BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have tried to contact Sears office, and they ignore me and put me on hold, then the phone hung up. I have a Sears Citibank Credit Card, and I made a purchase on a Promotional balance putting over {$2000.00} on my credit card in XX/XX/XXXX ; however, I requested a refund back on my credit card for the entire purchase from the merchant in the same month the purchase was made. The merchant refunded all of the money back to my credit card. I called Sears Credit Card and spoke with a man and he told me since the purchase was refunded, I should not incur interest charged because I was refunded the credit. He also stated that the promotional balance was only for purchases made, and mine was refunded. Now, in XX/XX/XXXX, I am unlawfully being charged " INTEREST CHARGE ON PURCHASES {$800.00} '' for purchase that was returned and refunded back to me in XX/XX/XXXX. This is unlawful and unfair of this merchant to do this. I even sent a secure message to them and they have ignored. I should be refunded the full amount of the interest for the Purchase that was returned in the same month it was purchased in XX/XX/XXXX. 

See Statements Attached.

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 2021-02-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX I received a delinquent property tax notice indicating that my mortgage lender had failed to pay it through my escrow that was already established with them. It was a time sensitive issue so I paid the property taxes myself ( in the amount of {$360.00} ) and contacted the mortgage lender in order to have the funds reimbursed to me. I contacted them to explain the situation and have them remedy it but the rude customer service explained to me that it would take at minimum 14 days in order for someone to even talk to me regarding this issue which is a rather lengthy timeline and indicates that the company does not act in good faith towards resolving customer issues. After not having been contacted in that timeframe, I sent an email on XX/XX/XXXX directly to the lender explaining the issue and I received a canned response that they would forward the email and someone would get back to me shortly. No one has gotten back to me about reimbursing me my costs for their negligence and resolving the issue so that it does not happen again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting on my credit profile for the name of XXXX XXXX who is not me. My name is XXXX XXXX, I have not gone by any other names. I am a victim of identity theft and ask that you guys please remove it from my profile

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 2023-10-16
Company: Maximus Education, LLC dba Aidvantage
State: MN
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:
Hello - I previously attempted to pay off my student loans in full on XXXX. Aidvantage failed to process the payment XXXX separate times, eventually requiring me to transfer my funds to another bank in order to finally complete the transaction on XX/XX/10. During the XXXX timeframe, additional interest accrued on my account which was due to technical issues cause by Aidvantage. 

My payment on XX/XX/10 was for the amount I attempted to pay on XXXX ( {$61000.00} ), the remaining balance in my account is the aforementioned accrued interest due to Aidvantage 's technical issue. I would like that amount due erased from my account and my loans being designated as officially paid in full. 

Please contact me at the following there are any additional questions : XXXX ( XXXX ) XXXX Thank you in advance for the help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Subject : Unfair Practices - Mr. Cooper Home Loans/Nationstar Bank In XX/XX/XXXX we reach out to Mr. Cooper to request an Forbearance program due to the COVID 1 9 shutdown in the United States . This was because the virus was spread throughout all of the country. So we contacted Mr. Cooper and they started the paper work for the program and asked us to stay in touch with them regarding our situation and we did. They assured us that after the forbearance that Mr. Cooper goal is to work with its customers. 
On XX/XX/XXXX, after the moratorium end I reach out to the mortgage company to find out what my option were. The customer service representatives encouraged me to start the process for the request for a Loan Modification which would take 30 days or more to process. I filled out the requested forms ( mortgage assistance application, XXXX, pay statement, hardship letter of explanation ). Customer services ask me to submit everything and someone will call me to discuss the options. I stated that the reason for the loan modification was to lower the rate and payment to help us get back on track with paying the mortgage. They said that the forbearance payments would be deferred to the back end of the loan. I was instructed not to make any payments until I heard from customer services regarding the modification option. 
On XX/XX/XXXX, I received an email of declined from Mr. Cooper no one called to discuss the modification option. I spoke with preventative XXXX on XX/XX/XXXX a she stated that Mr. Cooper does not have to abide by the Federal Government lending laws for modifications. She stated this has nothing to do with your information you turned in with your application. The lender instructed the underwriters to not review the application information they chose not to do the modification but request all the money from the forbearance program. XXXX suggested I reach out to HUD Assistance for help she provide the information. I also informed XXXX of out hardship situation regarding my husband and the letter explains everything. She stated that if we dont pay the forbearance amount ( {$64000.00} ) that Mr. Cooper will start the foreclosure process on our home in 2 or 3 months. THIS IS UNFAIR we were not giving the option to do a modification on our home!

I contacted HUD Assistance and Ms. XXXX XXXX spoke with Mr. Cooper to request that they consider review the modification program for us and it was still declined. Ms. XXXX instructed me to reach out to the CFPB for assistance with Mr. Cooper. Im sure we are not the only homeowners who are going through this problem.

Im requesting an investigation be open with regards there loan modification application process. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent in my dispute letters via mail on XX/XX/2023 and I still haven't received a response, a status of the investigation or any results.

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 2023-02-17
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX of 2022 my car was repossessed. I paid XXXX to have the car returned. In XXXX I called to see the amount due and they told me an amount of approximately XXXX through XXXX XXXX, after the XXXX XXXX. 

My complaint is when the amount was requested in XXXX it did not include additional fees. When I spoke to the representative he said they have a new " pay hierarchy '' system. This would include fees paid first then other amounts would be applied to principle and interest. So instead of XXXX counting for 2 payments and a repossession fee. It counted for additional fees from months prior to XXXX. This would make my account behind more days than normal making me at risk for repossession, This was never communicated to me nor did I receive any notice of this new payment system. 

KIA MOTOR FINANCE

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 2020-03-24
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The details are covered in CFPB complaint # XXXX I did get a response to the complaint from NewRez, but it is incomplete and inaccurate : 1. The Town taxes listed on the NewRez web portal show {$3200.00} payment due on XX/XX/2020 and {$3200.00} payment due on XX/XX/2020. These are incorrect for the property in XXXX, MA. These are actually the tax values for my property in XXXX, MA. So the tax information is still incorrect and needs to be updated by NewRez 2. The Insurance information supplied by NewRez is for my property in XXXX, MA and it clearly states this in the information that was sent in response to my complaint. The policy premium listed in the Doc and on the NewRez portal ( {$1300.00} ) is for the XXXX property. XXXX XXXX has the policy and loan information correct for both the XXXX and XXXX properties. NewRez needs to update their incorrect information. 

3. I have not received a response to my request for a root cause of the initial problem with the incorrect property address in the NewRez system. And I did not get a response to my request for compensation for the time that I have had to take to resolve all of NewRez 's problem servicing my loan. 

4. I have now left 2 voicemail messages with XXXX XXXX ( listed as the Compliance Department contact ) - with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2022-04-09
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:
XXXX XXXX  IS REPORTING INFORMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO MY THERE HAVE DECIDED TO Per your request, the account will be marked Cease and Desist following this response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2022-04-09
Company: Experian Information Solutions Inc.
State: TX
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:
Please delete these unauthorized inquiries : XXXXXXXX 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 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

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 2023-05-04
Company: Experian Information Solutions Inc.
State: NJ
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:
As per the Fair Credit Reporting Act, the credit bureaus must verify information with the original creditor and I have the right to an accurate credit report and any and all inaccuracy should be deleted. XXXX and Experian have indicated that they have verified a bankruptcy with the original creditor which is the NJ Bankruptcy Court Reference number XXXX and Reference number XXXX however, I have attached several letters from the NJ Bankruptcy Court indicating that " they do not report or verify any information with the credit bureaus. This is a direct violation of the Fair Credit Reporting Act.

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 2020-09-16
Company: Experian Information Solutions Inc.
State: NV
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 have looked at my credit and saw accounts that do not belong to me including a bunch of addresses. Please remove them ...

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 2019-06-12
Company: EQUIFAX, INC.
State: MN
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:
XXXX Equifax XXXX  You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting Equifax you have no Payment History listed on your report this is a violation of the FCRA! 

XXXX  You are reporting and Ok Payment On XX/XX/2019 XXXX  you are reporting a 30 day late on XX/XX/2019 Equifax Again you are reporting nothing. These accounts are inaccurate therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Washington DC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NC
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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I contact my bank after 19 years of accounts, to get a business cc, I was originally told they were not accepting nay applications for credit cards, then I asked to speak to a manager, or see this policy in writing then the representative stated she would send me the application, I filled it out and submitted back to the bank, and wait almost 4 weeks to then receive a denial of credit, I do not have any outstanding debt payments are made timely, for my mortgages ( 2 ) and no other derogatory statements on my credit. I am attempting to build my business credit and have been rail road  I then received a letter the next day I asked about the credit application stating denial without significant reasoning on what I was denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originally had my home mortage with XXXX XXXX and it was subsequently bought by another company called Specialized Loan Servicing ( SLS ). My home requires both hazard and flood insurance, which I pay for in an escrow account. SLS is my servicer and they pay my insurance and taxes from my escrow account. I just found out that my homeowners insurance has lapsed becasue SLS has not paid the insurance premium. The policy expired on XX/XX/19 and I only know about the lapse because the insurance company sent me a 'Lapse in Coverage Notice ', As of now, I have no homeowners insurance. I am really worried that something will happen to my house and I won't have the insurance to cover 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 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
TransUnion charged me {$5.00} to temporarily unfreeze my credit report. 
This occurred on XXXX XXXX, 2017 On the web site it is listed as a free service.

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 2023-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation