BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I closed on my New York co-op apartment in XX/XX/XXXX, with a mortgage through XXXX. 


During XXXX, I was granted a forbearance for an extended period of time. Late in XXXX, XXXX, which had been renamed XXXX Bank following its acquisition by XXXX, offered me a loan modification. 


The terms were very favorable, including a lower fixed interest rate, for a 40-year fixed term, and capitalizing the unpaid interest and principal into the loan balance. The end result would be lower interest and lower monthly payments. The new payment amount started in XXXX of XXXX and I have paid each month on time. 


Needless to say, I was very thrilled and pleased with myself but then XXXX sold off most of its residential mortgage portfolio to PNC Bank and that's when the trouble started. 


PNC on multiple occasions sent me loan modification documents to sign and notarize. I dutifully executed them but they also wanted a representative of the co-op to sign them, which the co-op lawyer adamantly refused to do so saying that it was the wrong form. 


After much back and forth, and my own research by speaking with several XXXX mortgage bankers and real estate lawyers, the consensus opinion is that the PNC form is fine but that there is no reason for the co-op to sign it because they have already executed the recognition agreement aka the " XXXX form '' at the loan 's inception. I provided a copy of this to PNC in case they lost any of the files in the handoff from XXXX. 


PNC says that the co-op needs to sign because they are on the deed to which the consensus response is that the deed is irrelevant because the real estate is not the collateral but instead the cooperative shares and proprietary lease are. PNC can't get that through their head and I'm not sure what to do. Part of me wants to sue them or raise a stink on XXXX. 


One lawyer suggested getting in touch with their collateral lawyer who would understand this problem but I can't get past their customer service people who seem clueless about cooperative apartment lending in XXXX. 


This is becoming very urgent because PNC wants to pull the loan modification offer, which makes perfect sense given the very favorable rates. If they do, I will either have to write them a check for over {$40000.00} ( no easy task ) or face potential foreclosure in the next few months. Also, at this point, I can't just refinance because rates have gone way up, which would make my already expensive mortgage, all the more unaffordable. 


So in summary, XXXX offered me a loan modification, which I accepted and then have made all the requested trial payments and continue to do so, but now the rug is being pulled out from under me and nobody seems willing or able to help me. I am really at my witts end so any assistance you could provide would be greatly appreciated. 


Sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MD
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:
As a result of the Equifax hack, my information has been disclosed improperly. I fear this will affect my ability to successfully apply for credit in the future and places me at higher risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attn : XXXX XXXX Citi Bank Executive Response Unit, I have received your response to my inquiry. However, I am not requesting for " credit of the remaining portion of the disputed charge '' as you stated. I am requesting credit for late fees and interest charges as promised by your supervisors while I was striving to get my money back from the merchant, XXXX. I reported that XXXX was delaying in getting back to me due to time difference and business location and also customer service inadequacies. The merchant is located in California and XXXX and all correspondence came from XXXX. The supervisors I spoke with during that time told me that once this is sorted out, every interest charges and late fees will be refunded back to me. 

I paid every bill until XXXX 2016 when I stopped paying because every bill that I was paying was an interest charge due to my current balance then. If you look at my record you would verify this. I stopped using my card but I was still getting interest charges and late fees as a result of the current balance on my account. 98 % of this money has been returned by the merchant and I still payed all these extra fees and you want me to pay more? 

I request that you kindly remove all extra charges that was accumulated as a result of this incident and let me know the balance that is due me, if there is any, so I can make a payment. I do not agree that I owe what you billed me on my current balance. 

Thank you, 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
Consumer complaint received 2019-11-27
Company: AES/PHEAA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This complaint regards FedLoan Servicing and a parent plus loan. I paid my loans in full in XX/XX/2019. Because it was paid off sooner than 10 days, there was a credit balance due to me after the payment was made. 

Additionally, even though I instructed FedLoan not to process the next automatic payment, it did still did so. This raised the amount credit balance due to me. 

I have called FedLoan at least three times. I also have sent five emails to FedLoan. I received a letter from FedLoan confirming my loan was paid in full and nothing else is due. 

