BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint involves PNC Mortgage XXXX. I called XXXX who owes my loan and they directed me to XXXX to communicate with PNC concerning a loan modification on my mortgage since I got the run around last year trying to get a modification. XXXX has changed my person of contact twice but still trying to get this loan modification approved with a XXXX Modification. XXXX told me last week that I was approved for a loan modification and PNC would be contacting me stating that I was approved. To date, I have not heard back from PNC about being approved. I did finally reach someone at PNC on Monday-XX/XX/XXXX, and they said they would call back on Wednesday to discuss this but now there phones are disconnecting me when I enter my last XXXX digits of social security number. Once again, PNC is trying to wait me out so this can expire. They will then start all over and ask again for all my personal bank statements with the excuse that my time has expired since I did n't send in all requested documents which I have done numerous times. I was approved for my loan modification back in XXXX XXXX after numerous lost documents on their end with their ( PNC XXXX in-house modification which by the way was misrepresented to me at the time of application and were further obscured and modified prior to signing. I was promised a lower interest rate and they only extended my mortgage loan to 40 years. No lower interest rate was given even though they told me via telephone they would lower it. My financial situation has changed and again, I 'm going through the same drag out with PNC only this time, they are attempting to foreclose on me with their attorneys, XXXX Law Offices XXXX even though their mitigation department has sent me loss mitigation letters stating they ca n't foreclose while reviewing my application for modification. It seems that neither their attorney nor their Loss Mitigation department are communicating and I could lose my home due to their lack of communication with each other. We are very proactive in keeping our home. This is our primary home by all means. We are the parents of XXXX XXXX XXXX XXXX children. XXXX We have lived in our home for 18 years. I contacted XXXX since they own my mortgage and they referred me to XXXX. I have attached their information and PNC attorney info. We are currently in Bankruptcy Chapter XXXX and it takes 5 years before our bankruptcy is discharged. We 're three and one half ( 3 1/2 XXXX years into our bankruptcy and it wo n't be discharged until XXXX XXXX, XXXX. PNC denied us a HAMP modification stating our bankruptcy was not yet discharged. We looked into this and discovered that we ca n't be denied a HAMP due to our bankruptcy not being discharged. Any help you could provide us would be greatly appreciated. 
Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: CONTRACT RESOLVE GROUP LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I am a small business owner of a XXXX. I have been doing business with a particular vendor for about a year, since I have been open. I have fallen on hard times and have not been able to make payments on my invoices, by the same token, I still have a lot of the shoes still sitting on my shelf. I finally had a little bit of money and was willing to pay in good faith, as well as negotiate taking back some shoes ; however, yesterday afternoon, a man by the name of XXXX ( it keeps changing ) from the Contract Resolve Group called my store and proceed to harass my employee. I was not even aware that my account was going to collection, let alone have to deal with such inhuman behavior. This gentleman has spoken some of the most vulgar things I have ever heard. IN addition he has called my store at least XXXX times in the last 24 hours. Today it got so bad that we had to take the phone off the hook ( and we are a place of business so how practical is this ). He has threatened legal action and has even started calling my other job ( I am a XXXX ). His email are also harassing and his calls are outside the XXXX XXXX call window. I am at my wits end. All I want is to deal with my original vendor and come to some sort of agreement. This gentleman is scary and dangerous. I refuse to deal with someone who exhibits such unprofessional behavior. I am contacting you because I am hoping you can help me. I have contact the BBB ( which has already recorded XXXX complaints similar in nature against this company ). 

I am not a dead beat, just a small business owner with some financial difficulties because of a slowdown in business. I would appreciate and would be indebted to you if you could do something about this situation. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: I.C. System, Inc.
State: TN
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 attemped to resolve this is sue with Credit Reporting Agencies and the comp anies included in my complaint.   Approximately 18 months ago I started receiving delinquent noti ces from I.C. Systems, INC.  {$890.00} and  XXXX   XXXX   XXXX  {$99.00} that 's located in Washington State for accounts opened in  XXXX  and  XXXX   XXXX  respectively. I advised them that I 've never lived in or visited Washington  State.  My son by the same name and obvious ties to my address was stationed in the  XXXX  there. I was advised in early  XXXX  by th e I.C. Systems INC.  and  XXXX   XXXX   XXXX  that the matter would be resolved and taken off my credit record.   AS of  XXXX   XXXX ,  XXXX , the incorrect information has not been corrected and continues to negatively effcet my credit history and score. Please advise.      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 2017-05-13
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I went to  XXXX  for  school an d at the time of attendance i was told i would have a Temp Credit loan through them, right around graduation i was told i owed {$5500.00} and i would have to start making payments to them after graduation, well a few weeks later i got a letter from a company called  XXXX  stating i owed them payments never signed up with them apparently  XXXX  owns them and sold my loan over, i tried working with them to lower the payment but was told since they are owned by  XXXX  they couldnt lower the payment since  XXXX   wont  agree on it than they sent me to " collections '' as i was told turned out it was a lie never was just a scare technique well i made a complaint and they finally agreed to lower the payment to {$25.00} a month, i thought this was odd since i dont ever remember signing a  MPN  for this place so i asked them to send me a copy and was told they didnt have to since this is a private loan through  XXXX  and i have to pay this no matter what, again thought this odd why do i have to pay a loan i never agreed on, i have not been able to make the payment in  two mon ths so they sent me a bill for almost {$600.00} i dont make that on a paycheck and with no MPN how can they prove this, all i want to do is put this in forbearance and these people wont help me they just want money i dont ever remember signing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 

i already fix the problem even with the irs and i got proof of it ( documents )

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 2015-07-24
Company: IQOR US INC
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I called to file a complaint against a debt collector for XXXX XXXX Bank and received a email requesting additional information. I tried calling and got a message I was unable to leave a message. Can someone respond to this email. Thank you. 

XXXX XXXX XXXX, 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX I opened up an account at the US bank XXXX location when opening the account the branch manager XXXX helped set me up an account I was asked for my current proof of address I showed her my temporary valid Oregon driver 's license & a decree from the court for my name change she said that was okay & proceed to open up my account & everything was okay until 2 days later on XXXX/XXXX/XXXX I missed a call from the bank I returned the call & got transferred to the branch manager XXXX she then told me to bring in a proof of address I told her that my id has my current mailing address on it she told me to bring in a document after I had already showed her proof when opening my account the same day I brought in the document at her request XXXX/XXXX/XXXX I got another call from the bank manager asking me to bring in another document that has my name & proof of address again I told XXXX that I have already gave her several documents of my personal information & that its difficult for me to come in to bring in documents being that I have a XXXX & do not have access to a computer at that time she went on to tell me I have to bring in what she has asked for because my account will have a hold on it on XXXX/XXXX/XXXX I bring in the documents that XXXX asked for the very next day she made it difficult for me to use more then a XXXX for daily purchase 's & I tried using my atm card on XXXX/XXXX/XXXX & it would not let me access my funds I asked can I come into the bank & withdraw small amounts of my money per day until all is taking out she told me she has to order the money from the bank & that it would take 1 week I am being profiled with my own money I have tried calling district manager 's & other managers from other locations & still no one can help me no one has called me I look into this matter yet I also have proof that I emailed the bank manager XXXX & she never sent me a reply & the message was sent successfully 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 2015-05-07
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Within the last year I have fell behind on my mortgage with US Bank. The reason being is because the insurance rate went up and my mortgage went up over XXXX per month. US Bank told me I could apply for a loss mitigation program which I did. All the payments were made through the trial period and once complete I was denied because they said they never received the forms. I mailed them directly from the XXXX XXXX XXXX. I am being told I owe more then they are able to calculate with late fees and delinquencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bought round trip tickets with  XXXX   XXXX  and the  XXXX   XXXX  cancelled  1st leg  of the trip last minute and we had to buy another ticket with   XXXX   XXXX   XXXX  for much more. We want to dispute the {$100.00} that we spent  XXXX   XXXX  for the round trip ticket that   XXXX   never fullfillled. We want refund from  Citi Bank Visa.

