davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OR)

This is a follow-on to CFPB complaint # XXXX, dated XX/XX/XXXX associated with PNC Mortgage Company and PMI payments which should have been cancelled automatically. 

This complaint has been closed by the CFPB and PNC Bank has sent me a computer generated letter, dated XX/XX/XXXX, stating that I am no longer required to carry Private Mortgage Insurance ( PMI ), which I appreciate. However, they did not address my proposed and fair remedy to the problem and that is why I have created this new complaint. 

As previously stated in my correspondence and agreed by PNC, I started communicating with PNC in XX/XX/XXXX, regarding the removal of PMI on my loan. Based on PNC 's PMI removal requirements, my loan principle balance was below 78 % with the XX/XX/XXXX payment. Based on my original loan PMI documentation, PMI should have been automatically stopped at this time. It was not. 

On XX/XX/XXXX, I again wrote PNC, requesting deletion of PMI. They either did not read all information that I submitted or chose to ignore it and again sent me computer generated information on PMI. My complaint to CFPB regarding this was submitted on XX/XX/XXXX. In the CFPB complaint I proposed that PMI be terminated effective with the XX/XX/XXXX payment, which I thought was more than fair based on my communications and evidence. I did not request an effective date of XX/XX/XXXX, which legally, I should have been entitled to. In PNCs response to me and analysis of escrow account, the effective date would be XX/XX/XXXX. In addition, for XX/XX/XXXX, they charged me double for PMI ( MIP ) : {$86.00} versus {$43.00}. I received a refund of {$10.00} from XXXX, PNC 's partially owned PMI company. 

It was not my fault that the PMI document was originally written incorrectly and I did everything I could to resolve this issue in a timely manner. Based on the timeline of my communications regarding this and the PMI documentation, I was being more than fair by requesting a PMI termination date of XX/XX/XXXX instead of XX/XX/XXXX. Instead, they have taken an additional {$110.00} PMI ( MIP ) ( {$43.00} for XXXX plus {$86.00} for XXXX and minus {$10.00} refund check ) from my account. I request that I be refunded the {$110.00} overcharge or provided with detailed correspondence which clearly explains why I have been charged PMI for XX/XX/XXXX and double PMI for XX/XX/XXXX.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I had a total of ( 3 ) three student loans. According to my credit reports they are showing ( 6 ) six student loans, which makes it look as if I owe way more than I do and also shows late payments with all of them. All ( 6 ) six of them are showing different data with each credit bureau. I have disputed the loans for incomplete/inaccurate data. The credit bureaus just keep coming back as updated information. Nothing changing, Still showing ( 6 ) six student loan accounts when there were only ( 3 ) three. There are three ( 3 ) listed with XXXX XXXX XXXXt and, three ( 3 ) listed with XXXX XXXX XXXX XXXX. The two different named sets of companys are both reporting the same three ( 3 ) accounts.
Consumer complaint received 2017-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (MO)

Medical services were pre-approved by my insurer XXXX, it was covered under my group health plan. XXXX paid said claim. Central States, the collection company is repoting false and incorrect information. 
Claim was paid, debt now owed. 
Their claim of when account was opened is impossible as I the services were rendered in XX/XX/XXXX and I did not have XXXX insurance in XX/XX/XXXX nor work for the same employer. 
I have contacted Central States and they refuse to accept documentation from the insurance company, EOB or any other documentation to prove it is false reporting.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (MD)

I 'm filing this compliant against Ocwen Loan Servicing , LLC, I submitted a modification package to have my loan amount and payment reduced due to financial hardship and because the house had dropped roughly XXXX %, my modification was approved in XXXX 2015, but the loan amount was escalated to {$290000.00} from {$110000.00}. I felt rushed to accept this deal, so I would n't lose my property. Please investigate the financial structure in which the loan was underwritten and other stipulations in the agreement.
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sentry Recovery and Collections, Inc. (NV)

The following collection company Sentry Recovery and Collection placed a account on my credit report without ever contacting me in any form. 
I have written this company several times asking for documentation regarding this account and I have never received a response from them. 
They are violating my rights under the FCRA
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I submitted a dispute XX/XX/XXXX when I called transunion they said they got it and that it would be done XX/XX/XXXX. I call to check the status of it the man on the phone originally said that he dont see anything. I said thats not true I called last month and was told the XXXX and that I had read complaints that they do that. So I asked him to speak with his supervisor who sounded like the same person same accent. Now all of a sudden he see the information. I told him I have not got a debt validation from the collection place and that it was past the 30 days. I also contacted the people who said I owe them and they basically said that the people who worked there previously where gone and she could n't help me. Which really made me submit the dispute. Im like ok if you cant proviode me a detailed explanation of why i owe you then its not legit.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recieve email from the 3 bureuas saying I'm using credit repair company to send out dispute letters for the negative accounts I have which is wrong. i'm the one who send out letters here 's the lists of accounts and inquiries I want or need to be deleted CHARGED OFF XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$53000.00} CHARGED OFF XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$54000.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$27000.00} LATE PAYMENT OPEN XXXX XXXX XXXX XXXX, XXXX {$3200.00} INQUIRY XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX {$53000.00} CHARGED OFF XXXX XXXX XXXX XXXX XXXX, XXXX {$54000.00} INQUIRY XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

