BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I have been trying to work with Vanderbilt for over a year to modify our home loan and they refuse to work with us. ( Loan # XXXX ) We fell behind on our mortgage in XX/XX/XXXX because my husband lost his job. Since then I 've been trying to work with and negotiate with Vanderbilt to try and bring my loan back to current. I was told that they would bring my interest rate as low as 5 % with a modification, only to be told later on that was impossible. Also, their website states that they do have programs available to help homeowners keep their homes and that homeowners will be reviewed for a modification after one year has passed since a modification was done, but I have not found any assistance with a modification review. I sent in countless documents and forms to prove my income just to be told I would not even be reviewed. 
I feel that we are being discriminated against by Vanderbilt and they are foreclosing on us illegally. They have been unable to give us a valid reason why they will not even review us for a modification. I spoke with Supervisor XXXX XXXX on XX/XX/XXXX to try to understand why they would not give us a review for a loan modification. I can only assume that XXXX XXXX has a personal issue with my husband and I and seems to have the final say in any decision made on our loan, demanding that we pay {$8400.00} ( half of the past due amount ) right away and not a penny less. I even scraped and borrowed and was able to get {$5000.00} together, but XXXX XXXX refused it. The representatives at Vanderbilt are not interested in helping borrowers as they claim to be. As if this was not enough, while in the middle of this process they put a sale date on my home for 2 months away! 
Also, during this conversation with XXXX XXXX, he said " We wo n't review you for a modification because we already said no. '' and that if I was unable to make my mortgage payments I " should n't have eaten, which is Vanderbilt 's policy. '' It seems that the future of my home depends solely on this XXXX individual. I asked XXXX XXXX why I could n't be reviewed for a loan modification to which he replied " I do n't have to tell you. '' I even told XXXX XXXX that my household income had changed, which is grounds for a new review and he replied that they do n't care and would rather just foreclose. The representatives at Vanderbilt are inconsistent and incompetent. XXXX XXXX has no reason to deny my husband and I for a modification review, other than having a personal issue with us. My husband and I are being discriminated against by this ruthless company, as they will not give us even a fighting chance to save our home or even a valid reason for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: National Credit Adjusters, LLC
State: TX
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/XXXX I contacted the credit reporting agency to dispute an account which can back as verified on XX/XX/XXXX. I received a letter directly from the furnisher ( National Credit Adjusters ) of this information dated XX/XX/XXXX stating they were ceasing collection efforts. On XX/XX/XXXX I challenged the validity of their investigation and even included the letter from the creditor as proof that the account needed to be removed from my file. Instead of removing it, the credit reporting agency still claimed the account was verified by the creditor on XXXX. Clearly they are not actually investigating the accounts because otherwise they would have known that National Credit Adjusters were no longer collecting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
1. XXXX XXXX : XXXX XXXX. XXXX. XXXX My rights have been violated numerous of times. 
The credit bureaus violated my given rights under 15 USC.1681 According to 15 U.S.C 1681 section 602 A. states I have a right to privacy.

According to 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions According to 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently sold my home and paid off my mortgage loan with PNC Mortgage. They included a " Servicer Advance Balance '' fee of {$1800.00} in my payoff amount. I had previously made written & verbal requests to have this fee explained to me several years ago and again more recently, but have never received a proper answer. In a letter dated XXXX XXXX, 2014 ( attached ) PNC responded stating the fee was because the HAMP " loan modification agreement required PNC to advance payments on your behalf so when the loan modified your account would reflect being current/reinstated '' Aside from the fact that the relevant explanation does n't even use proper English and makes little sense, my loan was never past due and never had to be made current or be reinstated. I responded to them on XXXX XXXX, 2014 and stated if they did not provide written proof of this obligation that we could only assume that it was an error. At that time I did not receive the courtesy of a reply thus, no proof was ever sent to me. In other words, just saying that I owe them {$1800.00} because they say so is not an acceptable answer legally or otherwise. 

I have also attached a copy of my loan modification agreement and nowhere in it does it state that I do or will owe this money nor is there a reference to anything that could be construed as such a fee. Please know that I am, and always have been, perfectly willing to pay any fees that I am legally or contractually obligated to pay, but I can not stand for having my money confiscated inappropriately by an entity that obfuscates the facts and refuses to provide simple and understandable answers to legitimate questions.

