BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been paying the mortgage to my house which was Deeded to me for over 27 years and I have been only person communicating with PNC Mortgage who had been aware of this situation for over 25 years. MY first complaint that I would like to report concerning the PNC Mortgage is they informed me that I was behind one month in my mortgage in 2017, therefore I asked if they could provide me with the month and date that I supposed to have missed payment. PNC Mortgage provided me the information with the check number and date as they identified as the missing payment. I submitted back to PNC proof of payment along with the check number that it was paid and pointed out their mistake and they still refused to correct the issue and credit my account. PNC Mortgage continue to let by account accumulate late charges for years. Now I'm experience a hardship situation from being laid off my job in and after receiving help from the Save the Dream Mortgage Assistant program. PNC agreed to receive payment of 9 months for me from Save the Dream and did so. Now the months have ended and I'm was receiving unemployment the are refusing to work with me. My house was purchased with XXXX family member on the original loan, however XXXX people are decreased and the XXXX remaining living family member has never lived at the address and has no interested in the property. I submitted all documentation PNC Mortgage has asked me for and they still continue to giving the the run around and straight answer. Please if you would look into this matter and let me know if I could keep my house as I as wish to due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For 6 over six years I have been asking XXXX EQUIFAX AND XXXX to correct my personal information from my credit file the bureau refused I have been denied credit apartment or I may never get a job because personal information did not match when I apply for credit I submit to the credit bureau several time a copy of social security card my passport card copy my driver license copy of my tax bill from the IRS the credit bureau listed I was born on XX/XX/1978 my date of birth is XXXX/XXXX/1978 SSN # XXXX my current legal name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I closed and paid off the balance on a CB Indigo GF credit card back in XXXX. The credit card company keeps harassing me via cell phone and keeps adding interest to a XXXX balance. I got nowhere talking to them. I contacted XXXX.com and disputed the charges. It was resolved and removed. Then a XXXX time CB Indigo GF began charging me interest upon interest on a XXXX balance and XXXX XXXX  score was affected on my Experian.com account once again! I contacted XXXX again and opened another dispute and it was resolved and removed. Today I see CB Indigo GF credit card is back on my XXXX account a THIRD TIME as of this month!! I contacted XXXX via phone and they advised me to contact you. Please get rid of this company who continues to harass me and tries to destroy XXXX XXXX  with these bogus claims of, now, 150 days late of payments!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see complaint # XXXX ; We have received your response on behalf of Mr. Cooper, our loan # XXXX. The modification documents were reviewed for fairness and proper financial structure and it was determined that the most common and basic modification using 31 % of gross income and no other liabilities or circumstances were considered. As such, modification document signatures are being completed and forwarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: WA
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:
Account name : XXXX XXXX XXXXXXXX CARD Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : Closed. {$450.00} written off. 

Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2019-03-30
Company: Freedom Mortgage Company
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Claimant allegedly became obligated for a loan on XX/XX/XXXX,  however, the alleged NOTE was not signed until XX/XX/XXXX,  XX/XX/XXXX. 
An alleged, loan servicer was assigned on or aboutXX/XX/XXXX XX/XX/XXXX, to collect payments on the alleged loan, and claimants made " good faith '' payments under the assumption that a valid debt existed. 
Claimant sent NOTICE to the President of the company that was the alleged lender on the NOTE on XX/XX/XXXX, by certified mail, requesting clarification of the NOTE terms, no valid clarification was received. See Exhibit A Claimant sent a second NOTICE to the President of the alleged loan company, by certified mail, on XX/XX/XXXX, seeking clarification of the alleged debt, no valid clarification was received. See exhibit B Claimant sent Notice to the Title Company that performed the Closing on the alleged Loan on XX/XX/XXXX, requesting specific information about the alleged loan for verification purposes. No response was provided. See Exhibit C Claimant sent a second Notice by certified mail, to the Title Company for a response on XX/XX/XXXX, no response was provided. See Exhibit D Claimant sent the alleged Servicer a Qualified Written Request ( QWR ) by certified mail on XX/XX/XXXX, the debt was not validated nor did the Servicer provide the name and address of the NOTE HOLDER. See Exhibit E Claimant sent the current alleged Service a QWR on XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, by certified mail the alleged debt was not validated nor did the Servicer provide the name and address of the current NOTE HOLDER. See Exhibit F Claimant sent a Notice of Error and Demand for Proof of Claim by certified mail on XX/XX/XXXX, to the current alleged Service. No valid response provided. 
The current servicer who is a third party " debt collector '' failed to send notice of claimants right to dispute the debt in accordance with 15 U.S.C 1692 .The current alleged servicer is sending threatening letters of acceleration of the debt and foreclosure for unpaid alleged loan payments.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: NC
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 hope this is my last Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XXXX/XXXX/XXXX, I submitted a request to Transunion asking to have XXXX public records deleted from my credit report because they no longer met the new minimum federal guidelines for reporting. Transunion responded by stating the information was correct ; but they never addressed the initial request to remove the aforementioned items because they did not contain the minimum consumer identifying information. I submitted a second request on XXXX/XXXX/XXXX and included copies of the public records with the missing consumer information, however Transunion has failed to respond.

