BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: Lending Club Corp
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I opened an account with Lending Club back on XX/XX/2020 for {$13000.00} for a medical procedure. I made the first payment which was due on XX/XX/2020 in the amount of {$450.00}. I then called Lending Club on XX/XX/2020 to have XXXX XXXX payment deferred, which was granted by Lending Club. I then called Lending Club again on XX/XX/2020 and asked that XXXX XXXX payment be deferred as well and that was also granted. During this time my hours at work were originally cut and then I wound up on unemployment. That led me to call Lending Club once again on XX/XX/2020 and ask that XXXX and XXXX XXXX payments be deferred as well, because I needed a little bit of time to get my finances in order. At that time I spoke with a supervisor and she advised me that she would make a note in the system, but that I had to start making payments come XX/XX/2020. I happened to run my credit in the beginning of XX/XX/2020 and I noticed I had four late payments on my credit report which is greatly affecting my credit score! As I stated earlier my hours were originally cut and then I would up on unemployment and I was trying to juggle whatever money I was getting from unemployment to not only provide for my family but to also make agreements with my other creditors. I have two auto loans, another line of credit with XXXX XXXX and various credit cards and everyone else has been so understanding and accommodating during this difficult time ( COVID pandemic ). Not only do I have a late payment on my credit report for XXXX and XX/XX/2020, I also have a late payment for XXXX and XX/XX/2020 and that is totally incorrect. XXXX XXXX payment was made on time and XXXX XXXX payment was made six days late but it clearly states on XXXX XXXX website that " members have a 15 day grace period to make payments with no penalties ''. My account is currently up to date and will continue to be for the duration of the loan, I just needed a little bit of time to get my finances in order when money was tight for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they receive the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to accuracy of Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of XXXX, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX and 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 2016-10-31
Company: Medical Data Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2016, I paid a collection agency named XXXX XXXX XXXX XXXX or ( XXXX ) on behalf of the doctor office named XXXX XXXX XXXX for the total debt owed of {$170.00}. The confirmation number given to me to verify the debt was paid is XXXX. On the XX/XX/2016 I receive another bill for {$170.00} dollars from a collection agency named Medical Revenue Service on behalf of the same Doctor office named 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 2016-06-10
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there are collection charges through the state of wisconsin under my account which I am not aware of or is not viewable through the state 's CCap program. I have been receiving numerous collection papers via mail for accounts that are being collected which I am not aware of. This information can be viewed on experian and 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 2015-06-20
Company: M & S FUNDING, INC.
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
the company m & M funding has been harassing from the time i bought my first vehicle in 2011 from them the would call me when the declaration page on my insurance would expire instead of calling the insurance company they also lied to me had me pay for gap on my vehicle than when my son wrecked my vehicle they told me they were not doing gap because of the payment process of gap they call me when im at work all the time im about ready to be fired i can not answer my phone at work there former manager told me XXXX time that he did n't think i had insurance because he was having a hard time getting the declaration page from the insurance company he basically said i was lying he told me his daughter worked for the same insurance company i had and i and i lying about how long it was going to take for me to get the paperwork i talked to XXXX at the company on XXXX/XXXX/2015 at XXXX our time and than he called me again today for the same thing i already talked to him about i would like to own both of my vehicles from this company there is other things they have called continuously about but i ca n't remember than all right now. they are also very rude with there clients they are always got new employees so you never know who your talking to from XXXX month to the next so everyone at the company knows your business its not just XXXX person working on the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Completed refinance application with PNC Mortgage on XXXX XXXX, XXXX. Information provided included : ( 1 ) the consumer 's name, ( 2 ) the consumer 's income, ( 3 ) the consumer 's Social Security number to obtain a credit report, ( 4 ) the property address, ( 5 ) an estimate of the value of the property, and ( 6 ) the mortgage loan amount sought. 

Did not receive disclosures within 3 days as required by law. 

In addition to the above on XXXX XXXX, XXXX, I also sent XXXX personal and business income tax returns, personal and business financial documents, payroll receipts, and all property tax records. I resent two business returns as requested on XXXX XXXX, XXXX. Receipt was confirmed on XXXX XXXX, XXXX. 

Attempted to call the loan officer and his assistant at all their listed phone numbers and then sent an email to both on XXXX XXXX, XXXX requesting the status of the loan application, to which I have received no response and still no disclosures. 

They are in receipt of all my relevant personal financial data and I have not been able to contact them since XXXX XXXX, XXXX by phone or email. 

The PNC loan officer is : XXXX XXXX XXXX Mortgage Loan Officer Supervisor NMLS ID XXXX XXXX XXXX PNC Mortgage XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. OH XXXX ( p ) XXXX l ( c ) XXXX l ( f ) XXXX XXXXXXXXXXXX and his assistant : Assistant to XXXX XXXX XXXX : XXXX XXXX Mortgage Loan Officer Assistant NMLS ID : XXXX PNC Mortgage ( p ) XXXX ( f ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.This is my second time complaining about these false information they are reporting. im tired of it.

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 2017-03-23
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage servicer was maintaining a rolling late fee accumulation while payments were being made on time. This resulted in the accumulation of {$2700.00} in late fees. There are XXXX occurrences of late fee charges that ranged from {$0.00} to {$860.00}. This accumulation began on or about XXXX of XXXX. 
Mortgage servicer was negligent in maintaining a sufficient escrow account minimum and a monthly funding amount to prevent shortages. This resulted in numerous escrow advances to occur to cover shortages in paying property taxes and home owners insurance. In the process of repaying the escrow advances, the mortgage servicer misrepresented the distribution and allocation of regular monthly payments to repay these escrow advances thus resulting in classifying the mortgage payment as being short. This forced a suspension of remaining funds from the mortgage payment and a late fee to administered. There were XXXX different occurrences of escrow advance repayments processed totaling an amount of {$3500.00} from XXXX of XXXX to XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am on an income driven repayment plan and am also working towards public student loan forgiveness at a 501 ( 3 ) c. I have XXXX/XXXX student loan debt upwards of 80k. I fill out my paperwork diligently, and call on a regular basis. When my payment went from {$170.00} to {$700.00} due to filing jointly on a tax return with my spouse, I utilized forbearance because our family could not afford this. When my loan came out of forebearance I submitted the correct paperwork online, and pulled my income over from the IRS website. When I called a few weeks later to see if my new payment form had been processed the lady informed me " Our online applications do not work. '' I had no correspondance that this was the case and that my application was not in the que to be processed, she told me to submit a paper form. I filled out the paper form and faxed it in like directed. Again, I waited a week or two and called to check up. Again this form was denied because they needed my tax filings. AND this gentleman told me the online applications worked just fine and did not know why the previous lady had told me that. SO, I faxed in my tax filings. I again, called to follow up. The gentleman said they had everything they needed, but also wanted to inform me my PSLF employment recertification was denied because the city and state was not listed on the form. Again, I was NOT informed of this denial. So I redid that form, sent it in. A day later, my IDR application was AGAIN, denied, because of some silly error on question 4 about whether I was still in forebearance or not. I 'm not sure if I '' m in forebearance or not because it had expired, and I was trying to get my new payment completed so I could begin to pay. Fed Loan DOES NOT communicate, or call, or inform borrowers of direct action to keep their account in good standing. I work FULL TIME and another part time job to keep up on our bills. It is a FULL TIME job keeping up with Fed Loan 's direct neglectful practices to attempt to put accounts into delinquency because they can not process papers in time or inform borrowers of direct action needed. Their employees give misinformation to borrowers who worked hard to get through schooling and make us jump through so many hoops that you ca n't even keep things straight. I would LOVE to file a law suit against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.This is my second time complaining about these false information they are reporting. im tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX, I filed my third complaint with all three credit reporting agencies about my account with XXXX XXXX XXXX. XXXX XXXX XXXX will not give me proof why they are showing that I was late for the last three months on the account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX agencies and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for XXXX of the reporting agencies. XXXX XXXX XXXX also failed to show proof to the credit agencies about the late payments. XXXX removed the payment history, however, the other XXXX agencies have not. I disputed because it is negatively affecting me and I want the 30, 60 and 90 day late payment status removed. XXXX was contacted prior to me filing this complaint and they removed the previous complaint from off line and started a new complaint. I could not access the my dispute report for Experian because they asked for an investigation ID #, but there is no investigation ID # on the mailed report. It asked me to call the number on the report, but no phone number for Experian is listed in the report that was sent to me, and no phone number is listed on the website. I tried to request online, but did not get any help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: United Check Recovery Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX is a transcript of the voicemail that was left for me on my cell phone. 

" My name is XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from United Check Recovery Bureau, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX XXXX XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up XXXX '' The collector also called me at my office. He then disclosed he was calling about " XXXX XXXX. '' He stated the balance that he said that I owe telling me it was charged off in XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. 

I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.

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 2015-11-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This is NOT a duplicate complaint. 

This was my original petition : '' OneMain Financial- Pay Status and rating key are conflicting. Contradictory and inaccurate. Demanding that OneMain Financial request account deletion from all credit reporting agencies ( XXXX, XXXX, and XXXX ) '' Please note my attachment. It clearly notes and backs my claims. You will notice descrepencies in XX/XX/2011. The Rating Key is coded as a charge-off XX/XX/2011, yet the Last Payment Remark indicates that the account was Charged Off. This is contradictory. Because of such, it is erroneous credit reporting and therefefore I am demanding that the account be deleted from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am rejecting this response because : I have a right to request the credit reporting agencies method of verification under FCRA, Section 609 a ( 2 ) You must disclose the source of this information to me. 
Also FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states. " if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. In this case you said you spoke to someone at the TN US bankruptcy court. I am requesting the following. 

If you can not supply me with this information in 15 days I want this incorrect information removed from my credit report or my next response will be to file a small claims lawsuit against your company to legally have it removed. 


( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.

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 2016-03-12
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Reference Caliber Home Loans # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX On XXXX, XXXX I had originally called and requested assistance with my mortgage due to falling behind on my mortgage. I was sent paperwork that I original signed and filled out with the original requirements. I was told that I was going to be placed in a forbearance workout and not a modification. 
Since then, I had a change in circumstances in income. My spouse that was bringing in the additional income had left the home. I lost the additional income to meet the deadline of the agreement. I called XX/XX/XXXX, before the first payment was due, to inform Caliber home loans and uploaded additional documentation along with a letter of explanation as to the change in circumstances and spoke with XXXX ID XXXX. I was informed by XXXX ID XXXX that we needed to fill out the HAMP/Modification forms. Once the forms were completed I spoke with XXXX ID XXXX that confirmed receipt of the forms that were uploaded in your system. It was then the previous work out was to be cancelled and the new request of the Modification was to begin. 
I had my representative XXXX XXXX XXXX of XXXX XXXX XXXX call onXX/XX/XXXX and it was stated that no paperwork was received and we had to resubmit the paperwork for the Modification yet again. On XXXX XXXX XXXX called again and she spoke with XXXX ID XXXX who mentioned that the review process was done on XX/XX/XXXX and to follow up on XX/XX/XXXX to see who the new Modification rep will be going forward. It was also mentioned that a letter that was never received that was mailed on XX/XX/XXXX in reference to the cancellation of the original forbearance plan. 
While waiting for the additional information for the new request for the Modification there were no mailing, phone calls, nor emails concerning the update of the modification. My representative, XXXX XXXX, called on XX/XX/XXXX and spoke with XXXX ID XXXX who confirmed that the second request for the modification was included in the case of the forbearance plan and the Modification paperwork was not submitted yet again as requested. We had to resubmit the paperwork via Caliber Home Loan upload, via USPS and USPS Express in which we have confirmed. 
Since then I have received letters : - on XX/XX/XXXX -stating that we needed to complete the application process. Nothing stating either way of the new upload for the new request of the Modification. 
- XX/XX/XXXX I received a letter ( form letter ) along with a Modification package - XX/XX/XXXX-I received a letter from the XXXX XXXX claiming that my mortgage has been referred for foreclosure. 
Again this has been a very tedious process and I have done my part in communication and trying to get a modification for my home. My intent is to keep my home and maintain it.

Company response to consumer: Closed with explanation