BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Aloha, on XX/XX/19 I attempted to make my normal mortgage monthly payment of {$1700.00} with Mr. Cooper and was unable to do it as normal online. I than called Mr. Cooper and than was transferred to three different people. I was told in all three cases we are unable to tell you whats wrong, as you have litigation involved with your home loan. I have never received any notices of litigation and My monthly mortgage has never been in default EVER. The next Day I filed a small claims case against Mr. Cooper and had them served. 
The day of the hearing the Judge said small claims is the wrong place to file this kind of case? I opened an escrow account with XXXX XXXXi XXXX in XXXX hawaii on XX/XX/19 and placed XXXX payment of {$1700.00} in that escrow. With specific escrow instruction. To date I have never had a return call, or any correspondents from Mr. Cooper. I did receive the XXXX monthly statement now showing im Late for the first time. Thus wrecking my perfect credit rating. As you might know Mr. Cooper changed its name from Nationstar Mortgage a few years back. Maybe because of two reasons 1 ) they have a B- rating with the better business bureau 2 ) the name XXXX. XXXX was already taken

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I paid with Venmo {$2500.00} down payment on XX/XX/2023 for windows replacement for XXXX windows in my house to a repair man. I toggled the purchase protection option to protect me from scams. However, when I finally realized I was scammed and no service or product was delivered 3 months after I put the down payment, I contacted Venmo to get my money refunded on XX/XX/2023. They denied my request stating that the purchase protection feature was never activated. I am very confident I toggled that feature as I was deliberately trying to protect myself when purchased the windows and I informed the repair man that I was using that Venmo feature. 
I later found out that many people on online ( XXXX ) forums have had this problem too with Venmo!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25
Company: EQUIFAX, INC.
State: GA
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:
Okay! What Im not understanding is why Ive had to contact and write Equifax several times regarding this account. 
XXXX XXXX ACCOUNT # XXXX Opened on XX/XX/XXXX {$350.00} For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Equifax has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Equifax This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Equifax several times to advise them on unauthorized account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2021-03-15
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
this usbank XXXX, this is the second time in 6 months they have disabled and locked me out of my online banking where i can not pay bills or see my accounts or withdrawal money or pay credit cards. i sign in and it disabled all my business and personal accounts so i cant see none of accounts or credit cards or loans to get in to pay bills either. im XXXX off this keeps happening. i called and the fraud dept XXXX says im locked out for 72 hours. i told them since this keeps happening probably thinking about banking with someone else not banking with them anymore cause its stressful that i cant get in to do anything with my accounts at all. there is no reason they should keep locking me out like this. i called the fraud dept and i told them im unhappy with your usbank business locking me out every 6 mths like this will go bank somewhere else with my buisness and personal account if you keep doing this to me. and im at that point now of going somewhere else if they dont get me in today and wont help me to sign in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Mid XXXX I mailed Transunion a dispute letter requesting an investigation. A received the green return receipt card from the USPS that it was received. A copy of the card is attached. A week or so later Transunion mailed me a letter requesting to send proof of address and identity to which I did. 

So I checked online on the Transunion website and I sent that nothing is in dispute or was marked in dispute. 

So Transunion has exceeded the 30 days required by law to investigate my dispute and number 2. Has either failed to notify of me of my dispute or even initiate a dispute per my request.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company is trying to collect on a balance that is not owed to them. I have know dealings with 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 explanation
Consumer complaint received 2023-06-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Mortgage Details : In XX/XX/2006, My late husband XXXX XXXX entered into a mortgage agreement with XXXX XXXX XXXX XXXX on our propertry located at XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. This mortgage included a 2nd mortgage, which was subsequently sold or transferred to Specialized Loan Servicing in the last couple of years. 

Disappearance : For over 10 years, there was no communication or correspondence from any lender. During this period, no statements, invoices, or any form of communication regarding the 2nd mortgage were received. 

Recent Activity : In the past couple of years, Specialized Loan Servicing ( XXXX # XXXX ) suddenly resurfaced, attempting to foreclose on my property. They sent a Notice of Default ( NOD ) and demanded full payment, including interest for the period in which no statements or communication were provided. 

Violation of Law : The demand for full payment, including interest for the period when no statements were sent, is in direct violation of applicable laws and regulations, This is typical of Zombie Loan debtg buyers infringing on Home owners rights. 

Complaint : Unlawful Foreclosure Proceedings : Specialized Loan Servicing 's attempt to foreclose on my property based on a zombie 2nd mortgage that resurfaced after a decade of silence is highly irregular and unjust. The lack of communication and any indication of the existence of the mortgage during this extended period makes their sudden foreclosure attempt unjust and unwarranted. 

Charging Full Interest : The demand for full payment, including interest for the period in which no statements or communication were provided, is a clear violation of consumer protection laws. It is illegal to charge interest on an obligation when the borrower has not been provided with regular statements or communication regarding the debt. When I requestred a copy of the Mortgage note from them to confirm they even own my loan I was sent a copy of my first mortgage note which is highly unusal.

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 2023-11-29
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Since XX/XX/XXXX ( XXXX ), I have been applying to be on the REPAYE/SAVE program, both through MOHELA 's XXXX and through the Federal Student Aid application, in order to pursue PSLF. Nevertheless, my multiple applications had been rejected or cancelled since then. I recently talked with a MOHELA representative on XX/XX/XXXX, who stated that it was due to errors with social security number not populating ( on my end, all demographic information was auto populated when completing those applications and there was no missing information ) and that my tax information was not uploaded ( when XXXX was, in fact, able to pull my XXXX tax information to calculate my payment ). 

Without my consent, and while my XXXX of many XXXX applications was still processing, I was put on the Level repayment plan and was expected to start making payments that far exceeded what I would be expected to pay on XXXX, given my XXXX. I called MOHELA and sent a letter on XX/XX/XXXX specifically requesting to be put on administrative forbearance while my application was processing. This forbearance was approved up until XX/XX/XXXX. My most recent application from early XXXX was finally processed and approved over the XXXX holiday. However, I noticed the plan does not go into effect until XXXX, so I am expected to make payments on the level plan to which MOHELA defaulted me despite my numerous attempts at trying to get on an XXXX plan that was affordable. I started trying to apply for REPAYE/SAVE prior to the XXXX payment restart so that I would not be in a situation like this. 

The amount that I am expected to pay for the Level repayment plan drastically exceeds what I am expected to pay on the XXXX plan ( {$0.00} ), given my XXXX. It does not make sense to me why it would take over a month to reflect the change to an IDR payment plan, given that it is already approved. MOHELA should either allow me to start the XXXX plan for this upcoming month of XXXX to begin my repayment process or allow my administrative forbearance be extended during the time period, given that they apparently still need more time to process this IDR application. 

It has taken MOHELA months to process my IDR requests and they have explicitly lied about reasons as to why my applications were cancelled or denied ( which I was able to check on through my portal in Federal Student Aid ). I have spent far too much time try to resolve the countless errors that MOHELA has made and all I would like is to pay the correct payment amount for the plan that I requested months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance on my 1st mortgage. I did not want to combine my 2nd mortgage with it. The 2nd mortgage can be paid off in 5 years so I don't want them combined into one. They want want us to pay them a large sum to lower the balance. They are interfering with my ability to pay off my 1st and 2nd mortgage faster. I am trying to refinance for lesser time on 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 2023-08-09
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: NC
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 my 3rd complaint to CFPB on the same issue with Equifax, the most inefficient ineffective organization I have ever transacted with. I say that as a retired manager of auditing certified in the field. Equifax has failed to resolve an entry on their credit report perpetrated by an identity thief I reported to law enforcement. I say that as a retired fraud investigator certified in the field. This is dispute case # XXXX with Equifax. I am once again attaching the same letter by the merchant who submitted the fraudulent hard inquiry on their Equifax report in my name. In this letter the merchant says they asked Equifax to remove their inquiry from my credit report 9 months ago. Equifax has taken 60 days to do what they said would be a 30 day investigation and they have resolved nothing. I am going to report this on every consumer website I can find.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received letters that the bank is closing my accounts due to risk but did not receive letter for my account XXXX Why is this account open but all the other accounts to be closed due to risk??? 

Please investigate this further because it makes very little sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collection has been on my report for quite some time now, going on 6 years and I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for an XXXX Mastercard on XX/XX/19 and was denied credit based on information contained within my report from Sagestream , LLC. - a company I had never heard of until today. The denial reasons given were : " Consumer associated with too many phone changes, days since most recent inquiry, inquiries did adversely affect the score, limited history for consumer at this phone ''. Furthermore, the reported credit score was XXXX - nearly 300 points lower than my scores with all three major credit bureaus. I find this denial to be absurd and grossly inaccurate considering I have two other credit cards with the same bank that issues the XXXX credit card ( XXXX XXXX  ) that have been in good standing for many years. When I attempted to contact this company to request a copy of my report to review the obvious inaccuracies it must contain, I could not get through to a live individual and was directed to leave a voicemail message or to submit my request via their website. Upon looking at their website, the requirements to obtain a copy of my credit report were as follows : A. Required Information Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year ) B. Proof of Identity Documentation For security purposes, to confirm your identity, please include with your written request : a legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. 

This is completely unacceptable. Consumers should be able to first of all speak with someone when calling regarding concerns about their credit report and secondly should not have to submit hard copies of any identification considering the company should already have this information on file since the information they provided was used to deny my credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: North Shore Agency, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter dated XX/XX/2019 from North Shore Agency attempting to collect a debt. The amount has been fully paid to the originating company and the check was cashed prior to this letter being generated. When attempting to speak to North Shore Agency on XX/XX/2019, their system hangs up on you if you don't select make a payment. This is a fraudulent attempt to collect a debit that isn't owed and the company clearly is only interested in trying to take the money not to cease illegal collection techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is in reference to previously filed complaint XXXX. This issue has not been resolved by the bank as we are questioning the legitimacy of the operational practices involving potential violation of The Right to Financial Privacy Act and the rights for dual account owners. The company failed to communicate to both owners of the account properly. The company stated a county court order served as a reason for closing the account without notification. A county order does not overwrite the federal rules and regulations for financial institutions in the United States. In addition, the bank failed to conduct proper due diligence and protect the consumers ' rights from false allegations and injustice. 
As such, the bank acted in bad faith and the compensation for damages is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were sued by our neighbor for adverse possession, Freedom Mortgage chose to hire an attorney to protect their interest, they added the attorney 's fees onto our XX/XX/XXXX payment. We did not approve this fee and do not think we should pay it. They refused to remove it.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion and notified them that there were many mistakes on my credit report and that it's preventing me from getting the correct rates for my business since the information they have is inaccurate. When I submit a dispute, all they respond with is stall letters and they don't respond back with any of the documents to show that " their investigation is accurate ''. I submitted disputes in XXXX, XXXX, and XXXX and waited the number of days in between disputes. I now request to get all the information deleted from my report immediately since they did not follow any prior requests.

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