been living out of the country for over 6 years, and I'm extremely shocked, I have return home from traveling XXXX  XXXX  in villages and 3 rd world countries. I see a debt that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because. I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Funding LLC appears on my report as a third party debt from a payday loan I was trying to pay off. The original amount was {$640.00} but appears on my report as {$790.00}. I requested that the company send me the updated amount owed and furnished the original collector with my new address, but no change has been made to my report and no bill has been sent to me. This has impeded my opportunity to address this assumed debt and has remained on my credit reports for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inaccurate information on credit bureaus please correct violation of my rights hippa and cra

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 2019-12-29
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/2019, I notified Comenity Bank ( issuer of my XXXX and Victoria 's Secret cards ) that there were two fraudulent charges on my account and that the card was not in my possession. I provided specific details related to the missing card as well as information documenting the the charges on the account could not have been made by me, as I had been on a business trip during the period the charges were made. Not only that, but it was obvious by the charges ( both the total and the location ) that the spending does not follow my regular spending habits with this card issuer. I received a letter at the beginning of XXXX indicating that after the investigation was completed, I was found not to be responsible for the charges. Then, this week, I received notification that the decision had been overturned and that I was not responsible for the charges. I need this situation to be once and for all rectified - I feel I have not had any protection. I also feel this claim has been largely mishandled right from the start.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2019-12-29
Company: PNC Bank N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan on XX/XX/2019 after being pre-approved through XXXX XXXX. I provided the requested documents ( 2 pay stubs, 2 bank statements, a voided check and I even provided an additional end of year pay stub for bonus verification ). I was unable to reach anyone ( I sat on hold for over 4 hours over the course of 2 days trying to reach someone ) after receiving an email that additional action was needed. Within 48 hours, my application was cancelled. I submitted an additional application ( by mistake because I was moving too fast ) on XX/XX/2019. This time, I spoke with a representative, answered the questions they had about my pay stub, and I provided additional documents they requested. Within 48 hours, that application was also cancelled. I made one final attempt because at this point, I just wanted to see if I could actually get through the process or see if it was a scam. I spoke with someone on XX/XX/2019 who asked the same questions regarding line items on the pay stub. I confirmed they had all the necessary documents ( 2 pay stubs dated within 30 days, a pay stub showing the bonus being paid out, 2 primary account statements, 1 secondary account statement, and the voided check. ) After not receiving notification that the loan was decisioned, I called on XX/XX/2019. I spoke with someone who said she went through my application " very carefully '' to make sure they had everything they needed. Within a half an hour, my application was declined for " Unable to verify employment ''. No reason outside of that could be provided when I called to speak with someone. When a lender has bank statements showing deposits from the employer, multiple pay stubs from the employer, and the availability to contact the employer by phone or through a 3rd party, I find it difficult to say they couldn't verify my employment. I feel the application was declined, not based on my employment itself, but because of the employer I work for ( a competitor who offers far better service than I've experienced here ). I feel their business practices are erroneous ( as I have read multiple reviews since my first application that state people are having the same or other similar experiences with this lender ). They refused provide a valid reason regarding the decline. For the application to be declined within 30 minutes of speaking with someone sounds like people don't want to do their due diligence. And to not have the verbiage to provide the consumer with an adequate explanation ( without providing underwriting criteria ) is absolutely an insult to any consumer. I am a standard W-2 employee with no self employed income or additional income from outside sources. Outside of pay stubs and bank statements, no additional documentation or verification should be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022 a finance charge of {$52.00} was charged to my account. The payment for the month was supposed to post on the XXXX of XXXX. My bank account was debited on the XXXX of XXXX. On XX/XX/2022 another finance charge of {$39.00} was charged to my account. The payment was due again on the XXXX of XXXX. My bank account was debited on the XXXX of XXXX. The payment posted on the XXXX of XXXX yet again I was charged a finance charge. 

My payments are due on the XXXX of each month and my bank sends the payment in full out on the XXXX of each month. 

I enjoy being able to use my Capital One card and have always payed my credit card in full each month. 

I spoke with two Capital One representatives on XX/XX/2022 with no results. Just advising me who to avoid finance charges. 

Ive been an outstanding customer of Capital One and would like the total finance charges ( {$91.00} ) credited back to my account. 

Thanks in advance, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I, XXXX XXXX, contacted my mortgage company ( PennyMac ) to discuss an error that occurred with their payment app. My wife logged on the app after hours on XX/XX/2019 to pay our mortgage. Her first attempt failed and an error box popped up stating that her attempt did not work and to try again later. So she tried again and it went through just fine. Fast forward to XX/XX/2019 we went to get gas and realized our account was over drafted. Upon further inspection an additional mortgage payment was withdrawn. I contacted PennyMac and they  returned this money after I argued with the lady on the phone for 20 minutes and she refused to let me speak to a supervisor as he was busy ( yet she kept putting me on hold to speak with him ).  Well today, XX/XX/2019, we woke up to find that PennyMac took  the returned extra mortgage payment BACK out of our account and it set our account back in the negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27
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: Old information reappears or never goes away

Complaint:
They told me to wait a month. 

When I filed this complaint with the Federal Consumer Protection Bureau, I was unable to add example files to the complaint. The link on the CPFB website didnt work.

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 2021-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am attaching copies of the PRA accounts that show deleted from XXXX. I have accounts with PRA that they CAN NOT provide me any physical verification that these accounts are in mine & that I do in fact owe these debts! I have tried to send PRA a letter asking for a copy of our original signed contracts which theyve failed to provide! Whos to stop PRA for their illegal techniques they use??? I am beyond baffled that we havent come to a resolution yet when they CAN NOT provide me with what I am asking for! I am asking for the 5 line items I requested to be supplied to me, they havent provided my one thing that I have requested per FCRA LAWS! I am attached the papers I printed from my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Synchrony bank notifying me about the closing of a credit card account that I never received. I did applied for this card and Iam just now aware that apparently was approved but i never have received this card. 

The problem is, that this letter is being sent to me after I was disputing a different issue with this bank, and I told them i was going to file a complaint against them for their wrongful practices. 

The bank claimed that they did not have my physical address, but apparently they do have it, otherwise i would've not had received this letter. 
In the letter, an account is being closed, a credit inquiry was done by the company which is apparently a card from XXXX XXXX store and the reasons they claim are obnocious. 

Iam including a letter sent to me today, exactly two days after my complaint to them because they denied me bank statements f all my accounts on a synchrony card.

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 2017-08-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Reference : Ally Bank Case # XXXX -- XX/XX/XXXX -- Spoke with Ally Bank Rep regarding incorrect monthly interest payment based on my current annual interest rate of 1.5 %. I was told that in 10 business days I would receive the interest payment, in arrears, from XX/XX/XXXX.
-XX/XX/XXXX-I followed up with Ally Bank Rep since I had not received the interest payment in arrears. I was told that nothing was done, but that it would go out this day, XXXX, at Ally 's expense, and that I could call back after mid-night for a XXXX XXXX tracking number, and that I would receive my check in 3-4 days.. 

-- XX/XX/XXXX-I followed up again to obtain the tracking #, but an XXXX Supervisor said  the recalculation was in process and that there was no tracking number yet. 
I was also told that I would be contacted by XXXX within a day with an update as to tracking number and check amount. 

-- XX/XX/XXXX-No update received

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