BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a veteran who received a marketing call from my current mortgage company, Freedom Mortgage, who encouraged me to apply for a VA IRRRL. Since the inception of this process communication with the company has been predominately through a Customer Advocate who knows little to nothing about the loan process. The replies to my emails ( when the Customer Advocate decides to reply ) are short and scripted with no explanation as to why it has been almost three months and there has been no action on my IRRRL. I keep getting the run around, and told that the company is working very hard. I received all of the initial promises from the first loan officer about the benefits of the IRRRL and since then nothing has happened. I started the process on XX/XX/2019 and they said we would be able to close in about a month, it is now XX/XX/2019 and I still have no definitive reason why the process has stopped. I contact the Customer Advocate about once every two weeks. The reply is they are working hard If I try to phone the number goes to a recorded line that says to leave a detailed message. This company services my current mortgage, and I am disgusted by the poor customer service and being treated unfairly. I feel as though I have been scammed. The manner in which this company conducts their business is unprofessional, and as a veteran I feel as though I have been treated poorly. Remember, They called me and promised a lot of service and haven't followed through on anything, and now I am concerned about how this company does business.

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 2019-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I currently hold a Walmart credit card that that was issued to me by XXXX XXXX in XXXX. My payments have always be due the 10th of the month per XXXX XXXX   correspondence. I have never been late nor missed a payment on this account per XXXX XXXX and Capital One Bank records. I was notified in mid XXXX of XXXX the holder of my account XXXX XXXX was being transferred to Capital One Bank betweenXX/XX/XXXX. On XX/XX/XXXX I made my payment and received an email confirmation confirming my payment on XX/XX/XXXX @ XXXX pst, which would post to my XX/XX/XXXX. On XX/XX/XXXX I received an email from Capital One Bank stating " You recently missed your credit card payment that was due on Tuesday, XX/XX/XXXX. Make your minimum payment to get your account caught up. If your account isnt in good standing, your card transactions may be declined. '' I call Capital One immediately after receiving the email to inquire about my payment I made on XX/XX/XXXX. I was told by a Capital One Bank customer service supervisor XXXX that my account was in fact in default for non payment and I need to make another payment to bring my balance current. I tried to explain that I had made my payment on XX/XX/XXXX and I had an email confirmation stating I had in fact made my payment. XXXX explained that I needed to be patient due to the fact Capital One Bank was in transition from the former holder of my account XXXX XXXX. I took her advice and waited patiently until I received another email from Capital One Bank on XX/XX/XXXX stating " We understand missing a payment happens, but its easy to catch up right now. Pay your bill through our free online bankingsimply sign in to your account and make a payment. '' I immediately called Capital One Bank again and spoke with a fraud supervisor XXXX. I explained the situation again and her response was positive but she stated that Capital One Bank had not yet received all payments from XXXX XXXX. I then received the most unsettling news, my XXXX credit cards had been suspended until I made a payment and it was being reported to the credit bureaus. As of XX/XX/XXXX this issue has not been resolved and its damaging my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Slovin & Associates Co., LPA
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a truck loan that was repossessed unlawfully. The company turned around and sold the truck for way under what the truck was worth but continue to bill me for the remainder of the loan which is predominantly interest as this is a subprime auto loan. I have an attorney and they were notified that I was filing bankruptcy so they hurried to file suit. I decided not to file bankruptcy very recently and was going to settle with the company but all of a sudden I have a garnishment on my paycheck for {$560.00}. I can not afford that payment amount and can not afford my bills now. I want to find out how much the loan company is ACTUALLY out from the truck without interest as I know it is not the {$6000.00} they are trying to charge me. The truck was never worth that amount. I was tricked by the dealership into even signing for this loan. XXXX and XXXX XXXX trick customers into loans they can not afford and then repossess and that is how they make their money. Slovin and Associates is who garnished my wages for XXXX. I need help with this company. I will pay what I myself caused, but not {$6000.00} to a greedy company making money off of customers who are desperate and easily tricked. This is unfair and deceptive. I want to settle on this and stop the garnishment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The nature of the wrong doing is that the account I opened with PNC back in XXXX of 2016, XXXX XXXX, FL apparently has been given to someone else and that someone else created a fraudulent account for me about three years ago. The reason I say 3 is because that's when my ENTIRE online account changed and I was forced to create a new password. 
In conclusion, I logged in my Student Loan account to make a payment, and the only way to make a payment via online was by disclosing my Routing # : XXXX and Account number : XXXX. Upon making the payment of {$10.00}, I was given confirmation number : XXXX. Then I logged into my PNC online account and noticed that {$10.00} was not deducted, not even pending. So, I called PNC, and it could have been an Impersonator, either way, this woman had the nerves to say I can ONLY use my card online. That's a lie! Due to this crime is why I keep missing all my IRS deposits, or any credits. Credits get placed by a 3rd party ( ex-boss creating this crime ). 
To make a long winded story short, please make PNC CLOSE all fraudulent accounts and tie my Debit card to my Routing # and account #. In the past I have already told XXXX from Client Relations to fix this problem, XXXX XXXX ) XXXX ; and Ms. XXXX ( XXXX ) XXXX to fix this problem. This is a crime. How can my account be given to my exboss and his mistress behind my back? The transaction went through without a problem because it's a LEGAL way of paying for something. I've done this in the past with other banks. Again, please have them correct this wrong doing once and for all. And for the record, I'm not in jail or confinement. Never have and never will.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar took over my loan in XXXX, but I did n't receive notification until a demand letter on XXXX XXXX. I may have tossed previous letters thinking they were junk mail refinance offers. I tried to log onto my previous servicer 's website to make payments several times XXXX through XXXX. 
I called Nationstar as soon as receiving the letter and stated I could make payments but wanted verification that they had the note and did indeed own my debt. They said they would send it and never did. I forgot to call them back until XXXX XXXX, asking about the note. They said they could e-mail it, leaving me wondering why they had n't done that before. They also said they had initiated foreclosure that day. I offered to pay the outstanding payments in full, but they said they would have to determine legal fees. Despite calling on the very day they initiated foreclosure, they called back a few days later and demanded {$900.00} of legal fees. I contacted their law firm and was mailed a letter saying no attorney had reviewed my account. 
I spent many hours on the phone attempting to get them to reduce the fees. They tried to force me to apply for a modification that would involve a new XXXX-year mortgage that would end up costing me a lot more in the long run. I considered hiring a lawyer and taking them to court, but it seemed like too much risk. I finally gave up and was forced to pay the exorbitant fees. 
In sum, my complaints : They foreclosed on my loan less than a month after I was notified that they owned the loan, and without providing me documentation of the note. My previous payments were not considered late until the XXXX of the month, yet they foreclosed before the XXXX. They claimed I owed {$900.00} in legal fees despite the fact that I attempted to pay in full within hours of them " initiating foreclosure '' - and I had previously expressed willingness and ability to pay in full on XXXX XXXX. I was only 4 months behind in the XXXX place because I could n't figure out why my previous lender was n't accepting payments XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: VA
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 writing to inform you that the data for this account " XXXX XXXX '' appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! I have no contract with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: FL
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 remember losing my wallet a few years back. I recently was looking to get a house with my husband. The lender told me that I had some accounts on my credit profile that needed attention. They listed a few of them and I do not recognize them at all. On XX/XX/XXXX, I pull my credit to see what they were talking about and come to find that those accounts were not authorized by myself. I contacted the credit bureaus to inform them of the incident and they told me to reach out to the FTC and get a report drafted from them. I have attached the FTC report along with my Driver 's License.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 i filed a complaint with CFPB because PORTFOLIO RECOV ASSOC has recently added a collection debt to all 3 of my credit reports twice after it being removed which are XXXX, XXXX and XXXX that do not belong to me which appears to be fraud with a past due balance of {$580.00}. 

I've never done business with PORTFOLIO RECOV ASSOC or wish to do business with this company, contract with this company or any one they are collecting for, i have never signed documents, contracts, agreements, to pay PORTFOLIO RECOV ASSOC because what ever they are trying to collect doesn't belong to me, i have never provided this company or gave them permission to authorize access to my social security number, private address, DOB or any personal information. 

PORTFOLIO RECOV ASSOC responded to the CFPB dispute saying they purchased a Debt from Capital one with a name similar as mine and trying to force me to pay for an account i never open, I called and ask them to send me a copy of documents with my signature or a copy of my drivers license/social card they have on file, because there are a lot of identity theft going on and i need those documents they are using to match me with the Fraud account so i can file a police report. When i ask for that info the lady hung up on me. 

i called back and a male guy picked up, and when i ask for the same information, i was told " We don't need to provide you with anything, you owe this and need to pay us '' XXXX removed this fraud collection account on XX/XX/2021 and PORTFOLIO RECOV ASSOC added right back on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 monetary relief
Consumer complaint received 2018-07-30
Company: CITIBANK, N.A.
State: NY
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:
After writing to Citibank regarding a Best Buy Account that was closed, I received a letter dated XX/XX/2018 from XXXX XXXX at the executive response unit that indicated they were opening a dispute with the credit reporting agencies. That was more than 30 days plus the XXXX days for mailing that they are allowed. 

The FCRA states that there is 30 days plus five days for mailing in order to complete the investigation. The FCRA also states that the consumer should be notified in writing the results of the dispute. At this time I have not received a notification of the dispute and the information has not been verified within the thirty day time period and at this time must be deleted pursuant to the FCRA.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX SQ XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX BANK XXXX Balance : - Bankruptcy chapter XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX SQ XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  - XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX SQ XXXX XXXX XXXX, VA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2017-12-11
Company: RSH & Associates, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal complaint against RSH & Associates , LLC, a collection agency located a XXXX. XXXX XXXX XXXX, Kansas XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I 'm just over my head with this company. I XXXX XXXX take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have  since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Please investigate the collection practices of this company, specifically in my particular case. I 'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these four accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have not applied for a checking or savings account with this bank. Any inquiries made on my XXXX XXXX or credit file are unauthorized?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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

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