BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company involved is Nationstar DBA Mr. Cooper and the nature of my complaint is I am being double-billed in transfer between mortgage servicers. 
On XX/XX/XXXX I made the last payment ( due XX/XX/XXXX ) to the prior servicer XX/XX/XXXX On XX/XX/XXXX I received notice from XX/XX/XXXXthat the loan was scheduled for transfer to Mr. Cooper, effective XX/XX/XXXX. 
On XX/XX/XXXX I received a notice from Mr. Cooper welcoming me to their servicing of my loan. 
On XX/XX/XXXX I received an incorrect notice from Mr. Cooper that a payment was due to them XX/XX/XXXX - note that this is PRIOR to the effective transfer date and redundant with payment already made XXXX XXXXXXXX XXXX. 

I made a manual payment to Mr. Cooper XX/XX/XXXX, for the actual payment that was due XX/XX/XXXX, out of concern that the autopayment process would not be set up in time for the XX/XX/XXXX due day as I had been recently transferred. 

On XX/XX/XXXX an autopayment to Mr. Cooper did occur. I consequently later called to reverse one of the two duplicate payments, XX/XX/XXXX and XX/XX/XXXX, which were both for the payment due XX/XX/XXXX. 

Since this reversal Mr. Cooper believes I am one month behind on my payments despite consistent payment at the beginning of every month ever since. 

The source of this problem is the erroneous double-billing for the payment due XX/XX/XXXX, which was DUE PRIOR TO MY TRANSFER and which had ALREADY BEEN PAID TO THE PRIOR SERVICER I had a 2 hour phone conversation on XX/XX/XXXX during which a representative repeatedly failed to acknowledge my concerns and merely repeated Mr. Cooper 's erroneous information. I was told a manager would look into this and I would hear back. I did not ever hear a response. 

XXXX weeks later I submitted a written complaint to the company. They again stated they would look into the complaint and I would receive a response in 7 business days. They eventually did respond merely with a reiteration that their information was correct- without actually providing any information to contradict any of my claims- and that my loan payment made XX/XX/XXXX had been applied to the payment which had been due XX/XX/XXXX ( which retains a 1 month inaccuracy which has persisted ever since my original transfer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: CA
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 have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to covid. The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( XXXX ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.

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 2023-12-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Asked about lowering payments using an interest only program and payments are still high nearing {$500.00} a month on a teacher salary. Private loans were issued from XXXX and I have Been paying since XXXX  barely lowering my debt with a payoff date of XXXX. Loans were given at such a young age and were too much with no options of lowering interest. I have 4 different loans out with interest rates from 9.5 % to 10.2 % on a student signature loan totaling {$66000.00} that I was influenced to get at age XXXX. Company has only discussed interest only payments with a high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a called from advanced financial 24/7 on a sunday which is my religious day off trying to collect a debt i told the caller it was sunday and she still continued to try to collect completely disregarding my peace. And disturbing me on the Lord 's day so i hung up. The call was completely disrespectful. Not to mention this situation has already been addressed and has a case already with The CFPB in regards to my payments i have digital reciepts attached establishing that my payment went through ( see attachments ).  This is not the first time they have called me and each time it was from a different number. Which is deceptive because i received the loan in the area code of XXXX but im getting calls from SC and CA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to covid. The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( XXXX ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.

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 2023-03-30
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:
Back in XXXX  I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was XXXX XXXX XXXX BANK. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all XXXX  of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.

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 2022-08-14
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
: RESURGENT CAPITAL SERVICES you are in direct violation of my rights under the FCRA act.

-Failed to validate a debt at my request-FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus including the hard inquiry that I did not authorize. Show proof of the application that resulted in an inquiry. If not, remove that inquiry from all credit agencies that you are reporting too. DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to the Consumer Financial Protection Bureau as well as the XXXX. If this is not rectified in the correct manner. Per my lawyers request, I will sue you in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have Complaint Number XXXX against Bank of America, now has their denied as : When a transaction is made in person, the consumer has the opportunity at that time to inspect or reject the merchandise. If the merchandise is later found to be unsatisfactory, defective, or incomplete, credit is at the merchant 's discretion. Without a credit slip, we're unable to assist you further. 
When a company try to scam you, there's no way we a senior consumer will aware and know we have to inspect before we left, also the tour 's guide rushing us back to bus and left immediately. 
XX/XX/2018 I also try to contact merchant again but fail. Please see all attach as ref. 
When I get fails for reply, I even try to give merchant XXXX email than XXXX, maybe XXXX has no XXXX. But I am unable to get hold with merchant, and BOA can not use this to against me and force transaction go through to get me as victim for this sales.

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 2019-05-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
From what I was told when I signed up with this card, I was not going to be charged if I didn't have the funds in my account. When I opened this account, I had come from XXXX and even XXXX XXXX XXXX with the promise that I wasn't going to get charged overdraft fees from the company and a transaction would not take place if the money wasn't in the account. 
THIS means " every day '' card purchases, this does not mean any other types of purchases. That means that if you go to the grocery store and try to buy something, it will decline if funds are not available. That makes sense. But why am I being charged AT ALL if the money isn't in there? 
It's been so long, and I finally read the verbiage used in the disclosure about overdraft fees and they say they will pay things to their discretion. I have called them to ask them not to take the fees if the fees aren't in there. This is not my primary account and I am switching to an account that doesn't take money if the money isn't in there. If paying something is up to the discretion of a company, they will pay it because they know I'm going to pay hundreds of dollars in overdraft fees every single year for it. With that said, I have tried closing my account multiple times now and they tell me that I can't if I have pending transactions. So then I have to wait. In the meantime, another thing ( to their discretion ) is paid, and another fee is attached to it! I don't even use the account anymore, and I feel like I'm being cornered. I would like all of my money back for the fees, I have paid the company more than enough money for paying bills that I told them not to take out unless the money was in there, but they pay it ( to their discretion for a {$34.00} fee ). This doesn't seem like a bank to me, it seems like a business where they make more money and they can not be trusted with my business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I took out a BMO BANK rewards credit card on XXXX XXXX. If I spend {$1000.00} in 90 days I would get back {$200.00}. That was the advertised agreement. I spent {$1200.00} in the 90 days which was up on XX/XX/XXXX. Online it showed I have {$210.00} cash back. I called to find out about getting it back and got bounced around with phone transfers and they will not give me my money.

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 2022-08-10
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company CCB/ALPCOS XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY CAPITAL BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
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:
On XX/XX/2021 I mailed a letter to Equifax requesting a debt validation of XXXX debt owed to XXXX XXXX. I also requested a debt validation from XXXX XXXX, as of date XX/XX/2021, I have not received any response from Equifax or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CITIBANK, N.A.
State: KY
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 signed up for a Costco Membership as well as a Costco Anywhere Visa Card by Citi. I registered my account but was initially unable to log in. After troubleshooting on my own for a week, I called Citi Bank and was told it was an authentication error on their side. The customer service representative I spoke to said that they reset my account and that after 24 hours I should be able to register again and then log in.

After waiting 24 hours, I was unable to reset my card. During the following weeks, I would continuously contact Citi Bank customer service and request assistance with this issue. For most of these conversations, I was told that a ticket was opened under my account to address the issue and that it should be fixed. Every time I contacted Citi Bank, I was advised to wait and try again after a certain amount of time. The second to last time I contacted them, I was told to wait a little over a week, and that I would receive an email confirmation that the ticket was resolved. 

During this time I also tried to pay off my credit card statement over the phone, and I was initially told that I was unable to do so because they were unable to find the routing number of the credit union I use. This was eventually corrected on a different call, but was still troubling. 

However, the registration issue persisted. On XX/XX/XXXX around XXXX XXXX several weeks after I first reported the issue and reached out to Citi Bank customer service, I was able to speak to a supervisor. Her name was XXXX, and she informed me that there was in fact no ticket associated with my account and that the only way to proceed was waiting 7 days to confirm my identity. At this point, my statement was due in 7 days, and she told me that I had no other options and that there was nothing that Citi Bank could do. 

This completely went against the previous information that Citi Bank had told me. The customer service that I've experienced has been the most unprofessional and unreliable I have ever experienced. Between the misinformation and miscommunication, I feel that this is a completely unreliable credit card service provider. I have spent close to 8 hours on the phone with Citi Bank customer service, and no solutions were found during this. This was not something that I did wrong, which the representatives I spoke to confirmed. This was an issue caused by Citi Bank, that they did not resolve, despite telling me it would soon be fixed. It should not take over a month and several frustrating phone calls to simply register for an account. 

I was also notified that there may be fraudulent activity on my account, but I have no way to confirm this. Even over the phone, I was told nothing. To me, this is completely unacceptable.

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 2023-01-27
Company: MIDFIRST BANK
State: DC
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:
THIS COMPANY BOUGHT MY MORTGAGE FROM ANOTHER COMPANY IN XXXX OF 2021 AND HAS NOT REPORTED TO THE CREDIT BUREAUS PLEASE SEE ATTACHED CREDIT REPORT FROM XXXX SHOWING NO MORTGAGE.

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