BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from Bureau firm stating the ID I submitted was insufficient to verify my address and identity.

I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience. Second time I sent disputing letter to Bureau and received no response.

They have sent me a letter that indicates WRONG DATE on this account, not the same as what it shows on my report. Besides that I strongly believe this account is Mistaken Identity. 

XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have reached out to transworld systems regarding this debt and my request for validation they removed the debt from my report and than placed it back on there with no valdiation of the debt. I need someone to send me validation of this debt within the FCRA timeframe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was approved for a loan modification through M & T Bank last year. After making the XXXX XXXX trial payments, I have been sending the modified mortgage payment to M & T Bank as agreed. However, M & T Bank has reported my account as delinquent to credit bureaus showing I have not made any payment since XXXX 2014. At the moment, my credit report shows I have n't paid my mortgage for XXXX months. This is not true, since they have been cashing the money I send them every month. My credit score has dropped dramatically since M & T reported the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I work for a XXXX XXXX  in Massachusetts. During this so called pandemic our politicians have shut down the country. As a result my institution had a mandatory furlough that all employees had to do. At this time I had to collect unemployment for the time I was not working due to the pandemic. At the time that I had to furlough I applied for unemployment but did not receive any funds. As a result I fell behind on one of my credit card by 2 payments for Bank of America. My balance on the card was XXXX and on the third payment I put XXXX on the card, which is almost 50 % of the balance. I was told that my account was closed. As a result this was reported to the credit bureau which in turn affected the balances of my other cards such as my home depot card credit limit and thus my credit score. I asked if I could be given some consideration due to the fact that this was caused by the pandemic and the inability to work. I was told there was no accommodation for that. I still have not received my unemployment benefits for the time I was furloughed in XXXX for the furlough I did by the Massachusetts Unemployment Department. I have called over 30 times, along with my Governor, Senator and Congressman and nothing has been done. How do politicians close the country down and refuse to pay benefits then feel it's fair to destroy everyone 's credit in the process? This is absolutely disgusting that the taxpayers are periodically asked to bail the banks out but the banks have no consideration for the tax payers, this just reveals the level of corruption taking place.

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 2016-05-31
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are ALWAYS current on our payments yet Ocwen continues to call EVERY DAY including SUNDAY to RE-DISCUSS that our payment is changing and that they received our insurance changes and all is well. this was discussed thoroughly with an agent over a week ago yet they keep calling to say the same thing! ENOUGH! 
Caller : OCWEN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I totaled my car last XXXX. Ally told me that I would be covered by gap insurance. My insurance company paid the bill and I should have been good. Fast forward 3 months my credit score decreased from XXXX, due to Ally Auto continuously destroying my credit by 36 pts at a time. Ive been trying to fix this issue since XXXX, I can login, no one at Ally can/will help me. According to them i do not exist in their systems and each time I call Im either transferred to different departments for HOURS ( I have several witness to this ), or hung up, or told they can not transfer me until I give them all this valuable information. I am refused a manager each time. Only once I was able to get ahold of a supervisor after going through Ally Bank ( different building ), the man refused to be referred to by anything other than M3. He claimed an investigation would be completed to have this checked out and I would need to wait 60 days for an answer. I never received an answer, an email, a call nothing. And each time I attempted to call I was told that person did not exist. I just want to pay my bill. The only reason I know it exists is via credit karma. I am not able to dispute any of these scores ( Ive tried ). Recently several days ago, Ally demanded my number over messenger and then sent me an email off a personal address trying to give me money. They refuses to allow this to go farther. Yesterday I filed a complaint to the XXXX  and today I received a call- but an incomplete number was left ( last 4 digits are static ). I do plan to take this to court if this continues.

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 2017-01-19
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Dear CFPB : The description below is adapted from the latest in a series of emails and phone calls to the vendor and PayPal. Hold times are XXXX plus and then being disconnected. They are not working in good faith. 
PayPal has INCORRECTLY denied my appeal through vexatious tactics. I believe that PayPal has intentionally ignored facts and defaults to decisions in their favor. I have contacted the vendor, who provides documentation that PayPal mistakenly sent them ( the vendor ) an incorrect North Carolina address. I have informed them repeatedly through phone, email, their resolution center and appeal process that : ( 1 ) I have lived in XXXX, IL since XXXX. ( 2 ) All my financial accounts have had XXXX, IL addresses since XXXX. ( 3 ) I have lived at XXXX XXXX XXXX in XXXX, IL since XXXX. ( 4 ) I can see that my XXXX XXXX XXXX ; XXXX, IL address is associated with my PayPal account. ( 5 ) At no time while completing the online order in question did I fill in or see a North Carolina address. 
Since the vendor has demonstrated that PayPal gave them a North Carolina address, IT MUST BE THE CASE THAT PAYPAL mistakenly used legacy information in generating the invoice with the North Carolina address. ONLY POSSIBLE CONCLUSION : PAYPAL IS IN ERROR. 
To resolve the error PayPal must : ( 1 ) Remit {$45.00} to XXXX to compensate them for the lost shipment. 
( 2 ) Remove the {$45.00} due from my PayPal account. 

I have spent many hours dealing with this small amount. If PayPal refuses to correct their error in a timely manner and I must continue to pursue this case, I will consider time, stress, and any damage to my credit and/or credit score in taking further action. In additions, I will file cases with the Illinois Attorney General and the Consumer Finance Protection Bureau to clarify whether you are violating any law in your obstructionist treatment of my case. Your treatment of this case has been vexatious, as you have repeatedly ignored and failed to address the facts that I have presented PayPal and refused to accept responsibility for your error. 

Their repeated conclusion in favor of PayPal is contemptuous of the facts and indicative of a process that is purely biased in PayPal 's favor and blatantly unfair. 

Although this is a small monetary amount, the principle is large : consumers should not have to pay for the errors of corporations just because corporations have the resources to antagonize consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10
Company: Flagstar Bank, N.A.
State: MA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a mortgage with Flagstar Bank. They apparently mistakenly sent my mortgage ( and a number of other customer mortgages ) to XXXX for collection even though the mortgages are current and I continue to make regular payments. In speaking with Flagstar several times, they tell me that there was a mistake on their end in sending my loan for collection but it has been over a month and they still have not addressed the issue although they claim they continue to work the issue in their Research department. However, I continue to get calls from XXXX demanding payment even though I have sent an e-mail to XXXX explaining the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have a credit card account with Chase bank with account number ending in XXXX. We lost our income due to the Covid-19 lockdown in XXXX of XXXX and because of this started to have trouble making our credit card payments. Chase Bank allowed us to defer several payments but after their short deferral period ended, they expected full payment of principle plus interest each month even though our income still had not resumed. We attempted to settle our debt several times over the phone with Chase Bank but found that the bank representatives were unwilling to consider any option besides full payment of the debt plus interest. 

On XX/XX/XXXX, we sent a letter to XXXX XXXX XXXX, CEO of Consumer Banking, making a bonafide offer to settle our credit card debt. The letter was sent via USPS certified mail and was received by Chase Bank on XX/XX/XXXX according to USPS tracking. However, Chase Bank ignored our letter and instead of using the letter as a start to negotiating payment of the debt, Chase Bank instead chose to start harrassing us with many automated phone calls starting on XX/XX/XXXX all the way to the present day - making upwards of 10 calls per day from different telephone numbers ( I have retained a detailed call log to document all of the phone calls from Chase Bank with dates, times, and call durations ). The purpose of the calls was not to engage in a discussion but rather to harrass, threaten, and intimidate us into making monthly payments which we could not afford due to us losing our entire income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of this year, we were reported 30 days late on our XXXXXXXX XXXX   HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of 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 2016-04-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a debt with National Credit Systems. They are to report to the credit bureaus that debt is no longer in dispute. XXXX reports that NCS has not requested to have the dispute removed. I 'm not able to close in my mortgage until this dispute is removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accounts and inquiries appear on my credit report that are unverified and unauthorized

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 2017-12-08
Company: EQUIFAX, INC.
State: GA
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:
I did not authorize any of these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/2022 Called to demand deletions because the bureaus did not have consent and was hung up on. Told I was going to be transferred and was hung up on again.

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 2022-04-12
Company: Choice Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/2022 Called to demand deletions because the bureaus did not have consent and was hung up on. Told I was going to be transferred and was hung up on again.

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 2021-06-18
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I received a PNC Bank loan for {$110000.00} In XXXX I did use the COVID payment deferment program, which I did only for four months. 

XX/XX/XXXX I called PNC for a payoff because I was selling my house to my daughter. PNC said they would not give payoff over phone but to look at my PNC mobile app and that would show the principal balance which is the same of what payoff would be which was a little over {$110000.00} XX/XX/XXXX XXXX XXXX XXXX who was handling my closing, said they called PNC and was told payoff was {$110000.00}. 

XX/XX/XXXX XXXX XXXX and several bank friends agreed it seemed impossible to owe almost {$2000.00} more than the original loan amount after making over 30 payments of {$980.00} to {$1100.00} each month. 

XX/XX/XXXX I called PNC Bank again and spoke with a payoff person. She gave multiple reasons of why this happened but even hinted it does seem odd to payoff more than loaned, after making payments for three years. 

Overall I just find it hard to believe I paid over {$30000.00} in interest ( 4.8 rate ) for 35 months. 

Can you offer any suggestions or help? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a call from IC System Stateing I owe a Debt of XXXX to XXXX XXXX hospital. The rep Had a Incorect Address along with stating they Went to my Company Website to get my Phone Number. The Collection Rep changed my Address on the Contract they she claim I owe. When I told her I had Idenity theft she told me They will put this on my credit report come XXXX XXXX. I then called XXXX and wrote XXXX Letters with supporting Documents and they never Responded. I Do n't like the fact that the collection Agency change the address from where the fraud happen. I do n't even have a pet. XXXX and the collection agency refuse to even mail a Affidavit for me to sign or dispute the issue.

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 2021-06-18
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Suntrust calls me every day 6 times a day sometimes every hour

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 2021-06-18
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Loan Care was horrible to work with. 
Loan Care hired XXXX XXXX XXXX to foreclose on my home at XXXX XXXX XXXX, XXXX, AZ XXXX. 
I had to contact the investor to save my home. 
Loan Care took 3 trial payments before paying off my loan but yet I didn't get a refund or do I know if it was applied toward the principal. 
The loan closed and paid off XX/XX/2021 but yet the loan did not get released until XX/XX/2021. 

Loan Care violated my rights ; I want a refund

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