BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a house in XXXX of XXXX, this mortgage has since been purchased by PNC bank. The issue is I've paid ahead on my mortgage, one of the primary reasons was to remove PMI from my loan. I called to understand how to go about getting this removed, the lender states I need to get an appraisal on my house that costs {$500.00}. In reading up on removing PMI, it appears that a lender is required to remove PMI at 78 % loan to value. I was notified by PNC that this is not the case, a disclosure I signed in the original loan states " ambiguously '' that this is date driven, and calculated at the time of origination. This means that I can wait until XXXX when they are required to remove PMI or I can pay them to have their " appraiser '' come out, and re appraise my house. At which time it will be removed. How is this legal?? This is a form of extortion and a primary reason the CFPB was created.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: DC
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 was shocked when I reviewed my credit report and found late payments on the dates below : ( XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-07-02
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
chapt XXXX bankruptcy only supposed to stay on for 7 years. its 7 years inquires as well XXXX, XXXX  mortgage amrent premium 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

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 2019-09-04
Company: EQUIFAX, INC.
State: OH
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 been a victim of identity fraud twice which was reported and I have tried to dispute the unauthorized inquiries with all three credit reporting companies, however I have had no luck and have received automated letters back all stating the same information as to why they can not dispute or investigate the information I have submitted to them. This all started back in 2013 when someone gained access to my information and filed taxes in my name to going to a dealership this past weekend and them submitting my information to different companies without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have requested from the collections company several times by certified mail to verify the debt by providing me a contract or document with my signature and where I agree that my personal medical information could be shared with outside parties. I have yet to receive this.

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 2020-11-16
Company: Diversified Adjustment Service, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Diversified Adjustment Services calls me at least 3 times daily. They call from spoofed fake phone numbers originating from the XXXX XXXX area, even though theyre based in Minnesota and I live in Colorado. I usually answer, and theres silence on the line about 75 % of the time. When someone is on the other line, I immediately tell them to cease attempts to contact me by phone. They refuse to stop calling me every time, in violation of state law in Colorado.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX sent me a bill XX/XX/2018with payment due date XX/XX/18when I went to make my payment online it showed XXXX balance XX/XX/18 and I triend again XX/XX/18. I get a notice in the mailXX/XX/18 datedXX/XX/18 from Creditors collection services on behalf of XXXX XXXX XXXX. I am looking for record of first payment I already made, but I wasnt given the opportunity to even pay by the last statement due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I refinanced a auto loan, it was never late, it's fully paid off. Now I need a document showing that's it's paid off and I am unable to get one from Bank Of America. To be clear, they are not refusing to send such a letter but the only option they agreed to is via FAX. To further clarify, I made this request in XX/XX/2020so I really have no idea where to find a fax these days. I don't have one, my employer doesn't have one etc. The paid off loan has disappeared from my online account and is literally no way for me to prove it's paid off other than buy a fax machine.

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 2019-09-04
Company: Thaxton Investment Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called and spoke with a Ms. XXXX with Covington Credit Collections to make a settlement payment in the amount of {$200.00} from a balance of {$340.00}. It was agreed to payoff the settlement in the amount of {$200.00}, payment was made with a Visa Debit Card on XX/XX/2019. I later find out that It was reported to XXXX  that I owed a balance of {$130.00}. Covington Credit Collections reported to XXXX no collections, reported bad debt to an to XXXX. This company is fraudlent trying to destroyed my credit through another credit company. They will lie to you about paying off your debt as if you're making payments that I didn't agreed on. The staff is very rude to you, with very poor customer services. This was a " settlement to clear a debt owed and not make monthly payments. I also continue to call for a receipt but the company never would release it. The payment was bank drafted from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have never authorized hard inquiries from these two companies in the following dates : XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018

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 2018-05-25
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
came on credit i never was aware of this company or had a contract with this company and this debt i wasn't informed

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 2019-09-04
Company: EQUIFAX, INC.
State: MN
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 need my XXXX XXXX on credit report to state current. It is reporting negative on XXXX, XXXX, and Equifax from the XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX my XXXX  XXXX worker said that she will update my file as current. She works out of the XXXX County Division. She can reached at XXXX. She told that she will me a letter. Yet, I have not seen a letter or heard any thing from her in regards to honoring what she agreed to do,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: NJ
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:
Approximately XX/XX/XXXX, I contacted and logged a dispute with Equifax Credit Bureau about an address appearing on Credit report, that was not my bonifide address of residence or for receiving Mail or Bills in XXXX, Pa, and requested it be removed. 
I was notified by e-mail after a period of time, and confirmed with an agent of Equifax, that the dispute was " resolved ''. When I queried the agent that this address was removed from my report, the answer was " Yes '' On XX/XX/XXXX, The invalid address still appears. When talking to Equifax to find out why, the are very difficult and when they have all the pertinent information about SS as identification of the account insist on other obscure, not readily accessible information from computer before going forward to addressing the failures a year ago. 
They are not cordial when asking for supervisors or have them get on the phone at the time of need. 
They are asleep when our Credit information is hacked, but when a Consumer needs to have a simple issue resolved, its an inquisition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: Tribal Lending Enterprise, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan of XXXX , but it wasn't entirely clear what the fees were until after I received the funds. I received a call, and the caller hastily went over the agreement which made it difficult for me to entirely understand what the fees were. 

