BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
TO WHOM IT MAY CONCERN. As you requested that your office be updated on this case. As of now the sale date XXXX of XXXX. Mr Cooper requested all information to do a modification. All the information reqtired for the modification has been sent mr cooper. The problem is that Mr copper has not requested for the court to extend the sales date. To allow the needed time to finish the modification. We are writing to you to help us request an retention date., .We are still working with XXXX XXXX XXXX We need time to complete with that. To enable us to save our home. The court appointed a mediator. The court mediator did everything to have a work out. The bank will not corporate. The bank came up with a monthly payment of over $ 7000 monthly. Knowing very well that is not practicable. The court mediator approve for us to go to the XXXX XXXX We are now working with XXXX XXXX. They said that they will need 60 days to finish the process. Please see some of the correspondence with the XXXX XXXX. The bank now have refuse to give us the time to finish the process. They have refuse to change the sale date. The XXXX of XX/XX/2022. Please see the court information. We are appealing to your office to help us to appeal to the bank to allow the process with the XXXX XXXX And the bank recent request for all our documents to do a modification. We just forwarded all the bank requested information to the bank. The bank need to extend the sale date to allow all this process. Our situation is urgent. We appeal for your office to help us. The bank has one goal in mind., That is to write off XXXX XXXX XXXX in there tax return. They have compounded interest and other charges in the principal of the original loan amount. In hope that you will came to our rescue. Thanks in anticipation. XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Connecticut, XXXX. 
XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: WELLS FARGO & 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: Other problem

Complaint:
My bank send me a letter graduating my secured card graduation but no credir line increase i find this not fair after being a good customer and the branch in XXXX  XXXX  closed when I called they said they are closing and dont know what will happen this is scary customer service told me they might not reopen if their isnt money

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 2017-05-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is related to checking and credit card accounts with USAA.
USAA will not allow me to make any changes to my accounts online. I can only view account information, but make no changes. USAA says this is because I owe them {$370.00} as a result of overdrafts. I can not modify my auto insurance. I am making payments on a credit card I had with USAA, I can not change or in any way adjust the amount I am paying because I do not have the ability to do so. The only department that can change this is Collections. Collections does not allow communications through any medium other than phone and wait times average over 30 minutes. They will not communicate through email, messaging or even paper correspondence. I have been unable to reach them due to the extended wait times on the phone ( this is the norm according to related internet forums ). In addition USAA began withdrawing from my checking account WITHOUT MY AUTHORIZATION when the debit card I was using to pay became compromised and had to be closed.     Until last year I had no electronic access to my  XXXX   XXXX   XXXX   XXXX  account as they refused access because I had declared bankruptcy. That is now fixed as a result of the CFPB 's action s (  Thank you ! ). I dispute the {$370.00} charge but can not get it resolved as I can not reach Collections. I need to change my credit card payment but can not as USAA will not allow me to modify my accounts online. I wish to modify my auto insurance but can not do so as USAA wi ll not allow me electronic access/changes to my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: CITIBANK, N.A.
State: NV
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:
I HAD A BRAND NEW CREDIT CARD ACCOUNT WITH CITIBANK NOT EVEN 2 MONTHS LONG AND OUT OF THE BLUE THEY HAVE DECIDED TO CLOSE MY ACCOUNT. I HAD FILED A DISPUTE WITH THEM FOR SOME TRANSACTIONS THAT WERE UNAUTHORIZED. THEY NEVER RESPONDED OR CREDITED MY ACCOUNT. I RECEIVED A LETTER ALL OF A SUDDEN SAYING WE FREQUENTLY REVIEW CARDMEMBERS REPORTS AND THAT MY REPORT SHOWED A NUMBER OF REVOLVING ACCOUNTS WITH BALANCES? FIRST OF ALL I KNOW THIS CANT BE RIGHT? SECOND OF ALL I DID NOT GIVE THEM PERMISSION TO REVIEW MY CREDIT REPORT ANY TIME THEY FEEL LIKE IT! I GAVE THEM PERMISSION TO ACCESS MY REPORT WHEN I APPLIED FOR CREDIT.

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 2016-09-30
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC Bank N.A . ( PNC ) has a program called " XXXX XXXX '' where PNC demand account holders can transfer funds from their account to another PNC account holder. I transferred {$1000.00} on XXXX/XXXX/2016 to my girlfriend XXXX XXXX into her PNC checking account to pay her mortgage. The funds were debited from my account on XXXX/XXXX/2016. 

I called PNC today XXXX/XXXX/2016 to find out why the funds had not been deposited into XXXX account, and PNC stated that the funds would not be in her account until XXXX/XXXX/2016. This is six days from the day that the funds were debited from my account. Therefore, these funds were not available for her to pay her mortgage. 

PNC states that " XXXX '' funds transfer will take at most three days. 

Because we acted in reliance of this transfer being completed on a timely basis, we were left in a worse situation than if we had used the " XXXX XXXX '' service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: MS
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:
THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: NY
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 pulled my credit report to make sure everything is correct and I came across information not matching. 
Everything on my credit report needs to be 100 percent correct or I have the right for a deletion. They have made several violations against me XXXX XXXX XXXX XXXX Acct Type- Detail information does not match XXXX XXXX and XXXX XXXX Opened-information does not match XXXX XXXX and XXXX XXXX Limit-information does not match XXXX XXXX and XXXX Last Reported-information does not match XXXX XXXX and XXXX Comments-information does not match XXXX XXXX and XXXX Date Last Active- information does not match XXXX XXXX and XXXX Date of last payment - information does not match XXXX XXXX and XXXX Also XXXX is still reporting my account every month when they no longer have my account These are all violations especially still reporting ok as you can see in my credit report page I supplied.

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 2015-10-01
Company: PNC Bank N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a virtual wallet account with PNC Bank which i opened during end of XXXX 2015. As per the customer service and branch person 's instructions I was told that I need to maintain a combined balance of {$2000.00} into all my accounts ( spend, growth and savings ) - which i did to avoid any service charges. 

On XXXX and XXXX there are deductions of {$15.00} from my Spend account - why? I remember speaking to customer service last time that I need to maintain {$2000.00} as a combined balance in my XXXX account ( all across my XXXX account with PNC bank XXXX - which i did. then why the deductions??? It 's in name of some " calculated service charge type pr ''. And moreover when PNC have my contact details on file ( with alerts and notifications ) - email as well as phone # why did n't PNC called me up in case you are going to levy these kind of charges? 
They have made this XXXX account so confusing ... just to make money out of the customers by hook and crook.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
experian XXXX  XXXX  Taking longer than 30days to investigate an FTC Violations XXXX  XXXX 12 accounts

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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  transunion XXXX  Taking longer than 30days to investigate an FTC Violations XXXX  XXXX 12 accounts

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 2020-10-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My husband and I have a mortgage through Carrington MortgageLLC company it hasn't been reported on our credit reports since XXXX of XXXX They took it over XXXX XXXX I believe we were hacked and this isn't a reputable company. I put their wrong adress down not sure how to fix it it is Attention Carrington Mortgage DepartmentXXXX  XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX CA XXXX phone number is XXXX I spoke to a lady that said they didn't get our bankruptcy discharge which is Bull because we didn't file until XXXX discharged in XXXX and we have had 3 different lenders in 16 years almost 17 bought house XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Was trying to make payments but they wanted more and I could n't afford it. So they suggested I put it in forbearance. I did n't want to do that so I was paying a little bit each month just to keep it on good standings on my credit. Go to look at my statements and none of my payments or anything have been applied to my account so where is my money. Get a email and they want to raise my payments even more. Your ca n't even tell me where my money has been posting if at all for the last 8 months. I took my bank card off my account so they ca n't take anything else out automatically until I figure out what 's going on with my account. I still do n't understand how I took out a XXXX loan back in XXXX being a single mom and everything and it has somehow gone to XXXX loans. I got XXXX paid off but XXXX more high ones. More than XXXX. This company and XXXX XXXX were robbing people. And refusing to work with them. People ca n't afford XXXX a month and you guys wanted to raise my payments I ca n't afford that but was willing to pay something and was paying it and it has n't even showneed up on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: IL
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 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 XXXX has me at a score around XXXX. 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 XXXX 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 im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help

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 2017-02-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
REFERENCE : XXXX XXXX XXXX XXXX XXXX, NJ XXXX FORECLOSURE STATUS XXXX/XXXX/XXXX We have placed a complaint that the above mentioned property is a " zombie property '' with CFPB Consumer Finance. The lender XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX NJ XXXX responded to the complaint stating that Select Portfolio Servicing Inc. took the servicing right of the loan on XXXX XXXX, XXXX. 
We are completing another complaint to include your company The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XXXX The bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes. Thank you for submitting your concerns about the property listed above. Because we value our customers ' privacy, we wo n't discuss any account information with you without their permission. 

The servicing rights of the loan were transferred to Select Portfolio Servicing ( SPS ) Inc. on XXXX XXXX, XXXX. You will need to contact the servicer for additional assistance at : Mail : Select Portfolio Servicing , Inc Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Response We received your inquiry from the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. We have completed our research and have mailed you a letter with our findings, and any next steps, if applicable.

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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, and, Account # XXXX 
XXXX XXXX  Account # XXXX, has violated my rights. 


15 U.S.C. 1681 Section 604 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-01-08
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of idenity theft and I sent in all the documents and they removed everything that was fraud except this one account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Ceannate
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was contacted by XXXX XXXX XXXX XXXX XXXX, NC XXXX about a defaulted student loan. I was well aware of the loan status. I emailed the documentation, and made 5 required payments for rehabilitation, of {$65.00} each beginning XX/XX/XXXX. I was contacted XX/XX/XXXX with a wage garnishment notice from my employer. I was told that because we did not sign the tax document on the correct line, and signed at the bottom of the document, that our documentation was not correct. They also stated that there was not proof of the other student loan payment that I was making, although I sent the statement from XXXX, showing the payment amount of {$130.00}. When I contacted the company on XX/XX/XXXX, I was told that I would have the garnishment amount of approximately {$310.00} along with another 5 months of rehab payment, now at {$350.00} instad of the previous amount of {$65.00}.

Company response to consumer: Closed with explanation