BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC MORTGAGE letter dated XX/XX/XXXX stated : Between XX/XX/XXXX and XX/XX/XXXX, In fact, the Borrower did remove personal items on several occasions. 
This is not the Truth with intention, cause Harm to the HomeOwner XXXX XXXX stating that the HomeOwner XXXX XXXX remove personal items, until now the HomeOwner XXXX XXXX is on the street without anything/nothing, struggling for life, suffering, agony in a death situations. The PNC Mortgage/XXXX XXXX  forclosing fiercely, lock-out the HomeOwner XXXX XXXX, put in jail, accussing demolishing the building/house, the mail box was disconnected, ruined the personal good name to the student that XXXX XXXX did not pay the house payment, ruined the business name to the school XXXX therefore the XXXX XXXX could not get the student anymore : business termination, credit score ruined can not get an apartment : living on the street, credit score ruined can not get a job : arrested record, forclosure record, multiple bankruptcy record, the attorney accusing bad faith, Defraud the XXXX XXXX, all of the above is attacking the HomeOwner who already built the house for retirement, get kick out/evicted on the street, the single old ill : XXXX XXXX the HomeOnwer XXXX XXXX XXXX situation on the street, the Attorney XXXX keep asking money for TILA Rescission to a Homeless XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
N accordance with the fair Credit reporting act XXXX  account number XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C1681 section 604 A. 2 it also states A consumer reporting agency can not furnish account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Popular Mortgage of XXXX XXXX has announced all over XXXX that they are offering relief for the hurricane by allowing customers to miss the next 3 months of mortgages, and loan Payments. This was automatic unless you were behind. Even when my mortgage has never been behind, I called to make sure my credit would not be affected. Although it wont, they are not telling people that they have to make up all of the payments in XXXX. This can potentially put many people in the streets. I for instance wold have had to make a prohibitive {$4000.00} payment in XXXX. This is a very irresponsible and fake announcement. They are lying to consumers, people who are already going through an extremely hard situation because of these XXXX category XXXX hurricanes. They are taking advantage of people under such dire situation.

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 2018-11-01
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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX   account. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2019-01-10
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have gotten paid from XXXX and had direct deposit set up with my XXXX XXXX NetSpend card. I have had no money from my paycheck loaded to this card for my pay date. I show on the XXXX application that XXXX has released the funds but NetSpend is saying they do not have the funds. I have not gotten my pay and can not get a resolution from NetSpend. The amount is {$900.00} as well as a payment from SSI in the amount of {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, the following account listed on my credit file should not be listed there. Please remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have not yet received any information from the XXXX XXXX XXXX website It seems neither XXXX  nor Experian can verify my identity online. One concern is also that Experian asked me a question on the verification link re a mortgage application in XXXX - I never had a mortgage application in XXXX, so now I wonder if someone stole my identity?

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 2021-04-19
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: Account status incorrect

Complaint:
I have been disputing this account with Transunion for a year now. Every time it comes back as date updated. I have wasted an entire year never getting any results. 
Last payment was made on XX/XX/2019. 
It also says 30 days late on XX/XX/2019 and XX/XX/2019. How can this be? This is in violation, please remove from my credit report. 
XXXX  has already removed this negative tradeline due to errors.