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 2020-02-04
Company: Experian Information Solutions Inc.
State: AR
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 was in the process of buying a new vehicle due to my family growing. As I was in the dealership I searched for the car I wanted and sat down with the salesman to see what type of interest rate I could get. As my credit got pulled it was almost impossible to get a low interest rate with the maximum of items on my report that are not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$1000.00}

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 explanation
Consumer complaint received 2021-02-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Best Buy has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card 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 explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX  hit me with a 30 day late payment on my credit report after they failed to draw payment from the correct account. I have three credit cards, and had XXXX mortgage with the company. All of the automatic payments were set to draw from my XXXX Checking account ( XXXX ) for an easy payment process. One of my credit cards was being paid manually, and I set it for automatic payments in XXXX. XXXX tried drawing the funds from a XXXX account that I had closed in XXXX of 2019, instead of my XXXX Checking account like they were supposed to, and where all of my accounts have been set up to draw from. The bank has placed blame on me for their error. I have never missed a payment, and I had a credit score above 820 before this happened. The mistake was XXXX 's, but they refuse to correct the error on my credit report.

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 2021-02-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried several times to get my free credit report from Equifax online through annualcreditreport.com and the website keeps saying the report undeliverable online. 

Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm going to lose my home. My Mother passed away from XXXX XXXX last XXXX. Her name was on the checking accounts, debit cards etc. Her name was on the mortgage. I was unemployed as I was taking care of her. Now, I'm going through Probate Court. I was supposed to put a notice in the paper about for her creditors but I couldn't afford to put it in the paper as I had other expenses and bills and obligations to take care of. 
I do have a part time job that I started a few months ago. The thing is I can't afford these mortgage payments. In fact, I haven't paid the mortgage in about 9 months. I just couldn't afford it. They know this is as I have been corresponding with them for the past 9 months about this. They said that they can't really help me because I'm not on the Mortgage Account. 
Now, I have been going through this throughout the year. In XXXX, I was named XXXX of My Mother 's Estate. Also, I think it was in XXXX, I spoke to somebody from The IRS because My Mother had to pay almost XXXX dollars to The IRS but she had passed away by then and I couldn't afford it. They told me to call them in XXXX to get an extension, I think. I think it was for an extension. Today, I called my Mortgage Company and told me that I have to fill out and fax a Mortgage Assistance Application. 

The bank is suing me, The IRS and The Probate Court. I've never been sued so I believe that is right. I just don't know what my next option is. I would have paid the mortgage on time if I had the money. I just haven't had the money and not only that but I have had no where to go. Also, I have a Severe XXXX Illness that I'm trying handle but this doesn't help. Can somebody please help me? I'm very worried and very scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Exeter Finance Corp.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX the salesman assisted me with the purchase of XXXX XXXX XXXX at Exter Finance and/or XXXX intentionally withheld pertinent information to complete the sales. There are many fees within the given finance charge that are a violation of 15 USC 1605. Exter Finance and/or XXXX falsely and illegally obtained XXXX. I sent letters to both companies on XX/XX/XXXX disputing but have not heard back as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My identity Where Stolen & Used To Obtain Goods & Services In My Name I Fouled Police Report With My LOCAL police department after my Credentials Where Stolen & Have Attached It Aswell As My Identifying Documents With Mail I Sent To Chexsystems

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 2021-06-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I filed a complaint about this on XX/XX/2020 COMPLAINT ID XXXX This issue has not been resolved. On XX/XX/XXXX I purchased a fridge from Lowes. I opened a credit card on that same day and paid {$700.00} dollars on the credit card at the Lowes store in XXXX, New York. I was paying down the fright monthly until I decided to cancel the purchase of the fridge. The total amount I paid towards the fridge was {$1500.00}. I put in a request to have the money that I paid down returned to me but Lowes only sent me a check of {$770.00}. That is not the full amount of what I am owed. I have called Lowes customer service repeatedly and have not gotten a response. I also called Synchrony Banks customer service. I went into the store and spoke with to the Operations Manager for Lowes in XXXX, New York. Her name is XXXX XXXX. XXXX promised me that the situation would be resolved in week. I attached the chain of emails showing we were in contact and she stopped responding to me. I was then put in contact with Miss XXXX. He said she would get back to me and has not updated me about the issues to this date. The last time we spoke was on XXXX/XXXX/2020. I have called several times and have received no response.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 to with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : Consumer XXXX CO Account name : Consumer XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : Dept of XXXX XXXX 15 U.S.C 1681 section 602 A. States U 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 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 2018-05-22
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Has to do with complaint number # XXXX. According to the Florida Hardest Hit Program includes two assistance programs, an Unemployment Mortgage Assistance Program ( UMAP ) and a Mortgage Loan Reinstatement Program ( MLRP ). The HHF Program will provide assistance in the form of a subordinate mortgage loan. ( HHF Loan ) to the homeowner. The HHF Loan will be evidence by a Promissory Note, a Rider to Promissory Note, and a Subordinate Mortgage ( collectively, the Loan Documents ). The Loan Documents, including requirements contained in the HHF Approved Letter, contain the terms and conditions that will govern the HHF Loan. With that said, once Nationstair Mortgage and/or Mr.Copper accepted these terms set by HHF Program, then under those terms and conditions. Under the Rider to Promissory Note Section D. : ( The owner or servicer of the Borrower 's First Mortgage Loan must agree to accept and apply the HHF Loan proceeds to the contract payment due under the Borrowers First Mortgage Loan, and where the HHF Loan proceeds are advanced for reinstatement, must agree to reinstate the First Mortgage Loan. also under the UMAP & MLRP you receive a maximum payment of {$18000.00} towards the installments of principal, interest, mortgage insurance, escrow amounts for taxes, insurance and homeowners association fees. Which also where included for the next year monthly payments. Paid out by Florida Hardest Hit Program. Therefore, as you stated in your response letter to me, The funds provided were not enough to bring the account to current standing. The Florida Hardest Hit Program would not have continued to make payments towards anything that would have to due with the Mortgage. Furthermore, if you accept the terms they provided, then under these terms, you have to make due with what you got. And bring the account up to a current statues.

Company response to consumer: Closed with explanation