BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After the death of my husband I tried to make a modification on my house mortgage. 
they asked for documents and I sent them by fax, then they sent me a letter saying wait for 30 days. 
I called because no answer, then send me an application to put another person as collateral and I did it after that I do not have any response... new application packages got en the mail ; application I had already filled before, even so I filled them and sent them.. 
then nothing at all then the pandemic came and now they just send me a letter from a lawyer to start a foreclosure? 
this company is not serious and I feel I have been discriminated against and they want my house even though I send documents showing that I am able to make a MODIFICATION and pay the mortgage.

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion has lowered my score 5 times in the month of XX/XX/XXXX over XXXX points i understand credit scoring but not on a weekly basis to continually lower my score without any changes to cause the score going down weekly. there are notations on my account about unathorized inquries. I am being discriminated against because i have filed complaints against them before based on eronius info put in my reports. I wnat this to stop!!!

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 2021-12-23
Company: Nationwide Title Clearing, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint against Nationwide Title Clearing and its robo- signers Notary XXXX XXXX and XXXX XXXX and Demand for Verification of " Notary XXXX '' and " XXXX XXXX XXXX signatures and personal meeting with her, XXXX XXXX and their supervisors. 

I found numerous Assignments of Mortgages and other documents in different States with absolutely identical stamped signature of " Notary XXXX XXXX ''. 

I have reasonable doubts that XXXX did not attached these signatures; did not authorized use of her electronic signatures ; and does not know who use these signatures. 

In other words, my Assignment is a text book forgery. Moreover, I have doubts if " Notary XXXX is a real person who is employed by NTC and who Notarize these assignments. 

Under Uniform Electronic Transactions Act ( UETA ) I have right to demand a letter of Authorization and Acknowledgements from Notary XXXX and XXXX XXXX that they personally prepared attached Assignment and disclose the name of the authorized officer from my Creditor who instructed them to prepare this Assignment.. 

UETA includes provisions regarding the authentication of electronic signatures, and defines an electronic signature as an electronic sound, symbol or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record when a dispute arises regarding whether a signor 's electronic signature is authentic, I demand Notary XXXX and XXXX XXXX provide me their wet-ink signed Affidavits, and schedule a phone conversation with XXXX XXXX and XXXX XXXX to discuss based on which documents they prepared Assignment of Mortgage to XXXX who has no idea who is the owner of my alleged debt and can not tell me whom they servicing all this time. 


I also demand a personal meeting Notary XXXX and XXXX XXXX in their office, where they can show me documents based on which authority XXXX XXXX acted as XXXX Vice Presdient and transferred alleged " Mortgage with XXXX '' to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
When my husband ran out on me and our house payment a year or so ago I missed a few months of payments. I have been on track ever since, but they just keep adding late charges to the amount that was missed. I have been working with Citi for a year or more to get a modification on the loan. I am on my XXXX or XXXX person handling the account and each one says they have no documentation. I have sent the paper work in numerous times and feel they are just giving me a run around to get more in fees and charges or they are very very incompatent. I am getting nowhere with them. This is the XXXX mortgage with Citibank. The XXXX mortgage with Citimortgage was resolved and modified in a much more timely manor and the documentation I sent was used not lost in their shuffle. Their poor was of doing business is very XXXX for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I originally spoke to XXXX XXXX from PNC on XX/XX/XXXX regarding my PPP forgiveness. She indicated that were missing a document from when the loan was granted which made zero sense to me. She tried to tell me that the SBA changed the guidelines and that if I didn't give them additional documentation my forgiveness amount would be lowered. I argued with her because I don't understand how nothing changes in my business, I had the first round at the same dollar amount as the second draw but now I don't qualify. I emailed her the document. She never confirmed receipt. I had to follow up with her on the XX/XX/XXXX to make sure she had the document she needed. She indicated that " You are good to go for forgiveness ''. To me that means my application had been approved. I continued to call the PPP department for updates. 

After speaking to XXXX on XX/XX/XXXX I applied for PPP loan forgiveness. I've called two times to check the status of the loan forgiveness and was told the loan was in underwriting. On XX/XX/XXXX to again check the status of my forgiveness application. At that time the gentleman indicated that my application had been moved on to underwriting but now it shows it was out of the underwriting cue and that it's just sitting there. He indicated that he needed to set up an appointment with me to speak to a PPP specialist. This morning, I was contacted by XXXX XXXX who indicated she can't help me, she is in the wrong department. She just helps with documents needed for the foregiveness process. She also said that it appeared I did not apply for the forgiveness loan. She said she will reach out to her manager to see what she can do but doesn't know how long it's going to take for someone to get back to me. 

I have an emailed from PNC dated XX/XX/XXXX with a confirmation indicating I had applied for forgiveness along with a confirmation number. This email also stated they will submit my forgiveness application to the SBA no later than 60 days after receiving a completed application. Their time is quickly approaching.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2016-05-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Moneygram short changed the exchange rate on money sent to XXXX by almost XXXX dollars. I caught it because I had checked the exchange the day before. I have send money previously but never paid attention. If they are doing this routinely they are profiting enormously off of people who can least afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: DataMax Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a credit score of XXXX. Interstate Credit Collections ( a subsidiary of DataMax Corp. ) has filed a matter as being in collection, but I am not aware of any outstanding item I owe to anyone. ICC does n't answer its phone ; for three days in a row, I got a recorded message on their line that they are too busy to take my call. I have no way of knowing what this item is, and do not appreciate this company hitting my credit record without giving me any opportunity to find out any further information. I do n't know what to do, but I 'm leaving for vacation next week and do n't want this sitting out there. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TD BANK US HOLDING COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Bank : TD Bank Fraudulent charges due to stolen credit card information. 
I reached out to TD Bank back on XX/XX/XXXX in regards to several charges that were obviously fraudulent. The charges are listed below : XX/XX/XXXX XXXX XXXX XXXX NY {$25.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$44.00} XX/XX/XXXX XXXX XXXX XXXX WA {$210.00} XX/XX/XXXX XXXX XXXX XXXX WA {$140.00} XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY {$3.00} XX/XX/XXXX XXXX XXXX XXXX NY {$66.00} The charges XXXX and after have been reimbursed but the ones before that have been denied. The bank is not being helpful and any attempts to reach out to the disputes department have been futile. 

I am also attaching an image of my XXXX transaction showing that there is no {$25.00} charge on XX/XX/XXXX when my information was stolen and used. 

I am extremely livid and would appreciate any help from CFPB because my bank is unresponsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18
Company: EQUIFAX, 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 do not recognize certain items on my credit report. I am requesting that you immediately delete information off of my credit report that isnt mine. 
These accounts and inquires are not my and that my identity may have been stolen which I have included with this letter. 
Please find the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been trying to fix this inaccurate information for ONE YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My father 's name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 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 non-monetary relief
Consumer complaint received 2021-12-23
Company: CMRE Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a notification from the credit monitoring app that I am using. This agency is being reported just this month XX/XX/2021. This is the first time I heard about this company. I am not familiar with the name of the agency or with the balance. What is expected is for me to receive notification first from the agency about any account that will reflect and affect my credit file. This account had a big impact on my credit score and it is so sad that I havent heard about this account. I was not given any proof of this account. I am worried that my personal information is compromised because of this notification. The reason I am filling a CFPB complaint case. Section 609 of the FCRA states that the agency is required to send me the original paperwork that verifies this account otherwise, this is false information. I need this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax ; XXXX and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX, 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. ( Please see page attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Some years ago ( approximately 2010 ) I opened what I considered to be a Line of Credit with variable rate through Citibank. Citibank, according to my monthly statements, terms this as a " Variable Rate Equity Source Account ''. Total amount that I requested was for {$140000.00} of which I used {$100000.00} or so. What I do not understand is that no matter that the interest rate varies, and I have made two payments totaling {$2000.00} strictly towards principal my principal balance hardly decreases. Even when I paid down the principal the bank still went ahead and based their following month 's interest accrual on the total prior to the principal payment. The interest rate never varies in total ; each month at least for this year it is averaging at 5.30 %. So my total monthly payment which includes principal and interest never changes much from approximately {$450.00} give or take a few dollars. 
I have gone into the bank to ask why this is, and the rep. told me that while the interest rate is variable it 's still based on prime + spread. I find this to be very deceiving as I do not understand why I have to be charged extra ( spread ). 
It is exceedingly difficult for me to understand if I entered into a contract understanding that I will be charged a variable rate that I am in reality paying what amounts to be a fixed rate. Again as I mentioned above my average monthly statement is for {$450.00} give or take a few dollars. This is not right in my opinion. 
Also I have to complain about Citibank 's procedure for paying down on my principal. I feel they make it very difficult for a customer to do so as I was told that I needed to mail a check stating it 's for principal with the excuse that only the particular department it goes to can handle the transaction. I was told that it was impossible to even make an online payment towards principal. I can not understand why in the internet age this is not possible ... or to have a bank clerk process the transaction! What I feel is Citibank knows a snail mailed check will most likely not reach them in time for the principal balance to be decreased thereby allowing them legal right to charge interest based on a higher principal balance. It is, to me, basically ripping off customers.

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 2020-04-14
Company: CountryPlace Acceptance Corporation
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: Account status incorrect

Complaint:
Country place mortgage has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted Country Place Mortgage multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau XXXX XXXX and XXXX  and neither of them have fixed the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Atlantic Credit & Finance, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from Atlantic Credit & Finance. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
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.

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 2016-11-01
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage loan was sold to Specialized Loan Servicing XXXX, 2016 from XXXX XXXX XXXX XXXX XXXX . I was not given the appropriate 30 day notice per Tennessee law My wife has had a XXXX XXXX, she is unable to work. My wife has to have medical care and medication monthly that is not covered by my insurance. I requested a mortgage modification from my previous servicer. I have faxed request for modification to my new mortgage company. Please assist in this urgent matter. 


Thank You

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 2016-07-27
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX - XXXX Lien Holder - Specialized Loan Servicing is reporting late payment on my credit report after I provide proof that I was never late. 
Fixed Rate - XXXX Lien Holder - XXXX XXXX is also reporting late payments on my credit report after I was told they were n't going to report my mortgage payments late once I began my new trail payments plus the lender is showing my mortgage account as a foreclosure. 
Note, I also provided my bank transactions showing when my mortgage payments were drafted prior to the due date.

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 2021-12-23
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX 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