BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-01
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account that was scheduled to be charged off that I had never received a notice for neither by mail, email, phone, or text alert for {$99.00}. PNC cleared my checking account in the amount of {$62.00} to cover part of the debt that was owed leaving a {$36.00} balance left to be paid. I informed PNC that I will have a direct deposit coming in on XX/XX/19 that can cover the remaining balance. The representative informed me that they will hold off on closing the account so the debt can be settled. PNC closed the account on XX/XX/19. When I noticed the account disappeared from my mobile banking app, I called PNC again on XX/XX/19 to make them away that the funds will be coming to the account the next morning, the representative I spoke with said to call on Friday XX/XX/2019 and they can transfer the funds to my active account. I called someone this morning XX/XX/2019 and they spoke to me and said the funds have posted and call back at XXXX to have them transferred. When I called back at XXXX, I was informed that they could not move my money until Monday afternoon because they haven't posted the funds. I am ENRAGED being that I have to pay rent and take care of a child and I'm set back {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BSI Financial Holdings, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We purchased a home on XX/XX/2023 and made our first payment due XX/XX/2023 to XXXXXXXX XXXX  ( check sent on XX/XX/2023 & receipt of XXXX payment sent to us ) as our loan transferring process was delayed. 

XXXX has 60 days to transfer the collected funds to the servicing Mortgage Company, BSI Financial, which was delayed.

We have been advised that after purchasing a home we can not get flagged for late payments for the first 60 days due to possible mortgage transfers that can take place. 
We have both been flagged by the credit bureaus for late payment of 30 days from BSI Financial although the original payment was submitted and received in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
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: Their investigation did not fix an error on your report

Complaint:
I have an account that was closed that's still was on my credit report stating potentially negative if the account is closed nothing should be potentially negative nothing should be on my account it should be removed not potentially negative also they have an auto loan on that XXXX  credit report that does not belong to me and I keep telling them that I do not live in Virginia XXXX never lived in Virginia I've never even been through Virginia but all of this stuff was on my credit report why is XXXX credit report not matching what the other credit bureau agencies this is a big major concern with nobody giving me answers all inaccurate stuff on XXXX they fell into remove all other credit bureaus remove the stuff because it's not 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 2019-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed bankruptcy back in 2011 due to medical reasons. Went through the 7 year wait time, all while still paying mortgage to Bank of America, XXXX and currently XXXX XXXX. I was told that these companies DID NOT HAVE TO report my 'ON TIME ' payments to the 3 credit reporting agencies. Granted, I do not have ANY credit cards, but shouldn't mortgage payments count?? It was rather surprising to find out that my credit score was, and currently still is, XXXX 'XXXX '. This can not be correct. Please help. 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 2022-05-31
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collector ( ERC ) is attempting to collect a debt from me ( 1 ) that is not mine, and ( 2 ) that I have already successfully disputed with the credit rating agencies last year after the first attempt to collect on this debt that is not mine. 

The debt alleged is {$970.00} for an XXXX XXXX XXXX XXXX account. I have never had an account of any sort with XXXX ; I am and have been a XXXX customers for my cell phone service, my internet service provider when I lived in XXXXXXXX XXXX  until XXXX was XXXX, and my current internet provider in XXXX XXXX is XXXX ( formerly XXXX XXXX ). I have never opened an account for either cellular or internet service with XXXX. I have never done business of any kind with XXXX. I first learned of this erroneous debt collection when it was placed on my credit reports in XXXX of XXXX, and I immediately opened disputes with the credit rating agencies it was reported to ( It showed up on 2 of them : I know for sure one was XXXX, and I believe the other was XXXX ) and those disputes were quickly resolved in my favor and the debt collection was removed from my credit reports. 

Now ( XXXX of XXXX ) I have received a letter in the mail from : ERC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Attempting to collect on this same erroneous debt that I already successfully disputed last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Goldman Sachs XXXX closed my CD account without any notice to me and sent the account balance in check format to the wrong address. They have refused to send out a new check to my current address until the previous check expires in 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have an account that was closed that's still was on my credit report stating potentially negative if the account is closed nothing should be potentially negative nothing should be on my account it should be removed not potentially negative also they have an auto loan on that XXXX  credit report that does not belong to me and I keep telling them that I do not live in Virginia I never lived in Virginia I've never even been through Virginia but all of this stuff was on my credit report why is XXXX credit report not matching what the other credit bureau agencies this is a big major concern with nobody giving me answers all inaccurate stuff on XXXX they fell into remove all other credit bureaus remove the stuff because it's not me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved from my apartment at XXXX XXXX XXXX XXXX XXXX, and moved to XXXX in XX/XX/2018. I never received notice or mail or phone call that there was a remaining balance past the time the meter was to be cut off and I had moved. I did not receive a word until the collection company called me! They told me to pay the amount and it would not be on my report, or if it did show they would correct. The did not do this and it still shows unpaid in collections. The derogatory collections on my credit report is from a company called COLLBUREAU. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$140.00}. The same and only day they contacted me from the collection agency was on XX/XX/2018 and I spoke with XXXX. I paid the full amount and confirmed on My XXXX Credit card on XX/XX/2018 in the full amount of {$140.00}. And, XXXX gave me the confirmation number XXXX. 
XXXX shows payment on XX/XX/2018 for {$140.00}, there reference number is # XXXX The charge appeared on My XXXX credit card as 'cbhv, Inc. phone number XXXX. 

The problem is they NEVER REMOVED this into paid, nor add any notes of the circumstances and it still shows unpaid collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a summons to come to court for a debt that my husband and I owed the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. From XXXX, we were in bankruptcy and the bankruptcy court paid the HOA on our behalf. After the discharge of the bankruptcy, the XXXX sent us an invoice stating that we owed them {$1200.00}. I thought that we had settled this but on XX/XX/XXXX, I sent them the amount of the invoice, plus the amount for that year which was {$270.00} for the year XXXX. 
I answered the summons and sent them a debt validation letter, pursuant XXXX XXXX. XXXX, stating that their claim is disputed, and validation is requested, ( Exhibit A is attached ). I never received a validation response, but they continuously sent me verification letters. 
I counter sued with a Defendants Opposition to A Motion for Summary Judgement and filed it in the XXXX XXXX XXXX XXXX. A court date was set for XX/XX/XXXX, at XXXX am. The judge did not appear to even look at the case or listen fully to the defendant XXXX XXXX. He stated that he would give his ruling in ten ( 10 ) days, in which it was more like 16 days afterwards. The judge ruled in favor of the Plaintiffs for an additional {$4.00}, XXXX, and our journey to appeal began. 
We filed an appeal on XX/XX/XXXX, in which the XXXX XXXX XXXX XXXX and the Court Reporter kept stalling us regarding our transcripts. They approved our appeal, but in the meantime my husband was diagnosed with two different types of cancers. I did not even have the mind or time to follow up on the appeal. I then received a letter that I was one day late anyway, so my appeal was denied. 
This complaint is for all the people in our subdivision that is going through the same exact dilemma. We are praying that some rules and regulations change for homeowners going up against HOAs because it seems that theyre all working together to not follow federal laws. There were so many laws that were violated and overlooked. There has to be some relief for seniors and people who may have been late but are willing to straighten their wrong and pay whats due ; not be railroad into paying for a dozen court costs, attorney fees from attorneys that are not even debt collectors and everyone working on the case! We are overwhelmed and disappointed! Thank you for your cooperation.

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 2018-08-04
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Starting back in XX/XX/XXXX I had been trying to do the biweekly payments but they wanted a month ahead and we could not do that. I started making partial payments. The first email I sent was XX/XX/XXXXwith out hardship letter. XX/XX/XXXX I emailed in my sons bank account statement.XX/XX/XXXX emailed income that had not been received since a specific date. XX/XX/XXXX emailed my child support paperwork with proof of income. Received letter requesting specific paperwork. again on XX/XX/XXXX thru XX/XX/XXXX emailed paperwork requested. After a while they asked for paperwork again. Finally stating that some of it was not filled out right. This time I filled out that paperwork again and mailed it and It was signed for by XXXX XXXX on XX/XX/XXXX. Paperwork was due by XX/XX/XXXX. On XX/XX/XXXX, I receive a phone call at XXXX XXXX from XXXX ID # XXXX stating that they needed the XXXX corrected in the address and phone number. Only page two of our XX/XX/XXXX taxes with our signatures on it and our hardship letter. I was told I needed to add on LIne 5 of the XXXX the word Corporation after Freedom Mortgage. and Their phone number. I was told they needed page two of our taxes signed and dated. I faxed those pages in on XX/XX/XXXX at XXXX XXXX. Then another letter comes dated XX/XX/XXXX wanting 1. federal tax return all pages ( already sent three times except page 2 needed signed and  dated ). Year to date profit and loss statement signed and dated. 3. 3 months of recent business bank account ( I don't have any business accounts, and was told to write a letter stating that ) 4. complete financial worksheet. I sent in the two pages I have that state " Financial Report ''. I faxed these items in XX/XX/XXXX at XXXX XXXX, one page and XXXX 3 pages. I called on XX/XX/XXXX and spoke to XXXX # XXXX and was told they did get the papers and were working on reviewing the packet. XX/XX/XXXX received another letter requesting paperwork again. 1. Recent tax return. 3 months business statements. YTD profit and loss statement and Financial worksheet. I called today and spoke to XXXX # XXXX. I was told that they had none showing up. No tax return ( has been sent now three times and emailed ). Profit and loss statement which was faxed. Business statements to which XXXX stated to write a letter explaining that I don't have a business account. and again complete financial worksheet, not explaining that this last one has 6 pages to it and the whole packet has different titles on each page. Only one states " Financial Report '' and has a second page. The other say Financial Report, Hardship Affidavit, Monthly Expenses. 
This back land forth and run around has been going on now since last year. 
Now they have started the foreclosure. We went to a HEMAP Counselor Thursday.

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 2023-12-12
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a very large student debt and I find it quite frustrating that the Capitalized Interest is not displayed as a total of interested that has accumulated in my account. Only the Interest Subsidy is shown which is not a fair representation of how much interest has actually accumulated and has grown my original amount to be paid by 30 % which is over {$70000.00} added onto my original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 not heard back from Transunion with regards to this XXXX XXXX XXXX investigation into this account that do not belong to me. I would like this XXXX XXXX   XXXX account removed from my credit report. Please assist me in getting this done. 

It has been more than 30 days since I submitted a dispute with regards to this issue.

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 2023-09-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I had received a escrow review statement on XX/XX/XXXX because there was a surplus in my escrow account for XXXX. I had received a check from the company for this refund amount. I had previously gotten approved for a veteran tax exemption so i assumed that my escrow information had gotten updated because of this. The statement showed that on XX/XX/XXXX my new monthly mortgage payment is XXXX and in the breakdown of the charges that the XXXX XXXX ( taxes and insurance ) would now be XXXX. 

On XXXX XXXX i had received a new statement saying that my escrow balance is XXXX. I had called on two different times to try and get an explanation and from what i understand is that no matter if i paid this difference by XX/XX/XXXX when my next escrow analysis is conducted, that there would always be a negative balance. Why is the XXXX thats being took out for the taxes and insurance not being applied to the escrow? Also since its recorded that i have a XXXX XXXX tax exemption, why would i have to pay out extra every year for the escrow? Every other month there seems to be some issue with this company and i believe Im paying out extra money for nothing. How can i go from having a surplus in escrow account, to being in the negatives? I am unsatisfied with the inconsistent information from this company and the charges for escrow. Every since my mortgage was sold to this company there have always been financial mistakes on the company behalf.

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 2019-01-15
Company: EQUIFAX, INC.
State: WI
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 WEEKLY AND A FEW WEEKS AGO I NOTICED THERTE WAS A COLLECTION ON MY ACCOUNT FOR {$1200.00} FROM A XXXX XXXX XXXX ( XXXX ) I'VE NEVER EVER APPLIED FOR A LOAN WITH THE COMPANY I'VE ASKED EQUIFAX TO REMOVE THIS OFF MY CREDIT REPORT AND IT'S STILL ON THERE, I'VE CALLED THEM SEVERAL TIMES EVERY TIME I CALL THEY SAY CALL BACK IN 30 MINUTES BECAUSE THEIR SYSTEM IS DOWN. I LITERALLY CALLED THEM FOR A WEEK STRAIGHT AND EVERY DAY I GET THE SAME RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: MRS BPO, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I submitted a dispute through XXXX for a collection from MRS BPO. They did not provide an itemized statement of charges being reported therefore my rights are being violated. They are reporting inaccurate information and its affecting me. MRS BPO is not licensed in Texas as a collection company therefore they are fraudually reporting on my credit and XXXX refuses to look into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief