BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a continuous complaint to complaint id XXXX. XX/XX/2019 I made payment to my mortgage company, it was returned due to me having fraud attempts on my bank account. Once I found I contacted my bank immediately to resolve this issue. Issue was resolved and I contacted the mortgage company to apologize and to resubmit payment. Payment was accepted and was advised by XXXX that the returned payment took me out of the modification program. I asked her why she said because during the trial payment I am not allowed to be late or have a payment returned. I continued to dispute it as I am no longer on the trial payments as that ended in XX/XX/XXXX and now XX/XX/XXXX placed me in the stage of starting over, which means I complied with the trial and am now given an opportunity to start fresh in XX/XX/XXXX. As the Agreement that I signed did not state that "if a payment is returned that the modification Agreement would be terminated". I have attached a copy of same for your review. I have attempted to make my XX/XX/XXXX mortgage payment under the modification agreement and was advised that it would not be accepted and I received a notification from XXXX and XXXX that LoanCare has marked my mortgage payment late. I am in desperate need of your help. I am a XXXX mother of XXXX kids and I am trying my hardest to keep my house but this company is doing everything possible to keep me from that.

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 2018-02-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Originally the 1st year there were no problems in XXXX, however, when I recharged up my XXXX I had {$200.00} of credit in XXXX now they will not credit my account correctly to ever pay my account down. In XXXX XXXX I owed approximately {$270.00} per the statement if I paid all minimum amounts due which I have in 3 years it would be paid off. I have paid all minimum amounts due every month and on time all months since then except 2 months so only for 2 months should I have had late fees and other fees. All other months were paid 1-4 days early and no matter if I paid in the store, by mail or online directly to XXXX XXXX even if they promise to charge no more late fees still they do. So today my account is over {$820.00} on many occasions I have complained to them still they will not credit my account properly without adding all kinds of late fees and other fees. 
Then in XXXX they sent me a special notice my credit was available for {$350.00} and t go shopping for XXXX. I had not charged anything all last year. So I paid my friend to drive me & spent over an hour made sure when entering the store I had {$350.00} credit they said yes. Then they denied me since I could not find my card so I found my card they had made me put back all items so I spent another 1 hour finding my items again and then they denied me again saying my balance on my card was too high ( of course because they did not credit me properly and added on too many late fees when my payment was not late and too many other fees. Now they took my credit score from XXXX to XXXX last I checked. I am very upset over this. Can you please help me? Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to inform you that I have sent letters to creditors asking for documentations, but have not received any response. I am concerned that the creditors are not responding to my requests, and have not received the requested information till this day. I also provided in the letter where to have the requested mail to. 

The first letter was sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX '' delivered XX/XX/XXXX '' XXXX XXXX XXXX I have enclosed copies of the letters I sent to the creditors and all of the relevant documents that I believe are necessary for the CFPB to review my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Monterey Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Monterey Financial Collections in California working on behalf of XXXX XXXX XXXX a Timeshare company in XXXX. We were coerced into buying a timeshare in which we were held all day and the only way to leave was to sign a contract. When trying to get out of the contract we were told that this had to be done within 3 days ; however, we didn't get the documents until 7 days later. 
So, we stopped paying! Now, they turned over to collection company in the US. Each month they continue to add ridiculous amount of interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 XXXX Called Shellpoint/NewRez to check status of escrow analysis, was told it was in process and company has until XX/XX/XXXX to complete. 
XX/XX/2020 XXXX Called Shellppoint/NewRez to advise still no escrow analysis received, XXXX advised he ordered on " super expedited '' and request should be complete within 1-2 days, and in my mailbox by " next week '' XX/XX/2020 XXXX Called Shellpoint/NewRez for status of escrow analysis, was informed payment due increased due to having 2 homeowners insurance policies. Was on the phone with XXXX XXXX, I was informed that XXXX policies were being charged on escrow, I emailed XXXX Page of the correct and only policy, and this was corrected to one homeowners insurance policy. New escrow analysis ordered. Was advised request was " expedited '' and should be complete by end of week. 
XX/XX/2020 XXXX ( XXXX ) Called Shellpoint/NewRez for status of escrow analysis, will be done by Weds, feel free to call us on Weds for results/information. 
XX/XX/2020 XXXX Called Shellpoint/NewRez, ( XXXX XXXX the XXXX ) not completed yet, call back in a few hours if you'd like. I hung up disgusted and angry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a checking account with PNC Bank, the company I work for pays me with a check and every time I deposit my check the money is available the very next day except my most recent check which I deposited on XX/XX/2023. The next day I get a message from PNC Bank saying that my deposit is being held for reasons beyond their control but when I called my boss ( check issuer ), he called his bank and the said that the check was paid the same day it was deposited. So why is PNC holding specially when I live paycheck to paycheck and I have automatic payments coming after my deposit? PNC Bank then decided to pay the items presented as automatic withdrawals and then proceeded to charge me {$36.00} as overdraft item fee. This is a practice I have seen other banks do because they have done it to my spouse and I think it should be illegal.

Company response to consumer: In progress
Consumer complaint received 2020-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent an email to captial one so i can get my missed payments removed from the account. They are from XX/XX/XXXX through XX/XX/XXXX. I lost a job and my apartment and could not make payments. They tried working wiht me. I have asked them to remove my late payments they replied with letters stating they report all acurate information and to send the dates that was not accurate. The same thing happened in XXXX of XXXX through XX/XX/XXXX. This was due to me moving and again lost another job. Now I am looking at working for myself as a XXXX  XXXX. I have asked for help in spite of covid19. I wrote them a letter on XX/XX/XXXX stating all of the dates i was late and asked for a removal. They gave me a letter saying thatI need to provide my information again. Im not sure why i keep getting this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we received a loan modification that extended our mortgage term from 30 years to 40 years that included our unpaid deferred payments with a new mortgage payment of {$3000.00}. We signed loan modification documents twice, the 2nd time we signed our loan modification offer was on XX/XX/XXXX. 

Today we received a new loan mortgage payment statement stating that we now have an Escrow shortage of {$8100.00} raising our agreed to modified mortgage payment of {$3000.00} to now {$3700.00}. 

There is no way we can afford this increased mortgage payment since I had to retire on social security income due to on going health issues at my age of XXXX XXXX XXXX due to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Why was this Escrow shortage not included in my recent loan modification?

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 2019-01-23
Company: EQUIFAX, INC.
State: OH
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 had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that XXXX XXXX deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: AES/PHEAA
State: CA
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 believe I am eligible for loan forgiveness through the PSFL program. I submitted employment certification documentation for the two employers I've had since XXXX. I first submitted paperwork back in XXXX of XXXX and was later told they didn't have it. I resubmitted it again around XX/XX/XXXX and waited a couple of weeks to give them time for processing. When I called back I was told it was under review and could take months to show on my account. I didn't press it because there is a moratorium on payments due to COVID, but then I tried to call again today because I'm certain I have the eligible number of payments to have my loans forgiven under the new waiver program. I have currently been on hold for over 3 hours and when two humans finally picked up, it was to transfer me or hear my question for less than 1 minute and then put me back on hold for another hour. Fed Loan Servicing is a terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, 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:
Upon an investigation by the CFPB and supplied to the state attorney general, the creditor agreed to remove a late payment from the account. ( I will attach the CFPB documentation from the creditor ). Specifically, page 3, creditors statement of removal.

This late payment was wrongly placed on the report while on deferment for COVID affected status, thus wrongfully and illegally going against federal law.

However, although it shows no late payments, Equifax will not remove the negative inquiry and failed to conduct due diligence and read the removal request from the XXXX XXXX. 

Equifax will not accept the creditor 's statement to remove the late payment. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, 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:
I am one of the huge number of people who was affected by the data breach with Equifax. To say that I am disgusted is an understatement. They are offering protection for a year ... but what happens after that? I never agreed to them even having my information and yet they allowed this to happen without my consent. Something needs to be done to protect those of us who were part of the issue. There needs to be a solution beyond the hope and pray and forcing us to pay for protection to the company that leaked the information in the first place. Sounds a bit like a great way to boost business. Leak information an then charge people to protect them from the leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  ; Experian and XXXX  are failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX  partial account number XXXX ; XXXX XXXX account number XXXX and XXXX/XXXX  partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent out to XXXX XXXX XXXX partial account number XXXX. Experian is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) My current credit report stills shows these accounts as Accounts not Dispute. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
I respectfully request that the ( 3 ) bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-10-13
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, our automatically bank deducted mortgage payment was short due to a rise in taxes in Escrow. We were short {$270.00}. We never received notification from the mortgage company Mr. Cooper that our monthly payment had increased and we payed this electronically on the 1st of every month. I received a text on XX/XX/XXXX saying our account needed attention. I spoke with them on the phone that day, and they explained to us that there was an increase. We paid the additional {$270.00} that day and the representative explained to us it would no way impact our credit score. We then found out that our credit at decreased by over 80 points because the payment was  reported as late. This was only a partial payment was late. We still paid our monthly mortgage on time as we always do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the pandemic earlier this year, I opted to apply for a forbearance and my mortgage company Dovenmuehle mortgage allowed me to skip 3 payments between XXXX and XXXX. On XX/XX/2020 I applied for a deferment so that the balance due can be applied to the end of the loan term ; initially I was told this would take between 45 to 60 days. Since at least mid XX/XX/2020 I have been calling to find out the status of the loan and I'm always told " you should have a response within a week or so ''. I have been calling consistently ( more than 10 times in the last 3 months ). I have even requested for managers to give me a call and they have failed to do so. Now, it's been nearly 4 months and I have yet to hear from them. I have not been provided an update neither by mail or phone. I have been trying to refinance my mortgage since rates have gone significantly down with another lender and I am not able to do this because of this company 's gross negligence. While I am in this process another lender will not finance me. This company is causing me to continue to pay more interest in my current mortgage because of their refusal to do their job and work on my deferment. It shouldn't take nearly 4 months for a mortgage company to handle such a request. It is NOT my problem that they're running behind ; they've had more than enough time to hire other individuals or pay overtime to assist with the extra workload. I want to file a personal Complaint and I may need to file a lawsuit given that this is abuse of power. They're holding my mortgage and me XXXX to this company! I'm sure I am not the only individual that has been wronged by this company and this should be looked into as a class action lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

The dates below are some when I have sent out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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: In progress
Consumer complaint received 2020-10-13
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My child supports acct was hacked. The card is in my possession but someone was able to use it today first at XXXX store for {$5.00} followed by 2 seperate charges at XXXX  XXXX  XXXX both in the amount of {$99.00} and the last charge that emptied my acct was to XXXX XXXX  # XXXX. After speaking with XXXX XXXX and in store managment they refused to reverce my pending charges. I called XXXX  and was unable to reach anyone on the phone as it keep me in the automated sytems. I reported my card stolen immediatly through the automated systems and have called about 12 times and on hold from anywhere from 5 mins to 2 hours. I was trying to get to them before the charges where no longer pending but unsuccessfully. I cam across this site in a message board with many others that have this same problem with  XXXX cards. Hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hospital was given my insurance, never billed them. 

Sold debt to NAR and I have given them the policy info and they refuse to bill it or remove it from my reports.

Company response to consumer: Closed with explanation