BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-24
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Mortgage has been sending every month me a bills for payment on mortgage which I allegedly own them. I have never contracted with PNC Mortgage neither with PNC Bank. I have never been notified that PNC Mortgage or PNC Bank is my creditor or servicer. Neither of this XXXX entities are in my property chain of title. As of this date they continued to contact me at home and demanding to pay this debt and pursue foreclosure. On XXXX XXXX, 2016 I sent a letter pursuant to FDCPA 1692 ( g ) Sec 809 ( b ). PNC Mortgage failed to validate the debt and failed to delete or remove derogatory information from my credit files. PNC Mortgage failed to provide me with evidence of Illinois license to collect a debt in this state, and the license number. PNC Mortgage has been reporting invalidated information to XXXX Credit Bureaus as they were a creditor though they know they are not. PNC Mortgage failed to mark as disputed item in credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I called the phone payment system like I do every month to pay this was in XX/XX/XXXX. My husband and I decided to pay our Citi bank card off the phone payment system asks you if you want to pay the min payment or the balance. We opted for the balance it was over {$5000.00} dollars. We paid it off. Several months went by and just this week we started getting phone calls a out a past due balance? I was shocked. I told them we paid this off in XX/XX/XXXX there should not be any bal left they said the amount the phone system gave me was not the total due there was a {$36.00} dollar charge and interest and late fees now added for 3 months worth of non payment adding up to {$250.00}. I told them I have no problem at all paying a XXXX charge and interest if I owe it but the late charges are not my fault I had no idea. The customer service person said you need to log in and check your statement I told her I had no reason to we paid it off. I do n't think this is fair at least the automated system when it asks you if you want to pay the total balance due should be accurate. I closed the account and we will never do buisness with citi bank 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 monetary relief
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Ive reached out to this company several of times in regards to unauthorized inquiries on my credit report, in which Ive reached out to the creditors and have been told that they dont have any records of me in their systems and to reach out to the reporting bureau. Transunion has been a headache and causing great pain in resolving this issue. Ive reached out to XXXX  and XXXX  about these same inquiries and they disputed/removed the unauthorized inquiries. Im not understanding why Ive been through so much pain  and stress with Transunion to do the same. Ive been told by several of representatives to file a false police report, which is a crime in my state and Ive expressed this with them. I need these items to be removed, otherwise I will seek further legal actions and will be reaching out to local media.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
new and updated information XXXX has failed to respond to my letter received by them on XX/XX/2022 within the FCRA required 30 days

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 2016-10-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our compliant is that Wells Fargo forced us into a loan modification and then denied our application AND our appeal to the denial of the modification. 

XXXX XXXX, Executive Resolution Specialist began the audit process against our home mortgage account, during this time he instructed us not to make a mortgage payment during his process. At that time, XXXX stated that our mortgage was 5 months in the arrears, when we were not ; when we were in conference XXXX XXXX XXXX XXXX - yes we admitted that we were 2 full months delinquent yet we continue to refute that we were never 5 months delinquent since the modification in XXXX XXXX. NOW after listening to XXXX we ARE 5 months delinquent AND we were just DENIED a modification and DENIED a modification through APPEAL. 

Our family home means everything to us and we are willing to do everything humanly possible to live here for the next 30yrs. Wells Fargo representatives has caused us into this spiral of hopelessness due to their inefficient handling of our mortgage file and cash payments. 

By the time XXXX finished his audit Wells Fargo should 've have allowed us to make payments toward our loan once XXXX returned his decision. 
We know that the following payments had been made until XXXX instructed us NOT to make a payment and FORCED us into applying for a MODIFICATION after notification from Wells Fargo came in stating that we were being FORECLOSED - we even received mailings from a Wells Fargo appointed Law Office : XXXX/XXXX/XXXX {$1400.00}, ORIGINAL MODIFICATION BEGAN XXXX no payment due - No payment was due this month XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00} ; XXXX/XXXX/XXXX {$5600.00} ; XXXX/XXXX/XXXX {$5600.00} ; XXXX/XXXX/XXXX {$2900.00} ; XXXX/XXXX/XXXX {$2800.00} Total payments we made to Wells Fargo by XXXX/XXXX/XXXX were {$29000.00} ; which is almost 2 months shy of a full yearly payment of {$33000.00}. 
On XXXX XXXX, we were 2 months delinquent in payment. In addition, Wells Fargo shut down our ability to make any further payments to the bank in XXXX ALSO Wells Fargo Executive Resolution Specialist, Customer Care and XXXX XXXX, XXXX XXXX instructed us NOT to make any more payments until he finished the audit and instructed us to SIMULTANEOUSLY fill out a request for a loan modification ; even though our actual arrears were totaled at {$4000.00}. 

Lastly, we are NOT interested in a deed-in-lieu, short sale or the foreclosure sale of home, collectively without any doubt want to live in our family home for the next 30 years or more.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out to the credit bureau and I am yet to hear from them, it has been over 30 days and no response, these are inaccurate and should not be on m 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 2021-04-20
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I used my card to many times trying to get my money out of this account and they at that point said I Need to verify my identity and that's silly I had already so I told them to close it and send me he money that Was in that account I haven't hear a word. They kept my money and it's been almost a year ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America has charged a couple of fee charges to my account in the past month. 
1. A {$12.00} fee was charged as maintenance to my checkings account on XXXX/XXXX/17. I 've never seen such a charge on my account before. 

2. A {$35.00} overdraft fee charged to my checkings account a month ago. I 've linked my savings account to my checkings account for OD protection.Besides I have two other accounts including joint checking and business account with them with enough balance at all times. 

I would like them to remove both these fees from my account. My family and I have given them enough business and we notice the more accounts we open they more they charge us with such fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am refinancing my mortgage with Loan Depot and closed on XXXX/XXXX/2020. The closing/title company is CLOSINGUSA. I was told that my loan will be funded by XX/XX/XXXX2020 and that's why I had to pay the per diem interest to my current lender until XXXX/XXXX/2020. However in the XXXX statement the cash to close was higher than what was in the closing disclosure by {$300.00}. I was told this was because they had calculated the payoff amount until XX/XX/XXXX2020 according to the payoff statement provided by my current lender ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and that I would be refunded for the XXXX extra days of per diem interest after loan is transferred, as my loan would be paid off by XXXX/XXXX/2020. As of today XX/XX/XXXX2020 my loan has not be paid off by the CLOSINGUSA/LOANDEPOT. I have followed up several times with LoanDepot XXXX XXXX XXXX and XXXX XXXX XXXX and keep getting different excuses. They sound helpful and courteous but are unable to resolve the issue. For the last week or so, every time I call them they keep telling my that the wire transfer was made or will be made 'today ' but I never get the tracking information or a confirmation from them. In my email communication ( dated XX/XX/XXXX2020 XXXX, I did however get a confirmation from XXXX that they will honor the XX/XX/XXXX closing date XX/XX/XXXX2020 funding date, but I am yet to receive the wire transfer confirmation. I was also told that I will be receiving a supplemental wire transfer for the per diem interest but they don't have my bank information, so I don't trust that information is correct either. 

I have reached out to the title/closing company as well, but have not received any response or call back. 

I will end up having to pay the mortgage for the month of XXXX to my current lender and am afraid, that due to the delay in payoff by the closing company, end up paying extra for the per diem interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I applied for a Home Equity line of credit through Navy Federal Credit Union. They completed an appraisal. My loan officer assigned was XXXX XXXX. I had to leave repeated voice mail messages with XXXX which I received no response. After multiple attempts to reach XXXX, he told me that my loan was denied due to underwriting guideline he stated was provided by the Federal Government that individuals require two years of self employment to be eligible for a line of credit, despite providing business tax returns and current business financials. This is arbitrary decision to refuse to use my self employment income when Navy Federal Credit Union offers small business loans for new businesses. I also believe that XXXX 's complete lack of customer service was shameful, and his refusal to answer calls or respond after two months is an absolute embarrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16
Company: T.S. Holdings
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently lived in an apartment complex where Id signed a 6 month lease. I paid all 6 months up front. At the end of my lease I turned in the keys and moved out and all was well. A month after moving out I received a letter from IQ Data international saying I owed the apartment complex money. The letter from IQ said to write them in 30 days to dispute the debt and request validation. I did just that and sent them mail overnight to ensure it got there before the 30 day mark. A month went by and I never heard from them. All of a sudden I get a notice that a collection had been added to my credit report. It was from IQ data international. I wrote them again and called them asking for validation of the debt. Over the phone they told me they dont send anything in the mail, despite the fact that I got their contact info from something they sent me in the mail. I asked both over the phone and once again in writing for a validation of the debt and they have still not provided that information to me. I have disputed it with the credit bureaus and they seem to have no trouble communicating with them, but they have made no effort to try to validate this debt with me or allow me to dispute it or verify it. 
This is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the process of repairing and cleaning up my credit. I requested validation/verification from XXXX, Equifax & XXXX for collections accounts on my credit report. All I received was the generic verified or accurate Response with no supporting documentation that I requested for any of the accounts listed on my credit report. I then requested for the method of verification. How did they verify these are my accounts? All I wanted was proof as I described in my letters to them. Again, no contract with my signature or anything supporting that I owe any of these people money. These unverified accounts are still being reported and hindering my financial growth. From what i understand, this is against the law. That is, If they are reporting Negative erroneous items on my credit profile and have not provided me any supporting documentation as proof. Accounts they have failed to validate are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information is missing that should be on the report

Complaint:
The information that would reflect positive has left off my report such as a paid off home paid off bankruptcy paid off car inadequate severely negativity is on there when uploading proof they say they have not gotten it or it won't upload when sent they claim never received I keep explaining myself twice over and never get a positive answer nor solution. I worked hard and gave up a lot of money to correct my issues and I still have a poor score which has gave me higher interest rates or flat out denial of credit..I want the corrections made I have lived in the same house for 20 years got the letter paid in full XXXX XXXX congratulations gave up thousands of dollars to pay off my bankruptcy just to still see a poor credit score not fair when creditors look and see all the negativity how can I ever get ahead of all of it. Why do we have credit bureaus if they will not have current and correct information and all I hear is we understand NO they do NOT because it isn't them being effected it is me and my daughter being a single mom after an XXXX XXXX injury trying to get back on track in my life I can't and I gave up all that revenue to fix the main issues all for nothing. I need 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 explanation
Consumer complaint received 2022-09-17
Company: Checkr, Inc
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Checker is soliciting fuard information to the public basic identity theft shocking and extortion pattern and practices I contact them is the pass about file a disclosed because my court proceeding but they are still sealing that fuard information. 
and the pull up them charge intuition to block and deny opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft. I received a letter in the  US  mail fro m Macy  's on  XXXX   XXXX ,  2017. Th e letter advised that my recent request to obtain credit had been denied. The letter was addressed to me under my maiden name. I immediately contacte d Macy 's Cust omer Service to advise I did not authorize the request for this credit. I requested a copy of the application details to be mailed to me. I was advised I needed to contact the New Accounts Department which was open M-F  XXXX  -  XXXX  at  XXXX . On Monday  X/XX/17   , I contacted  Macy 's N ew Account Department, I was informed I needed to contact an alternate department at  XXXX . At  XXXX , I spoke with  XXXX  who advised the request for credit was not processed because I have a security freeze on my credit file. I requested a copy of the application,  XXXX  confirmed with her supervisor it would be mailed within  7-14  business days. I sent a written letter following up to my request for records and mailed it certified mail, tracking #  XXXX   XXXX   XXXX   XXXX   XXXX  whic h Macy 's r eceived on  X/XX/17   . Since I received no response from  Macys,  I sent a second letter to request a copy of the application on  X/X/17   , tracking #  XXXX   XXXX   XXXX   XXXX   XXXX , which  Macy 's rec eived on  X/XX/17   . Both mailings included copies of my FTC Identity Theft Complaint and the face sheet referencing the Police Report I filed relating to my identity theft. As of today,  X/XX/17   , I have not received a written response from  Macy 's regarding the application details. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am entitled to the business records relating to the fraudulent request for credit. The law directs these documents are provided to victims of identity theft at no charge, and without requiring a subpoena, within thirty ( 30 ) days of my written request. I am filing to complaint due to Macy 's not responding to my request.

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 2020-11-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX phished an email disguised as the title company I was using. The real escrow account and information is different than what this scammer submit, and me thinking the email was legit wire instructions. They knew when I was closing and to send closing emails.

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion continues to report accounts that were never opened by me. 

XXXX XXXX XXXX  # XXXX ( Account incorrectly Reporting on my report. ) I previously owned a XXXX but it was a XXXX XXXX XXXX. I acquired this car in XXXX It was totalled in a car accident in XXXX. I never owned another XXXX. 

XXXX XXXX XXXX XXXX # XXXX ( Account incorrectly Reporting on my report. ) This was a fraudulent account opened back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up two times. I had a authorized user XXXX  account that my mother added me to that she opened in XXXX. 

XXXX XXXX XXXX  XXXX # XXXX This account was fraudulently opened up back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up recently.

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 2020-04-19
Company: EQUIFAX, INC.
State: WV
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:
Been disputing inquiries and credit reporting agencies dont investigate properly just send its been verified and there not sending me proof that its my inquiry. Equifax, XXXX, XXXX  and all the banks thats reporting it on my credit report is fraud. There not responding back I called with no help please help getting this issue resolved

Company response to consumer: Closed with explanation