BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I received correspondence from Mr. Cooper which indicated that I did not meet the terms of my Trial Period Plan for the Loan Modification Program. I am concerned with this notice because I did in fact make the required payments both in XXXX and again in XXXX. 

In XXXX, I requested participation in the Loan Modification Program. My application was accepted and resulted in the requirement of making payments under the Trial Plan Period. I made a total of three payments during that period : XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX, and XXXX. XX/XX/XXXX. 
After the payments were made, I waited patiently for Mr. Coopers final determination. Approximately 6 months later, I was told that the payments were never made. Therefore, in XXXX, I appealed this decision. My appeal resulted in my reenrollment in the Loan Modification Program. Again, adhering to the requirements, I made a total of five payments : XXXX. XXXX XXXX payment XXXX. XXXX XXXX payment XXXX. XXXX XXXX payment XXXX. XX/XX/XXXX, and XXXX. XX/XX/XXXX The additional payments were made as Mr. Cooper stated they did not receive two of the previous payments. Rather than dispute the issue, I conceded and made additional payments in an effort to move the process forward. 

Since the payments, I have made on-going calls to check the status of the loan modification application, in addition to determining if there were any other payments or actions required by me. I was told by multiple representatives that my application is being reviewed and I should receive correspondence soon. They further stated that payments were not required and can not be accepted by me due to the status of my account. 

Now, almost two years later from the payments I have made, I find myself facing the same circumstances as before. I am not sure how this continues to occur considering payments have been made in accordance to the terms of the modification program. In an effort to support my claims, I have attached bank statements which document all payments made to Mr. Cooper during XXXX and XXXX. 

If possible, I would appreciate a call from a representative as there are several matters that are not clear about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-16
Company: TransferWise Ltd
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I tried to make a payment to a XXXX XXXX of XXXX XXXX XXXX using the WISE  Payments limited online service. Wise deducted XXXX from my bank account. One day later Wise canceled my account without a specific explanation and did not accept my appeal to reinstate the account. The message from Wise  said that any pending transfers would be returned shortly. Unfortunately, I have only received a refund from Wise XXXX  XXXX  which is considerably less than they deducted from my account. 

Surprisingly another transaction for XXXX XXXX ( XXXX ) done around the same time went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Ad Astra Recovery Services Inc
State: MS
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent letters in to dispute item from my report, but i haven't received any update from the companies. The letters were sent out late XX/XX/2022. I wish we can speed up this process because I'm being affected by what's on my report.

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 2021-08-30
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regions Bank credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with Regions Bank was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called Regions Bank today and they totally agreed with me ( XXXX Option # XXXX ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information. 

I'm attaching an example of this account via credit report to help you analyze the problem.

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 2018-08-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Help me get them to apply the extra XXXX they received over 2 weeks ago to pay off a promotion. 

, I paid {$280.00} to pay off my promotion that ends XX/XX/2019. The balance on the XX/XX/2019 promotion and I paid {$280.00} more than 2 weeks ago and yet it is not reflected on my account. If my automatic draft deducts {$120.00} from my checking account on XXXX then it will be the wrong amount as I already paid off one of the promotions 2 weeks ago.

To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date I paid extra but they still didn't apply to my correct account. they did this before and I don't want my credit to suffer again from in correct billing XXXX XXXX : CustomerXXXX XXXX : Initial Question/Comment : Hello, I paid {$280.00} to pay off my promotion that ends XX/XX/2019. The balance on this XX/XX/2019 promotion is {$280.00} and I paid {$280.00} more than 2 weeks ago and yet it is not reflected on my account. 

My minimum payment is {$120.00}. which comes out of my checking account automatically but I called in and paid an additional XXXX to pay off a promotion. Now my account is being drafted again and that XXXX is not applied to pay off my promotion. 

They said I must pay off promotion before the expiration date or I will have to pay all the interest. I paid it early because they have done crazy billing practices that make me late when I have auto debit and as well as call in to make extra payments. Help me get them to apply the extra XXXX they received over 2 weeks ago to pay off a promotion. 



XXXX XXXX : SystemSystem : XXXX XXXX has left this session!

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 2023-06-16
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Account numberXXXX his is for banana republic Barclays credit department In accordance with the fair credit reporting act XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during XXXX XXXX  and could not accommodate pay by phone within 24 hours. Please remove negative remarks on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays had the wrong address, sent all billing status to XXXX XXXX XXXX XXXX XXXXXXXX pa  not XXXX XXXX XXXX XXXX XXXX pa XXXX. Also when I called in they did not even have my social security number on file fix all this please

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 2019-09-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/ Subject : XXXX  Escrow Analysis Adjustment Request On XX/XX/ I faxed Chase the attached letter requesting my monthly mortgage payment of {$1200.00} be adjusted/reduced as a result of a decreased amount/bill from XXXX  for my yearly homeowners insurance, thus reducing my escrow monthly amount due. 

To date, 50 days later, I have not received a Chase response to my letter nor a favorable action/adjustment to my mortgage monthly payment as requested. 

My yearly homeowners policy with XXXX XXXX is {$1100.00} ( XX/XX/XXXX-XX/XX/XXXX ) and the monthly prorated escrow payment is {$96.00}. The total escrow monthly payment due is {$380.00}, which includes {$290.00} for property taxes. 

On XX/XX/ I made a payment to XXXX for {$500.00} leaving a balance due on the policy in the amount of {$640.00}, which Chase paid on XX/XX/. This amount when prorated in 12 monthly payments equals {$53.00} thus reducing the escrow amount to {$340.00}. Therefore, my monthly mortgage payment should be {$1200.00} ( principal {$380.00}, interest {$470.00}, escrow {$340.00} ). 


XX/XX/ Subject : XXXX Escrow Analysis Adjustment Request On XX/XX/, I received an escrow analysis on my mortgage account ending on XXXX and the statement did not reflect the reduced amount due from Chase on my Homeowners Insurance ( see below ). I want to lower my monthly Chase Mortgage payment and Chase recommended I make a direct down payment to XXXX   on my Homeowners Insurance policy thus reducing the total balance amount due on the yearly policy and on my pro-rated monthly escrow payments for XXXX-XXXX, ( See below ). 

Escrow overview We've put together a list of all the expenses that make up your escrow payments. 
Your escrow analysis happens every year around the same time. We may run your escrow analysis sooner if : *You have a new loan or a recently refinanced loan that's less than a year old. 
*We 've been notified of changes to your property tax or insurance policies. 
*You requested a new analysis Escrow analysis {$0.00} Your escrow account is balanced Monthly mortgage. Your new payment becomes effective on XX/XX/XXXX. 
Description Current New Principal & Interest {$860.00} {$860.00} Property taxes {$290.00} {$0.00} Homeowner 's insurance {$96.00} {$0.00} Mortgage insurance {$0.00} {$0.00} Total taxes & insurance {$380.00} {$0.00} Escrow shortage or surplus {$0.00} {$0.00} TOTAL ESCROW PAYMENT {$380.00} {$0.00} TOTAL MONTHLY PAYMENT {$1200.00} {$0.00} Breakdown Request Policy Number XXXX Account Number XXXX Start Date End Date XX/XX/ - XXXX Request Date XX/XX/ Date Activity Description Increase/ Debit XX/XX/ A Payment of {$640.00} was received on XXXX at XXXX. 
XX/XX/ A Payment of {$500.00} was received on XXXX at XXXX XXXX. 
XX/XX/ Renewal transaction was processed. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was hospitalized agains my will. I tried to call many times XXXX XXXX  XXXX  for all information about my bill. I was a XXXX  in states and the bill for 2 days is totally agains my will. I want full bill with every single charge. They refused to send me this information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Subject : Appeal for Debit Card Dispute - XXXX XXXX XXXXXXXX Dear Navy Federal Customer Support , I hope this message finds you well. I am writing to appeal a recent decision regarding a disputed debit card transaction made through my Navy Federal account. The transaction in question is related to a charge from XXXX XXXX XXXX in the amount of {$540.00}. 

To provide you with an overview, I filed a claim against this transaction as I never received my router that I ordered from XXXX. However, I recently received notification that my claim has been denied. The reason provided was that no error was found, and Navy Federal is unable to process the claim in my favor. The response also suggested seeking resolution directly with the merchant. 

While I understand the outcome of the investigation, I firmly believe that there has been a misunderstanding or oversight in this case. I have made multiple attempts to resolve the issue directly with the merchant, but unfortunately, I have not received a satisfactory response or resolution. 

I kindly request your assistance in reevaluating my case and reconsidering the denial of my claim. I have attached all relevant documentation, including proof of purchase, communication attempts with the merchant, and any other supporting evidence that may aid in the investigation. 

As a valued customer of Navy Federal, I have always trusted in the integrity and fairness of your dispute resolution process. I kindly request that you review my case once again, taking into consideration the evidence provided. I believe that a thorough reevaluation will reveal the validity of my claim and the need for further action. 

I understand that Navy Federal is committed to providing excellent customer service and ensuring customer satisfaction. I have been a loyal customer for a significant period of time, and I trust that you will give due consideration to my appeal. 

I kindly request that you initiate a comprehensive review of this matter and take appropriate action to overturn the previous decision. This may involve revisiting the evidence provided, contacting the merchant on my behalf, or any other necessary steps to ensure a fair and just resolution. 

I appreciate your attention to this matter and your prompt response. Please do not hesitate to reach out to me if you require any further information or clarification. I look forward to a favorable resolution to this dispute. 

Thank you for your understanding and assistance. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IQ International suddenly appeared on my XXXX XXXX report, which I check weekly, in the amount of {$1900.00}. 
They never sent me a letter or phoned to say this was owed. 

Apparently, this stemmed from an apartment that my significant other, XXXX XXXX, and I moved into with XXXX  XXXX XXXX in XX/XX/XXXX. When the covid flu became widespread, and XXXX  XXXX closed all the common amenities, they allowed us to move out in XXXX, XXXX. We would not owe any further rent upon rental to another family, they said, and in fact did rent to another family as of XX/XX/XXXX. XXXX XXXX employee, XXXX XXXX, who rented to us ( and received our keys upon departing ), sent us a letter dated XX/XX/XXXX verifying that the new renters were there as of XX/XX/XXXX. When the IQ collections contacted XXXX in XXXX, XXXX, she told XXXX XXXX who reiterated that we did not owe anything to them or any collections agency. In addition, they volunteered that they had dropped IQ International as a collection company due to so many complaints. IQ International continued to harass XXXX by phone and mail until late XXXX, when they apparently stopped when she complained to CFPB. 
Today, XX/XX/XXXX, I saw that IQ International showed up on my credit report ( I look at it weekly via XXXX XXXX as I'm working on getting my credit scores higher ). I have not been late on any bill for a number of years so this stood out. Please help me straighten this out as XXXX XXXX appears to be concocting a fake claim. Thank you, XXXX XXXX ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt collector failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). During the time of service, the apartment was flooded out and I was not living in the apartment due to a natural disaster. I do not owe this balance.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to c
omply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: KS
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:
According to 15 u.s.c.1681 section 604 A section 2 I have a right to privacy and a consumer reporting agency can not furnish an account without written permission It also states that all information needs to accurate and verified and the agency will verify the information thoroughly.

I have disputed the information for two years and showed the information that is not accurate there is three different social number between the three credit reports the loans and information are different through thought all three. None of the information is accurate and everytime I dispute they ignore it and say verified. There are so many violations on my credit reports According to 15 u.s.c 1681 n ( a ) ( 1 ) any actual damages sustained by consumer as a result of the failure or damages of not less than XXXX  and not more than XXXX  per violation Civil liability This has almost ruined my life I have not had any credit or debt in my life and when I had to go use credit I am un able to because of this and trying to fix it has been XXXX I have almost ended my life because of the stress and situation this has caused me. I want it fixed immediatly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Citibank Credit Card aware of my severe financial hardship for months now. Credit Card is unwilling to work with me making good faith payments every month. Credit card company constantly calls me and harasses me to make a larger payment than I can afford. I have tried several times to negotiate a more comfortable and affordable way to pay off the current balance. Every month, I call in to make a payment and still get harrassed or pressured and told that my good faith payment does not meet the minimum payment. I explain that I can not make a larger payment. The credit card associate threatened to send my account to collections today ( XX/XX/2023 ). Please assist me in this matter. 


I tried to furnish account number below. This account is now closed and still paying on balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I legitimately owed XXXX XXXX XXXX, FBO XXXX XXXX FBO of Midland Funding, money from an old XXXX XXXX XXXX purchase. I was served paperwork notifying me of a attempt to seek Judgment against me. Upon receipt I immediately PAID THE DEBT IN FULL. The payment date was XX/XX/XXXX. I paid with two money orders 1. ) {$1000.00} - Money order number XXXX. Was sent to Midland Funding 's attorney on XX/XX/XXXX and cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

2. ) {$700.00} - Money order number XXXX. Was also sent to Midland Funding 's attorney and was cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

Those payments would have paid the account in FULL> Yet they continued to report to the credit agencies that the money was due and as of XX/XX/XXXX they STILL are reporting the funds due. 

Secondly they went to XXXX County Court and sought a Judgment against me, that Judgment was granted on XX/XX/XXXX. They claimed that I did not answer their complaint, another false statement as I answered the complaint and I PAID IN FULL prior to the date they state that I became in default. According to the Judgment I went into default on XX/XX/XXXX. I had paid in full on XX/XX/XXXX.

Company response to consumer: Closed with explanation