BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, XXXX XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : On XX/XX/XXXX, I submitted Complaint # XXXX because my Servicer denied my request for any home retention option without respecting the due process and, at the same time, engaging in predatory practices. 

This week I received a letter from my Servicer in response to my complaint. However, the letter does not address the main problem, which is a remedy for predatory practices. Even though Specialized Loan Servicing is the Servicer of my loan and not a lender, they have to apply the lender or investor guidelines, and my complaint was about those guidelines. 

With the letter, Specialized Loan Servicing is sending me a new loan modification offer, which I appreciate, but still, some of the terms are predatory : XXXX years with a 7.250 % interest rate ( currently, the rate for a XXXX mortgage is 6.28 % ). After that, interest will increase to 13.125 % for the remaining 12 years and a down payment of {$21000.00} I am not trying to avoid my responsibility. I want to pay this loan. I am only asking for fair terms to solve this problem. Still, the Servicer and the Investor of my loan have set loan modification terms that are impossible to accept for anyone in my position because I do not have {$21000.00}. I am sure nobody affected by XXXX has that amount of money available in a bank account. With the inflation and the consequences of the Pandemic, we are barely surviving, and gathering the amount requested as a down payment is impossible. 

Today I reviewed your portal and discovered that the case is closed just because the Servicer sent a response letter to my complaint. As I said in the second paragraph, the letter does not address or solve the main problem. Under that offer I am still subjected to paying an outrageos interest rate after XXXX years, and I am required to make a {$21000.00} down payment which I dont have. Thus, how can the Consumer Financial Protection Bureau close a case that has not been resolved? And, why the Consumer Financial Protection Bureau accepts the servicer stataments without any evaluation? Or is this an automated process that closes cases when an answer is received without any human involvement or verification? 

I am asking for your support and mediation with my Servicer and Investor to reach an agreement allowing me to keep my home. 


Best regards, XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX Phone number_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 2023-04-11
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, Thank you for helping resolve my issue. I am writing to request the PNC banking bonus of {$400.00} for having completed the terms of opening, funding, maintaining appropriate balance, and receiving direct deposits of over {$5000.00}. 

The account has received multiple direct depostis, as coded in the statements, that qualify it to receive the bonus. On XX/XX/XXXX it received a {$5000.00} deposit for work. I called and asked an attendant after receiving the paycheck and she said it would qualify me for the bonus ; however, to make sure I received it, I had another direct depost issued to me on XX/XX/XXXX in the amount of {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On multiple times I was charged for having the account when I wasnt supposed to be because of how much I deposited into account. Then came overdrafts I didnt approve nor had money in account to cover. Lastly I was over charged by a rental company and even tho I showed fraud they still have my account negative for such charges

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 2022-10-21
Company: MOHELA
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was discharged in 2009. Lender has refused to remove the discharged debt. The lender said that when I entered school it kept them from being able to discharge debt and that I would have to prove I could not pay the debt. I have called my attorney from XXXX and she said that this is not true. The lender has continued to refuse to remove debt. 

Credit companies- XXXX, XXXX, XXXX etc are allowing this to stay on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}

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 non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-11
Company: Uprova Credit, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I did not realize that this loan company was operating illegally in the state, they are charging an interest rate of 539 %. Which is extremely higher than the rate that is allowed in the state. I have reached out to them to have them consider my account settled for the many payments I have already made. They have not responded as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an Old Navy Rewards credit card. Recently they moved this card to Barclay 's. I never received the new card nor new statement. I received an email in XXXX, 2022 that I have an outstanding payment on my account but was unable to pay it since I don't have the new card to setup payment online. I called Barclay 's on XX/XX/2022, made a payment over the phone and the agent cancelled the missing credit card and requested a new card to be sent. The late payment fee of {$30.00}, was also reversed, per the agent. 

Then in XXXX, I received a statement that I owe {$64.00} ... all service charge. The agent that I spoke with the first time, didn't reverse the {$30.00} correctly, therefore, resulting in interest charge and additional late fees... now totaling {$64.00}. I once again called and the agent on the phone said, she can see that the first {$30.00} late fee was not reversed which resulted in additional late fees and interest charge. This agent said she will reverse all the late fees and interest charges on the account and at which time, I requested the account to be closed. I was assured the account is closed and all the fees are reversed. There will not be additional charges. 

Then in mid XXXX. I received a letter indicating that my account is closed as of XX/XX/2022 but there is an outstanding balance of {$67.00}. On XX/XX/2022 at XXXX XXXX  pacific time, I called Barclay 's once again and spoke with a XXXX. She reviewed the account, confirmed the account is closed and see that there is an outstanding balance because the fee reversals which was supposed to occur previous months didn't take place and additional service fees and late charges continues to be added to the account. XXXX has once again reversed all the lates fees and service charges and has assured me that the account is at a " XXXX '' balance. 

I won't be surprised if I see another statement in XXXX indicating a higher outstanding balance as more late fees and service charges are being added. I have no confidence that Barclays will take care of this issue, one that began when my account was transferred to Barclay 's and I never received the new card. 

The act of charging late fees on top of fees that was not reversed correctly is absolutely ridiculous. Having a customer call back multiple time to resolve one issue is unacceptable.

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 2022-06-04
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We have this Citi checking account ending in XXXX, that is linked to a brokerage account. The average monthly balance required to avoid the monthly fee in {$1500.00} in all combined accounts, and our combined balance in both accounts is well above this number. However, Citibank keeps charging a XXXX XXXX monthly fee each month. We called last month, and a rep acknowledged that everything was correctly set up and linked and the fee should not apply, and he removed the fee. However, Citibank charged the fee again this month. Upon speaking with a rep, she is saying that she is unable to access our account and then hung up the phone on us, when we asked her to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-01-13
Company: Experian Information Solutions 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:
I called XXXX, Experian and XXXX I informed them that their were inquiries on my consumer report that was unauthorized and that I do not recognize. I demanded that they remove these inquiries off my consumer report as I never gave them permission to report anything inaccurate and negatively on me. Pursuant to federal law Title 15 USC 1679c - Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or XXXX XXXX XXXX has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. Bankruptcy information can be reported for XXXX  years. This information is inaccurate, alleged, and defamation of character.

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 2022-06-04
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX DEPT OF ED/XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in TRANSUNION. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: NY
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:
Im accordance to the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1666- correction of billion errors ( Accounts ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
After reviewing my account I've made a payment in the amount of {$240.00} on XX/XX/2021. I'm aware that the transactions afterwards is fraudulent from Card # : XXXX. These transactions were unauthorized and someone has obtained my card information ( identity theft, fraud, error ). I didn't authorize or give ( consent ) for any such credit card purchases appearing on my account. Around the time this fraudulent activity occured I was incarcerated ( imprisonment ) So I am not liable. I'm disputing all charges that occured after XX/XX/2021 and requesting a charge back of my funds sent back to my credit card immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two accounts from the XXXX on XXXX were placed on my credit report. One account that stated I owed was verified to be inaccurate and promptly removed from my credit report. Rent Recovery was notified that there was a mistake in the accounts and that it should be removed as well. They refuse to do so. I have been contacting them for the past 2 years to no avail. I am told that it is in dispute and will not show up on my credit reports, yet it does. This is clearly a violation of the FDCPA which states that correct information should be updated in a timely manner. I need this account deleted from my credit report asap as I have waited for 2 years now and my account representative, XXXX XXXX, keeps placing me on hold or sending me to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CCS Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received debt collection notices of {$880.00} and {$74.00} from credit collection services for an account that I do not have with XXXX XXXX  My name is not even spelled correctly on the debt collection letters. Reference numbers are : XXXX XXXX XXXX ( pin : XXXX ) XXXX XXXX XXXX ( pin : XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery, I never received anything of a debt validation by mail. You reported this debt to the credit bureaus anyways damaging my credit. I request you send this debt back to the original creditor and immediate deletion of all reporting to the credit bureaus immediately. FCRA has strict guidelines on how a debt is supposed to be properly served and then reported on a consumer. This procedure has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX account is not mine. 
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-04-06
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:
XXXX XXXX XXXX XXXX. 
balance {$900.00} Date opened XX/XX/2022 XXXX XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$260.00}, {$150.00}, {$180.00} XXXX  Balance {$690.00} 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX Balance XXXX {$1200.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX  XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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

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