BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind with my mortgage payment during the years of XXXX and XXXX. I worked with the mortgage company, ( Bank of America ) and received a loan modification. However by the time the modification was approved, I owed Bank of America about {$14000.00}. Its roughly 5 months behind in our mortgage payment. This amount is not subject to interest or penalties. However, I was informed by the Treasury Department that bank of America received a bailout from the government for all of these modifications. I think Bank of America has received payment from the government for my {$14000.00} and they are still holding me liable for this amount. Please investigate the reason why I still see this amount on my mortgage statement every month since the modification has been approved and Bank of America collected funds from the government for mortgage modifications.

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 2023-06-19
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Like many we had job losses during the pandemic. We requested forbearance with our mortgage company XXXX XXXX. We were approved for that. Our loan was then sold to Mr. Cooper fall of XXXX. We reached to Mr. Cooper about a modification to our loan as we are not financially able to pay a lump sum at this time. 

Starting this year, XXXX... We signed papers saying we would make 3 trial period payments and if we did that, they would move forward with the modification. Our first trial payment was XX/XX/XXXX, then XX/XX/XXXX XXXX XX/XX/XXXX. We made all those payments as requested. 

After XXXX, we heard nothing! No email correspondence, nothing sent by mail, no phone calls XXXX nothing about what to do next on our online account. We reached out to Mr. Cooper as we were concerned about how to make our XX/XX/XXXX payment. The person who answered the phone there said they were still in the process of booking the modification and she could take our payment. She said the booking should be done soon. 

Then we came to XX/XX/XXXX and still... .we have heard nothing! No calls, no emails etc. So again, we called XX/XX/XXXX to inquire. Again-we were told they are still booking the modification and they could take our XXXX payment. 

Then we received a call XX/XX/XXXX saying we needed to make another payment??? 
I asked to speak to a supervisor as we had already made a XXXX payment and thus there was no one to help. The person on the phone from Mr. Cooper said we HAD to make another payment to start the booking of the modification. This made no sense to us as to why we were having to make a 2nd payment in the same month. 

Today is XX/XX/XXXX and we were told a supervisor would be in contact with us to help us, and we have received no such call. Also, looking at our account online it does not show any information except that we owe a lump sum of money. No information as to why we still have no modification completed, no calls from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: CITIBANK, N.A.
State: NC
Product: Credit 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:
Several times over the past month my credit card from Citi has been charged by a single merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time the charge is for XXXX Each time this charge occurred I received a text asking me if I made this charge. Each time I replied no. Each time they require me to cancel my card and send me a new one. Each time this happens, it requires hours of work on my part to re-enter my credit card information into all the merchants that I'm using online. I have even gone so far as to create a number of virtual credit card accounts, so that I'm not putting my actual credit card number on line. One of these accounts was charged, not my actual credit card number. There were only three merchants attached to that virtual account number. I requested that I be able to turn off that one virtual number, rather than having to redo everything again. I have also asked Citi to block this one merchant, so I do not continue to have to do everything that I am having to do; however, this is to no avail. What I would like, is to completely cancel this particular credit card, have my yearly membership fee refunded (paid on XXXX and then reapply for a new card with the same company at which point, I would be glad to pay the fee again. I just don't want to pay it twice for something that seems to be simple to fix.

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 2023-06-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is in correct accounts being reported on my credit report. There is a bankruptcy showing on my credit file. I need this investigated and removed from my credit report. I pay all my bills on time. There is no need for me to ever have filed bankruptcy. There are numerous hard inquiries showing on my credit report. I did not authorize for these inquiries to be ran. These are in accurate, and I did not sign anything for these inquiries to be ran. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Us Small Bus Admin Oda XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Us Depart Of Edu XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX, and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: NY
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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-10
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was under the impression that my student loan was deferred because of Covid. I never received any correspondence, calls, or bill to pay my loan, which caused a late payment. I only realized after signing into my school email and saw an email regarding a loan statement. I quickly paid the balance owed and called to see if they could reverse the late payment from my credit report, which they said they couldnt. I also never received correspondence stating that adverse action would take place. I have never had a late payment on anything and have paid this loan on time ever since and would like for this to be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: CAINE & WEINER COMPANY, INC.
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:
Hello On XX/XX/2020 I received a letter from this company claiming I owed them money. I sent them a certified letter ( XXXX ) on XX/XX/2020 as FCRA states is my right and they must comply with if exercised. Requesting important information to validate there claim. On that request i asked them to sending me copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent. Also requested them to provide me there license numbers and documents as this companies registered agents. On XX/XX/2020 they sent me a statement with there letter head showing what i allegedly owed, the name of the company that they represent, and some insurance policy # info starting and ending date and cancel date. They did not send copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent nor there license numbers and documents as this companies registered agents. Again on XX/XX/2020 I sent a certified letter ( XXXX ) Letting them know i had received there letter but they failed to provide copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent nor there license numbers and documents as this companies registered agents. On XX/XX/2020 They sent me a letter with an attached Final Bill from the company they alleged to represent. Basically ignoring my FCRA rights to demand proper documentation prior to proceeding. This is clear non willful compliance to the FCRA laws. This is why I am filing a complaint. I have all documents saved if you need them to for evidence. Thank you for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-19
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There were 27 unauthorized transactions from XX/XX/2023 to XX/XX/2033 that were taking out of my account and used on a XXXX. I was not aware of any of this due to me not having direct access to my account during this time at all. I contacted chime and made a dispute on these charges on XX/XX/2023 when I was able to recover my account. The claim was denied abruptly only 3 days later and the claim was only confirmed on XX/XX/2023. Chime havent gave me any denial reasons and seemingly not caring about my money. I remade a claim today and theyre still not understanding. Theres 27 transactions so theres too many for me to list. In my account the transactions that were unauthorized are every XXXX transaction beginning on XX/XX/2023 at XXXX to XX/XX/2023 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2016-05-17
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We are attempting to submit a short sale with NationStar. We are given 90 days by the courts to proceeds with this short sale since NationStar wrongfully Foreclosed on the seller while she was in bankruptcy. We have submitted a XXXX party authorization to nation star and the Asset Manager XXXX XXXX, XXXX, has continually rejected our 3rd party authorization that was submitted with cause. The seller has been trying to do a short sale with NationStar for over 2 years and thy have done everything in their powers to circumvent this from happening. We need your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: ONE REVERSE MORTGAGE, LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My father took out a loan in XXXX thru one Reverse Mortgage , LLC. In order to be approved they sent a real estate inspector to examine the home, and he made his recommendations. He made us a list of structural repairs to be completed by a set date. I made the repairs myself with a request to or more time and they agreed, plus, it was specified that said repairs had to be done by a licensed contractor. We got it done on time and proper and the last inspection was done. A different inspector came ( also a man ) he does a quick walk through and I had left a ladder set up with the access way to the attic in plain sight. He said he didn't need to physically go up into the attic. As he is leaving I requested his assurance that we had succeeded in passing the listed repairs. He turned to me and said, " I'm not going to pass this house. '' And I responded, " why not if we completed the repairs on the list? '' And without missing a beat, he answered, " because I saw that you missed a patch of bad shingles, and I saw water damage to the roof ( plywood ). '' The whole point of the inspection was to grant the full amount of the loan or just half. My father said he tried getting an equity loan but that gave him some kind of trumped up reason on why he didn't qualify and then offered him, in total XXXX cash. After we did the repairs the first try ( that is my hands ) they released XXXX by check and after the last they sent the rest. We expected another XXXX XXXX and change but received only XXXX ... ... which I used by cashing it at XXXX XXXX XXXX and then crossing XXXX XXXX to buy groceries at XXXX  # XXXX. They railroaded my father and three days after I buried my father on XX/XX/XXXX I received three packets in the mail. Each with a error in the address and each identical. It opened like this, '' this is not a bill. This is a reminder, you have thirty days to pay original loan amount in full or your home will be foreclosed on, {$58000.00}, and then the pandemic hit us so fiercely that the CDC issued the no eviction memorandum and now it's no more and me and my XXXX youngest children are about to be put out on the street amid an even more deadly variant than the original co-vid 19 virus. Please, stop these reverse mortgages from being served because when the old are left with no one to fend for them I know they are mistreated. I am living proof.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-03
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I was mistakenly/fraudulently charged on my Barclays Arrival Card by a company for something I did not approve. Barclays flagged these charges and blocked them after confirming with me that I did not approve them. Subsequently, Barclays reversed this block and charged me citing " documentation '' received from the company. 

I tried to contact the company, XXXX, about these charges but they have been unable to provide me the requested documentation. I also contact Barclays and they said they would send me the documentation they received so that I could review it as well. After contacting them via phone and by mail multiple times over a 6 week period I did not receive the documentation. 

I would like to formally complain about my treatment in this matter as I have a right to review these materials.

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