BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Gateway Mortgage District Manager XXXX XXXX recently listed a house w/ XXXX XXXXr- XXXX XXXX that my wife and I were interested in. We had got our prequalification done months ago so we could move forward w/ an offer as soon as we found a house w/our prequal amount ( {$300000.00} ).  Soon after we submitted our offer XX/XX/2018 our agent called me to inform me there is a note on the internal portion of the MLS listing that requested the buyer to go through Gateway for their prequal. I told my agent that why do they need this if we have already prequalified and she responded that the seller ( Gateway Mortgage ) was just looking to prequal w/ them and to talk to us so we could go forward. My agent also sent me a phone # for a loan officer XXXX XXXX XXXX to give him a call and see what he had to say. I asked our agent does this mean they are taking my offer for their house and she said she would ask ( she texted listing agent and called and got no response ). My wife and I went  ahead and called XXXX. He started the conversation by telling us we could do the prequal over the phone or on line. My wife told him she did not think it was necessary and also did not feel comfortable giving the seller our personal info. At this time XXXX said he would keep it private even though his manager is the seller of the property. When we asked about his relationship w/ XXXX he said they were co-workers. When my wife asked why we would need to redo a prequal XXXX responded that it was to make sure we had qualified for an amount to cover the loan and the seller felt more secure if the loan was a local lended. This is when my wife assured him we were w/ a local lender and that he must empathize w/ us being put in this awkward situation. He said he recognized the lender and said he was just doing what was asked from him from the seller ( his manager. ) and implied that if we did not go ahead and get a prequal letter from his company that the contract may not go through. We ended the call soon after he told us of his weekend availability. Two minutes later we received a text from our agent that our offer was rejected. I asked my agent today XX/XX/XXXX for a copy of the inter MLS portion and she said they removed the mortgage steering language from the listing since Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Experian Information Solutions Inc.
State: KY
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 was XXXX for almost 10 years. I was released from XXXX on XXXX. Almost everything on my credit reports and XXXX and XXXX XXXX reports are fraud! I could not possibly have taken out and credit or opened bank accounts during XXXX. Also fraudulent tax returns were filed in my name. Ill list credit report fraudulent accounts, inquiries, public records first. Also there are addresses and employers listed that are apart of the fraud. Ill then list bank accounts reported by XXXX  and XXXX XXXX. Then Ill list the years of fraudulent tax returns. 

Accounts : XXXX XXXX XXXX {$67000.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX/XXXX XXXX {$800.00} XXXX/XXXX XXXX {$620.00} XXXX XXXX XXXX/XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$0.00} Us department of education XXXX {$1200.00} Inquiries : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( yes2times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX {$450.00} Public record : Bankruptcy XXXX Bankruptcy XXXX XXXX and XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX XXXX bad check Ive also found out that fraudulent transactions have been done with the following companies : XXXX XXXX XXXX My family is teaching me about technology and we were trying to setup XXXX and they said my account is frozen. XXXX also wouldnt let me create an account and XXXX had all kinds of security issues. 

I have been contacted by more companies stating I have outstanding debts. 

XXXX 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 2022-07-09
Company: Experian Information Solutions Inc.
State: FL
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2017-08-16
Company: Servis One, Inc., Titusville, PA Branch
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The mortgage was originated back in XXXX of XXXX with XXXX XXXX and later acquired by XXXX XXXX. The note reads " FIXED RATE MORTGAGE NOTE ' Pick-A-Payment Loan ''. In XXXX I was forced to file Chapter XXXX bankruptcy, due to some Real Estate investments that went bad. The BK plan was for me to pay my mortgage payment to XXXX XXXX directly each month, while also paying the trustee {$960.00} each month as well. I did this for the whole 60 month term, and was discharged in XXXX of this year, XXXX. That same month XXXX XXXX transferred the note and servicing to BSI Financial. I have been trying to reconcile with BSI ever since, and just yesterday they gave up and explained to me that they could not explain their records. They sent me a copy of the note and what they are calling the mortgage history from XXXX XXXX, which is not decipherable. The agents final comment was " this is all we can do ''. This is why I am coming to CFPB for help. Some of the issues I am trying to resolve with XXXX and BSI are : Inaccurate accounting on the part of XXXX XXXX regarding claims for delinquent payments that I can document as paid Changing the mortgage payment before the anniversary date as outlined in the note ; a clear violation of the terms of the note Erroneous principal balance, overdue payments and deferred payment data from BSI that they cant explain * Nothing but confusing records and mortgage history ledger which cant be understood or explained by the servicing companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of the Equifax XXXX XXXX. My name is included in the list of potential clients affected. At this stage, I have no idea how badly impacted I have been and am assuming the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Security breach/privacy information not protected by Capital one ... I am asking the acct ending in XXXX and XXXX my personal capital one cards that are close because I suspected strange activity and capital one did nothing. When I called around the time the government shutdown they refused to do anything about my concerns, so I closed the accounts. Due to the large security breach I am a victim I know my social security number and information was hacked I get calls and i feel they did not protect my personal Information now I have all these strange things happening to my life. I want both personal capital one accts removed acct XXXX and XXXX from all 3 credit bureaus in lieu of me filing a case with a lawyer regarding my personal information being compromised and not protected by Capital one. The amounts of XXXX from acct XXXX plus acct XXXX balance XXXX I would like for both closed account to be remove due to this breach and incorrect balances on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Company 's response to initial complain was not factual, re-submitting Complaint # XXXX Dovenmuehle response was filled with untrue statements, I reached out to this company XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. Made several calls, all my concerns fell on deaf ears. i reached out to Consumer Financial Protection Bureau for help resolve. 

Yes, I understand the information provided by Dovenmuehle, is not factual and my concern has not been addressed. I never received a call a letter and I certainly have not received a check from Dovenmuehle as stated in their letter.

The {$2100.00}, Dovenmuehle mentions in the letter is the amount  my Mortgage would be if I opted to pay the overage of {$280.00}, over 12 months. if I opted to pay the {$280.00}, in full my payment monthly payment would be {$2100.00}. I paid double the amount requested, and asked for a re-calculation of my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Pursuant to 18 U.S. Code 1028A, Transunion has committed aggravated identity theft against me as they have obtained my social security number, birthdate, addresses, phone number, and alleged information from creditors including transaction history. I never provided Transunion with this information and plan to report them to the Federal Bureau of Investigation for aggravated identity theft, computer fraud, wire fraud and mail fraud.

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 2022-02-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls lately from a debt collection company named Fair Collections & Outsourcing ( FCO ) claiming I owe XXXX XXXX XXXX XXXX  some money and said before they can continue, I have to provide them with my social security number and date of birth. I never gave them of course. I am shocked to receive a letter from FCO that I owe {$3500.00} and if I can pay 50 %, my account will be closed with them. That looks even more scary for me. This is sure scam because I never lived in XXXX Texas where they claim I rented an apartment and never paid. I have never lived in XXXX Texas before and they kept on requesting for my personal 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 2018-08-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I purchased furniture from XXXX XXXX store in XXXX. ProCollect has owned this debt since XXXX. We were victims of a burglary and most of the items stolen from us. We filed a claim with XXXX XXXX we had purchased but it was never resolved. I called them to attempt to resolve it. Every time I have called they have said that I am refusing to pay. I am not refusing to pay. I am trying to settle. Today, XX/XX/2018, my husband helped me call, because I thought perhaps I was not communicating properly that I want to settle. We received aggressive and threating language from a Ms. XXXX and Ms. XXXX and the rest of the agents hung up on us. They also refused to assign us a new case manager. They claim they called me and I refused to pay, I was the one who called to try to resolve it. The call log is attached. 

I would also like a transcript of the phone calls so that it is made public and this company is properly investigated. Their modus operandi is disrespect, scare tactics, and aggressive behavior. They also misrepresent they have supervisors on the line and they don't. It felt like our conversation for a debt resolution was office gossip and one of  the agents event threatened to go to " XXXX ''. It is unsettling to know people have our personal information and are willing to threaten us over a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Bank Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-02-06
Company: Paypal Holdings, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I hope all is well I paid the debt for PayPal pay in 4 for the amount {$90.00} and several agents advised once I made the payment I would be able to use PayPal pay in 4. Im still not able to use Paypal pay in 4. It wasnt my fault that it went to your internal collections department because I tried to pay it several times but it was not showing up for me to pay on PayPal.com. Can you please fix my account so Im able to use PayPal pay in 4 that was stated by your other representatives ( several ) they said once I make the payment I will be able to use PayPal pay in 4 again and I have witnesses and documentation of this. Thank you for your time. Have a wonderful day and please be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been struggling to pay my car note over the years. I recently received my credit report, and saw my car was included into my Chapter XXXX bankruptcy. I did not know this. I did not sign any documents stating I was going to keep my car and contract with Santander. However, I have been paying {$400.00} for the last 6 years for a car that was covered under the bankruptcy. I spoke with 2 bankruptcy lawyers, both stated it is no longer a bankruptcy issue, but a consumer issue. When I called Santander it stated they would not release the car unless I paid {$14000.00}. I have to date paid over {$30000.00} for the car. The original car contract {$14000.00} with 24.99 % interest it is {$28000.00} ( My cred. I have paid way over that amount, they are stating none of my payments have been applied to the principal, because I have been late, and they will not release the title. I have reached out to the Attorney General, they could not help, because they said I already went to court. Legal Aid could not assist, and you are my last hope.If I filed bankruptcy in 2011, did n't sign anything to keep the loan, and I have been giving them my money. Late charges should not be an issue if I have been unknowingly been giving them my money, and it has been covered through the bankruptcy. Both bankruptcy lawyers said something is wrong, and they are ripping me off. I am asking you to intervene on my behalf. In a perfect world, I would like to get my money back, but I know that may not possible since I filed Chapter XXXX. Since I filed it has been a struggle to keep the payments, because of my illness, so realizing I could have saved over {$30000.00} really makes me sick to my stomach ... However, I would like my title. If you could please help me in retrieving my title, I would be greatly appreciative. Thank you so much!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a late I should not have. I came in and made a large payment of {$4000.00} and the representative I talked to said it would cover the next month 's payment. I have had this account for over a decade and have never had a late, this wasn't my fault. I would like for the late to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: UT
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 is reporting a late I should not have. I came in and made a large payment of {$4000.00} and the representative I talked to said it would cover the next month 's payment. I have had this account for over a decade and have never had a late, this wasn't my fault. I would like for the late to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a dispute with my bank ( XXXX  XXXX XXXX XXXX , XXXX. ) about a person who scammed me out of {$100.00} and they filed the dispute over the phone on XX/XX/XXXX and then 3 days later sent me a letter saying that the dispute has been resolved. This transfer was NOT valid and I told the several customer service reps that it wasn't and that it should be reversed. I'm very disappointed with PNC as this is the 3rd or 4th time they just resolve disputes without any investigations and/or figuring out that their customer was scammed out of money. This is not the kind of bank I want to have my money with and/or do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: CA
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 requested from each creditor a complete validation which includes the original contract with my signature on it. According to the FDCPA section 809 for validation. 
The creditors did not provide such documentation. The creditors are as follows, XXXX account no. XXXX .... 
XXXX account no. XXXX .... 
XXXX account no. XXXX ..... 
XXXX XXXX account no. XXXX .... 
XXXX XXXX account no. XXXX .... 

furthermore according to the FCRA 15 usc section 602A i have the right to privacy all collectors did not abide by this law and 15 use section 604A section 2 states a consumer reporting agency can not report without my written instructions.

this was also violated

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 2021-03-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was sold to Citizens Bank NA a bunch of years ago, I did not choose this bank to service my loan. I paid off my mortgage back in XX/XX/XXXX, and received confirmation that it was payed off. I have been waiting for my mortgage satisfaction/discharged ( to close out the lien ) to be recorded along with paid off loan documents to be sent now for over 5 months! New jersey requires a satisfaction/discharge to be recorded within 30 days, it has now been close to 5 months with no signs of any recording of any cancellation/satisfaction/discharge! All I get from customer service is 'our lien release department is busy, please wait longer ' after reaching out multiple times. This is unacceptable, this is violating NJ state law ( XXXX XXXX XXXX ). I have also reached out to XXXX, where they sent me a copy of the discharge paperwork, however the documents have not been recorded by the count clerk, and is verifiable online. I have reached out countless times, and am getting nowhere, and have waited long enough and wasted enough of my time tracking this down. This is for mortgage account/loan number XXXX. 

Dates with customer service discussions : XXXX XXXX  Complaint : XX/XX/XXXX, a discussion on phone on XX/XX/XXXX, left a voicemail without return to Chairmans office on XXXX

Company response to consumer: Closed with explanation