My personal information was breached through the internet and has affected unemployment claim, and utility services ( phone, XXXX and cable ). I have been unable to retrieve a copy of my credit report. My mail is not being received and has been reported as well.
Consumer complaint received 2019-05-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

On the afternoon of XX/XX/2019, a representative of Kofford  Law  came to my house and spoke with my mother-in-law who was babysitting  my children about a supposed Complaint that was being filed against myself and my wife. My wife and I were both at work at the time. The representative, who identified himself as " XXXX XXXX   '', after attempting to leave paperwork with my mother-in-law left a large packet of private debt and medical information on my front porch. The packet was not sealed in an envelope or any other container to seal the information and keep it confidential. The packet contained amounts due, interest rates, our account numbers with our doctor 's office, photocopies of medical contracts, allegations of breach of contracts, as well as information about a supposed lawsuit that was to follow if we did not respond to them. The paperwork was made to appear as though it were coming from the XXXX District Court of Utah, yet was also addressed as coming from the law firm in question. 

On, or around, the XXXX of XXXX a representative of Kofford  Law  called my wife and aggressively threatened to sue her if she did not give her our credit card information so they could bill us for the supposed debt. 

The practices of this firm are in gross violation of the FDCPA.
Consumer complaint received 2019-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

First Greentree LLC were not honest and lied about not receiving payment and so on. By the time they filled for bankruptcy they ran a deferred balance of {$62000.00}. Penalties and interest. They are not being honest and I have proof of dates and filling for a loan modification Second Diteck took over the mortgage They just changed there name. They also have not been honest. I have not received the balance of my insurance money due to Hurricane Erma.  They send me letters every week like I have not sent them anything. Its not true. I have faxed this to them in XXXX and sent them emails with everything they have asked for. Once again they are charging me with late fees and so on.. They also didn't pay my insurance company. They took it apon them selves to Sell me a Diteck insurance. When I had followed up with my carrier she told me it was not paid and they thought I went with someone else. I pay insurance and taxes each month to put in escrow. 
During the payments from the insurance company they applied it to my mortgage and Diteck told me I sent it to the wrong place. That was not true. I put 3 checks in the same envelope and mailed it to the same address. It took many calls and finally a conference call with my insurance company. 
If you call they are all the same. Debit collectors and do anything to no be of servicing there accounts. You cant find a supervisor to speak to.. It is frustrating. 
They have held this {$2200.00} check for over 2 years and in the mean time I asked them to apply it to my mortgage. I want penalties and interest on that money. Or they can back out the dishonest penalties and interest they have run up on my mortgage. 
Diteck also has filled for bankruptcy as of XXXX.2019. 
I really want everyone to know how dishonest both companies are. Changing your name and using the same tactics should be illegal.
Consumer complaint received 2021-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I am being harassed by Carrington loss department about the check for my repairs. The bankruptcy has even verified that they are supposed to sign the check and mail it back to me to sign and cash. But I am being harassed by this XXXX and she disconnects the call during business hours and refuses to speak with me. I am being harassed and abused by them for no reason. Because I am a single female who is XXXX XXXX XXXX. This one employee has even listened to the phone call I made on XX/XX/2021. When the woman I spoke to telling me to overnight it for them to sign the check and mail it back to me. I will not sign it for them to do whatever they want to with the money. I have been duped before. This is another form of harassment and XXXX  I am facing from Carrington. This male XXXX called me telling me the same thing more of the same thing because this XXXX who mailed the check back is being unprofessional refusing to talk to me. I have been done this way many times before. This will cost them more than just {$13000.00} they refuse to let me have it will be in the millions where I read online about other people in similar situations. 

XXXX isn't going to XXXX  no male to jump on me either. or sick some male on me to abuse me. XXXX is not ordering me around telling me what to do.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I disputed a hard enquiry that was on my credit report ( Equifax, XXXX ), and I received a letter from XXXX XXXX saying that they had ask for the removal of the hard enquiry as the hard enquiry was made for TV service that I didn not authorize, but as of todays date, XX/XX/XXXX, it is still showing on my credit reports. I have a letter from XXXX XXXX that says they submitted the request back on XX/XX/XXXX. I am a victim of the data breach ( equifax ), back XXXX, 2017. I have a security freeze on my report. I want the credit bureau to honor the request to " REMOVE THE HARD ENQUIRY FROM THE CREDIT REPORTS AS IT LOWERS MY FICO SCORE ''. I DID NOT AUTHORIZE THE HARD ENQUIRY.
Consumer complaint received 2017-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Lancaster County, Inc. (PA)

Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you have provided is woefully deficient and fails to establish that this is a valid item. 

First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Consumer Financial Protection Bureau, Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX try to use my debit card at Bank of America in XXXX on XXXX XXXX XXXX XX/XX/2017. But did not work. I tried it again and it still did n't work. So I went inside to talk to the teller and asked her to check my card and she said your card was reported stolen and we haved mailed you another one. The teller asked me my address and she said the card was mailed to a different address that you are giving me. The teller said you do n't live at XXXX XXXX XXXX XXXX XXXX. No I live at XXXX XXXX XXXX and I never reported my card. My sister XXXX lives on XXXX. To find out she try to transfers my money on a new card and open me a savings account. so she did this without my approveal. She did it on the XXXX of XXXX and I do n't get paid til the XXXX So I got charged over drafts like XXXX dollars for not having funds in my account. And she changed my preference and changed my address to hers and had my statements to be mailed to her house so I never received my over drafts letters. or has she told me that she has my new Debi card. And they charged me for a new card. I never ordered. I have talked to someone at the bank but nothing was accomplished. So now I have to get a temporary card. Plus my bills went to over draft because my debit card I always used was reported. XXXX was using my girlfriends email address to get information. XXXX XXXX phone number is XXXX.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I have received XXXX credit reports from Equifax during the last year. Each report has shown a different credit score give n to me and to the bank. One score given to me from Equifax on XX/XX/XXXX was XXXX. Equifax gave XXXX a score of XXXX on XX/XX/XXXX. A discrepancy of XXXX points negative. 
On XX/XX/XXXX Equifax gave me a score of XXXX and a much low er score to XXXX. This has happened many times over the y years. Is there a double standard at play with these credit agencies? I have been refused several loans over the years, could this have been the reason? How do I proceed?
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (SC)

I Contacted Equifax In XXXX 2016 about Getting a replacement PIn Number For A credit Security Freeze they sent me a letter about XXXX forms of ID Well I sent in the Documentation they Reguested ( 3 ) times and I still have no pin. there only response was dated XXXX XXXX 2016
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

" Due to hurricane IRMA on XXXX XXXX, XXXX, we submitted an insurance claim for damaged and lost personal property. The insurance company made the check payable to us and Roundpoint Mortgage Servicing Company, NMLS ID # XXXX. We sent this check in the amount of {$3700.00} to them on XXXX/XXXX/XXXX for their endorsement and return but still have not received this check back. I try calling them and their phone system keeps dropping the calls. I e-mailed them with no response to date. We are trying to replace personal property and can not do this until we get the funds returned. It should n't take this long as their mortgage does not encumber personal property. This was explained to them in my transmittal letter sent with the check. It is making me nervous that they are unable to be contacted nor do they respond to my e-mails. '' This is the original complaint. We originally sent them the statement of loss from the insurance company on XXXX XXXX, XXXX which identified the payment for loss as " contents '' and also more recently the personal property inventory listing. Continue to have difficulty getting through on their phone system, no response to e-mails or messages left on their website and " Chat '' representative could n't help. Still have n't received our insurance proceeds.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

For no reason my coinbase account has been disable, ive been very patient waiting over 5 months and they still dont do anything to solve my problem. I tried many times calling the coinbase support and emailing them but nothing happened. I have my savings in this account and i do not want to loose it.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this message finds you well. I am writing to formally address a significant concern regarding the tardiness in opening my account with Credit Bureaus. Despite submitting all necessary documentation and fulfilling the required procedures well within the stipulated time frame, I am dismayed to find that my account has not been opened promptly. 

The delay in opening my account has caused inconvenience and frustration on my part. As a customer, I expected a seamless and efficient process, especially considering that all prerequisites were completed diligently and in a timely manner. However, the failure to open my account within the specified period has disrupted my financial plans and caused undue stress. 

Moreover, the lack of communication regarding the status of my account exacerbates the issue. I have made numerous attempts to seek clarification and updates, but the responses have been vague and unhelpful. This lack of transparency only serves to compound my dissatisfaction with the service provided. 

I would like to emphasize the importance of addressing this matter promptly and ensuring that corrective measures are implemented to prevent such occurrences in the future. Timely and efficient customer service is paramount in maintaining trust and satisfaction, and it is imperative that steps are taken to uphold these standards. 

In light of the inconvenience caused, I kindly request immediate action to expedite the opening of my account and provide assurances that similar incidents will not happen again. Additionally, I would appreciate transparent communication throughout the process to keep me informed of any developments. 

I trust that you will give this matter the attention it deserves and take appropriate steps to rectify the situation promptly. Your cooperation and prompt resolution of this issue are greatly appreciated. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$0.00}.