BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I make my monthly mortgage paymnets by an automatic withdrawn of my bank acct ea month : by the XXXX the total amount of the mortgage is paid and I am never late with the due payment. Starting XXXX XXXX I tried to refi this mortgage. The loan officer was super slow on her work : every several weeks or even months she would ask me more docs needed for the closing. On XXXX XXXX she told me she ca n't close because I had a shortage on my escrow account. I was asked to pay {$790.00} for that escrou to be brought up to day. I send the payment on XXXX while I was also making my regular monthly payments. On XXXX XXXX I was short about {$75.00} ( rounded up ) due to my fault as I forgot to modify the automatic payment to reflect the new increased monthly payment due to the modification of prpperty taxes. Conclusion : although I made extra payment towards the shortage on escrow and I made all mothly payments in time, PHH mortgage mingled with my funds : it took money dedicated of paying the mortgage and dedicated to the escrow making the mortgage to be in defauls for two months. I had several discussions with representatives, all located in XXXX, and I receive daily collection calls for me being at " default '' with my mortgage payment. All this is not true as per above my mortgage is paid in a regular basis in full by automatic withdrawn. I made a complain to the president of the company about this situation early XXXX. No conclusion. The letter received on XXXX/XXXX/XXXX tells they are still investigating where is my money. Definetely the book keeping is very bad or somebody mingled with the money : they are unable to give me a decent explanation of why they stop applying the payments to the mortgage and kept my monthly payment twice. I figure now in their books that I pay about $ XXXX mo and change instead of my {$840.00} send monthly from my bank account. The result of this messy book keeping affects my credit report as I figure in pre foreclosure proceedings. None of the representatives I spoke with is unable to track down where is my {$790.00} send in XXXX, why they stop applying money send towards the payment of the mortgage and why I figure out as paying $ XXXX while up to XXXX I send ea month {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I mailed a letter on   XXXX   XXXX   XXXX     certified mail stating the year of birth was incorrect. I also sent in proof with this lette r ( I dentification card, birth certificate and social security card ). I received a response back on   XXXX   XXXX   XXXX     stating they have reviewed my concerns and the information is correct. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 (  b ) (  2 ) and 611 ( a ) ( 1 ) , it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 9 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the wrong birthday that does not belong to me.. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I need to link my account with my XXXX XXXX XXXX. I need it to get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I called CITI bank to let them know I had been laid off ( as of XX/XX/XXXX ) and asked them what was put in place in response to the COVID crisis. I was told nothing was in place but I would be informed. I also reached out to XXXX that day. The XXXX day of every month is the day I pay for all my credit cards. XXXX enrolled me automatically in the COVID program on XX/XX/XXXX. 

I received in XXXX alerts regarding my credit score which had been downgraded. I didn't pay attention at first. Then reached out to Citi and they told me I had not made 2 minimum payments on XX/XX/XXXX and XX/XX/XXXX, acting like if I had not proactively reached out to them. I was eventually enrolled in the COVID program and was told I would not have anything to think about until XX/XX/XXXX. Yet, they refused to cancel my late fees. Citi continued to reach out in XXXX XXXX XXXX and XXXX ) asking why I had not made the payments in XXXX, XXXX, and XXXX. I took the time to explain to the agent the mess I was in because of their complete disorganization : they reported me to the credit bureau, issued new cards which I have ( still ) not received, have continued to try to charge fees. She admitted my account had not been updated thus the phone calls. 

I feel I am the victim of Citi complete disorganization and it has affected my credit score in a way I never imagined. During my last phone call, I asked to escalate my problem. I waited and was told there was no supervisor available but I would be contacted by a supervisor in 24 or 48 hours. It has been over 2 days and I have not heard from anyone at Citi. In times like these, one want to deal with a serious credit card company and Citi card didn't show professionalism not even empathy. Shame on them.

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 monetary relief
Consumer complaint received 2022-01-27
Company: The CMI Group, 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:
I am a federally protected consumer, and I have an update to the complaint filed previously please review the attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX, 2016, I received unsolicited credit cards in the names of my husband ( XXXX XXXX XXXX and myself ( XXXX XXXX XXXX XXXX. NOT an application, but XXXX actual credit cards. The envelope included NO information as to terms ( interest rate, annual fee, etc. ), just the XXXX cards. 
I have my vehicle loan through Wells Fargo, and also investments with Wells Fargo. However, I carefully went through my credit files and I have NEVER had, nor requested, a Wells Fargo Credit card. I emphasize that I received these cards well after the fraudulent actions of Wells Fargo came to light. Thank you.

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 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received emails from Capital One on Saturday XX/XX/2022 that a XXXX Checking account had been opened in my name ( i have the routing number and last 4 digits of the account if you need them ) and that my email and phone number had been updated as well. I never applied for this checking account. 

I attempted to log into the account with my suspected username, SSN and DOB on Sunday XX/XX/2022 at XXXX, and it asked for a 2 step verification through a cell phone that was not mine. I did not request to send the verification. 

I called Capital One Sunday XX/XX/2022 at XXXX and they were able to verify that I was not the person who opened that account. They were able to close the account and lock out my information so no one else attempted to open an account with my information. They recommended I connect with you to take next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2018-09-24
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I wrote to XXXX and spoke to them on the phone, I have send them divorce papers and informed them that I no longer live in the house. XXXX XXXX lived there and he got the house in the divorce. Im not paying on a house I couldn't live in. the account # was XXXX. I had no idea that he wasn't making payment on the property. I was not informed. XXXX claims that my name was still on the account but wouldn't give me information on the account or discuss it with me because XXXX XXXX was living in the house. I should not be held at fault because of what he did. I couldn't live in the home nor was I giving any information about the house. They will have to look at XXXX XXXX for what is owed. I'm no longer have any contact with him and the house has been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To let you know that I've become a victim of identity theft, I'm writing to you. I learned that without my knowledge or any connection to me, personal information, including inquiries, had been published on my credit file. Please help me remove these items from my report immediately. According to FCRA section 605b, the credit bureaus are required to remove or restrict any information mentioned on an identity theft report. I have provided certain documents to help in the blocking of the fraudulent information that are being posted on my report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am XXXX XXXX military, within a provisional state. My spouse has the account, I'm an additional user however they are not willing to give us the SCRA benefits. They're only offering the MLA, I do not want the Military Lending Act. Since I am eligible for SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my LES that show Ohio as my tax state, and my XXXX XXXX orders that show XXXX XXXX is my spouse. 

4.2 Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). 

Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. 

A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied for a mortgage loan with XXXX and XXXX XXXX. I have been rejected by both companies because they state Equifax has a credit freeze in my credit report. I called Equifax to find out why just to be given the run around. I have faxed my Drivers License and Social Security card to them twice. The 2nd time, I was sure to get a confirmation so they could n't tell me again they did n't receive it but that is exactly what happened today. They are refusing to give me any information as to why they have a freeze on my account and upon me stating I never asked for this freeze, they still will not release it. I have offered to email my drivers license and social security card to them since they lose every fax I send them but they will not allow me to do this. Today I asked to speak to a supervisor but the girl I spoke to denied transferring me to a supervisor even after I held on the phone for XXXX minutes. She said her supervisor would n't allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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: Their investigation did not fix an error on your report

Complaint:
This is my third complaint about the Equifax not meeting Metro 2 Compliance or E- Oscar protocol when verifying collections on my credit report. 
The Credit Bureau stated that my accounts were properly investigated Complaint # XXXX. This was a false statement by the credit bureau, because the opening date is incorrect, the date of last activity is incorrect. And the credit bureau still shows ok, payments from XX/XX/XXXX through XX/XX/XXXX. How can this be when the accounts are closed. This is inaccurate reporting and its grounds for removal under 15 U.S.C 1681 Section 602 A, states I have a right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 states that the customer reporting agency can not furnished a account without my written instructions. 
XXXX Acc # XXXX XXXX  Acc # XXXX. I am factual disputing the accuracy of these two accounts. The Credit Bureau are falsely reporting these accounts as verified accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: NCC Business Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was served an eviction  notice   XXXX   XXXX   and hired landlord tenant lawyer to handle my case which was dismis sed for lack of burden of proof with the stipulation I had to go thru a third party for anything concerning my apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX ,  XXXX ,  XXXX . I locked myself out, had to have management let me in, eviction went thru because of this and I was evicted   XX/XX/XXXX .   Constable did not follow the law, moving company did not follow the public safety law, I am not legally responsible for attorney fees or court fees according to tenants rights laws. I have called every agency known to man to rectify this and hire a lawyer. All the  Bar Assoc. recommendations w ould not return my calls. Because of the abuse of tenants rights I am barred from getting housing. I am homeless, my property is in my storage but smashed and dumped by movers who demanded CASH to put it in my unit. Even though there are laws to protect me, there is  no one to le gally help me. As of this moment I am speaking to an attorney who said I should sue. Great where can I get a lawyer?

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 2015-08-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have filed a request with Equifax multiple times with respect to the removal of a Chapter XXXX Bankruptcy from my record. XXXX and XXXX have already removed the item. However, despite my repeated efforts, Equifax continues to issue a investigative response that is irrelevant to the basis of my dispute and request. It is my position that, for whatever reason, Equifax ( i ) is not reading the specifics of my dispute and ( ii ) is improperly servicing my account, and I am suffering irreparable damage as a result. Indeed, they are incorrect for not XXXX but XXXX reasons ( i ) it is my understanding that, while this type of item may legally remain on my credit report for up to 10 years, it is typically removed after XXXX and ( ii ) I DID NOT actually go through with the bankruptcy. The item in question was dismissed by the court on XXXX XXXX, 2007 BECAUSE I did not proceed with the bankruptcy after filing the initial paperwork. As I have explained to, and provided documentation of to, Equifax on multiple occasions, after filing for Chapter XXXX Bankruptcy, I sought the advice of legal counsel who explained that ( i ) I did not need to file and ( ii ) a Chapter XXXX Bankruptcy was not the appropriate mechanism to address my concerns and was unwarranted. I, thereafter, decided NOT to proceed with the bankruptcy, and it was dismissed, meaning that ( i ) my creditors were NEVER notified, NO workout was arranged, NO discharge of any debts was applied and ( ii ) that I continued to service my bills. 

Equifax continues to issue me a response letter with their investigative findings simply stating that they have reviewed the information and confirmed that it was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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