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 2017-05-13
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I took a loan out with   XXXX   XXXX   back in  XXXX  that was modified by the Federal Government. Then these recent group of companies hiding behind   XXXX   XXXX   are attempting to say I owe them money when this loan was paid off long ago and they know it. As a matter of fact   XXXX   XXXX   has recently been fined $  XXXX  by the  OCC  and I wonder if you can forward this complaint to them as well. The acting agent of   XXXX   XXXX   is  Caliber Home  Loans. I attach a copy of the complaint and they have been posting my payments to  Unapplied F unds and Escrow and not to Principal as agreed. In fact I had {$13000.00} in Escrow back in  XXXX  which were never applied to Principal.Thank you so much for your help.  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Seterus/XXXX in CFPB compliant XXXX, I complained that Seterus is not providing me with the assumption documents due to be heir to my dad 's homestead that under florida law upon his death by default I become owner of the property. Seterus responded that I still need to provide other documents to proceed with the assumption documents. 
I have filed bankruptcy protection on my property as heir at the time of my dad 's death. 
Seterus did not dispute my ownership to the property and is requesting to continue the mortgage payments, thus its concession of my standing as ownership. 
XXXX district of florida XXXX How can i continue the loan payments when seterus is not providing any documents executing me the legal title owner of the property and responsible for the mortgage loan Until I execute the required documents to assume the loan why should I continue making the payments Seterus is willfully violating federal law, Garn-St German Act ; CFPB Final Rules 12 CFR part. 1024-1026 XX/XX/2016 and regulation on assumption of loan as heir to decease father and at the same time grossly unlawfully in bankruptcy proceeding requesting me to continue payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has changed the status of closed accounts to open status. It seems as when you dispute items on your credit report Equifax will change the status from closed to open on old accounts. I feel that this is an effort to lower your credit score. I have spoken with another family member and they mentioned that they had the same issue with Equifax reporting closed accounts as opened. Equifax should be investigated for this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company claims to be missing a mortgage payment from XXXX 2015 that was withdrawn from my account {$1500.00} on XXXX XXXX, 2015, I also made a payment of {$3100.00}, on XXXX/XXXX/2015, although I was behind those XXXX payments would have had me caught up on my mortgage. I called to place and investigation and no one ever got to back to me, I have been having problems with this mortgage servicer ever since my mortgage was sold from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, I recently discovered while checking my credit on credit karma that there is an address that is not mine. This address I have never been to and I want this to be remove from my credit reports has I think this could be a person trying to do fraud using some of my information. 

The wrong information on my credit reports are as follows:XXXX , CA XXXX - this has NEVER been my address and have NEVER even been in the area. I just recently moved to XXXX. 

Could I have some help on how I can remove these from my credit reports? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The collection files are third party account that are from Fraudulent account. The account was removed for fraud in XXXX of 2014. I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: EQUIFAX, INC.
State: MA
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 sent the company  XXXX  certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to  XXXX   XXXX .   Both companies have yet to provide any validation bearing my signiture.     After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: FIRST ADVANTAGE CORPORATION
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of identity theft, and for the second time im receiving a negative consumer report, in which I disputed the false allegations once before and I will be disputing this report again because it was not me, I was never put in such a criminal situation. I was able to get a position at the same company in question, and they also had a background check done and I disputed it and I was able to work with the impression that the negative report was removed from my name. I need it to finally be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX /15 i got started in the IL.Hardest Hit program, I did all the requirements requested in a very timely matter as requested, such as to provide all documentation as requested. I even had to give them XXXX years of Tax returns with with over at least XXXX pages! BY the time I was almost in the program Wells FARGO CAUSED me to not be eligible by saying to get my loan current, the amount would be {$34000.00} on XXXX/XXXX/15 IL. Hardest Hit program sent me a email to inform me that! I was in shock, as soon as I got home that day I called Well Fargo they told me that the amount was {$18000.00}! They also faxed me a XXXX document the same date XXXX/XXXX/15 saying that, and i also got a letter stating the same thing XXXX days later! The same night I faxed and emailed theXXXX letter stating what the amount was, so she said she would forwrad it to her boss! XXXX days later they told me that wells fargo was adding escrow fees and some other fees to prevent me from getting into the program!!! That was {$35000.00} that wells fargo kept me from getting also since they sold my lone! 
THANKSXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Wells Fargo opened an UNauthorized credit card account for my son. He had just turned XXXX years old, was a XXXX and had no job, instead took care of his sick father. He was not financially capable of repaying this nor did he have any kind of financial literacy regarding credit. This was in XX/XX/XXXX. I was not aware of any of this until he had a balance charged off. XX/XX/XXXX I sent Wells Fargo a letter stating that issuing my son a credit card was in violation of The Credit Card Accountability, Responsibility, and Disclosure Act of XX/XX/XXXX which states numerous criteria but one of which is that a parent must co-sign which I 'd NEVER do. I 've asked them to remove this from his credit report based off of the this, but they did not comply. XX/XX/XXXX, my son was approved to attend XXXX University which only XXXX applicants get accepted per year. His credit report was pulled, the Wells Fargo charge off appeared and they denied him admittance until this issue is resolved. Wells Fargo has a history of this type of behavior which I feel is predatory. Please assist me in getting this resolved immediately.

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 2017-05-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a   XXXX   balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.

Company response to consumer: Closed with explanation