BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a morgage with PNC for many years - recently I am going through a bankruptcy and was required to do a modification on the loan as i was behind several payments and needed to get the arrearage put back in loan and perhaps lower the interest I have submitted a XXXX page document with everything required then PNC said that the didnt receive a whole bunch of documents that i clearly had faxed to them so I resent all required documents by certified mail signed receipt required - i received the signed receipt back from PNC after several weeks i didnt hear from them so i called them and they said that they never got anything but that they could not contact me as im in bankruptcy PNC is trying to foreclose on this loan and yet every time i submit documents they say they didnt receive them! 
they also said that they sent a letter to the trustee of the court letting them know what they needed - but the trustee of the court is not the correct place to send that letter - they need to send it to me and my BK attorney they keep saying they cant/ wont talk with me as im in XXXX XXXX my BK attorney has sent them several letters giving them permission to talk directly with me they have now rejected the modification that i submitted XXXX plus pages of paperwork for based on " not getting required documentation " and that i have to resubmit everything frrom scratch eventhough they have a lot of the documentation already on the XX/XX/XXXX there will be a hearing to foreclose on my loan so i am scrambling to get all paperwork together again! 
i can only think that they are either very inefficient and sign for documents that dont make it into the right department, their emploees do ot know what they are doing as the give me incorrect information or they are manipulating things to deliberately prevent me from getting a modification review so they can foreclose i recently made a payment of XXXX $ to start clearing up my arrearage but they show no kind of helfulness at all to help me in the process of getting the documents to them - in fact they make it as difficult as possible every time i speak to someone there they tell me something different -in deed- last week they told me they had all the paperwork / this week they say they didnt get it! 
i left a long message to a supervisor on monday asking for help to clarify things -today is wednesday havent heard back - i refuse to lose my home because of their communication issues i need someone to help me get a handle on the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$520.00} Status Account charged off. {$370.00} written off. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Collection account. {$650.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$700.00} XXXX XXXX account. {$7.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$550.00} Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX. {$650.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$110.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. $ FCRA violations : payments never late XXXX  Potentially negative Date XXXX XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2016-06-08
Company: CONTRACT RESOLVE GROUP LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I used to be the XXXX of a company that closed down last year. I continue to get harassing phone calls from this debt collection company threatening to sue me. Now they are calling my wife 's private number. My wife has no association with this company. 
I get XXXX or XXXX calls a day. My wife received XXXX today and is likely to start receiving more now that they figured out what her number is. The debt does not belong to me personally. It belongs to a corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, 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 have contacted XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
someone contacted me asking did I want to make quick money and they were from the FDIC. It was in regards to money that my bank owed me. They asked me for my personal bank information and I gave my information out. They deposited money into my account and then later told me that it was n't my money and it needed to be sent back. They gave me the names of the accounts in which the money was owed back to. I sent the money back and I thought that was the end of it. Later that night another deposit hit my account and I got an email and that basically told me I would n't have access to my account due to suspicious activity. I later called my bank and they told me to file a police report and it is attached to this statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Specialized Loan Servicing has a 3rd Party Vendor who will not answer their phones. The bank has not called me back or answered their phones since the appraiser was at the property. The appraisal was completed on XX/XX/2017, but I have no idea of what the value came back as. I was told to sent a written request for information and was provided a fax #. I have now received written response from SLS stating that I now have to submit it in writing and not by Fax. The miscommunication and lack of communication is unacceptable and the delays should not be tolerated. The appraisal will expire soon and then the bank will need to provide a new one. This is a waste of time and resources and in acceptable

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 2022-05-25
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since about mid XXXX, PayPal services have contacted me via phone, text or email several times a day every day regarding debt. I tried to pay it and they rejected my payment.

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 2016-02-25
Company: BB&T CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a issue where Bb & t has withheld funds since XXXX 2015. My account was abrubtly closed without given me a reason with $ XXXX in the account. Ive attempted to resolve this numerous times in the branch that I opened the account and no one can tell me anything.

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 2015-10-12
Company: Diversified Consultants, Inc.
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 is not mine

Complaint:
I applied for a phone and phone plan in XXXX 2014 with XXXX. While waiting for them to ship me my phone, I found I better service with another provider and signed up with them. When I received my phone, I did not open the package and did not activate the plan. I promptly returned the phone and all contents of the package to a XXXX storefront where they took the phone. I did not use their services at all. I received a phone bill from XXXX for that month, charging me {$70.00}. I do not owe them {$70.00} because I never used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : 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 2016-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am XXXX and was discriminated against by USAA because of my race/class. On XXXX/XXXX/16 I deposited a money order in my account for {$500.00}. The money order was placed on hold until XXXX/XXXX/16. I called to speak with an agent on XXXX/XXXX/16 to see why the hold had been placed on money order ( same as cash ) that I 'd purchased with cash. The first agent I spoke with ( XXXX ) asked me where did I get the money from to by the money order. Which is discrimination and was not the cause of my money being held. I asked her what did she mean and she said how did you make that money. I told her I was offened by that question. She never apologized. I explained to her that I had checks coming out of the account ( rent, etc. ) that the money would need to cover and if not available my account would be overdrawn. I also explained to her the hardship it would cause my family and the only reason I deposited the money orders is because I thought it was the same as cash. There is no USAA bank in my state so other than direct deposit and depositing money orders through my mibile account I have no way of depositing funds. I asked if the call could be escalated to another department which it was. The second representative I assumed would better trained in costumer service but not so. She too belittled me asking " I do n't understand way you would deposit the money orders with the possibility of them being held. '' This was after I 'd explained to her that I thought the money order was same as cash. She was very rude and told me " I 'm not reversing the hold now what else do you want to talk about. '' As of now {$560.00} ( money orders which I purchased ) is on hold and will not be released until XXXX/XXXX/2016. Please advise me what to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have previously dispute a collection account on my credit report from XXXX XXXX XXXX back in XXXX XXXX now is XXXX XXXX so it 's been past 30 days I call Trans Union XXXX number talk to representative and she had me on hold and came back every 10 minutes to say they 're still processing, with no answer, unacceptable I have a copy that I screenshot the email that I got from them that they initiated a dispute back in XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: Resurgent Capital Services L.P.
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:
The Credit Bureaus stated LVNV Funding LLC Account # XXXX, was properly investigated but how can that be possible if the date last active is inaccurate, the date last reported is inaccurate, the date of last payment is inaccurate, the two year payment history is inaccurate, the payment status is inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I Haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CENTRAL BANCOMPANY, INC
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Every month I receive a text message and email alert when a credit card payment is due. These consistently have the wrong payment amount due.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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. 

1.XXXX  XXXX XXXX, ( XXXX ) XXXX 2.XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX  XXXX, ( XXXX ) XXXX 4.XXXX  XXXX  XXXX, ( XXXX ) XXXX 5.US DEPT OF EDUCATION, ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
USAA FEDERAL SAVINGS BANK 's failure to report in a timely manner my mortgage and mortgage payments to the Credit Reporting Agencies is hurting my credit. USAA was contacted by me and requested first in XXXX 2016 by me too report my VA Mortgage Loan and payment information. Still it has not been done, as of this date. 
I now have XXXX reporting : " What 's hurting your score. There is insufficient information about mortgage accounts. You either have no mortgage accounts, or there is insufficient information about mortgage accounts, in your credit file. People without mortgage accounts or those who do not have sufficient information about mortgage accounts are considered riskier by lenders. It is important to have various types of credit that are held in good standing in your credit file, including mortgage accounts. '' Plus, XXXX which is used by USAA reports : " Factors influencing your score downwards. Lack of sufficient relevant real estate account information. A real estate loan can be a first mortgage, a home equity loan, or home equity line of credit. The XXXX credit score model relies on information in your credit files at the XXXX national credit reporting companies ( XXXX and XXXX ) to generate your score. Your credit file does not contain enough credit behavior information about your real estate accounts. A mix of different types of open and active credit accounts, including real estate loans, can have a positive impact on your credit score. '' USAA 's internal problem was also reported to the XXXX to no avail since my current mortgage information has NOT been reported to XXXX and XXXX as of this date ( see attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
This company controls our credit, yet they let it get hacked while their to execs are illegally inside trading and selling off stocks before they make it public. Nothing was done about my personal information being stolen, except a 1 year offer to protect my identity. Why don't they do this anyway and forever? They lose and sell my info, control my credit, yet they want me to pay to keep it in check. That's a scam. Furthermore, I sent a dispute for 2 scam collections. Their result was for me to call the scam company. This is insane and should not be a business model.

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 2015-07-08
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were approved for modification XX/XX/XXXX. We received packet in mail telling us we were on a repayment plan. The modification took forever to get done. We had to start process over once because the time frame ran out they said. We were able to make to payments of the repayment plan. My wife 's bonus was n't guaranteed and my overtime was n't either which was they used. I called to tell them we could n't handle double the payments. They offered us another packet for a modification. We were declined. Since then we have asked for multiple packets to be sent to us and none have arrived. We call and ask again. None delivered. Foreclosure process was dismissed in XX/XX/XXXX. We received a letter from their attorney last Friday. I called office closed for Holiday. I called back monday, they could n't answer any of my questions and were no help. The process took so long to get the modification that the payment was to much. US Bank would n't accept any payments in the process so it made the payment to high. I have called to try and work it out with no success. I have n't received any notices in the mail about be behind on payments or needing to contact them. I only received the letter last friday from the law firm threating Foreclosure. I put a new roof on last year and a new AC unit during the summer. If I new the payment was going to be that High I would have kept the cash in my savings to make the payments easier. Instead I make improvents to the house and now they wo n't work with me. This whole process has taken a hit on my credit. I ca n't get funding from anybody else so I 'm at the mercy of US Bank. I 'm a family of XXXX and really do n't want to loose my house. We would have to send kids to different schools. My work took 17 % of my pay which made it difficult and my wife was n't working much. Now things have changed, my wife has a good job and we are able to pay. My house is the last thing I need to get straightened out and it seems like US Bank wo n't work with me. I have asked if they could combine my 80 % and 20 % mortgages and shorten the months with the same % rate which would be a lot less then the repayment plan they had. I 'm filing this complaint because I do n't know what else to do. I met with another mortage company and told them about the process I have been going through and they gave me this website. They could n't believe what was going on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation