BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-13
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I requested PNC bank discontinue escrowing for insurance and taxes on loan number XXXX. They would if I paid them {$200.00} to stop the escrow. This is an example of a predatory lender charging unnecessary fees, I want to pay my own taxes and insurance and not have to pay {$200.00} to them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
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 This account has never been late. 

In XXXX of 2020 according to XXXX and XXXX it is showing I am late in that month. 

This account has never been late and as per " special agreement '' due to Covid 19 it should not be reporting as late. 

Please, it would be most appreciated for my account to be accurate and to have this error corrected. 

Warmest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: DLG LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call from a process server trying to reach me to serve papers for a civil case. This is a debt that is from 2005. I have not had any communications with this company previous to today. The person on the line by the name of XXXX with DLG collections was very abusive and insulting. They advised me that I am being sued for a debt of XXXX for a car that was financed for XXXX with payments made for 5 years prior to repossession. The amount owed after repossession was XXXX which I recall was paid in full.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-05
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX made a big error there are 15 lates in a Mortage for XXXX XXXX,,,, I already made a disputed directly to XXXX XXXX they never fix the problem I also did a Direct dispute to XXXX  also didnt fix the problem they made a big mistake I am having Big Financial difficulties getting a loan to buy a Truck I need to work in my Company job position I end up making a complaint to you since is my last resource for getting Good results in my favor ... .They did report 15 lates in 2020 under the CARES ACT protection no leders or SERVICERS have to reports any lates under this protection .see attached proof of 15 lates and disputes made

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 2022-04-21
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received second notice that my XXXX tax bill had not been paid through my escrow account. Amount due : {$8300.00}. 
I called my loan servicing company ( Community Loan Servicing ) and was advised the issue should be resolved in XXXX business days. ( I do not recall the date I called to speak with them ). 
About XXXX weeks later I called to follow-up to make sue the bill had been paid and was advised it had not and that I would need to work with a XXXX XXXX. 
I sent the XXXX XXXX ( an employee of Community Loan Servicing ) the 2nd notice I had received through email on XX/XX/22. 
I called today ( XX/XX/22 ) to ensure it had been taken care of and was advised the bill has still not been paid and that they are working with their XXXX  department ( who I am not allowed to speak with ) to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Heavner, Beyers & Mihlar LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXXXXXX XXXX XXXXXXXX filled a Summons and complaint on XX/XX/2021 under Cares Act, even they dont have the right to they are trying to get a judgment for foreclosure and Sale on XX/XX/XXXX @ XXXX there is a court hearing on XXXX county circuit court see summons attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Since moving to XXXX I have not been able to login to my Chase account without changing the password which lasts a few hours. On XX/XX/XXXX I spoke to a Chase customer service rep requesting that my checking account be closed. At the time I had a negative balance of {$2.00}. I was told once I created a zero balance the account would be closed so I XXXX XXXX the {$2.00} to the account on XX/XX/XXXX and it was accepted. Yesterday I received an email telling me my checking account was overdrawn by {$15.00}, which is an automatic debit for a credit card debt, so the account had not been closed. I called both yesterday and today to have the account closed as was promised, offering to pay the {$15.00} by XXXX. I was told each time by both a customer service rep and a supervisor that the account could ONLY be closed at a branch. I explained that I now lived in XXXX and there were no branches of Chase here in XXXX, XXXX. I was told that nothing could be done until I went to a branch bank in the United States to close the account. I've wasted a good XXXX or XXXX hours without any resolution for a {$15.00} debit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To Whom It May Concern, There are 2 addresses that are currently listed as mine on the XXXXbureaus reports. They are : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX 
XXXX, SC XXXX These addresses are NOT MINE, nor have they ever been. As a result, credit cards have been opened and those accounts have reported. Also, several inquiries have also been made and are listed as hard inquiries on my Experian report. They are : XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXXXX/XX/22 Because of this error I have had to put a freeze on my credit, which impacts my ability to secure new funding. I have contacted the bureaus and the erroneous accounts have been removed, but the addresses that appear to have caused the error in the first are still reporting, as are the hard inquiries.

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 2016-05-26
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in default on my mortgage loan due to current situation. I have been trying to pursue a short sale with Fay Servicing ( loan servicer ) since last year and they are preventing me from completing the process along with XXXX XXXX ( investor ). At some point in XX/XX/XXXX the short sale was approved at {$280000.00} and the buyer was unable to close the deal due to the fact that I had squatters in my property. By the time that we were able to evict them, the approval expired and the lender did not honored the approval. In XXXX XXXX, XXXX XXXX XXXX acquired my loan and they had expressed their desire to keep the property since it is located in XXXX which a mortgage market on the rise and they rather F/C on the property to keep it and make profit. I wonder if they ever realized how much stress tis situation has caused me and my family. Do they even have any type of consideration for the customer? As anybody else, I bought this property back in XX/XX/XXXX and I never thought for a minute that I will be in this situations. The previous buyer walked and every time we get an offer, the buyers get turn down by the loan servicer ( Fey Servicing ). I know the investor makes the final decision and they do not care about me or my family, but it will be a great help for us to be consider for a short sale at a realistic market price. We have provided all kind of supporting documentation to support numbers and the investor is NOT willing to allow me to work a short sale. They are forcing us to do a deed in lieu. We have been told my XXXX XXXX XXXX ( Fey servicing - negotiator ) that the investor wants to sit on the property until the foreclosure is completed, so they can keep it, fix it and make a profit on it. I do not believe is right for an investor to do so by preventing me and my family to close this chapter. The investor ( XXXX XXXX ) is denying me the right to do a short sale. Lastly, please keep in mind that they are using a value from from XX/XX/XXXX and they are not willing to do a BPO due to the fact that they know this property is in really bad shape and they will have to sell it at a price that is lower than their expected price. The short sale was previously approved by the previous investor for {$310.00} and now the new investor is asking for {$500000.00}. My questions is if the previous investor using the same BPO approved at {$310000.00} why is the new investor using the same BPO is asking for {$500000.00}? You can tell they have their own intentions and are not willing to help our situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Original creditor : XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX payments never late has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2022-10-16
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax continues to update this collection on my report within a day without any validation I've contacted the company and they have not sent me any info on this account and starting XX/XX/XXXX the Medical Debt Relief Act of XXXX H.R.773 medical collections under XXXX is not to be reported on a consumers credit profile and 1 year waiting period for medical collections to report i am also requesting an itemized statement for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX, and Transunion have continuously violated the FCRA laws by reporting inaccurate, incomplete and unverified information on my credit report. This has resulted in adverse action against me from creditors. 

I have disputed their information since XXXX with proof and copies of my credit report with discrepancies noted.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX  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 2022-04-20
Company: EQUIFAX, INC.
State: MS
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 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 719XXXX has me at a score around 590. 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 XXXX 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 us 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 XXXX 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: World Acceptance Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account from World Finance is currently reporting negatively on my XXXX and XXXX Credit Reports. I reported this for Identity theft on XX/XX/2021. 

Under XXXX XXXX Code XXXX permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? NO I did not give them ANY PERMISSION Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include -- - ( A ) Subject to section XXXX of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above from my consumer report, this agency is in violation ... ... ... ... of XXXX XXXX XXXX. 

I will be seeking damages against XXXX and XXXX in the amount of {$1000.00} per violation for : XXXX. Defamation of Character ( XXXX  XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX XXXX violations for willful XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account at Wells Fargo, all my money was not distributed to me. Made a complaint and nothing was handled

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 2022-07-25
Company: Frontline Asset Strategies, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my account with XXXX and was told I owed them {$100.00} and advised them to send me documentation in the mail and I will pay them. XX/XX/2022 I received a letter from XXXX to call them to discussed the payment ( XXXX and XXXX ) both number was disconnected. I wrote them a reply letter to there address - XXXX XXXX XXXX XXXX XXXX PA. They sent me a letter requesting {$290.00} and THREATEN me that they will forward to COLLECTIONS if I don't pay or reply back with them. On XX/XX/XXXX I did reply back with them. On XX/XX/2022 they sent me another XXXX letter requesting {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX certified letters within a XXXX day period to Amsher Collection Services XXXX Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Amsher Collection Services XXXX Inc. purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Amsher Collection Services XXXX Inc. and myself, signed by me, stating that I have a contractual responsibility to Amsher Collection Services XXXX Inc. for the alleged debtsXXXX.Provide proof that Amsher Collection Services XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Amsher Collection Services XXXX Inc. Amsher Collection Services XXXX Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Amsher Collection Services XXXX Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation