BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage which is a 1 year XXXX XXXX ARM. My Arm was subject to change effective XX/XX/2022. Mr Cooper is the servicer and XXXX owns the loan. The 60 day notice of rate change was due on or before XX/XX/2022 for a payment change that was effective for XX/XX/2022. Mr Cooper did not send me a letter, so I assumed that there is no change. When I logged into my account to pay my mortgage for XX/XX/2022, I notice a document had been loaded into my account for a Notice of Rate change, but it is dated XX/XX/2022. The payment interest rate went from 2.50 % to 3.625 %. I knew this is wrong so I contacted Mr Cooper, notified them that the 60 day letter was delinquent and the rate was wrong. I included in my attachment all documents and emails between me and Mr Cooper detailing their error. I have also contacted XXXX regarding Mr Cooper violations and errors. The 1 Year XXXX index rate from that Mr Cooper said they used is XXXX, I found the index rate a slight bit higher at XXXX. So if we used their admitted index rate of XXXX + XXXX Note margin = 2.2632 % new interest rate. After I pointed that out to them in our email exchange that their new rate assessment was wrong, they have now lied, again, and said that Mr Cooper changed the 1 Year XXXX Rate index from XXXX to 1.322 % for a new interest rate to me of 3.572 %! What??? So I guess that they can take indexes and move the decimal point to where ever they want it to pump their profits? Where is that in my Note? They are now just making up numbers for 1 year XXXX indexes to cheat customers. 
They refuse to put the floor rate per the Note back to 2.50 %. 

XXXX XXXX XXXX XXXX XXXXXXXX They

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 payment was sent to XXXX & XXXX XXXX XXXX bank to pay off the balance for the amount of {$340.00}. 

Included in the check amount was a copy of the statement and the payment was mailed to the processing center XXXX XXXX XXXX XXXX, Florida XXXX. 

For some reason, the check was returned stating the company did not know how or where to apply the payment. A copy of the statement was included so there should be no discrepancy.

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 2018-05-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I locked my coinbase account because I thought someone else was trying to login to it but I was mistaken and it was just a prior login I had attempted but put in the wrong info. On XX/XX/XXXX I requested that the account be unlocked so I can have access to it. I generic emails from coinbase and responded to them and each time I respond it says that I can't respond to the emails even though it says to respond directly in the emails. I have called customer service upwards of 10 times over the last 4 months. I have been assured that the case is being handled and then a few times they even admitted that they messed up and the case was just sitting there. I most recently received an email on XX/XX/2018 which seemed like someone was actually looking at the case and he said in the email " After youve taken steps to secure your e-mail and phone, please respond directly to this email to request access to your account be restored. '' So I responded to the email and go the automatic response again! The auto response says " Thank you for contacting Coinbase. 

In an effort to respond more rapidly to support requests, direct emails to this address are no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : https : //support.coinbase.comXXXX  Please use the email address that you use to log in to Coinbase, select the appropriate category, and include as much detail as possible when submitting your request. 

Thanks in advance for your patience and support. '' But I am not going to continue to submit tickets to create new cases if they can't even answer and fix my first ticket. 

I just want access to my account and the support I have received to far is borderline fraudulent that it has been 5 months and I still have no access to my funds on coinbase and there is no sign that I will get access to them soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is reporting accounts to my credit without proof of Authorization XXXX - Credit Reporting Agencies Give a complete statement of the facts, with dates In accordance with the fair credit reporting act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXXXXXX XXXX XXXX Acct. # XXXX Tennessee Department of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct 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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of debt at any unusual time or place known or which should be known to be inconvenient to the consumer 15 U.S.C 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector may knows or has reason to know that the consumers employer prohibits the consumer from recieving such communication 15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # 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

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 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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:
On XX/XX/2023, I got an alert on my phone from Bank of America warning me of Suspicious Activity. ( see BoA 1 attachment ), and that my card was closed until the matter was addressed. I went to the website and noticed that there were three charges listed that I was unaware of ( see BoA 2 ). One charge was pending, and two others were denied. I identified those transactions as fraudulent, and that i still had possession of my card. The charges were made online and my information must have been taken from the internet. 

Bank of America credited my card for the {$250.00} temporarily ( see attachment XXXX ). It should be noted that in the upper right corner of the document, {$500.00} is listed, though I dont know why. 

In XXXX, I was issued a new card. 

In XXXX, I received a message denying my claim. ( see attachment BoA 4 ). The reasoning is that the merchant provided documentation that I received the merchandise or service. I found this odd since Im not disputing that whoever stole my credit card information received the goods they purchased. My issue is that my credit card information was stolen and used. ( The mysterious {$500.00} is also listed in the upper right corner of this letter ). 

I called Bank of America and requested that they reopen the case and that I receive a copy of the documentation used to deny my claim. They sent the documentation to me ( see BoA 5 ). The documentation lists that the purchaser had my name and email address, which I assume would be part of the banking information stolen from me when they got my credit card number. It also lists an IP address which is in the same county in which I live, but not my IP address. The documentation doesnt provide any information about the two other charges that were attempted on my card or the IP address where those were made. If they came from other parts of the globe, that would lend credence to my issue of credit card theft. Also, this charge and one of the attempted charges appear to be for gift cards, which I believe is a common thing that is purchased in credit card thefts. 

Finally, I received a message from Bank of America telling me that I will be charged for the {$250.00} and that Bank of America has contacted all the major credit reporting companies about the issue ( see BoA 6 ). I have no idea if this is standard when one appeals a decision that Bank of America makes. I am concerned that it could negatively affect my credit rating. ( Note {$500.00} is still in the upper right corner. )

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 2022-05-18
Company: Experian Information Solutions Inc.
State: CO
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:
In accordance with the Fair Credit Reporting act reports on inquiries and account information 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. 

The following inquiries show on my credit reports from Experian, XXXX, and XXXX : Unrecognized Inquiries : XXXX. XXXX XXXX XXXX -- Alleged credit line increase request that was not completed online still appeared as hard inquiry. XX/XX/2021. 

XXXX. XXXX XXXXXXXX XXXX XXXX request on XX/XX/2021 appears twice, when it was only executed once. 

Account I want kept private : XXXX XXXX Credit Card.

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 2023-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Information was reporting incorrectly causing high interest rate on my house loan. When I showed proof of material paid off and sent it they said they would take care of it and never did. I sent Information 3 times XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. No response either time I also simply can not refinance now because the interest rates now are higher than when I first purchased my home. 

Also, the material that was paid off had been paid off for over 2 years ... ..why would they still be reporting a negative balance on a 2 year paid off account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: KEYCORP
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In 2004, I took out a student loan through Key Bank, for XXXX University. After XXXX getting a job, I made payments ( an occasional forbearance or college coursework default ) for about 4 years. Then, after losing a job and becoming late on some payments after XXXX, they suggested I put my loan in my last economic hardship forbearance around XXXX ( 6 months of no payment ) I agreed. The next month I got another bill. They said they back dated my forbearance and I still would need me to pay for the rest of the loan, monthly, starting the same month I applied for my forbearance. I knew I had been taken advantage of but could not do anything. They called reguarly for another month for money ( that I didnt have since being placed on unemployment ) and after not having a payment said they were going to charge it off, unless I came up with 10,000 dollars. They hit my credit report the whole time and have since then put the charge off date as late as possible to stay on my credit report as long as they can ( I diputed them and have to write each agency to update information ). The money I paid did n't account for anything, the last of my XXXX forbearances did not count and from the time they said it was charged off to the date on my credit report was wrong. For the past 2-3 years it has hurt my credit and will continue too, for XXXX more. I XXXX when I was XXXX, had XXXX okay job, from college, that did n't fit, now, I am XXXX, trying to be a XXXX, that at XXXX, will not have a chance at a house, business or car loan for at least a half of a decade!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have credit freeze on my accounts and and I recently got both a target credit card and a XXXX XXXX  card in the mail that I never applied for.. My wallet was stolen back in XXXX of this year and I froze everything because she has my ID my social security number and all of my credit cards. She has since opened a few new credit cards in my name and what really irritates me is that she's probably opening them over the phone, because she has my ID and I'm sure she looks nothing like me so she's not doing it in person I'm wondering why these stores are allowing her to open these when my credit is frozen? I have an active police report case number already too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/202XXXX 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-06-02
Company: EQUIFAX, 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 information incorrect

Complaint:
Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX. Account XXXX XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, XXXX  reports as CO, and Equifax reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: IA
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:
Previously paid a debt on card on XX/XX/XXXX the creditor had told me if paid it will be removed entirely during our phone conversation which was recorded by then, 5 months and this still didnt resolve, no letter and still showing up. So I sent a dispute and now I have a charge off showing up dated XX/XX/XXXX. Called XXXX XXXX XXXX XXXX and they told me theyre not reporting it that they filed to remove while experian is showing they reported it as a charge off, they began laughing because I asked for it to be mailed that we agreed on pay to remove and they said ok. Experian will not allow me to re dispute.

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 2021-02-12
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The home was listed with a realtor on XX/XX/XXXX. The mortgage company was made aware of the listing and it was turn-key ready to go. There was an offer by XX/XX/XXXX, but the mortgage took longer than the 30-day purchase agreement to reply, answer the realtor about the sale. The buyer backed out of the sale. Then Covid slowed all possible buyers and things slowed way down. Second buyer XXXX XX/XX/XXXX, short sale process, it honestly took until late XXXX to get a sale closing date of XX/XX/XXXX. I was so ready to be done, I wasn't going to walk away with a pocket of money but I would have just walked away. I stopped making payments in XXXX of XXXX the mortgage company was fine with that as long as the plan was to sell the property. I have been living with my daughter and her family since XX/XX/XXXX and sole property caretaker of the " listed home '', tending the lawns, shoveling and general upkeep of the home and utilities being paid on time, and checking every day as this home is in MN. As I write this it's -4 with a feels like even colder. So, I'm worried about the water pipes and the furnace failing. Then, something else happened just before the closing date, the buyers lost their jobs and financing. NO sale happened. The realtor had stopped showings and restarted again square one. She honestly has worked super hard on this sale and tried multiple things and every time the mortgage company withholds information that is needed to make the sale. Then, on XX/XX/XXXX, she sent me a document stating that the buyer backed out of the sale entirely because they can not secure financing because they haven't been able to secure a job anywhere because of Covid-19. The same day the mortgage notified me that the home is being foreclosed on because of nonpayment. Is there anything that I can do? I'm XXXX and I'm not ever going to be able to fix my credit to be able to buy another smaller home for myself to retire in. I've spent 25 years of my life trying to keep my home beautiful and kept. To lose it like me is devasting to me. I've been helping my daughter with the bills and trying to keep this house kept. Do you have any help for me? Please help me to save my credit and dignity.

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 2023-09-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank has called 6x from XXXX XXXX  to XXXX. This occurs daily. And number of call sometimes reaches XXXX  or XXXX  They call me cell during working hours which has interfered with my employment They called 2x in an hour- Pay for violating law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
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:
I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 non-monetary relief