BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When my mortgage was with Bank of America ( B of A ) I had a letter that said I may qualify for a mortgage modification. I then called B of A for more details and was told if I did this it would not have any serious negative effects on my credit. I advised I would try and do this and filled out all the paperwork time and time again but seemed to be getting nowhere. Every time I called I had to talk with different people before they would put me through to the person handling my case. There were times it took days to reach the person I needed to speak with. I was told or it was implied that if I was behind on payments my request would go through more quickly and probably be approved so I asked again if I did this would my credit be affected and was told it would not. Therefore, I got behind on my payments but nothing changed and I kept getting the run around so I caught up my payments at one time and told them I wanted nothing more to do with getting a modification which I had to do repeatedly. Finally they sent me a letter denying the modification. That was the first and only time I had late payments of any kind. B of A did not keep their word and dinged my credit anyway. 
I have disputed this with all XXXX credit reporting agencies and have also been in touch with our consumer advocate group " Let XXXX know '' on XXXX XXXX XXXX in XXXX, Arizona and have been advised by them to file with the reporting agencies and then contact B of A and ask them to do the right thing by having this blemish taken off my record. I will also report it to the Consumer Financial Protection Bureau ( CFPB ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CITIBANK, N.A.
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:
I originally filed a compliant against Citibank, XXXX which a rep with Citibank resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted Citi 's customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting Citibank, I've contacted each bureau. I was told, Citi would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. 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 non-monetary relief
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: AL
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 has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have my property in short sale since XX/XX/XXXX PNC Bank National association is the lender of property XXXX XXXX XXXX is the realtor taking care of short sale ( XXXX ) XXXX The buyer is ready to buy even though PNC Bank raised the price two times and the buyer still willing to make the purchase. 
Since the bank has a sale date for XX/XX/XXXX On XX/XX/XXXX I filed an emergency motion to stop the sale with Circuit Court. 
Judge 's clerk scheduled me to appear in court on XX/XX/XXXX at XXXX On XX/XX/XXXX XXXX XXXX, XXXX represented PNC Bank in front of Judge XXXX XXXX XXXX from court room XXXX. XXXX XXXX explained me that PNC continue working with my case and currently it was being reviewed for Loss Mitigation. ( See copy attached ( XXXX ) Today XX/XX/XXXX I was working ( I am full time worker ) and my son send me an email ( XXXX XXXX asking me to call him " it is an emergency '' he stated. 
When I called him back he said that a man who identified himself as XXXX was drilling the locks of my basement because PNC Bank order him to do it. 
My son informed XXXX that I XXXX XXXX XXXX was still living in the property and having a short sale going on. XXXX said that he was only following PNC Bank orders and the most he can do is to come back tomorrow XX/XX/XXXX in the morning to change my house locks and perform on eviction which includes to bring a crew of men who are going to empty the house and damp all my belongings and valuables. 
I have never received a notice of vacating the property. 
I do not understand was going on please help me. 
The realtor 's attorney, who is conducting the short sale provided me with a list of actions he has been taking in a monthly basis towards the short sale. ( See attachment ( XXXX ) Please contact me or my housing counselor XXXX XXXX from XXXX XXXX XXXX XXXX ( A not for profit organization ) Home owner : XXXX XXXX XXXX XXXX XXXX Foreclosure Prevention housing counselor : XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Resurgent Capital Services L.P.
