BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Mortgage being serviced by SPS. I have requested an extension of Mortgage Forbearance for another 3 Months, owing to hardships related to COVID and in terms of Cares Act. I have a 2nd Mortgage on the same house with XXXX XXXX XXXX. They acceded to my request and extended the Forbearance by asking 3 or 4 simple questions. Similarly on my other house too I got 3 months extension from XXXX XXXX, by just answering 3 or 4 simple questions. However SPS is denying any further extension and is asking me to submit a big Loan Modification package, quite contrary the Cares Act guidelines and the industry practices. They are threatening me with putting Late Payments on my Credit Report. Hence I somehow managed to just put an online payment, not to get hit with a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I put in a dispute with Equifax Credit Reporting Agency on my account that was in collections with XXXX XXXX XXXX in the amount of XXXX dollars on XX/XX/2019. Prior to that on XX/XX/2019, the equipment was returned in value of {$87.00} in collection debt upon receipt. On XX/XX/2019, I spoke to a representative from XXXX to get my current account status. He confirmed my account was XXXX and on XX/XX/2019 they would be reporting to the collection agencies as they do weekly to update the status of the account. On XX/XX/XXXX, I called again to confirm my account status after speaking to Equifax and noticing they did not change or update my account on XX/XX/2019 or delete the account even after I submitted a dispute on XX/XX/2019. I wanted to know if XXXX reported for deletion as I was told by them, on XX/XX/2019. An agent fro XXXX confirmed that my account balance was XXXX and on XX/XX/2019, they reported to all the credit agencies for deletion on my account that was in collections. After speaking to an Equifax representative, I was refused of any information regarding my dispute. I was told ; in order for them to remove the debt and update my credit report I needed to " authenticate '' my identity by sending in my ID and social security card because the information I gave them wasn't enough. I stated my correct information to access my credit report but was told they still needed for me to send in my ID and social security card and if not then they would not update the status of my account even after the collection agency requested for the account to be deleted on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: PNC Bank N.A.
State: IL
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:
There is a 30 day late payment reported on my XXXX and XXXX report and a 60 day on my XXXX. I believe this report is in error. I have reached out to Disputes PO box provided by PNC bank on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years.

Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue.

Contacted bank again that day, was told need to escalate case will hear back in 24 hour
s, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then transferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute.

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and " we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have 3 collections on my equifax report i wrote to them more then four times and they keep sending the same answer verified. i asked them how they verified they answered verified! ( Attached ) i told them this collection agency wont send me verification so how are they able to report these items, and yet again they answer verified! i do not know what else to do i can not afford a lawyer so im asking you guys for help to remove these unverified charges off my equifax report. they just send me the same print out over and over thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Huntington National XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the account XXXX XXXX XXXX  XXXX , I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2018-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 capitalone closed my account and restricted my account because I field I fraud clame on my account. When I call back I spoke to some one they say that my account was closed because of payments returned as they can see I never had a charged back on my account with no payment l. I talked to them on special accusing about my account and they all was give me the run around and when they found out I call the CFPB thats when they closed my account I just want answers on why my account was closed and I would like to open the same account I have on file. I have everyone I spoked to about my account ID NUMBERS. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to a clerical error on the part of Specialized Loan Servicing, LLC, my ACH payments were shut off and two months ( XX/XX/XXXX/XX/XX/XXXX ) of mortgage payments were not made and I was not notified until XX/XX/2021. When I received the Notice of Foreclosure I paid all monies owed ( including late fees ) to bring my account current. In speaking with Supervisor XXXX, he acknowledged that the Customer Service rep I spoke with in XXXX should have told me that the ACH payments would be suspended but the recording shows he did not. Since XXXX, I have been requesting the repayment of the late fees since this was a bank mistake. I have a letter that states that the company contacted the credit bureaus stating that this was their accounting mistake ( attached ). Not only are they refusing to reimburse the late fees, they say that because I made 2 late payments ( which I did not ) I am not allowed to request reimbursement. In XXXX, I made a partial payment based on a third late payment fee that I did not have to make ( I spoke with a company representative who said that the third late payment would be added to the smaller XXXX payment I sent in and I would be current for XXXX ). They put my check in a suspense account instead and said I did not make an XXXX payment. I was denied credit due to this mix up and the resulting impact to my credit report. 

I have attached a complete listing of who I talked with, dates and what was discussed at each call. I have repeatedly asked to speak to a Manager/Supervisor and have been told I can not due to company policy. 

I would like a full reimbursement of any and all late payments paid on this account ( I have never been late with a payment until this occurred ), and another letter sent out to the Credit Agencies with a copy to me due to the mishandling of the XXXX payment.

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 2019-06-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I applied to have my mortgage insurance removed. Chase requested a check and said a broker would do an estimate. However, the broker used comparison sale data of over 12 months old and nothing similar to my home. I brought this up to Chase, and they said for me to submit comparison data of homes less than a mile away and no more than 6 months old sales data. When I did do this, Chase refused to accept the data without providing any reasoning. Furthermore, Chase 's customer service rep tried to belittle my opinion by insulting me when the data they are using does not fit the parameters of their own rules. Chase decided to use old data to keep my mortgage insurance and they kept my fee for a broker opinion that was tainted and false. The entire process is a sham and fraud. Chase has no desire to follow their own rules for estimating a value of a home and rather just keep the extra {$100.00} they charge customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone was able to use my information to obtain goods and services. I have asked these companies several times to remove the information or verify the inaccurate information. 
I am requesting a signed copy of the agreement which i have no knowledge of. 
I have notified all companies this 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 explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, 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 am concerned about the validity and accuracy of the recent investigation done by Equifax and XXXX..I requested for an investigation because the account XXXX XXXX XXXX, XXXX XXXX, XXXX, I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these inquires on my report from XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), Jpmcb Card ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to open an account with several banks and even though all my information would be correct I get an email or a mail saying that my information wasnt correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The National Recovery Agency ( XXXX ) been calling me every day since XX/XX/XXXX. ( could be longer ). 
This debt collector are trying to get fees that I didn't pay from XXXX XXXX. These are the dates that they gave me : 1. XX/XX/XXXX {$22.00} 2. XX/XX/XXXX {$22.00} ( same ) 3. XX/XX/XXXX {$32.00} and I have a XXXX XXXX account and I was NOT in the hospital on any of those dates. That's a scam. The NRA knows my birthdate and I believe they thought that I was too old to know the difference.

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 2021-04-23
Company: AFNI INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. I was not told that I can dispute within a specific timeframe or any information except to pay or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX. My husband and I divorced due to His XXXX   XXXX. I am on XXXX and have XXXX. This debt was assigned to him and the balance was only {$350.00}. XXXX XXXX contracted this debt out to LVNV Funding LLC. I called and talk to them trying to explain to them that this caused my credit to drop -46 points and I have worked hard to bring my credit score up. This young man I spoke to called me every name possible, said I was a horrible person charging things and then " running out of my debts '' and got me so upset I had to go to ER with a horrible XXXX XXXX. I was trying to explain to him what happened but he would not listen. My credit score dropped -34 thru XXXX and -43 thru XXXX. Please help me get this straightened out and now they call me from XXXX XXXX through XXXX and I can't emotionally take this. My husband used this credit card out of malice and will not pay it. I only have social security XXXX as an income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have been attempting to close my HELOC since XXXX. I have taken every step in closing my account, paid the closing costs, but the mortgage company has not closed my account and I now trying to charge me for homeowners insurance for a loan that should have been closed in XXXX. I requested to close and freeze my HELOC per their instructions and the account was frozen XX/XX/2021. I requested a payoff statement on XX/XX/2021 and was told to pay online, since the amount was under {$1000.00} this was ok and did not need to be certified. I paid the payoff on XX/XX/2021 and waited. Since the payoff, I received letters that I needed an insurance policy on the house and if I didn't send them a copy of my insurance they would purchase a policy. I called the mortgage company and explain I closed my account and paid the payoff. They specifically told me not to worry about it and the account would be closed and I wouldn't need to do anything. 3 weeks later I receive a notice with the insurance policy they purchased for my home against my will. I have called every day for the past 2 weeks asking if they can please remove the insurance policy and close my account that I have been trying to close since XXXX. I keep getting the same story that they're working on it, and escalating it and they keep pushing the date to which it will be closed by. First it was XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and this last time they mentioned XX/XX/XXXX. They are keeping my account open against my will. I have frozen the account XX/XX/2021, paid the payoff request XX/XX/2021, and requested many many times to close it. They are keeping it open and charging insurance on my account and I believe this to be fraudulent.

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 2019-06-15
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
They would not let me pay my loan off 2 days before the next payment plus there were substantial fees that were not made aware to me or misleading. Not only can you not understand the people in customer service but they are very misleading. Was told I needed 24 hours minimum to pay full loan off before next payment was taken directly out of my account. I called two days before that and they would not let me pay my loan off until a payment was taken out. This way they could build up more interest and make more money since none of the payment goes to principal. I dont know how they get away with this, predators picking on the poor is whats happening and just because its a Native American tribe the government cant do anything about it. These places need to be shut down and people need to be more educated about these establishments, including myself.

Company response to consumer: Closed with explanation