Even though FedLoan has confirmed my loans are paid in full, FedLoan refuses to pay the credit balance due to me. I have been given no reason for the refusal to pay these funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XXXX XXXX I received a statement from XXXX XXXX Mortgage to pay for VA XXXX XXXX charges and fees of {$7500.00} as I have been waiting for VA XXXX underwriters approvals for my VA XXXX XXXX since XXXX XXXX till Present. 
I can not pay {$7500.00} for VA Mortgage or VA XXXX modification Fees and property Inspections charges and fees. 
Why is XXXX XXXX Mortgage investors Underwriters stalling to approve and make my VA Mortgage affordable under {$7000.00} - {$1800.00} a month.? 
It appears that XXXX XXXX Mortgage is continuing to Retaliate and Discriminate me as a Cuban-American XXXX Military Veteran.and Plus my XXXX Lifetime status. 
I am waiting for the new VA affordable Mortgage payment so I can start making my timely payments starting XXXX XXXX. 
Also in due of respect to First XXXX Mortgage I have told lender administration in writing and verbally phone conversations that I do n't have no Attorney representing me of XXXX, Texas Attorney XXXX XXXX. He is no longer my attorney. 
XXXX XXXX was my representing attorney for Bankruptcy XXXX XXXX on XXXX XXXX. 
Lender keeps Retaliating me with adding attorney XXXX XXXX on their letters and statements. 
Why lender keeps doing this to me because I keep filing complaints and I am XXXX or by showing Consumer Financial Protection that Attorney still active?. 
This is false and fraud on XXXX statements to Federal Government. 
Federal Government can confirm with XXXX, Texas Attorney XXXX XXXX is not my representing Attorneys. Here is the contact phone number XXXX for their legal firm in XXXX, Texas. Their address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX VA XXXX modification approval has been halted over 60 days and now is another 30 days for VA XXXX approval and Lender wants me to pay {$7500.00} in which I do n't have and can not afford to pay. 
It appears that VA XXXX wants to " Foreclose my home on XXXX XXXX so lender does n't have to worry about the wrongful and unlawful acts of Frauds and escrow and VA XXXX. 
I am XXXX Lifetime and Retired and Divorced and I live alone in my home and limited XXXX Lifetime Income Pension Retirement. 
I am not eligible for Social Security Benefits. I am XXXX XXXX XXXX and I was denied Social Security Benefits. 
VA XXXX can come and inspect my home with Federal Government. 
This is a Very Urgent Matters ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have advised Experian on several occasions that the accounts with XXXX XXXX ( Origianl Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX, do not belong to me and may be a result of Identity Theft. Experian has yet to prove where they got this inaccurate information and will not correct the inaccurate information. Please help me get this issue resolved.

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 2017-08-28
Company: One Technologies, LP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX - Signed up to receive my credit information from XXXX with the offering of a {$1.00} credit score. Absolutely NO other obvious information informing me of additional charges or membership fees. 

XX/XX/XXXX - I realized that I had two charges on my credit card for the past two months for a {$39.00} monthly XXXX membership. I called the company to cancel my membership and receive a refund for the {$79.00} charged to me. The customer service representative on the phone assured me that my membership would be cancelled and that she would submit my request for a refund. She then proceeded to offer me a number of different options for continuing my membership with XXXX including discounted membership fees, additional services, etc. I refused all of the offerings and insisted that I only wanted to cancel my membership and receive my refund. The CS representative then told me that I could keep my account active for the remainder of the month at no charge but DID NOT inform me that I would have to call back at the end of the billing period to confirm the cancellation of my membership. She made it seem as though everything would be taken care of, I would not be charged further, and that as a concession I would be able to access their site for the remainder of the month. However, this was their way of keeping me on the hook and using deceptive means to keep me paying. 

XX/XX/XXXX - I receive an email from XXXX saying that my refund was not approved because it was outside the billing period. Even though the CS rep told me that I could have it refunded. 

XX/XX/XXXX - I check my credit card statement and realize that I have been charged every month of XX/XX/XXXX for the {$39.00} monthly XXXX membership even though I called and cancelled my account. 

- I then submit multiple requests demanding that I be refunded for all previous months that I was deceptively charged for services I did not agree to pay for and DID NOT USE. 

- I received a refund for 2 of the 7 months that I was incorrectly charged, but I received a denial of refund for the remainder of the months claiming that it was " outside the billing period ''. 


Total Amount Illegitimately Charged = {$270.00} Total Amount Refunded To Date = {$79.00} Total Outstanding Refund Due = {$190.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: ENOVA INTERNATIONAL, INC.
State: SC
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:
Creditor is Netcredit, They reported me to XXXX and XXXX as past due 30 days twice and 60 days past due only marking the account as affected by a natural disaster., when I had called in and made payment arrangements to keep my account current during covid-19 last year. I fulfilled my payment arrangements and brought my account current during the agreement period and paid my loan off in XX/XX/2020.I submitted to them complete copies of both credit reports. I received an email from them stating they will basically not remove the negative reporting and my account is accurate. This is the only account reported negative on my credit report during this time, which I had other accounts with payment arrangements during that time and fulfilled them to and the creditor reported me current. 
I expressed the CARES ACT Violation and I was told that nothing would be done to fix the reporting, though their record show I had an arrangement and fulfilled my obligations to the arrangement in the time frame it was granted. 

The negative reporting is as follows XXXX XX/XX/2020 / 30 days late, XX/XX/2020 / 30 days late, XX/XX/2020 / 60 days late. 

XXXX they reported the account XX/XX/2020 / 30 days, XXXX 30 days and XXXX  60 days late. They noted the XXXX account as 60 days past due XX/XX/2020 and 30 days past due XX/XX/2020 and XX/XX/2020. They did not report payments on XX/XX/2020 for XXXX. 

XXXX they did not report payments in XX/XX/2020, XX/XX/2020 or XX/XX/2020. I paid the arrangements per the agreement. On the XXXX report it stated XXXX as 60 days past due i the comments below Date closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I was an authorized user on XXXX credit cards with Capital One, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I HAVE DISPUTED WITH EQUIFAX CREDIT BUREAU REGARDING A COLLECTION AGENCY NOT UPDATING MY REPORT DUE TO BEING NO LONGER LIABLE AND BEING SATISFIED. THE CREDIT BUREAU DID AN INVESTIGATION THAT WAS VERY POOR. THE CREDIT BUREAU ALWAYS GOES WITH WHAT EVER THESE AGENCIES SAY AND NOT DO A THOROUGH INVESTIGATION. I FILLED THE SAME DISPUTE WITH   XXXX   AND IT WAS REMOVED DUE TO A THROUGH INVESTIGATION WITH HAVING ALL THE FACTS NOT JUST BELIEVING THE COLLECTION AGENCY. COLLECTION AGENCIES DO LIE AND SHOULD BE REPRIMANDED TO THE FULL EXTENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After careful review of my consumer reports, I noticed an account on my report from LVNV Funding account number : XXXX. 
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between LVNV Funding and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had LVNV Funding sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that LVNV Funding provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2017-09-09
Company: EQUIFAX, INC.
State: DC
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:
Equifax failed to take proper safeguards on my personal financial information, and the financial information of 143 million others. 

After learning about the breach, but long before they notified the public, company leadership started selling off their stocks. This is unacceptable. 

All aspects of this breach, including the insider trading, must be fully investigated and Equifax must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Ive been going back and forth with privacy rights violators, I want to know whom did you speak with to upgrade the two XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX did an investigation and deleted both accounts..Im inclined to assume you guys fell short of your duties.remove all adverse accounts from my credit report U.S.C 1861 you people in your cult over there are violating my rights expedite it .My next step is law suit.Im a living breathing Devine being having a human experience not a computer algorithm you can disregard and and half XXXX in your work

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 2020-10-07
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, I received an alert to my credit file from a Paragon Revenue Group. It stated it was a medical debt and that I owed them {$4700.00}. I reached out to the company to tell them that this was not my debt and I was instructed that I had to pay it. The next day after talking to this company I contacted the hospital and they stated I had been in for services. I informed the young woman that I was not even in the state of Ms and she instructed me to bring the papers to her. I took the information she requested and she said that she will pull it from the company and my file. Two weeks later I received notification that the fraudulent account had been removed. On  XX/XX/XXXX, I received another notification. The same company put that same fraudulent account on my credit file again and it damaged my credit severely while I was in the process of buying a home. The account is fraudulent and the company is continuing to try to collect on an account thats not mind by damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I bank with PNC Bank, they withdrew XXXX XX/XX/XXXX XXXX Overdraft Item Fee XX/XX/XXXX XXXX Overdraft Item Fee XXXX XXXX Overdraft Item Fee which cause my account that was not ( negative ) to become negative. 
I called PNC Bank, I was only able to ask that a manager call me back. When the manager did call me back, he was rude, arrogant and not helpful. 
He could not reasonably explain the charges, and was talking in circle. 
I just want the funds returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been submitting disputes with the three major credit bureaus and none of them have responded to me! I have serious erroneous items on my credit file and I have been getting no where. Since XXXX I have sent multiple disputes and deletion letters and yet nothing seems to get done. The bureaus must remove things from my credit! Under the law you have 30 days to respond to my disputes and its been MONTHS.

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