BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a COVID-19 Forbearance plan with my previous servicer and then my loan was transferred to Mr. Cooper. I informed the new servicer my hardship has ended and I was ready to pursue a post forbearance option. The servicer collected some financial information and weeks later I received a letter in the mail dated XX/XX/XXXX saying I was denied for a FHA HAMP Modification due to excessive obligations in relation to income. I reached back out to the servicer to determine why I was denied and to ask if I was reviewed for all available options. The agent I spoke to claimed I was reviewed for all options and they gathered updated income information from me. I later received an approval dated XX/XX/XXXX for the FHA HAMP Modification but the payment increased by {$700.00}. I then received a letter dated XX/XX/XXXX saying I was denied for a Partial Claim due to exceeding statutory maximum and denied for a FHA Disaster Modification due to insufficient monthly payment reduction. I shared this information with a close relative who works in Loss Mitigation who suggested I call back to specifically ask if I was reviewed for FHA 's COVID-19 Advanced Loan Modification ( ALM ) and FHA 's COVID-19 Recover Modification. The agent I spoke with wasn't aware of those programs. I attempted to escalate by asking to speak with a Manager. I was informed all managers were in a meeting and that a call back request would be submitted. I was told I should get a call back within 48 hours. Two business days later I called back because I didn't receive a call back from a manager. The agent said there is an appointment for a manager to call me back at XXXX the following day which was beyond the 48 hour response I was promised. The next day, I didn't receive a call back at XXXX as promised but I waited until XXXX XXXX which would have been XXXX where the servicer is located before calling back in. I spoke with another agent to inquire about the manager call back and my review for FHA 's COVID-19 ALM and FHA 's Recovery Modification. This agent wasn't familiar with those options either and she claimed I didn't qualify for the FHA Disaster Mod due to not being current as of XX/XX/XXXX which contradicts what the denial letter disclosed. Both COVID-19 ALM and COVID-19 Recovery Modification does not have a requirement for the loan to be current as of XX/XX/XXXX nor does there has to be a payment reduction as mentioned in the previous denial letters. The COVID-19 Recovery Modification would be beneficial for me because it offers a 40 year term combined with a Partial Claim which would offer a payment that's roughly {$400.00} less than the modification I was approved for.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Received false and inaccurate information on my credit report that I have no knowledge of or have consented. This is hindering my current job benefits from access and I am in disarray.

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 2023-05-09
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting this communication as a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX who has an engaged in a predatory, deceitful, and willful practices to destroy and ruin my credit. As a way of background, On XX/XX/XXXX, I obtained a HELOC from Citibank on a property I owned at XXXX XXXX XXXX XXXX NY XXXX, the predecessor in interest to XXXX, there was an ambiguous and unsubstantiated debt which was contested paid for at least 13 years and subsequently after that period XXXX  produced a payoff letter which was paid in full on or about XX/XX/XXXX. Payoff letters were generated and mailed to me ensuring that the debt was fully satisfied, about a year later XX/XX/XXXX, XXXX starts reporting to all the credit bureaus instances of delinquent payments and continues to do the same every month until today. This has tremendously damaged my credit worthiness and my business prospects, which caused numerous business opportunities to be quashed as a direct result of XXXX willful malicious conduct

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 2019-07-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony Qvc retail account changed the date of payment due date without informing me. I made payments by the date the bill had been paid for the past few years then found out the I was not paying enough as late fees were being assessed.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( XXXX ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: IL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2019-06-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 wrote to Bloomingdale 's to dispute billing errors on my account. I first wrote on XX/XX/XXXX and never received response ( certified receipt ). I then wrote again on XX/XX/XXXX ( certified receipt ) and to date no response. These letters were addressed to the CEO. 
The amounts billed each month as I described in my first letter were incorrect. One month I owe thousands next month nothing. I was being charged for items returned months before. Payments I sent in were put on items to be paid XXXX and the item they say I did not pay I was charged lump sump of interest payment. I am and have requested that the errors be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. In the beginning I made calls to try and correct to no avail ( dates are in my letter ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 Hard Credit pulls on my credit reports that I did NOT authorize or give them my SS to do so. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/2023 and Flagship Credit Acceptan ( finance ) - XX/XX/2023 I called both and they cant remove or have no idea if or how they did it. 

I did NOT give out my SS online and I did not authorize ANY banking institution to pull my credit. 

Please remove these from my Credit bureau as it has affected my credit which I am trying to rebuild after a bad divorce.

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 2018-10-30
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Professional Debt Collections agency has made threatening and harassing phone calls to me, my grandparents, my mother, my boyfriend mother, and my workplace ( the final straw ). They told each person they contacted the alleged " amount '' I owe ( {$1600.00} ).  Also, they asked for ways of contacting me. They even asked for certain spots in the area that I hang out in.This collections agency calls my phone 5 times ( minimum ) per day. So much that I can not even focus on my work. I even had to change my phone number because of this agency for a peace of mind. They also informed me of my other job and threatened to use it against me ( EXTORTION ). I'm contacting a lawyer as soon as possible. However, the time and hassle will interfere with my work-life and the alleged amount owed makes me wonder.. is it worth it. This is ridiculous and obscene.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
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 had a Chapter  XXXX  Bankruptcy that was Discharged on  XXXX   XXXX ,   XXXX  . Part of the BK was a mortgage loan with  XXXX   XXXX .   XXXX   has " miscoded '' the  XXXX  trade line to show as a "  XXXX  '' ... which means Foreclosure. I did NOT have a Foreclosure ... I in fact still live in the house. They have also put verbiage in the " remarks '' section of the report stating that I had a Foreclosure ... I did not. I need the  Code  "  XXXX  '' removed and the REMARKS removed ... please.   XXXX  Part of the letter from  XXXX  states " The credit bureaus have been updated to relect no reporting after this date. '' Again, nothing is supposed to be reported after  XXXX   XXXX ,   XXXX   ... Transunion has a " Reported Date '' of  XXXX  and a " Last Activity Date '' of  XXXX . I need those changed to  XXXX  as  XXXX  has stated in the letter.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently noticed the following collection account on my TRANSUNION AND XXXX XXXX credit report : XXXX XXXX XXXX XXXX {$1100.00} This account was previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. 

Please note that copies of statements are not valid proof of a dispute. The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.

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 2023-01-01
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing a complaint against the loan service company BSI Financial services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX. I believe they are committing fraud by delaying the processing of checks and not depositing them in a timely manner, resulting in late payments to the consumer. 
My bank is authorized to automatically send a check each month to BSI on the XXXX of each month. The bank states that physical checks are taking more than five days to reach their destination so I am diligent in having them send it out to be received by the XXXX  ( at the latest ) of each month. In XX/XX/2022, the bank issued BSI a check on XX/XX/XXXX ; BSI did NOT process the check until XX/XX/XXXX resulting in a late charge which I disputed and it was subsequently waived with my bank 's intervention. In XXXX the bank sent BSI a check on XX/XX/XXXX and BSI did not clear it until XX/XX/XXXX. I called BSI and they claimed that was when they received the check. They will not waive the late charge on this even though I spoke with them ( XXXX? ) on XXXX XXXX. 
Somehow even with the new USPS standard for first class mail taking 5 days or more 15 days for a mailed check to clear is unacceptable. Prior to XX/XX/2022, BSI seemed to have been receiving and clearing the physical checks in a timely manner. 

I would like the CFPB to -investigate BSI 's current practice, to protect other consumers - ensure my credit has not been affected by these false late charges, - intervene on my behalf to BSI and have them waive my late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Spring Oaks Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Nathan & Nathan, P.C.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a small claims court document from the Plaintiff, Nathan and Nathan XXXX XXXX, that is located in XXXX, Alabama, regarding payment of a debt that I have submitted two online payments to their law office on their website. The Plaintiff wants to sue me after I have made the same monthly payment amount I was making to the original credit card company, XXXX Credit Card, before Nathan and Nathan XXXX XXXX got involved with me paying my credit card bill. The law office 's predatory business practices are very deceptive and unrealistic of the facts of me submitting payments to their law firm. This is the second time this law firm has sought out to take over a debt that I owed and go forward with suing me after I submitted payments to their law firm. I am not sure if I have turned down the advances of someone at that law firm or they want me to support their personal affairs of paying their own bills or they are using drugs to support their habits by making the decision to sue someone after they have responded to their original debt collection notice and submitted payments on their law firm 's website. I'm not sure what the intent is of Nathan and Nathan XXXX XXXX however, someone needs to look into their business practices and contact other citizens in the local community that are being targeted by this law firm because they are harassing me at this point with false accusations.

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 2022-05-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Once, Paypal had temporary limiting my account activity and asked me to upload some proof documents such as ID card and bank statements. Once I uploaded my documents, My Paypal account has been permanently XXXX. I was so frustrated. I only use my Paypal account to accepts payment from a microstock website, such XXXX, XXXX, or XXXX  XXXX  XXXX sites as XXXX, XXXX XXXX, XXXX, etc which I am a designer, and make some payments with my fellow clients. I can provide any documents needed and why my Paypal account being XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: SYNCHRONY FINANCIAL
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:
My right to privacy is being infringed upon according to 15 USC 1681 ( 4 ) with this reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see the contract.

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 2023-10-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I have a loan with Mr. Cooper, on XXXX I was about to loose my home, Mr. Cooper offered me something call : LOAN MODIFICATION, I was desperate, I don't speak, write or read English good. A man came to my house with the loan modifications papers ( more or less XXXX pages ), I signed the papers, then on about XXXX, I had another modification, a lady came and I signed papers. I am a single woman with a XXXX XXXX XXXX son with XXXX living with me, in XXXX, I was about to loose my house again and I tried bankruptcy but since I could not come with the {$2200.00} plus monthly payment the bankruptcy was dismissed. 

Every time I owed 2 months mortgage, I paid 1 month, I was struggling to keep my house. On XXXX of XXXX, I retired from my job because I am XXXX XXXX XXXX and when I got my retirement FRS investment check, I took it and sent {$90.00} to Mr. Cooper. I said to myself, I will not be able to pay {$890.00} out of $ 1183 monthly Social Security Income, the best thing to do is to pay off the mortgage, to my surprise, Mr. Cooper 's representative told me there is a second mortgage in my house with somewhere call HUD. They gave me the information and they claimed that I did 3 loans modifications, I said I did 2, they sent me the forms that I signed which are for 2 loans modifications but HUD FHA said there are 3 modifications and since the first mortgage is paid off, I must pay {$24000.00} immediately or they will start foreclosure process, I have no way to pay that sum, I never told when I did the modification, Mr. Cooper took a loan on my behalf, I don't know what to do, I don't want to sell my house and I was told that HUD don't give monthly payment, I have to pay or else, even tough I have a lot of equity, my lender Mr. Cooper told me that because of my credit score they won't help me. If I knew about that loans with HUD, I would have not paid the {$90.00} I would have saved it and not paid the house. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, 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've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.

Company response to consumer: Closed with explanation