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:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a XXXX school loan with Sallie Mae. For a student that just came out of school about 2 years ago, and started working in Covid, and as a XXXX XXXX. Sallie Mae charges over 500 monthly payments as just interest payments, which is difficult to pay when you have other bills such as rent, car payments, etc. I have tried to explain to them that XXXX dollars per month are an absurd amount to pay monthly for a loan, if it was a reasonable price such as XXXX dollars I would be able to make payments. Due to not being able to make consistent payments of XXXX dollars monthly, they constantly threaten to put my loan in delinquency which would go on my credit report and further damage my credit for years. They are causing me to go into debt because they do not work with their customers to provide options to stay afloat on payments. Sallie Mae 's representatives are rude and don't make many options to help you finance your loans. One representative was very judgemental, and when going over my monthly payments and rent, told me that I shouldn't be paying that much in rent knowing I had to pay loans back, and because of my annual income. I live in XXXX, rent is expensive regardless of where you are. During Covid, they only gave a 2-4 month delay in payments, but still charged interest. Which is so horrible, especially knowing how difficult it was for people to have a difficult time paying back loans. Sallie Mae is the worst loan company, and I wish I knew this prior to taking out a XXXX loan with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bankruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I signed up for a new account in XXXX 2015 with PNC bank. There was a {$200.00} sign up bonus. Since then I have called three times to check on it and each time I am told I was approved for the {$200.00} until today when they stated I did NOT meet one of the criteria I never knew about. They also set up my checks on the wrong bank account and charged me NSF fees which I had to call and have reversed several times. People I worked with there are no longer with the company so what they told me or did to me is no longer valid ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had some issues with my credit report and a gang of inquiries appeared on my credit report. I followed due process with both creditor and bureau providing affidavit and police report XXXX XXXX & XXXX QUICKLY complied. Equifax keeps rejecting it in spite of even failures to validate WITH PROVIDED PROOF. I 'm really frustrated with this process and those inquiries are STILL hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I have disputed the late payments on XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX, and XXXX/XXXX  XXXX, accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2017-03-15
Company: ERC
State: SC
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:
Agency will not provide proper documentation of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-04-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid PHH in XXXX for the payment that was owed and paid extra to accommodate the next payment. They messed up taking the payments and put me 60 days out according to the paperwork I rec 'd over the weekend. I have spoken to them directly about this issue in XXXX and XXXX - and then nothing was done on their side to credit payments - and they Mailed back the extra money I gave them for additional payments after telling them to apply it to the next months payment. They also over paid my house insurance and gave me no explanation that they had, they didn't have even the correct name of the insurance company and lied about what they had and had not done. 
I have called PHH dozens of times on each issue I have had. The staff is incompetent, if they speak English, at best. They are nasty on the phone. They don't do what you ask, they break the law. They commit Fraud and do so with impunity. How many calls does it take to get them to do the needful? How about asking for an escalation and it took 4 months to get in contact with a supervisor - and only because I have his email could I even write this up over the weekend - as they are closed on Sat and Sun. NO service at all. They deserve to be sued into non existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXXXXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX, has violated my rights 15 u.s.c 1681 section 602 A, states I have the right to privacy 15 u.s.c 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I was a resident at the property XXXX on XXXX, there were numerous complaints that I advised to management. When paying my rent each month it would fluctuate. I signed a lease agreementioned for XXXX each month my rent was well over XXXX. I advised management they stated would fix and each time it was not when I caught up a past due balance of XXXX was paid. In XXXX no heat downstairs. maintenance never lit fireplace after asking 5 to 6 times still no resolution. Had to buy a heater just to eat breakfast never able to stay in living room or den. Then water was shut off because they stated there was a leak in middle of street which water poured down the street.When it snowed steps were hazardous spent XXXX to try to clear all steps to leave home due to not having maintenance. Also the parking was never enforced and people parked all over the place from the back in the spot at my townhouse which was on the corner. Our patio was constantly full of nails. Various issues that were never resolved nor contacted on and also filed complaint with XXXX. As well as my mom XXXX and we are still paying for that today. Because my rent was excessive I was forced to vacate but I did try to stay current only only to keep having it doubled then tripled

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My mortgage servicing company " XXXX XXXX XXXX '' has reported many of my mortgage payments as late. I disputed the " Late Payments '' with Equifax, XXXX and XXXX. Equifax and XXXX have finished their inquiry and they still show my payments as late. Equifax and XXXX were also provided with the attachment. 
Please see the attachment. The attachment contains email confirmations send by XXXX XXXX XXXX to me about the payment dates and copy of my bank statements for the months XXXX and XXXX. My mortgage agreement gives me up to XXXX day of grace period each month to make the payment. As you can see from the attachment that all the payments were received by XXXX befor XXXX of each month, therefore, these payments are " On-Time ''. Please help me resolve the issue and remove all the " Late Payments '' from my credit report. 
Equifax Case ID : XXXX Case ID : XXXX Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed an account with XXXX like XXXX years ago. After reviewing my Experian report, i noticed there is a collection on my report amount of XXXX. I called the collection agency ( XXXX XXXX ) and paid the amount. 

I contacted Experian and i disputed, even though on my report it says paid ; but experian wont remove it until XX/XX/2024. 

Company Involved in my case : 1. XXXX, 2. XXXX  XXXX  3. Experian.

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 2021-10-29
Company: National Credit Systems,Inc.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the 604 fair credit reporting act, after an account goes into collections after 180 days the consumer is not longer responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Bank Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I opened a KOHL 'S credit card, account number XXXX in XX/XX/XXXX. I have an erroneous 30 day late payment on my 3 credit bureaus from XX/XX/XXXX. 
I would like the late payment removed but prefer the account to be removed.Kohl 's has since been sold to or is administered by CAPITAL ONE BANK.ALL CHARGES WERE FRAUDULENT ... YES, ALL CHARGES WERE EXCESSIVE.I WAS INDUCED BY KOHL 'S TO APPLY FOR CREDIT FOR A DEEP DISCOUNT ON MERCHANDISE. 
THE DISCOUNTS WERE ONLY PARTIALLY CREDITED. 
KOHL 'S HAS A PATTERN AND PRACTICE, EVEN TODAY OF FALSE ADVERTISING, ... .THE DISCOUNTS OF 10,20, 25, AND 35 PER CENT ARE NEVER CREDITED.THEY FALSELY ADVERTISE AND DO NOT THOROUGHLY AND COMPLETELY REVEAL THE BRANDS EXCLUDED FROM THE ADVERTISED DISCOUNT UNTIL YOU ARRIVE AT THE PAYMENT COUNTER..THEY WILL GIVE THE DISCOUNT ONLY ON THE CHEAP XXXX JUNK AND ON NONE OF THE NAME BRANDS.KOHL 'S IS IN THE RETAILING FRAUD BUSINESS.I LIKE THE STORE BUT I HAVE NEVER BEEN CHARGED FAIRLY FOR THE UNDISCLOSED EXCLUSIONS FOR THE SALE COME-ONS.IF THE CFPB INVESTIGATES THEY WILL BE ABLE TO PROSECUTE FOR THEY PRACTICE MY ALLEGATIONS AND VIOLATE WITH THEIR FALSE ADVERTISING TODAY.THEY ARE BOLD AND BLATANT CRIMINALS AND UNAFRAID TO INDUCE ANYONE INTO APPLYING FOR CREDIT FOR THE FALSE PROMISE OF DISCOUNTED MERCHANDISE.THEIR STORE WINDOWS AND MAIL ADVERTISING DO NOT OBEY THE LAW REGARDING ADVERTISED DISCOUNTS AND EXCLUSIONS IN CALIFORNIA ... .SO IN EFFECT ALL OF MY CREDIT CHARGES CONTAINED SOME LEVEL OF FRAUD OR THEFT BY KOHL'S..THEY NEED TO BE SUED BY A SMART CLASS ACTION ATTORNEY AND THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Community bank decreased my credit balance without proper notification. I downloaded my statement XX/XX/2020 on XX/XX/2020 and I had a {$1400.00} credit. I reached out to the company to find out why my credit on my statement and my credit on their site had a {$200.00} difference. Every person I dealt with was useless and had issues with reading comprehension. They kept referencing the XXXX statement and tried to convince me that they made this change in XXXX. In XXXX, they lowered my available credit to {$1400.00}, not {$1200.00}. I uploaded my statement to let them know of their error and they went and change my statements on their site, committing fraud.

Company response to consumer: Closed with explanation