BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: PNC Bank N.A.
State: CO
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:
I have been trying to resolve this issue with PNC in regards to my mortgage and they have been unable to assist me with the matter. I have been on time with my payments and the late payments are reporting inaccurately and should be removed from my credit report. 

PNC also has the payment status reporting inaccurately. They have me listed as Late 120 and Late 150 days when the balance is at {$0.00}. I have been educated about this and it is an infraction and is an FCRA violation!! This needs to be adjusted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My CARES Act forbearance began XX/XX/XXXX, I have requested extensions every XXXX days as the CARES Act provides. My loan was transferred XX/XX/XXXX to SN Servicing and the terms and conditions of my loan were not supposed to change. SN Servicing refuses to acknowledge that I am in a CARE Act forbearance. Despite my request for extension past my XX/XX/XXXX expiration, the refuse to grant or acknowledge it. My original loan was Government backed by XXXX XXXX and XXXX XXXX but they are telling me that my loan is no longer government back and Im not eligible for the CARES Act. They are not threatening foreclosure and accessing late fees to my mortgage. I have provided documentation of my CARE Act XXXX and have disputed the debt collection they began on XX/XX/XXXX with the XXXX demand letter for repayment of my entire mortgage. I have communicated with SN Servicing attorney XXXX XXXX and SN Servicing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They STILL refuse to acknowledge that Im in a CARES Act Forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: The Thomas Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly asked this company for validation of debt and all they send me is a bill with an address I have never lived at. They have not yet validated the debt and yet it still stays on my credit report. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX XXXX XXXX XXXX XXXX/ The Thomas Agency Inc CURRENT BALANCE {$310.00}

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 2019-08-07
Company: Experian Information Solutions Inc.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer  Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 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 explanation
Consumer complaint received 2019-07-05
Company: Monterey Financial Services LLC
State: MA
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 was offered an online course by XXXX XXXX. I accepted the terms and signed a contract. Then i unenrolled from their program. I had given them all of my personal information such as SSN, DOB, and license number. I then received a payment book by an unrecognizable company ( Monterey Financial Services ). I was not informed or had given XXXX XXXX my authority to give another party or another company my personal information. Monterey Financial Services has reported negative and inaccurate information to my credit bureaus and it has affected my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: GA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2019-05-03
Company: Carvana Group, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Carvana obtained a copy of my credit report without my permission on XX/XX/2017. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX, I reside at XXXX XXXX XXXX in XXXX North Carolina. Suntrust Mortgage inc. has directed me to the substitute trustee over a {$980000.00} loan from XXXX. XXXX XXXX XXXX XXXX and that is when I discovered they can not be the trustee and the XXXX of Suntrust Mortgage XXXX XXXX signed naming XXXX XXXX as substitute trustee but it wasnt done correctly. XXXX XXXX acted as XXXX XXXX notary on the same day. XXXX XXXX did not possess the required signing authority to sign mortgage operations documents on XXXX XXXX, XXXX. Someone put a sticky note over the Exhibit to coverup the part that states the purpose of the exhibit then made a copy of it to remove this requirement. This page was then recorded at the clerk of court office along with the outdated and expired faulty appendix A. How can Suntrust Mortgage use a outdated mortgage delegation signing authority document that expired over 3 months before XXXX XXXX even named the substitute trustee to foreclose? I have requested this proceeding be dismissed since the substitute trustee was not correctly nominated by XXXX XXXX, but they keep telling me to call the substitute trustee who is a nice enough guy but hes was not correctly substituted. Please also look into how XXXX XXXX was able to verify and notarize a document that was 3 months out of date. Please notify me in writing once this proceeding has been dismissed since the signing XXXX of the corporation was not in possession of signing authority when he nominated XXXX XXXX of 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 explanation
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: NY
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 a victim of identity theft. I submitted a valid police report with an notarized attachment of my FTC identity theft affidavit. I am requesting that you please reconsider the valid documents and please revjew, block and delete the fraudulent files from my credit report. Thank you in advance.

