BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: SUCCESS MORTGAGE PARTNERS, INC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I started the pre approval process on a Mortgage loan with a company called Success Mortgage Partners Inc. based in XXXX, Florida. They came recommended by the Realty agent I've been working with. 
On XX/XX/2020 I was pre-approved for a Mortgage loan up to {$270000.00} and so I then proceeded to find a property that suited the needs of me and my family. Me and my wife are currently XXXX  our XXXX  child XXXX  in XXXX and we have XXXX XXXX year old boy as well. 
Naturally, we needed more space and thus had the need to acquire a property ( We currently rent ). We eventually found the right house for us under our budget at {$240000.00} and put in an offer which was countered and we accepted. After that, I continued the loan process with " Success Mortgage Partners '' providing documents, Signing the contract at a specific interest rate Paying the Escrow deposit to the title company, Having the house inspected etc. Everything seemed to be going well. When we got to the final stage of said process which is Underwriting, there were certain conditions that needed to be met which meant submitting additional documents which we were glad to provide. On XX/XX/XXXX, we were notified by phone call and email that all conditions were met and we were clear to close on the property. Me and my couldn't have been more excited being first time home owners and all. Our closing date had been scheduled ultimately for XX/XX/XXXX but we were trying for an early closing taking into consideration all that has been going on in the world so we were notified on the XXXX that we would be closing on Tuesday XX/XX/2020. Today XX/XX/XXXX, I received a phone call early morning from our lender at Success Mortgage that we were not going to be able to close and that the company had decided to pull the loan with no clear reason other than that the market had changed over the weekend and they were not able to sustain the loan. I find this completely unethical, unprofessional and unjust from their part. Even if I as a buyer were the one to pull out of the deal, there would've been repercussions and penalties I'm sure so I'm hoping there are some as well in place for them in order to protect people like me as a consumer. I am left in a complete state of uncertainty with my XXXX year old, and XXXX wife and possibly no place to live in a few weeks since i gave my landlord my final noticed the day I got my closing notice. 
Is there anything that can be done regarding this injustice?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We want to contact your office and tell you that Wells Fargo continues to block access to any options to save our home. We filed complaints last year against this company because they were making mistakes on the bankruptcy payments we had made and they took it very seriously and finally gave us the proper information. They also told us that they would be willing to review our family for loss mitigation options. Our situation is much better after Covid. My husband is working full time and I am working full time. Also two of my adult sons live with us and are contributing to the family bills. Our combined income is now over {$10000.00} per month. When we talked to Wells Fargo they said they would review our case if we have had a significant change in income. They denied us back in XX/XX/2022 when things were much worse. 

We collected all of the requested paperwork to show that we make more money and that we want to try and save our house but the Wells Fargo re-entry team said no, we don't care that you have doubled your income, we don't care that you want to save your house, we don't care that you might qualify for help, we are done with you. This is wrong. We believe with this large increase in income that we can afford a fair payment so that we can get back on track with our mortgage and Wells Fargo. We believe we at least deserve the chance for them to LOOK AT OUR PAPERWORK instead of just shutting us out. We are very frustrated with this company. We have tried very hard to work with them and pay them and did the bankruptcy so that we could pay them back over time, which worked until XXXX came. Now after XXXX we are doing much better and want to resume payments and I know we are far behind but we make a lot more money now so we feel they should at least look at and review the current financial situation to see if there are any programs we qualify for to save our house.

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 2017-05-19
Company: PNC Bank N.A.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My complaint being filed is agai nst PNC Bank. I have been receiving documents for over one year that belong to another person that lived at my current address three years ago. I have called and written PNC Bank to delete my address from this person 's account, but can not get any response fr om them.     On  XXXX   XXXX   2017 , I received a letter from a collection agency,  XXXX   XXXX   XXXX , in regard to this person 's account with the bank . PNC Ba nk gave the collection agency MY address and therefore, I am now receiving letters fro m PNC  Bank and  XXXX   XXXX   XXXX  in regard to an account that does not belong to me.     Documentation is attached to my complaint. I am tired of being harassed by PNC Bank and now they have shared my personal address with a collection agency, that is also harassing me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was taken advantage of due to malpractic while severals laws were being broken under the FCRA by your company. This has caused me financial injury, it has caused me defamation of character. I can't get a job, I can't apply for credit. You have hurt my ability to obtain credit and I need this problem resolved.

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 2023-04-29
Company: NBT BANCORP INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage lender NBT Bank has denied us access to government programs to help struggling homeowners and we are now in the first stages of foreclosure. My husband and I bought our home with a USDA loan and live here with our XXXX boys, ages XXXX, XXXX and XXXX. We had financial struggles during Covid and contacted our lender NBT Bank to see if they could offer any type of help. The agent was rude and condescending and said there were no programs except for find a way to pay us or we will take your house. I was not able to work due to Covid shutting down my position and we did not know about the CARES act forbearance and did not know that there were any loan modification programs for distressed homeowners and NBT Bank did not want to tell us about any options. We were very frightened and had to apply for a loan from my husband 's 401K to get caught up, a loan we are still having to make payments on from my husbands check. After getting caught up and going back to work we had no problems with payments for about a year until I got XXXX and it was a XXXX XXXX XXXXXXXX and the doctor told me I needed to stay off my feet and again we lost my income and the good news now we have a healthy XXXX XXXX XXXX son but it was hard to keep up with the mortgage payments. We contacted NBT Bank to see if they would work with us on the payments or if they could help us, and they said we would have to pay 100 % of missed payments and late fees and legal fees or they would put us into foreclosure. We just got letter from Attorney last week and we are now in foreclosure. My husband has a good job, he has worked as a XXXX  and is now the XXXX XXXXXXXX XXXXXXXX at the local XXXX XXXX. I had been working as a XXXX XXXX but when Covid came they shut down my district for XXXX. A few months after I went back to work I became pregnant and we lost my income again. At this time my husband has taken a second job working as a XXXX XXXX XXXX XXXX. We no longer have a problem with the mortgage payment, the only issue is that NBT Bank is telling us we need to pay them {$15000.00} in one payment or we are going to lose our house. We now know that NBT Bank is required as a servicer of a USDA loan to consider us for several different distressed homeowner options which they have told us did not exist in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
Notice of Dispute! Ive recently Pulled a Copy Of my Credit File From Experian, XXXX XXXX XXXX. Its very Concerning that theyve Failed to Notify me within ( 5 ) Days of any Transactions and Experience That Was Being Furnished. As The Original Creditor and Authorized Beneficiary These Transactions was shared Without Consent Nor did My Family Benefit From them They are Damaging my Consumer Report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRES Remove all Inquiries From Experian, XXXX XXXX XXXX Dated From XXXX to XX/XX/2023. Per I Have no Written Contract or Agreement with any of the Furnishers thats listed I Authorize The Consumer Protection Bureau to Investigate and Remove All Unauthorized Items Under The GLBA and Privacy Act ( 15 ) Calendar Days To Comply or Any and all Legal Rights will be granted

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 2023-08-20
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2019-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I noticed the " Portfolio Recovery '' account ( original creditor was XXXX XXXX  XXXX XXXX was still in collections a few weeks ago. I had paid this debt back in XX/XX/19. 

I have a link to display the debt that was paid, but it states to not include any personal information on here. I have a case number that shows all the information of the collected debt, I disputed this debt through XXXX XXXX  a few weeks ago and the result came back with " Account information disputed by consumer, meets FCRA requirements. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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 requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802

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 2019-06-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Step 2 : What type of problem are you having? 
My due date is XXXX of XXXX my payment due is under {$30.00} I made a payment on XX/XX/XXXX for {$80.00} after being told by a best buy representative that the payment of {$150.00} was processed on XX/XX/XXXX but the payment of {$27.00} was due for XX/XX/XXXX. 

Step 3 : What happened? 

Upon calling the automated system XXXX I saw that a payment was still due for XX/XX/XXXX I called a rep of Citi cards that inforned me that the statement hadnt fallen when I made the XX/XX/XXXX payment and she would not be able to fix the system so that I wouldnt get a late fee. Upon speaking with a supervisor which very rudely explained that the new statement drops on XX/XX/XXXX but was unable to provide any understanding as to how the rep saw the statement/payment due before the statement dropped and very rudely herself pushed me to make a payment one day before it cycled as due. When I asked about the XXXX payment and why it hadnt gone toward XXXX, she answered in a very curt tone saying she knows nothing about how payments are accessed. I would need to call Citi bank Step 4 : What company is this complaint about? 
Best Buy/Citi bank

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 2023-04-29
Company: LEXISNEXIS
State: IL
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 requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This complaint includes both private and federal student loans. I went into the military in XX/XX/XXXX and received a XXXX student loan repayment incentive ( XXXX actual paid, XXXX went to taxes ). AES owned all my loans at the time, ( XXXX total loans, XXXX private and XXXX federal ). The military made the first payment of XXXX around or about XX/XX/XXXX. After receiving the first payment AES applied the money to each loan instead of paying off my private ones first, as I requested. After the first payment of XXXX AES sold my federal loans to XXXX, but they sold them for the amount of the loans before the XXXX payment was made from the military. Another payment of XXXX was made XX/XX/XXXX but the amount of my loans has not decreased much ; I initially owed XXXX, after the XXXX was paid they are still saying I owe over XXXX. This makes no sense and I have tried to speak with both AES and XXXX many times. They never give me a straight answer. They 've told me that the majority of the money paid by the military was paid to the interest on my student loans, which they are not suppose to do, they are suppose to pay it toward the principle. Another issue is that I had to claim the XXXX from the military as income, of which XXXX was taken for taxes. I am never on the phone less than an hour when I call them and I have still never had resolve and I have been dealing with them for years. One of the main reasons I went into the military was to get the majority of my student loans paid off. I am now a XXXX veteran and I am beyond fustrated with trying to get my student loans figured out.

Company response to consumer: Closed with monetary relief