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 2022-06-16
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I reached out to BSI Financial to ask how I can go about requesting PMI discharge on my mortgage. I spoke with a rep on XX/XX/XXXX at XXXX and asked if it was possible and if there was any specifics I needed. She escalated within the corporation and they indicated yes I could request discharge, that I would just need to get my own appraisal and submit via email. There were no other conditions. I then again called XX/XX/XXXX at XXXX and spoke with someone else asking again if there were any specific conditions I needed to meet to discharge PMI and if they had a specific appraisal form, after speaking with an appraiser. They again confirmed there was no specific form and no additional requirements. Submitted appraisal on XX/XX/XXXX. Spoke with someone XX/XX/XXXX and said it was still in review. On XXXX we received a letter saying it was rejected because we hadn't owned the home for atleast 2 years. NEVER was this information told to me and you can not find their requirements anywhere online, nor was I provided this information before the appraisal when I asked multiple reps. Obviously I wouldn't have gotten an appraisal and wasted {$400.00} if that was the case. I want my appraisal money reimbursed. I submitted an appeal to this on XX/XX/XXXX and never got a response. My husband reached out within the last 3 months and asked again, and they said we didn't qualify for discharge because of the 2 years. 
Our equity is well above 20 % and PMI should be discharged. They also indicated they haven't received evidence the value of property has not declined below original value which is completely false. I asked numerous times for requirements to discharge PMI and they knew how long I owned the home for because they hold the mortgage. My mortgage was started in XX/XX/XXXX and then was sold to BSI financial. It's not like I could choose who bought my loan immediately after we closed. I do not want to pay another {$400.00} for a new appraisal now when I would have waited to begin with. I want either my {$400.00} reimbursed or my PMI discharged with a credit for the amount paid between my submission and now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX, 2017 I directly contacted Equifax to request a copy of my Credit Report to be mailed out to me. I do not have access to my credit report online for disputes or viewing. Whenever I call this company, I am transferred to Consumer Affairs only to be told that this is the highest level of escalation. On this day, I spoke with XXXX. I requested for him to mail me a copy of my report as this is the only way I have access to my credit report due to the company 's unethical practices. I was then advised by XXXX that I needed to sign up for their credit monitoring services. I advised him that I had no desires to sign up with any services with this company because I do n't trust them. He refused to mail me a copy of my report. 
I have filed numerous complaints in which my issues have not been addressed, in fact the company failed to respond to my complaint with the Georgia Department of Law. 
It has been publicised in the news that this company was negligent with not just my information but everyone 's information and they have experienced a breach which compromised many consumers personal information. The time that this breach occurred is the time in which I received multiple fraud and extended fraud alerts added to my credit file without my request by this company. 
I, unfortunately, sent in copies of the information requested by this company such as driver 's license and social and will not be doing so again since they do n't know how to keep my information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: TX
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 XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-05-19
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is managed by PHH Mortgage Company @ PHH Mortgage Services in XXXX, PA XXXX given a XXXX XXXX XXXX as contact. Web account resources are accessed through XXXX XXXX XXXX website. Over the last 10 months this company has changed the monthly mortgage payment multiple times. I use bill-pay through my credit union, so in XX/XX/XXXX I missed making an adjustment to the standard monthly payment by XXXX dollars and some change. They put all the money in Escrow and began putting all my monthly payments in Escrow. They did not call me until some time in XX/XX/XXXX and after working with them for several weeks they got the payments redirected appropriately. However, they have begun putting my payments in Escrow again, with the excuse that I made my XX/XX/XXXX first  payment 11 days early. They put the XX/XX/XXXX payment for XX/XX/XXXX in Escrow, charged me a late fee and called me today to tell me my payment was late for XX/XX/XXXX. I called again and was told they had a rule set to redirect all my payments to Escrow and that needed to be changed.I now have had an XXXX XXXX because of the frustration. I am and always have had a credit score over 800, I pay my bills on time with less than 6 mishaps ( like a few days later on my water bill ) over my 45 years as a bill payer. I am afraid this company, being a debt collection company is trying to destroy my credit and take my property away from me. I have not changed my method of payment or timing except for setting it back a few days early because the company said in XXXX they did not receive it electronically for 7 to 10 business days. Please help me get this company straight so they will stop causing problems with my mortgage and my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Professional Recovery Management
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fox Collection Center XXXX/XXXX/XXXX XXXX I have contract them about this debt an I have n't received an reply but this is not my debt they have n't sent over any proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: MS
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 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 severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon review of my credit report, I see that there is a collection account for XXXX. The last time I reached out to the collection agency I requested detailed documentation ( validation ) of this debt that I owe, meaning under the FDCPA, I am entitled to the following information : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed. If the above can be provided to me in writing, I will be more than happy to negotiate a settlement, in turn I want this item removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Telephone call to Equifax to place a secure freeze on my account on XXXX XXXX XXXX, XXXX PM XXXX resulted in " Automated system inoperative at this time ... call back later ... '' Using the internet for Equifax resulted in their system being down : See below : Get Answers. Take Action. 
Home Contact Us Equifax.com System Currently Unavailable - Error XXXX We 're sorry. We can not process your security freeze request online at this time. Please try back later. 
To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX Box XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you. 


Equifax XXXX XXXX, XXXX Considering the security breach on Equifax, they need to improve their systems AND not charge for initiating the secure freeze or removing the freeze. Also, the XXXX executives of Equifax who sold $ XXXX PRIOR to announcing the breach need to be fined and imprisoned. Also, if the breach was determined on XXXX XXXX, XXXX why did they take kuntil XXXX XXXX XXXX to make it public - perhaps to sell more stock?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was granted a bankruptcy discharge, but Navient continues to collect. The student loan was not for tuition or books ( I had federal grants covering those amounts ) and I believe that excuses me from filing the adversary proceedings following discharge. I've gotten nowhere with Navient, the representatives I've spoken to have insisted that student loans are not discharged in bankruptcy. I then ask to be transferred to their legal department and they have said that it doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have constantly been sending out letters regarding my charge off accounts. XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. The charge off accounts are reporting incorrectly and showing a past due balance and according to the FCRA, I have the to an accurate 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: PA
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 account # XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX  account # XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX  account # XXXX have 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 an account without my written instructions.

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 2019-11-24
Company: JPMORGAN CHASE & CO.
State: MI
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:
3 inquiries I need removed to start building my credit that I had no part of and never gave any permission to do anything with my information at all XXXX XXXX-XXXX, VA ( XX/XX/XXXX ) Jpmcb card-XXXX, De ( XX/XX/XXXX ) XXXX XXXX-XXXX, PA (XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief