BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company : Freedom Mortgage Loan No. : XXXX I was approved for a forbearance plan due to the Covid pandemic ( CARES ACT ) by my previous mortgage service provider, XXXX XXXX 
Start date of Forbearance : XX/XX/XXXX. 
End date of Forbearance : XX/XX/XXXX ( total duration - 12 months ) My mortgage account was transferred to a company called Freedom Mortgage, effective XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Freedom Mortgage and informed them that I was ready to exit the forbearance plan and start making regular mortgage payments from XX/XX/XXXX. 
In a decision letter dated XX/XX/XXXX, Freedom Mortgage informed my in writing that I was eligible for a " Covid-19 Combination Partial Claim and Loan Modification '' option. I signed the letter and sent back to Freedom Mortgage for processing. 
As for today ( XX/XX/XXXX ), Freedom Mortgage has not processed the documents necessary to exit the forbearance plan. I have made numerous phone calls to Freedom Mortgage customer Service and each time I was told that the documents are in processing. 
I was informed in one of the phone calls that the target date for my regular first payment would be XX/XX/XXXX. I called Freedom Mortgage customer service again this morning enquiring about the processing of the documents and I have been give the same answer - documents in processing, no time line as to when they will be completed. I have been quite anxious dealing with Freedom Mortgage, as my personal experience is that there is very little coordination between different departments of the company. It puts in high risk as one department, oblivious of what is happening, may start a foreclosure action against me, while the customer service department is reassuring me that everything is fine and that I do not need to worry. 
I believe I face great risk due to the inaction by Freedom Mortgage in processing the forbearance exit documents.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
they are reporting this fraud account thats not mines

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 2019-07-28
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I would like to raise a red flag concerning the US Dept of Education  ( US DoEd ) practices with regard to how they manage their student loan default program. I was working with their Default Resolution Group on a loan rehabilitation program when they suddenly and without any warning violated the good faith terms of our agreement and placed my loans in default with a third party, private debt collection agency/company. I had been unable to make consistent or adequate loan payments for some time and so XXXX, the loan servicing company, transferred my loans to the US Dept of Ed Default Resolution Group ( DRG ). I made a good faith payment at the beginning of the process and they even garnished   my state income  tax   return even though I was under the impression that I was NOT in treasury offset, wage garnishment, or any other similiar situation, based on conversations with representatives who told me that if I make payments that would halt any further negative action taken against me. It did not. Then, after working diligently to apply for a loan rehabilitation program administered by the DRG ( their website : www.myeddebt.ed.gov ) they arbitrarily and capriciously, without warning or any reason given, sold my loans off to a private debt collection agency and tacked on over {$13000.00} in collection fees. They did this only about 2 weeks after they denied my initial application for loan rehabilitation. They first told me I could submit certain financial statements, such as bank statements, to document the income and expenses portion of the loan rehabilitation application, but this was incorrect information given to me by their representatives. Because of this incorrect information, they rejected my application stating I had not supplied adequate documentation for the income and expenses listed! While I was working on getting the required documentation, they sold my loans and debt collection added on outrageous penalties and fees. I am currently working with a student loan advocacy organization, called XXXX ( XXXX ) that I found through the XXXX ( Virginia XXXX XXXX ) and fear that legal action may be necessary to reverse the actions taken against me by the US Dept of Ed. I wish to pay off my debt as agreed and even hope to qualify one day for the Public Student Loan Forgiveness Program ( PSLF ) or XXXX Loan Forgiveness   Program ( XXXXLF ) but this will never happen if I can not get these unjust and punitive fees removed and get back on a path towards a sustainable, affordable monthly loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Mercury Technologies, Inc.
State: IL
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:
Hi all, First of all, thank you for replying to my original complaint to the Consumer Financial Protection Bureau # XXXX. Your answer was very kind. 

I am reaching out again and opening up a new complaint because I am asking you to reconsider our claim based on the merits of our case. I understand that you have very specific dispute terms. And I apologize for having taken us so long to submit our answers- frankly it was simple miscommunication between our joint account users. However, I ask that you please reconsider as we did nothing wrong. Our account was compromised through your company 's backend. The faulty transaction was processed through the account 's virtual debit card number yet there was no activity of anyone in the organization even logging into the account on that day, or that week for that regards. Someone, somewhere, accessed our account 's virtual debit card number without having our login information, and then successfully charged a 4-digit amount to a physical PoS several states away than any registered address on our account. Doesn't that scream fraud? Security breach? 

We disagree that we should be held in contempt for this missing money as we believe it is your duty as a consumer financial institution to safeguard our assets against malfeasance. Once again, please reconsider your dispute claim limits and accept our charge dispute answers, and refund the stolen money from our account. Thank you very much in advance for any help you can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: TX
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 have unresolved issues with Experian. I was part of a class action lawsuit through State Of Mississippi District Attorney under the claimant name of XXXX XXXX. Which the state won due to incorrect information being added to consumers reports. 

I am still having major issues going forward. 
There are several names that are not even me, as well as a social security number ending in XXXX. 
I Never had a name of XXXX XXXX XXXX, or XXXX XXXX XXXX. Addresses in California at XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and so many other I can not even write in statement. 

Never married or co applicant with a " XXXX '' Below is now a list of the accounts i have attempted to rectify by mail or even called. : XXXX XXXX XXXX  XXXX was paid off by agency they transferred it too so how can it be a charge off/written off debt. 

XXXX  XXXX XXXXNever owned an account with this company/person. Have inquired with this company that has no information to provide in regards an account. Called Experian on this account 3 times and still no proof of anything. 

-XXXX XXXX XXXXXXXX Duplicated information is listed multiple times on this credit report. I have 3 student loans in deferral status due to bankruptcy. This is listed on my credit 7 times. 
- XXXX XXXX XXXX XXXX page XX/XX/XXXX. This is ex husband XXXX XXXX Debt effective XX/XX/XXXX per divorce. 
-Page ( s ) 20-31XXXX XXXXXXXX XXXX XXXXXXXX are in XXXX bankruptcy should not reflect written off. They updated this information in XX/XX/XXXX, I have been in bankruptcy since XX/XX/XXXX. Balance ( s ) are not correct. Please Correct or remove as this is a violation of Bankruptcy law. 
-Page 32 and 34XXXX company sent written statement to advise they where unable to locate an account. as of XX/XX/XXXX they mailed letter stating that debt was sold to XXXX XXXX at which XXXX XXXX has no information on an account for consumer. 




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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 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
I was recently on vacation in XXXX XXXX XXXX, XXXX. On the last day of the trip on the way to the airport, I stopped to refuel my rental car. Upon completion of refueling the car, I handed the gas station attendant my credit card to pay for the gas. At this moment, a co-worker called him over to the other side of the pump for assistance. He walked over to the other side of the gas pump, and I believe this is when the fraudulent transaction was made. He returned to the side of the pump to process the gas transaction. Upon returning home, I checked my credit card issued by Capital One and discovered a transaction had been made by a merchant based in XXXX XXXX ( I was never in XXXX XXXX ) for the amount of $ XXXX by XXXX using the payment processor XXXX I immediately contacted Capital One to dispute this charge. Capital One rejected the dispute saying they believed I had benefitted from this transaction as it was a chip read transaction and supposedly very secure. I have since made numerous inquiries to the fraud and dispute departments at Capital One. Further information became available about the transaction. It occurred on XX/XX/XXXX at XXXX for {$410.00} for dining/fast food, while the legitimate charge for the gas occurred at XXXX for {$36.00}. How likely would it have been that I purchased over {$400.00} worth of fast food from a merchant in XXXX XXXX while I was on my way to the airport in XXXX XXXX XXXX? Capital One questioned why I continued to use the card after this transaction to which my response was I was not aware of the fraudulent transaction until the day after I got home. Furthermore the credit card was out of my possession for a brief minute at the gast station where the fraud occurred. The payment processor has also launched an investigation. See attached letter from XXXX and the letter that I explained this to Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-08-10
Company: LEXISNEXIS
State: GA
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:
XXXX.In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX has violated my rights. 
XXXX.In accordance with the Fair Credit Reporting Act XXXX XXXX Delaware Account XXXX XXXX has violated my rights. 
XXXXIn accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act THE XXXX XXXX XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Due to the incompetence and shady business practices of Goldman Sachs/Apple Card , I am having to file a second complaint. 

My original complaint ( XXXX ) was filed because there was an " inadvertent processing error '' by Goldman Sachs and my Apple Card was overpaid by {$480.00}. Goldman Sachs/Apple Card initially refused to refund my overpayment. When they did finally refund my overpayment, they charged me {$11.00} in interest that should have never been charged because, as is the case every month, my balance was paid in full. Additionally, I was informed that there would be a trailing interest charge because of their mismanagement of my account. 

Goldman Sachs refunded the {$11.00} interest that should have never been charged and informed me they would also automatically refund the trailing interest charge ( I specifically asked if I needed to initiate the refund and was told that I did not ). At the close of my last billing period, I was charged {$4.00}. The trailing interest was not automatically refunded, so I contacted Goldman Sachs/Apple Card on or about XXXX XXXX. It is now XXXX XXXX and the erroneously charged trailing interest has still not been refunded. 

There seems to be a pattern of shady business practices, that border on fraud, by Goldman Sachs/Apple Card . This is likely what doomed their push into consumer banking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. Also, 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( THESE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2021-05-17
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is about Mr. Cooper, AKA Nationstar Mortgage. In the spring of 2020, we applied for and received forbearance due to the pandemic. Our trouble started when we began trying to bring the loan back out of forbearance. First, we could not get a straight answer about what kind of repayment plan we were entitled to. After a couple of months we got a modification plan approved and submitted three test payments. At that time I submitted an additional payment online to cover an outstanding escrow amount, so that it would not be rolled in to the new principal amount of the loan. This payment vanished into some kind of " unapplied funds '' and was perhaps applied later, though we have never received a detailed accounting of this. 

Then in XXXX we were sent the papers to sign for the reconfigured loan. We signed and returned them immediately. We received some texts and robo-calls which my phone filtered as spam, with no messages left. There were no account messages nor emails during this time. Because I was receiving multiple calls from the same number I decided to call it back, and it turned out to be Mr. Cooper. They told me I had an amount due to " book '' the loan modification and the agent told me that it was to cover escrow payments. I asked him to tell me where my unapplied escrow payment had gone. He said he would escalate the matter and get back to me. He never called back. From this point in the story I am attaching my note log. Currently it is XX/XX/XXXX, we have sent our XX/XX/XXXX payment on XX/XX/XXXX, it was again listed as " unapplied funds, '' and we continue to get dunned about payment of the XXXX bill. Throughout the process I can never get a straight answer, and seldom get the same answer from two different representatives. And, this matter of the " unapplied '' funds that I have sent to them is inexcusable. 

Also, I never have spoken to the same customer service agent twice. Each person gave me different advice. XXXX in XXXX let me know that people in Customer Service are trying to be helpful but really shouldn't give advice outside their scope, as I had gotten steered wrong a couple of times. Furthermore, I was only able to call XXXX in Escalation back because I captured her direct number when she called me back. Theoretically there is a person in customer service called XXXX XXXX who is assigned to this account, and each time I have called I have first been routed to his voicemail, which always says he is not available. Any time of the day or night, not available, over an 8-month period. Frankly I suspect that he is a fictitious person, set up to make me feel some kind of " personal touch. '' I can't help but feel that if there really was a single point of contact, that person could have shepherded this situation to a satisfactory conclusion much sooner.

Company response to consumer: Closed with explanation