BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-19
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is not accurately reporting payments, payments amounts, escrow increases, and true account activity. 

I have had Mr. Cooper as my mortgage servicer since XXXX when they were Nationstar. There have always been issues with how payments and payment increases have been processed. The heightened issue is when I went into the COVID pandemic relief plan that was offered for up to a 12 month relief period. I took this plan in XXXX after permanently losing my job in XXXX due to the pandemic. Up until XXXX I was able to swing my regular monthly payments with some stimulus help. When I extended the COVID plan until XX/XX/XXXX this is where the real problems started. I was blocked from all activity on my account. Electronic payments were claimed not received or posted although they cleared my bank accounts. Once I could view things payments were not accurately receipted and the entire history of the account had been monkeyed with noting substantial historical unapplied funds. My payment had also been increased. Prior to COVID any additional payments I made we designated to principal. 

My account is now flagged as a MODIFICATION and I did not review or agree to any MODIFICATION with the exception of the COVID relief program that Mr. Cooper approved until XX/XX/XXXX XXXX the nine month mark ). Mr. Cooper stated even though I was told I would be allowed up to 12 months of COVID protection that they were ending it at 9 months. Mr. Cooper refuses to receipt payments accurately, and dodges increased escrow inquiries. I never received notification of this increase in writing or otherwise prior to the increase already being implemented. 

I was sent a notification 9 days ago where nothing was actually posted about some communication regarding modification. I have not reviewed or agreed to any MODIFICATION with the exception of the COVID relief plan. 

Mr. Cooper has several class action lawsuits out there citing the same experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I have Bank Of America accounts in my XXXX  credit report witch has lot of incorrect information in there such as addresses, phone numbers and employers name. 
I have written letter to credit bureau since XX/XX/2019, to have this information corrected or removed, but 4 times they send me letter that everything is accurate. 
Also I send same letter to Bank Of America account cervices exact same day XX/XX/XXXX and until today I don't get respond from them. 
I think they just don't really want to help me to protect my right, and I know your company have been made to protect consumers rights. 
Thank you I hope you guys can help me to get out of this dirt

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 2021-02-13
Company: Experian Information Solutions Inc.
State: TN
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:
Experian notified me at the end of XX/XX/XXXX that a company pulled a hard check on my credit. The explanation was that I had request credit with this company. I had not. The hard pull will remain on my credit for 2 years. The company requesting information was XXXX XXXX XXXX. My account with XXXX was pain in full and closed by me XX/XX/XXXX. I did not request more credit. Im fact my payments were delayed with their approval due to being in good standing. Covid, a natural disaster, hurt my ability to sell XXXX  that I make and that earned money paid my XXXX XXXX Bill each month. People were out of work and were not buying unnecessary pretty floral arrangements. I had to pay my rent before a XXXX bill. XXXX told me that they would not lower my monthly pmt. I ended up paying this Bill completely off 12 months in advance after never having a late payment until Covid. I pulled together every penny I had. There was no reason at ALL for this company to do a hard pull on my credit which hurt it.. months after the account was paid off and closed. 

Just this past week I discovered I had been a victim of identity theft. My internet did not work. I called a customer service number for XXXX and the representative guided me thru a process of installing an app on my phone. He sent me IP addresses who had accessed my credit and identity and told me I had to pay XXXX dollars to him to fix it! I immediately hung up. I have the phone number. This person accessed my Experian Credit and tried to open another credit line with XXXX XXXX XXXX in my name. I immediately notified Social Security and FTC. 

I have now had to freeze all my credit. Experian refuses to let me show them the documents of how my identity was stolen. I have submitted many request to them. They no longer will let me submit anything!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've asked Transunion to verify information for XXXX XXXX  XXXX XXXX account ending in XXXX regarding suspected inaccurate reporting. I sent a letter XXXX certified mail that was received by Transunion on XX/XX/2022. Please note- this consumer received a letter from Transunion stating that they can not complete my request for verification. It is reported differently to all agencies depending on the month.

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 2020-12-19
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I upgraded my Hilton Honors American Express credit care to to Hilton Honors Aspire card. The terms of the offer were that the first year of membership would be a cost of XXXX XXXX XXXX XXXX dollars and the second year of membership would be a cost of XXXX ( XXXX XXXX dollars to be pro-rated from the date I upgraded to the date I first acquired the Hilton Honors American Express credit card. I received a letter that the annual charge of XXXX XXXX XXXX XXXX XXXX XXXX dollars is due on XX/XX/XXXX. A call to American Express informed me that this offer was a technical mistake and they are not going to honor the terms of the offer ( described above ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: CITIBANK, N.A.
State: LA
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:
We were out of town for my grand baby funeral.When we arrived home a week later.I turned on the answering machine.I heard a message from Citi My Best Buy Visa Card, they were stating that my card was being used and that it was possible fraud charges. I called them back to let them know it wasn't me and I didn't authorize nobody to use my card. I didn't know my card was being used until I heard the message. I told them the same thing Iam telling y'all.They denied the claim and now I been paying on charges that I didn't make the balance is XXXX I kept calling them to reopen the claim they said it was out of their hands, they gave me a address that wasn't good.I called Citi today to get the correct date when all this took place it was XX/XX/XXXX.XX/XX/XXXX I made a payment for {$43.00} on XX/XX/XXXX I made a payment for $ XXXX.I couldn't understand why the payment jumped up so high before the {$550.00} they XXXX  everything out than rebilled me.I owe them {$550.00} and the payments I made going to the fraud charges not my balance. I continued to call them still not getting anywhere, no one wouldn't reopen the case.Iam reaching out to y'all for help. I pray this don't happen to nobody else.Thanks in advance.

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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-02-24
Company: EQUIFAX, 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:
have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems.  The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
On XX/XX/XXXX spoke with XXXX, XXXX XXXX, and XXXX  about disputing charges. 
XXXX said I couldn't dispute more than one charge at a time. 

I have several to dispute, which are listed below : 1. XX/XX/XXXX XXXX {$100.00} 2. XX/XX/XXXX XXXX  {$150.00} 3. XX/XX/XXXX XXXX {$31.00} 4. XXXX Return Payment {$35.00} 5. XX/XX/XXXX Return Check {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2020-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX an account from Portfolio Recovery was reported to my credit profile. Available data shows the last date this account was reported was on was XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has expired. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18, I contacted our mortgage company, XXXX XXXX XXXX  ( now XXXX XXXX ), concerning past due property tax, homeowners insurance, and flood insurance which should have been paid from our escrow. I was advised to email the documents and the request to XXXX which I did. The homeowners and flood insurance were both paid in XXXX but, to date, the property taxes are still outstanding. Since XX/XX/18, I have called and emailed several times. In XXXX, I was promised that the taxes would be paid on XX/XX/XXXX but they were not. Each time I have called, I have been told that the situation is being escalated, they are looking into it, etc. Recently, our county 's tax office issued a notice to place a lien on our property due to nonpayment. The mortgage company is being of no help. Please assist us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: PENTAGON FEDERAL CREDIT UNION
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX XXXX XXXX. 
I filed a complaint number XXXX on XX/XX/XXXX. 
PenFed replied on the XX/XX/XXXX. 
But as of today XX/XX/XXXX, I have not received the money from my account, as the communication received ( attached ) states they have processed. 
I am an XXXX XXXX XXXX XXXX veteran living in XXXX and I have a serious need of this money due to the severe increase in the cost of living. 
Please try to help me because both my wife and I have XXXX and we really need this money. 
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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair Credit Reporting act XXXX XXXX Bank 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.

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 2019-05-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have been trying to have our property taxes paid from our impound account for over 2 months. We have talked with the company on the phone many times and always ensured it would be taken care of. Now our taxes are delinquent.

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 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
About one month ago I noticed a {$50.00} charge that turned out to be a recurring charge that was not done by me nor authorized by me. I contacted Capital One and spoke to a representative who assured me that the charges which had been occurring against my card to a place called XXXX would be stopped because she would cancel that card and send me a new one. She also assured me that all those {$50.00} charges I would not be responsible for since it was fraud. Two weeks later I did in fact receive a new card and called to activate it, put it in my purse and assumed that was the end. Today XX/XX/2019, I received a new statement which I was horrified to see the charge continues to be there. I was very upset so immediately contacted Capital One again and I explained that this should have been taken care of and the gentleman I spoke to seemed really confused said he would do everything he could to help me but kept talking on and on about nothing that made sense. I kept telling him I got a new card so how could this happen and he asked me you actually have the plastic with you? I thought that was a strange question and I began to get impatient with him so he transferred me to someone named XXXX after putting me on hold at least 3 times. When XXXX comes on the phone he said he would cancel the card for sure but that I would have to wait 90 days to see if they would remove the charges from my account. I was furious. I told them that it was not a charge that was mine so why do I have to pay the price for their negligence ... .this was not my charge but yet they wont remove it from my account or the accumulated interest on that charge ... .I never heard anything like this. I am appalled that they could do this to unsuspecting customers. I told him that the right thing is for them to remove those charges immediately plus accrued interest charges and he told me no they would not do it. Is this legal? Please help. 

They could not answer the question of why they sent me a new card and the charge still showed up on the following bill. How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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:
I am respectfully conveying this complaint against Experian for improperly reporting inadequate and or incorrect information on my credit files that in turn violate the Fair Credit Reporting Act, violate my rights to privacy and violate due process of Federal law. It should be known that at present time Experian is reporting names or AKA 'S that are not related to me and nor do I have any interest in them. I filed a dispute and it was denied. Said names on my credit report are : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have never personally used any of these names as my own and nor have I ever used them as any AKS 'S as Experian has them down as. Nor are they any legal names of mine and nor have I ever received any mail in any of these names and I have never had any credit lines or open accounts in any of these names.

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 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TRANDUNION claim they verified this Accounts below 1.XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask TRANSUNION to remove this account due undocumented proof.

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