Company response to consumer: Closed
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: FL
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 have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # s XXXX ; XXXX ; and XXXX. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax continues to use excuses such as it can not verify my identity. However, I have included proper identification in my correspondence to Equifax. Equifax is in violation of my rights as a federally protected consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: TX
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:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: The Law Office of Richard M Kitrick Esq. LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm writing regarding to a lawyer named XXXX XXXX who sued me and took the money and misused the money and tried to collect the money again, and when I questioned him telling him I paid you in full why are you still billing me he responded every email you send to me I 'm gon na charge you.please help and stop this XXXX XXXX from stealing cheating and lying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
After finding a house with our realtor, she stated they had a lender in the same building and referred us to " their '' lending team. After a smooth transition from putting an offer on the home, to signing documents, we tried following up with how things are going. We did n't hear from there for a whole week after many tries. At the two week window before close of escrow and receiving paperwork to remove contingencies, we received notice we had to pay a medical judgment. We immediately wondering why would this come about at such a critical time? I looked into it further and saw were paying a 5 % VA loan in which all the closing cost are being applied to our loan when the lender has said they are paying for it. They beat around the bush when we ask for documents like the Desktop Underwriting which should have shown the steps to avoid our current situation. I have contacted other mortgage companies to compare and they have told me this is a scam. I am at a week to close and want to bring awareness and or legal help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
We transferred payment in full on our card, the bank received it and posted it but did not credit it for 7 days. This despite the fact that the funds came from an account at the same financial institution. Meanwhile, our card was declined and we incurred late fees as a result -- again from the same financial institution! Discussions with multiple customer service reps involving hours of phone calls over a one week period led to no answers. A promised call from a " manager '' never occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
When I opened an account with PNC back in XXXX 2016 there was a promotion to get {$200.00} if I deposit {$2000.00} and use my card for a certain number of transactions and pay a bill online. I did all those things but still did n't receive the promotional offer. I went to PNC branch in XXXX NJ in XX/XX/XXXX and spoke to the manager who opened my account ( XXXX XXXX ) he said he will look into that. Nothing happened for two weeks and I went to see him again, he made a call and said the money will be in my account in ten working days. This however didnt happen so I emailed him on XXXX XXXX and he said he will look into that. To this day I didnt receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Mr. Cooper Group Inc.
State: NJ
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:
I AM XXXX YEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: CA
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Theres random addresses i do not live at or have never lived there in the past appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca 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 2017-03-08
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage loan through XXXX Mortgage where the payments went up due to increased taxes and insurance. I got new cheaper insurance which was to be paid through my escrow balance, it never was. This caused my insurance to expire without my knowledge due to the notices being sent to the mortgage company. I was notified too late and had to purchase more expensive insurance myself. After this occurred XXXX was investigating there error for me. Before the investigation was completed they sold my loan to Loancare a XXXX XXXX. After 3 months with Loancare they conducted a escrow analysis and increased my payments from {$810.00} per month to {$920.00} per month. I called to ask about this and they stated my escrow account was negative {$1200.00} which needed to be paid back plus {$800.00} which was to remain in the account at all times. This comes to {$2000.00}. After I broke down my payments from the information on my account out of the {$920.00} only {$440.00} was going to principle and interest and {$470.00} per month was going to escrow. This comes out to me paying {$5600.00} in escrow per year. When I called Loancare 's customer service I spoke with XXXX ID number XXXX who told me I owed {$2000.00} in escrow and that 's why the payments were so high. After I explained the breakdown to XXXX she stated that I did not know all the in 's and out 's of escrow and that 's why I do n't understand the gross over payment. When I asked if I could speak to someone who could explain this to me she stated there was no one else to talk to. XXXX then told me she had already explained everything to me. When I asked for a supervisor she stated he was not available and I would have to leave him a message. I left a message and could not understand the name on the recording. The supervisor has yet to return my call.

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 2020-03-17
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On or about XX/XX/2020 I decided to close a checking and savings account that I had with Simple Finance ( BBVA ) for approximately 5 months. The service was disgustingly poor and their web banking interface incompetently designed. The instructions on their website said to send them a message indicating I desired to close my account and they would reply promptly and close the account. After three business days they failed to reply so I was forced to call them. After speaking with them, they told me it takes them almost a month to close an account even though there is a balance of {$0.00}. They further stated that this delay is due to BBVA requirements. I want the accounts closed now. I do not want to maintain any account or connection with Simple Finance and / or BBVA any longer. I doubt there is any residual interest due as I immediately drained the account as soon as interest posted for last month. If there is any interest due, they must send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: CA
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:
There is one account on my credit that is not mine I need this off my credit report since it does not belong to me in any shape or form I have not applied signed or used an account like this. 

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 2016-12-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have fallen behind on my payments. I applied for a modification which I did not qualify for. In XX/XX/XXXX. I contacted retention and made a payment of about {$3200.00}. I called today to XXXX another payment of {$1200.00}, monthly payment is {$1000.00} and there is a couple XXXX in suspense. They refused to take my payment said I had to pay XXXX in full, would not allow me to speak with retention. They said I failed to keep my agreement, which I had no agreement I was n't approved for the modification. Last year I experienced so setbacks, but I am trying to remedy that and move on. I need my home I have children. But Carrington Mortgage Servicing is unwilling to allow me any solutions. I do not receive regular communications from them so I am not sure where I am with the loan. I calculated I will have the loan current and will be able to pay monthly by XX/XX/XXXX, if allowed to make the larger payments in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation