BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I called Paramount Residential Mortgage Group ( prmg.net, the lender ) for a credit dispute due to an error in the system earlier in the summer ( I did not find out about this error until XX/XX/XXXX when trying to open another loan ). The new lender said I would not be able to proceed with the loan until this credit dispute would be resolved, or at the very least until I'd receive a letter from PRMG explaining that this delinquency was not my fault. My loan # is XXXX and it's serviced by NJ branch of this business. 

After 3 representatives who had problems with their phone ( many of their reps seem to have bad phone lines w/ static ) I was finally transferred to a representative who could hear me. The lady on the phone was polite, and she claimed to have opened 2 work orders : XXXX being the dispute with the credit bureau and another a request for this internal letter from another department ( why their own department is able to see that the error was indeed due to a faulty auto-pay system but isn't able to issue this letter that would take all of 15 minutes to write is beyond me ). She also took down my email for the digital copy of the letter to be mailed to. This conversation took place on XX/XX/XXXX, she promised 7 business days for both. 

I called back on XX/XX/XXXX to confirm that both work orders were being processed, the girl said to expect the credit dispute done by XX/XX/XXXX and the internal letter with explanation for the new lender by " next Monday '' ( XX/XX/XXXX ). Today, after not receiving the letter I called again ( and also encountered 3 reps with bad phones before getting to one that could talk almost 2 hours later ). She said she had the letter in hand and would email it to me. 4 hours later, after no email, I called again, only to be told that no work order for the letter from XX/XX/XXXX exists and it was just recently opened earlier that day. I was told to expect it by XX/XX/XXXX. I asked to be forwarded to the manager, but instead was put back on hold and returned back to the main phone prompt. The manager seemed to be avoiding me. 

Either I was lied to both on XX/XX/XXXX and XX/XX/XXXX by different individuals or their system is broken. This letter explaining that the delinquency was due to error with their autopay system and not my own doing was requested back on XX/XX/XXXX and I need it urgently to proceed with another loan. They lied to me about processing this letter, and about 7-business day turnaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar took over my mortgage XX/XX/XXXX. I have a sale date for XX/XX/XXXX. My advocate, XXXX XXXX contacted Nationstar prior to the XXXX XXXX, and days and every week but they did n't have me on record yet to work with them. XXXX XXXX dated letter with loan specialist XXXX XXXX was received on XXXX XXXX. On XXXX XXXX XXXX XXXX filed application for short sale, ( I had to file bankruptcy since XXXX after 4 years as I thought we were at modification instead, notification of transfer soon after sale date ) modification application could n't be done until BK was dismissed. My BK was dismissed the end of XXXX and my advocate spoke to Nationstar XXXX XXXX for modification application and was told my mod app was closed on XXXX XXXX because it was opened on XXXX XXXX and no paperwork was presented. What? He was also told you ca n't have application for modification and one for short sale at the same time. So short sale application was stopped and I called XXXX XXXX for modification application by email and mail. Nationstar sent my loan specialist XXXX XXXX dated XXXX XXXX received XXXX XXXX. I mailed application in XXXX XXXX it was returned to me on XXXX XXXX with zip code incorrect. I had returned XXXX XXXX 's phone call missed on the XXXX and again the XXXX now to get her fax number to send application to her directly. Then 3 calls that XXXX because now I 'm in a panic because I received sale date for XXXX XXXX. Finally XXXX returned my call and I was told too late with sale date for modification or short sale. Also told she would present a buyer with escrow proof etc. Have my advocate call with their details and she 'll present it. He called a couple of times with the 24-48 to return your call and no return call at all. I had so hoped for the opportunity for a fair chance to modify. XXXX XXXX and their lawyers XXXX XXXX XXXX have tried to steal my home over originally less than {$3200.00} and their 5 % interest only mortgage. With lawyers and advocates, organization helping to save my house? XXXX adults together with income over $ XXXX./mo. My mom XXXX and I have been there since XXXX, XXXX. My daughter and their family since XXXX. Grandchildren are set in progress schools in specific districts. My second daughter with XXXX from XXXX XXXX in her home is back here last week, back in a XXXX after a year of improvement, since her rental has XXXX XXXX now. After returned checks, chapter XXXX we have tried desperately to intelligently save our home. I could n't rent a room with my credit now. I can not believe I ca n't get the chance for help from these programs. I 'm a spec in the ocean. So sad and unfair. The payments and monies I 've spent to have nothing paid on principle. The arrears with all the legal fees, a crime, but I still want stay in our home and pay for it!! We are good, honest people. We are NOT trying to con or not pay. We are trying to save our home!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am asking to be removed from Macy 's account ending in XXXX. I have already asked Macy 's three times to be removed from the joint account with my ex-wife ( XXXX XXXX ). I sent Macy 's a letter on XX/XX/XXXX, again on XX/XX/XXXX and again on XX/XX/XXXX. All three times asking to have my name removed from this account. I have received two letters from Macy 's, one dated XX/XX/XXXX and the other dated XX/XX/XXXX. Both letters saying that Macy 's would investigate my request. This account was issued to my ex-wife and I on XX/XX/XXXX. I no longer live at the same address as my ex-wife. She and I are now divorced since XX/XX/XXXX. I wish to have my name completely removed from this account. I do not want to be held responsible for any charges to this 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 explanation
Consumer complaint received 2019-08-06
Company: Automotive Services Finance, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account is still on my credit and should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I SETTLED THIS DISPUTED DEBT IN FULL PER THE PER THE TERMS OF PRA OFFER TO XXXX  THE BALANCE AND REMOVE NEGATIVE CREDIT REPORTING. AFTER I PAID MY AGREED UPON SETTLEMENT AMOUNT THEY ARE ATTEMPTING TO COLLECT THE BALANCE OF THE ORIGINAL DISPUTED BALANCE AND HAVE NOT REMOVED THE NEGATIVE COLLECTIONS ACCOUNT FROM THE CREDIT REPORTING AGENCIES. THIS IS PURELY SIMPLE FINANCIAL FRAUD AND MUST BE PUNISHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: GA
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:
I have two fraudulent accounts and three inquiries On my credit report. 
Accounts 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As stated in numerous prior CFPB complaints filed since XX/XX/XXXX, a closeout check in the amount of {$4200.00} was not received, intercepted while I was on vacation. Prior to this, I deposited check into my XXXX account, now XXXX XXXX, on XX/XX/XXXX, left for vacation the next day. A stop payment was placed on check prematurely by Capital One rep, check reissued and sent XXXX next day. It was intercepted and cashed by another party, my signature forged, which I've detailed numerous times in prior complaints in re. An affidavit was signed, sent in to Capital One, did not hear back in re, reps do not have any information. The bank check was cashed at, XXXX XXXX, did not receive any information from Capital One and since reps on Capital One side refused to reach out to XXXX XXXX, I had to look up person whom cashed check and attempt resolution. I spoke with person at length, agreed to reimburse me but check provided did not clear my bank. Needless to say, I am still owed funds from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: NATIONSTAR MORTGAGE LLC
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Starting in XXXX of 2015, nationstar mortgage company claimed that we were {$3100.00} behind. We paid this in full through our local bank via wire transfer. They stated the foreclosure was no longer a threat. We resumed our regular monthly payments of {$720.00} for seven more months. Then they claimed that we were over {$10000.00} behind on our mortgage. Our records do not agree with what nation star has. At this time we went to our local bank to get help with refinance. Our banker pulled up our account through nation star online and discovered that our payments had been raised for the third time to {$1000.00}. We had not been notified of this payment increase. Our original line of credit is a fixed interest rate. Our payments went from {$630.00} to {$1000.00}. We have went to several local banks and private people to try and get help to pay nation star off. Nobody is willing to help us due to everybody being afraid of the foreclosure. Also we have discovered through the local deeds office that nationstar has 3 mortgages on our house. A local banker stated that no financial institution will help us with having 3 mortgages on one house. This backs us into a corner to where we can not get help to recover our house. Our attorney 's records show that one of those mortgages has been paid in full yet nationstar refuses to take one of those mortgages off the deeds list. They have changed lost of things within our loan which is illegal because they are just a servicer of our loan ... ... not the actual loan holder. They have also added an escrow that we have never had and that we never agreed to. Our banker or our attorney can not make sense of their bookwork or paperwork on our mortgage. It is just random numbers and letters that do n't state what they are for. They do n't even show when a payment is made or even the wire transfer that was made for {$3100.00}. They have offered us a modification but then denied it because of my self employment as a daycare provider. Our loan is a 10 year old loan with only 3 years left. The mortgage amount went from {$30000.00} to them {$49000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently sent around XX/XX/2020, a complaint to this company XXXX XXXX XXXX XXXX stating that the information on my credit report was inaccurate. Their response was they verified the information but did not disclose the method they used to verify if it's accurate. I'm requesting another investigation and requesting that this charge off is removed from my credit report immediately. The 3 credit bureaus are reporting my paid-off account as a charge-off. This account has been settled and needs to be taken off my credit report immediately. These negative items are preventing me from qualifying for a home loan or car loan which is crucial especially during this pandemic where things can change overnight.

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 2020-03-21
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage account with US Bank. I have had this account for over 5 years. I have never missed a payment on this account. I have paid my mortgage on the XXXX  friday of every month for the last 65 months. Being that interest are at a all time low i decided to refinance my mortgage. While in the process of refinancing my mortgage US Bank now say that i owe them {$2100.00} in late fee 's. Of all my financial commitments over the years i have never heard of such and outrageous amount of any fees on any account. As i remember when i did the loan i remember on the application US Bank asking of my race. I really think that by me indicating that i am XXXX or XXXX XXXX that US Bank is trying to put me into a financial hardship or trying to drive me away due to my race. With todays Pandemic going on around the world and many people now experiencing financial hardships i think it should be know to the world what US Bank is doing to people. Also i would like to recommend to all others that when US Bank ask of someones race its best to not answer. If this was a legitimate amount owed what respectable financial institution would allow 65 late payments in a row unless they were trying to establish a financial hardship upon someone.

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 2023-12-13
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2023 I called Chrysler Capital to report a XXXX XXXX Payment towards the balance of my car loan. The payment made was for {$1200.00}. I spoke to agent by the name of XXXX. XXXX provided that her XXXX Employee Agent Number was XXXX. I provided her with the XXXX XXXX reference number that is required a XXXX XXXX payment is completed. Up to date the payment I made of {$1200.00} has not been posted on my account towards my car loan. Today, XX/XX/2023, I called back to follow-up on why the payment has still not posted on my car loan. The first agent I spoke with stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. The agent immediately stated that I was 116 days past due and owe a payment of {$2200.00} and hang up on me. I called back and get a different agent. The agent stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. The agent immediately stated that I was 116 days past due and owe a payment of {$2200.00} and there is nothing that she can do to help me, other than notate the account as it is XXXX XXXX XXXX responsibility to find Chrysler Capital and pay them. I requested to speak to a Supervisor. The supervisor stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. XXXX provided that I was 116 days past due and owe a payment of {$2200.00} and there is nothing that she can do to help me other than notate the account as it is XXXX XXXX XXXX responsibility to find Chrysler Capital and pay Chrysler Capital. XXXX further provided that XXXX XXXX reference number for the payment I made of {$1200.00} on XX/XX/2023 was not sufficient enough information which is the opposite of Chrysler Capital expectations that specifically states on their website that to be sure** to call Chrysler Capital at ( XXXX ) XXXX with your reference number or master transfer control number once you have completed the payment process. ** My issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: TX
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:
DID NOT RECEIVE NOTICE WITHIN 5 DAYS of Determination as required by LAW.

This is my second attempt in communicating with your offices. In Exhibit A is attached the first letter sent.

All items in Exhibit B, C, D, E, F, G, H, I are invalid, innacuare, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating those non-complaint unverifiable accounts on my consumer report.

I have not received any confirmation on how these alleged accounts were verified attached in exhibits B, C, D, E, F, G, H, I and therefore request that you consider this as a final notice to your offices. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting.

I have not received confirmation or certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certificate of testimony that the alleged accounts presented in exhibits, B, C, D, E, F, G, H, I are in fact compliant and not subterfuge. 
****This entry is from Affidavit of Truth served to XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
SECOND ADDENDUM TO XXXX. THIS SERVES AS AN ADDENDUMM TO COMPLAINT NUMBER XXXX REGARDING XXXX XXXX XXXX XXXX XXXX TEXAS XXXX THE COMPLAINT WAS FILED DUE TO LOOKING AT PROPERTY IN TEXAS DUE TO RELOCATION, AFTER INVESTIGATING WE FOUND FRAUD ACTIVITY ON THE HOME. RECEIVED A RESPONSE FROM PNC STATING THEY HAD NO INVOLVEMENT WITH THE HOME. I AM ATTACHING SUPPORTING DOCUMENTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PURCHASED THE HOME IN XXXX XXXX NO FRAUD THAN WHY DID XXXX XXXX PURCHASE THE HOME. 3. PNC AND XXXXXXXX XXXX ARE CONNECTED, XXXX. WE ARE VICTIMS OF MORTGAGE FRAUD TO INCLUDE BASICALLY EVERY BANK CONNECTED TO XXXXXXXX XXXX XXXX UTILIZED AND EACH REAL AND COMMERCIAL PROPERY WAS STOLEN FROM US VIA THE XXXX TRUSTEE AND JUDGE BECAUSE THEIR COLLEAGES UTILIZED XXXX TO PURCHASE HOMES PRIOR. XXXX. INDIVIDUALS ARE THINKING THEY ARE RECEIVING LOANS FOR MORTGAGES BUT THEY ARE PAYING THE MORTGAGE OF THE SXXXX XXXX. TRUST AND BELIEVE WE ARE NOW EXPERTS ON THIS PROCESS AND WILL FOREVER HOLD EACH PERSON AND ENTITIY ACCOUNTABLE BECAUSE PAYBACK AND RESTORATION TO US WILL TAKE PLACE, THERE ARE NO OTHER OPTIONS. WE WANT ALL PERSONS WHO UTILIZED OUR CREDIT AND IDENTITY TO BECOME WEALTHIER CHARGED AND INDICTED! 8. NOW THE POWERS TO BE KNOW WE ARE NO JOKE. THE WORD IS OUT AND HOMEOWNERS ARE BEGINNING TO SUE THE PANTS OFF OF ENTERPRISES AND THEY SHOULD. 9. WE WILL NOT LET INDIVIDUALS BE VIOLATED KNOWING WHAT IS TAKING PLACE. NEW REZ IS A CRIMINAL ENTERPRISE. GIVEN WHAT HAPPEN TO US AND WHAT THEY DID ILLEGALLY THEY NEED TO GIVE US THIS HOUSE FOR FREE TOTALLY RESTORED BOTH INSIDE AND OUT REAL TALK. THESE ENTERPRISES ARE RUNNING LIKE CRAZY TO COVER ALL THE FRAUD ESPECIALLY PERTAINING TO US BECAUSE THEY KNOW THE PAYBACK IS GOING TO BE FIANCIALY ASTRONOMICAL! WE WILL NOT LET THIS BEHAVIOR CONTINUE BY THESE BANKS AND COMPANIES. HOMEOWNERS ARE BEING EDUCATED! THE CREDIT BUREAUS ARE INVOLVED AS WELL. EVERYONE KNOWS WHO OWN THE XXXX 'S. THERE ARE NO BREECHES. SALE THAT STORY RO SOMEONE ELSE, THE XXXX 'S ARE THE BREECHES! 

PNC IS LISTED AS A MORTGAGE COMPANY WITH THE THIRD UPLOAD.

Company response to consumer: Closed with explanation