On their website, my profile states that I have a monthly income of XXXX . They never requested a paystub or any kind of proof of income. I earn XXXX $ Bi-weekly and don't know how they came up with this number. I do not have the ability to pay back this loan with my current income. 

I would like to know what my options are and would greatly appreciate assistance with this.

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 2019-09-04
Company: SUNTRUST BANKS, 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: Account status incorrect

Complaint:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

Suntrust is being reported as 3 different names and 3 different payment addresses XXXX  has XXXX/SUNTRUST XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX has SUNTRUST BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX has XXXX/SUNTRUST XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Account Type XXXX : Installment account XXXX : Education Loan XXXX : Installment XXXX : payment status is listed as 120 days past due XXXX : payment status is listed as at least 120 days or more than 4 payments are past due XXXX  payment status Acct renewed or refinanced

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 2020-07-06
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:
I AM A VICTIM OF IDENTITY THEFT. I HAVE FRAUD ACOUNTS, ADDRESSES AND INQUIRIES. PLEASE REMOVE THESE ITEMS ASAP. PLEASE SEND ME AN UPDATED COPY OF 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 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX  despite being set up on payment arrangements with XXXX XXXX  and under the CARES act did not report my account as current from XXXX to present. Per Fair Credit Reporting Act inaccuracies should be removed.

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 2020-07-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Pnc bank doesn't let my 3rd party apps like XXXX which I've been using for years acess my bank information which is really upsetting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Cit bank has cook the books for one west bank and for XXXX XXXX by using constructive fraud and avoidance tactics with super lawyers from XXXX XXXX and XXXX XXXX To seize my property at XXXX XXXX XXXX in XXXX XXXX XXXX Florida and for XXXX XXXX XXXX deliberately defaulting the equity line And reporting me as late to the credit bureaus while Ive been in foreclosure for 12 years because of one west bank impropriety and XXXX bank fraud that XXXX XXXX and cit bank Exploited to extort me and my XXXX partner with hundreds of thousands of dollars while they funded on in a legal foreclosure by paying their super lawyers in XXXX XXXX to avoid all the liability claiming it wasnt them when they are the ones committing the act of constructive fraud and using lawyers to avoid that after they cook the books so that they make millions of dollars in profit on a marketable asset that is my home and business that they seed and stole from me with fraud and backdated documents with forgeries and perjury so that they could pay XXXX XXXX and XXXX XXXX and XXXX XXXX huge dividends after they steal peoples property that wanted to keep their properties and were foreclosed on by their crooked accountants who misapplied payment last documents and backdated forge documents just to force the losses onto the homeowner when theyre the ones that refuse payment and we were never late because I want against them in XXXX and now theyre retaliating to retaliating against me Because they wash the books just like the mafia does with fake accounting and fake assignments and fake forge signatures Which allows them to money launder and steal peoples houses in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a XXXX XXXX check from XXXX XXXX which I deposited on XX/XX/2019. PNC. PNC erroneously rejected the XXXX XXXX deposit on XX/XX/XXXX and then had the unmitigated gaul to charge me a {$12.00} service charge on XX/XX/XXXX. I called PNC XX/XX/XXXX and requested a reversal of the {$12.00}. I spoke with PNC rep XXXX XXXX who had no business common sense whatsoever. Instead of reversing the transaction of a 30 years customer with very high balances he chose to not refund my {$12.00} even though he could see the XXXX XXXX check was valid and that the {$12.00} service charge was based on a error by PNC. I want my {$12.00} refund, PNC to be reprimanded and PNC reps to be retrained.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04
Company: EQUIFAX, INC.
State: UT
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:
I am requesting to dispute the following unauthorized credit inquiries on my Equifax credit report. These were done without my permission. 

XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX I am also requesting the following addresses be removed as they are not associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold/transferred to Rushmore Loan Management from XXXX. 

Since the loan was transferred Rushmore has inflated the owned amount in the loan, have refused to provide payment history and illegal added bogus and unfound escrow amount without any proof or documentation, they simply send letters that all of the sudden I owed them {$5200.00} without any explanations and increased my monthly payments. 
In addition, Rushmore purchased Hazzard insurance on my behalf, even though the proof of insurance was provided by FAX, email, and imcovered.com/rushmore as instructed on their letter. It seems that the only goal of this shark company is to push bogus higher fees, inflate the payments with no real proof and force homeowners into foreclosure, this company is nothing but a bully fraudster harassing homeowners. 
Please note that my agreed payment is made on time every month, however, I'm refusing to pay the additional amounts Rushmore adds every few months out of thin air.

Rushmore is refusing me to take ownership of the escrow account because this is the only way they can add bogus fees. I keep asking to have ownership and paying my own taxes, but Rushmore has refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: EQUIFAX, INC.
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:
XXXX account was cancelled and the company never closed account and kept billing me for service that was cancelled and not used. 

XXXX and XXXX, account paid and still reporting delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Kohls/Cap one on XX/XX/2020 in regards to an account reflecting on my credit report as a result of identity theft and that the account needs to be investigated and removed from my credit report the representative I spoke with didn't give me any information to get the account rectified but just asked for my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: NY
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:
NEVER DID BUSINESS WITH THIS COMPANY, CONFLICTING INFO SUCH AS PAYMENTS BEFORE ACCOUNT OPENED?

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