BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got sick around XXXX or XXXX of XXXX. I could no longer maintain full time employment. I was behind on my payments so I contacted PennyMac Mortgage and applied for a loan modification in XXXX of XXXX. I was denied several times because they said I did not have enough income to make my current payment. I did have my XXXX income plus rental income, since I purchase the duplex. So, when PennyMac Mortgage kept denying my requests for a modification, I had no choice but to file for bankruptcy protection. Since I was behind on my payments my bankruptcy attorney was able to place those past due payments into a Chapter XXXX plan. 

Around mid XXXX or XXXX of XXXX, my tenants stopped paying their rent, they left water damage in the home which caused mold. I was forced to miss my XXXX payment. I did not know that I could not miss any payments to PennyMac. My lawyer said that PennyMac sent in a notice stating that they were going to foreclose on me unless I catch up on the past due payments plus court costs in the amount of {$7700.00}. The payment that I had missed was in XXXX if XXXX in the amount of {$1200.00}. These payments PennyMac wanted were in 6 monthly installments of {$1200.00}. I got a part-time job to make these payments, which was very hard on my body since I am still under doctor 's care. I made all of the payments as agreed, but now PennyMac is stating that I had missed those 6 payments plus other montly mortgage payments and unless I start paying extra on my current mortgage, which is now {$1900.00}, and extra {$660.00}, which I do not have, and I still do not have a tenant because I can not afford to get my unit ready to rent again. My bankruptcy attorney advised me to hire a Certified Public Accountant to go over my PennyMac account because he said he does not understand what is going on financially with my PennyMac Mortgage account either. He also stated the burden of proof is on me each time I go to court and I am always responsible for the court costs and fees, which in XXXX of XXXX was {$1200.00}. Also, they had purchase Hazard Insurance, but I purchased a different policy because it had better coverage. PennyMac was charging me twice for both polices for a few months and now they are also saying I did not have any overpayments and they are not applying any of the overpayments to my account, as I can tell. The dates above are approximate but the dates on the attachments are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent says I owe money on a XXXX XXXX bill from XXXX and XXXX. I have never been with XXXX. I do not owe this and I received a letter wanting to discount my bill if I payed now. yesterday the XXXX of XXXX, XXXX. I called the 800 number and they had a phone number they said I owe on and I do not recognize this number nor have I ever received a bill for this number nor anything from XXXX. I have excellent credit and always have. This hurts my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Issue with XXXX XXXX  purchase. Contacted XXXX XXXX and they informed me they would refund me {$33.00} for shipping and taxes, therefore I canceled my dispute with CitiBank. Prior to canceling the dispute, I reached out to citi credit card chat services and verified that if I canceled I could re-open and they informed me that I could. I canceled the dispute, however XXXX XXXX never refunded me as promised. I then attempted to reopen the dispute with my citi card, however each citi representative that I speak with, inform me that they will reopen the dispute and that I will see an update in 3-5 business days, but after waiting and checking I am not seeing any difference or refund. Each time that I call or chat with citi to follow up on the reopened dispute, they inform me that there isnt a history of the dispute being re-open, and that they will have an investigator contact me for additional information, but I havent been contacted by anyone. I attempted to re-open the dispute around XX/XX/2019 and have since then been trying to get it re-open and refunded since XXXX XXXX failed on their promise.

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 2021-10-04
Company: EQUIFAX, INC.
State: MD
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:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The original loan amount is for {$1000.00} with XXXX. On XX/XX/19 I initiated communication with the organization to correct the reporting on the NSLD. Since this time I have contact them via email or telephone on every other business day to secure the correct information and documents to provide to my college. Each time I call there is a different response, a letter was submitted requiring 9 months of payments before they would correct any reporting. The proceeding response from the organization is they are sending the information to the account specialist for a response. This organization does monitor each call and documents my communication, this information can be retrieved supporting my communication, request and lack of responses. The information on my loan message documentation is in correct I have made more calls since XX/XX/19. 
These efforts to delay has created additional emotional stress and financial stress to my education process. The person whom is responsible or the Supervisor has not address this ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-01-25
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX has been a victim of identity theft. Please see attached. Ive been sending information in for the past 6 months or more. 
15 USC 1681-2A Please see attached ftc report & identification

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 2017-07-24
Company: Executive Credit Management, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of a property in 2014. I discussed the move with the property manager at XXXX XXXX XXXX. She advised that there would be no late fees or collections associated with the early move out since she had a tenant who would be moving in immediately. None of the charges were for damages or carpet. Through some mis-communication, the item was turned over to Executive Credit Management who reported it to my credit bureau. I disputed this with XXXX and they left it on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted as soon as possible : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Experian Information Solutions Inc.
State: AL
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 called by a collection agency about a debt that I had no knowledge of.  So this prompted me to pull my credit report.  I don't know if my identity was stolen because I don't know who could have done it however I have so many accounts on my report that don't belong to me!  I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway!  This treatment is illegal and I am currently looking for legal counsel.  This is a final attempt to get these items removed please help!  The accounts that are reporting that are not mine and that I have no knowledge of are listed below, 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, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX.I have no knowledge of these accounts!  I have tried desperately to correct this problem.  Please help!  No one should be treated this way!

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 2022-10-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXXXXXX 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 XXXXXXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: AL
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 called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are listed below, 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, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the month of XXXX I realized that my credit report contains an erroneous medical bill on my credit report in the amount of {$9300.00} posted as ; placed for collection on XX/XX/14 by Allied Collection Services representing XXXX XXXX XXXX. 

I was not aware of this debt until I saw this on my credit report. Apparently it was never submitted to my medical insurance I was never notified by the XXXX XXXX XXXX or Allied Collection Services. Thus, I have also turned this matter over to : Office for Consumer Health Assistance ( OCHA ) DHHS, Governors Consumer Health Advocate The above mention agency OCHA contacted Allied Collection Services and requested validation of the above-mention debt. Allied Collection Services then sent an illegible copy of a bill that contained an unknown name ( see attachment ) to the Office for Consumer Health Assistance ( OCHA ).

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/19 I showed I had a balance of $ XXXX I transferred {$210.00} to my personal checking account. Left me with a balance of $ XXXX. First thing Friday XX/XX/19 I got an alert my account was negative. Checked it. I had been charged a {$35.00} overdraft fee. I called and the rep could not give me an explanation as to why my account was now negative by {$2.00} when at XXXX before I went to bed it had $ XXXX. There are 2 transactions still processing but not finalized, but those where still processing yesterday XX/XX/19 as well. If my account was negative XX/XX/19 I wouldnt have been able to transfer over money at XXXX. I never saw my account negative so I never had a chance to make it positive to avoid the fee. This is sketchy and borderline fraud if they wait til XXXX to left my account go negative and then charge me a fee for something out of my control.

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 2020-01-03
Company: SUNTRUST BANKS, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Suntrust Mortgage. 
My home was damaged by a flood and my insurance company issued the funds to repair my home. The funds were sent to Suntrust and they have been holding them in an escrow account. I have been contacting Suntrust on multiple occasions to request the funds be released to pay the contractors that have made the repairs. They tell me they need to have an inspector come to my unit before they can release the funds. They are holding {$80000.00} and have not released one penny. The work in my unit has been completed for months and the contractors are screaming at me to get paid. I have had to pay several out of my pocket because Suntrust keeps loosing paperwork, requesting unnecessary documents, and continues to stall payments. Now they tell me they need to send an inspector out to verify the work is completed. I requested the inspector on XX/XX/2019. I have called over a dozen times and emailed and they still haven't scheduled an inspection. 
They tell me they have no idea what happened and keep apologizing to me and claim they will escalate the situation. This is ridiculous at this point. I have been waiting almost a month just to get a date for he inspection. In the meantime I have had to pay contractors out of my pocket to prevent liens on my unit. This is causing me a financial hardship. Please 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