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 2017-10-31
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XXXX XXXX, XXXX, some company called me about a payday loan I took 2 years ago, they keep disturbing me with calls and threatened I will be served at court. They said I have to pay XXXX, I dont even know how they came up with that amount. And why they are just calling me after 2 years now. They force out XXXX dollars out of me which is money I dont really have. I only work a minimum part time job which I can barely do things for myself. They want me to pay every weekly which I can not not do. They were kind of rude to me on the phone. I am just hearing about this today without giving me time or nothing but saying I will be taken to court. They call me with an odd number which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a marketing campaign to refinance my property with Carrington Mortgage Services who currently services this loan. I was pre-approved and informed that I must secure an appraisal to close the refinance. Two weeks prior to closing, I was informed that this company does not finance manufactured homes and therefore would not be able to refinance mine. Again, this organization is already servicing this mortgage. The loan XXXX informed me that their data did not indicate that this was a manufactured home and therefore, he did n't know and had he known, he would not have pre-approved my application. Subsequently, they agreed to refund the amount I paid for the appraisal as there would have been no business need for me to purchase the appraisal if they had no intention or ability to refinance the property. I have yet to received the promised funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Good afternoon, I applied for the Truist " XXXX '' credit card back on XX/XX/XXXX at www.truist.com. 
I was approved for the card but haven't been able to use it, every time I try to use the card, they tell me the card is declined. I check my credit card account on the Truist website and I keep getting the message " This account is currently unavailable for use. If you have questions or need assistance, please call XXXX from XXXX am to XXXX pm XXXX, XXXX and from XXXX am to XXXX pm XXXX, Sat. '' This message has been there since I created the login on the website and it is the same phone number on the back of my card. 
I called Truist on XX/XX/XXXX regarding this issue of not being able to use the credit card and the representative I spoke with said someone would call me back since the person in charge was gone for the day. No one called me back. I must say that the hold time to reach someone at this company is insane, every time over an hour. I called back on XX/XX/XXXX and a representative said that someone will give me a call, the same thing I was told back on XX/XX/XXXX. I never got a callback, so I called again on XX/XX/XXXX, this time I asked the representative to provide me with the name of the person who would be calling me back. She said the person was XXXX XXXX, but she was in a meeting at the moment. I never got the callback either, so I called back today, XX/XX/XXXX, this time I asked to speak with a manager but they told me one was not available and I asked who would be calling me back, the representative said XXXX XXXX will be calling me back. Since I am tired of wasting my precious time on wait time every time I call, and tired of not getting nowhere with this " company ''. Please have them fix whatever issue they have so I can use the card, and since when I applied for the card this had a promotional 0 % APR for 15 months on purchases and balance transfers with no annual fee. I would like for them to extend the promotional offer for 3 months after the original 15 months expire, since I have not been able to use the card due to their incompetence as a " company ''. Horrible customer service. They pulled my credit, approved me for the card, and haven't been able to use it. I am attaching a copy of the message I get on their website.

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 2018-01-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
For no reason my coinbase account has been disable, ive been very patient waiting over 5 months and they still dont do anything to solve my problem. I tried many times calling the coinbase support and emailing them but nothing happened. I have my savings in this account and i do not want to loose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX/XXXX/XXXX I spoke with representative XXXX ID # XXXX @ XXXX ; XXXX am to advise him that I needed to replace a credit card. I was advised no problem, I was also advise " Not To Make A Payment and No Late Fees would inquire on my account, I should receive the replacement card in 7 to 10 business days ''. I received the replacement card along with a NOTICE Of Late Fees and a additional payment requested. On XXXX/XXXX/XXXX, I had called Capital One regarding clarification on the new billing statement that I had received. The new statement advised me of the non payment plus a late fee. I advised XXXX # XXXX XXXX of the issues and she hung up on me. I called back and spoke with XXXX # XXXX regarding the issue again - no recourse ... so I asked to speak with a XXXX. XXXX XXXX # XXXX # XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX was very rude would not let me talk until I called her out so she would listen. I asked to speak with her Mgr - XXXX XXXX XXXX and I was advised her XXXX does not speak with the PUBLIC - in my opinion nothing was achieved and i asked for a review. I was advised that takes 6-8 weeks. Its funny when the public wants to get something done and we pay our bills ... ... .I takes a act of XXXX to even think about doing something ... .But when they want their money they want it YESTERDAY. If the original associate was provided with the correct training and provided the correct information at the time of the call. their would not be a complaint. If and when I get this card paid off. I will never get another Capital One Credit Card Again ... ... It 's not worth the constant hassle. The employees at Capital One do n't appreciate where their paychecks come from

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX many items were removed from my credit report Starting in XXXX a lot of those items were re-inserted with new opening dates. A lot of those items were old and should not be in my credit report. The worst part about it I did not receive any notification from the collection companies or the credit bureau 5 days prior to let me know that these items will appear in my credit report again.

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 2022-03-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper my mortgage servicer is practicing pre-accrual and has been for many years. I called and asked them to correct this on XX/XX/2022 by performing an escrow analysis, and even cited the statute. 1024.17 ( c ) ( 6 ) Restrictions on pre-accrual. A servicer must not practice pre-accrual. I was advised by my mortgage company I still had an escrow shortage. I believe Mr. Cooper is also in violation of 1024.17 ( c ) ( 1 ) and they will have more than a XXXX cushion at year end in my escrow account. Annual escrow : {$6200.00}, XXXX amount {$1000.00} ; XX/XX/2022 current escrow balance {$1700.00}. My monthly escrow payment is {$560.00} x 10 months= $ XXXX $ XXXX $ XXXX $ XXXX cushion at year end {$1200.00}. 

The amount sufficient to pay is computed so that the lowest month end target balance projected for the escrow account computation year is XXXX ( XXXX ) My homeowners insurance is due in XXXX for {$1800.00} Escrow balance XX/XX/2022 $ XXXX $ XXXX {$2700.00} Taxes due XXXX {$3600.00} XXXX Escrow balance $ XXXX $ XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Constar Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company continue sending mail. This account is under a class action lawsuit against XXXX XXXX and won by the defendants and class, the case has been close judge order was and company trying to collect is Constar Financial Services LLC a company has not been verified and I didn't sign on contract with they haven't verified can collect in state of Texas by continuing sending correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclaycard ( Barclays bank delaware ) unexpectadly cancelled my automatic payments which resulted in a late payment in XX/XX/2021. 

There was no letter or email that the automatic payments would be stopping for no reason. 

I have a 30 late payment showing for XX/XX/2021 on mycredit report that needs to be corrected.

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 2022-03-11
Company: EQUIFAX, INC.
State: LA
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:
Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX, IN XXXX Balance {$3500.00} XX/XX/XXXX XXXX XXXX  XXXX Balance {$2400.00} XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: NE
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:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation