BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage when the XXXX went through an economic collapse. I have tried to work things out with my servicer but got no cooperation. I was forced into bankruptcy because the current servicer ShellPoint refused to offer assistant for me to keep my home. I submitted all paperwork for a loan modification to ShellPoint Mortgage earlier this year. I qualified for the program. During that time, ShellPoint pretended not to get the paperwork. After stalling for months, ShellPoint approved some type of trial plan that has mystery terms that they do not disclose. I have been forced to make payments on a trial plan and this servicer has not disclosed the new principal balance and interest rate. I was hoping for a reduced principal balance but I believe that this servicer is discriminating against me because of my XXXX background. To this date, ShellPoint has not given me a chance to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX XXXX XXXX and notified them that I wanted to cancel my phone service. They gave me a cancellation fee which I paid and I have a confirmation number. Months later I received a collections bill from XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
To all parties involved I have sent requests to these companies listed and have not received any responses. This is very unprofessional and I feel as if my situation has not been addressed properly. I notified these companies that the accounts listed are not mine ; I have been ignored and at 63 days after the fact they must be removed. Again these companies have failed to supply proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Again I have reached out and gave a sufficient amount of time for them to rectify this situation and I have not gotten any responses yet. Unfortunately my information was also compromised by the Equifax Data Breach. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a premier money market account at PNC bank back on XX/XX/2016. I gave my PNC card to the personal banker so I could hook up my card with the account. I told him that I wanted to earn the relationship rate after the XXXX month promotional period ( for this account ). After viewing my account online after the promotional period, I noticed that I was earning the standard rate of .17 % ( instead of the .75 % relationship rate ). I called PNC and reported this issue to customer service/management that I should have been receiving the relationship rate on my account since XX/XX/2016. The reply that I received was that my credit card was NOT hooked up ( thus, not showing the minimum transactions used with the card ). The reply and I received was that she would put in an " interest dispute ''. I finally noticed, on XX/XX/2016, that the rate had been changed to the relationship rate of .75 %. I called PNC bank numerous times trying to resolve this issue. As of XX/XX/2016, I 'm still waiting. Since this was in fact an error on the part of the personal banker at PNC, My account should be credited for the rate difference on my balance from XX/XX/<YYYY> XX/XX/2016. I would like to be treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refusal of Mortgage Company to reduce monthlyPayment due to lower property taxes. 
My property taxes are {$760.00} per the enclosed bill. 
Real estate taxes from PNC show {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
first of all, someone put an active duty fraud alert on my report. I have never been to the military. Secondly, I have a hard inquiry from XXXX I haven't applied to them since the first time which was XX/XX/2021. They denied me then so why would I try again knowing it would hurt me and my problem is XXXX has phone numbers to call but you only talk to an automated system which is why I am submitting this complaint to you. Pursuant to 15 U.S. Code 1681b ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX TRANSUNION, and XXXX any written consent to report or furnish anything on my consumer report. No consent is identity theft.

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 2015-04-24
Company: Global Credit & Collection Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Affinity Global ( was XXXX ) has called my ex-husband, his sister-in-law, my father and my daughter telling them I owe a debt and implying that I am in legal trouble for non-payment - XXXX of which are not true and is in violation of federal Fair Debt Collections Practices Act. They call my phone at least XXXX a day after I have told them many times that the debt is not mine. I sent a letter in XXXX XX/XX/2015 asking them to desist and to remove my number, and the number of anyone they associate with me from their records, yet they still continue to call and harass me and family and friends. Their language is threatening when they leave a message. Usually, they will call XXXX and hang up when they get voice mail, then they will immediately call again. The caller ID on my phone shows the calls coming from different states and numbers, yet it 's always the same person, XXXX XXXX, that leaves a message. I would like these calls to stop. I have also never received any kind of written notice from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi Capital one office of the president ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX AND XX/XX/2021 and during last year during the pandemic. Do you mark people during global pandemic? 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Letter to Remove Inaccurate Credit Information

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 2017-05-26
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In  XXXX  o f 2017, I  called to close my account at   XXXX   XXXX  . They were going to waive a few additional fees and submit my account for closure. In   XXXX   of  2017, I rece ived an additional bill showing that additional fees were accessed and my account was still open. I called and they said they would waive fees but I needed to call ba ck in 10-14 days to   close the account. I told them it was not acceptable and they needed to write me via email when the account would be closed. I received an original confirmation from   XXXX   XXXX  , but now they will not correspond to me via email to verify account has been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have notified Santander Consumer that I was a victim of Identity Theft, my wallet was stolen, I provided Santander Consumer with a Identity Theft Affidavit. To date, Santander Consumer has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently in a COVID forbearance ( under the CARES Act ) which is due to end soon. In trying to understand my options for when my forbearance ends, I am having difficulty getting a clear answer from my mortgage servicer, Mr. Cooper ( formerly NationStar ). 

The only options they are offering me is to pay the lump sum of total payments missed during the forbearance or go through a loan modification which is what I do NOT want to do or go through. 

I do not understand why they will not offer me a COVID-19 Payment Deferral option which was my understanding at the time I took my forbearance would be an available option. 

This option does not come up on their portal, so when I call, I am told that option does not come up for them. Then they tell me to contact their escalations department. When I do that, I still do not get an answer as to WHY I am not being offered this option. I feel this is EXTREMELY UNFAIR as I was told this would be available for me at the end of the forbearance. I am simply asking for an explanation why my account is not eligible for a deferral and have not been told why. I feel this is their way of making yet another money grab off of missed payments that were covered under the XXXXARES Act. Under the law, I do not have to pay interest on those missed payments, yet they are forcing me to do a loan modification. And in fact, every month during my forbearance, I did make partial payments. 

I'm hoping maybe you could assist with getting me an explanation as to why they simply can not defer the amount to the end of my loan? I am not sure this is even legal under the CARES Act. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
To all parties involved I have sent requests to these companies listed and have not received any responses. This is very unprofessional and I feel as if my situation has not been addressed properly. I notified these companies that the accounts listed are not mine ; I have been ignored and at 63 days after the fact they must be removed. Again these companies have failed to supply proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Again I have reached out and gave a sufficient amount of time for them to rectify this situation and I have not gotten any responses yet. Unfortunately my information was also compromised by the XXXX  Data Breach. Thank you for your assistance in this matter.

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 2015-06-22
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
NCB has called repeatly to my work, which I have asked to stop. Calls are threatening for a debt I do not owe. Mutiple calls daily.NCB has even called my child 's cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: CO
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:
On the last complaint I submitted, I explained that I sent 2 letters with XX/XX/XXXX being the last date I sent a letter to the bureaus regarding this collections account that does NOT belong to me. Not only have I called in several times about the account, but I've called numerous amount of times as well! It's been well OVER 60 days now. In the next 60 days, how do I know the bureaus won't say this again? It's a stall tactic and preventing me from being able to obtain the credit I am eligible for!! I do not understand how an account that again does NOT belong to me is being reported.The credit bureaus are in violation of my rights per FCRA. This is false reporting and negilgent of the bureaus and collector. I will not tolerate being overlooked and undermined about a serious matter. The bureaus WILL be hearing from my legal team to pursuit remedy and litigation from both the collector and bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: TN
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 Bureau never did a proper Investigation According to the FCRA The term investigative consumer report Means a consumer report or portion therefor in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have Violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my consumer report.

The Credit Bureaus stated my accounts was properly investigated, how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT, CREDIT LIMIT, PAST DUE, PAYMENT STATUS, LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT is inaccurate. This is ground for REMOVAL/DELETION. My account is also having duplicate account.

In addition, they also Violated my LAW because according To 15USC 1681 Section 602A States I have the right of Privacy 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions.

( 1 ) Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX I sent a certified letter never heard anything back my XXXX XXXX XXXX mail receipt 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 2016-12-05
Company: PNC Bank N.A.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
To : Whom it May Concern at PNC Bank " '' I spoke with someone from your office ( XXXX or XXXX ) stating that my late payment would not go through until XXXX XXXX, 2016 and would not leave my account until XXXX XXXX, 2016. He told me that mine and my CO-signer, XXXX XXXX 's credit scores would not be affected from this delay since I was prompt in fixing the misunderstanding. His credit was above XXXX and now as you can see with his printout it is now at XXXX. I also spoke with XXXX in your office this morning regarding disputing this credit score change. Please let me know if you have any additional questions. Since the payments have been processed as of XXXX XXXX, 2016. I ask that his credit and mine not be affected by the misunderstanding. " '' Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: FL
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 ACCOUNTS THATS IN MY NAME THAT I DID NOT OPEN WASNT AWARE OF IT MY PERSONAL INFORMATION WAS USE IM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/2020, I received an alert from both XXXX and XXXX XXXX that Experian had processed a inquiry from XXXX XXXX  into my credit history yesterday, XX/XX/2020. I have never done any kind of business with XXXX XXXX, so I decided to contact Experian to tell them that this inquiry was not authorized by me. Furthermore, Experian already has an active freeze in place on my credit report, so they shouldn't be responding to such an inquiry in the first place. I was unable to get anyone from Experian on the phone. Their automated telephone system asked me to visit their website to place a fraud alert on my credit report, which I did. I made three attempts to activate a fraud alert using their web form. All three times, I filled out the form completely and accurately, but all three times, all I received was the response, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' As of right now, my credit report still does not have a fraud alert, and I have absolutely no assurance that the credit freeze in place on my Experian report is doing anything to protect me, since they clearly responded to an inquiry in spite of the freeze. This is absolutely unacceptable, infuriating and illegal. An organization that is responsible for the privacy of information of millions of people must be held to a higher standard. Experian should be ashamed of themselves, and heavily punished.

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 2021-06-17
Company: EQUIFAX, INC.
State: HI
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:
This is hard to describe, but this best I can do. I watch my XXXX  report. I am a XXXX, not XXXX. 
I am relocating from XXXX  to XXXX. An XXXX  rward card would help. 2-3 weeks ago, XXXX  reported I had one hard inquiriry. 
I applied to XXXX and XXXX and was denied due to excessive inquiries - all of a sudden 9. 
I also got a notice with the wrong address stating I was denied for a loan. It had the wrong address on it and I have no recollection of applying. And why would I. I am happy with my XXXX XXXX and Bank account. 
People dont answer the phone and I can not delay patients to to sit on hold. It is XXXX and I havent slept. 
I know have been defrauded by XXXX, but have no meaningful resolution process. I get denied for a purchase I did not have a meeting of the minds with and I never received. They refused to contact vendor, the obvious solution. They also approved a transaction flagged as fraud by XXXX XXXX, which I am not stupid enough to ingnore and reply to XXXX. 
I have a time issue due to working long hours, plus my relocation is in danger. As a XXXX XXXX during Covid, this seems quite unprofessional. I reach out ot you as 1 ) Inquiriry count is wrong 2 ) fraqudulant charges 3 ) lack of response by credit agencies and issuers 4 ) inability to persit due to time limitations 5 ) Risking poverty due to not being able to fulfillobligtions due to these errors. 

I dont know where else to reach out I the consquence become serious in a week or two.. 
I thank you for any help you can supply and getting these complaints on the record. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation