BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX  APP is inaccurate incomplete and inconsistent because balance owed and payment history within 24 months are different with both TransUnion and XXXX I have sent in disputes requesting the CRAs to validate the information and delete the information that does NOT MEET THE FCRA REQUIREMENTS I HAVE SENT ALL CRAs a copy of what is being reported to all three of the CRAs and the only CRA that has complied with the FCRA laws and my right to a Fair accurate consistent and complete credit report was XXXX. They deleted the account due to the factual information being incomplete and inconsistent and inaccurate. I have been harassed at home at my place of business after sending a ceased and desist letter email and verbal warning to collect a debt that has NEVER BE FULL VERIFIED PROPERLY by both TRANSUNION AND XXXX and HAS ALLOWED THIS CREDITOR TO CONTINUE TO REPORT ILLEGAL INFORMATION PAYMENT HISTORY AND BALANCES WITHOUT DOING A PROPER INVESTIGATION BOTH CRAs has a known history to not properly complete a full investigation of what the creditor is reporting and I am a litigation consumer and I will seek legal action if this matter is not resolved. i am requesting that this item be DELETED PERMANENTLY Enclosed is documentation supporting my request : DISPUTE RESULTS FROM XXXX AND BOTH REPORTS AND BALANCES IN WHICH BOTH CRAs statements the balance was updated back in XX/XX/2023 FCRA Violation 15 U.S.C Sec 1681i ( a ) Consistency Accurate and complete information should only be report the the CRAs by law anything that is not consistent complete or inaccurate is to be PERMANENTLY DELETED 15 U.S.C Sec 1681i ( a ) THIS ACCOUNT IS IN VIOLATION OF THE LAW DELETED PERMANENTLY this negative item does not meet the FCRA Requirements Please reinvestigate this matter and delete the disputed item 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I severely injured my XXXX XXXX in XX/XX/XXXX which caused me to miss months of work. I contacted Prestige to see if I could get my payments lowered due to my hardship and I never received an answer. I received a message XX/XX/XXXX from XXXX stating I had until Friday XX/XX/XXXX to either make a payment or make arrangements or the account would be transferred to the recovery department and would be picked up. The vehicle was repossessed on XX/XX/XXXX. I spoke with the repossession company because I was told nothing would be done until Friday and I was told that Prestige contacted them weeks ago and put the order for repossession in which is not what I was told. I get paid Thursday and they knew this and I planned and making the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been employed by an agency that counts towards the PSLF since before I even started my degree program. Currently Mohela says that many of my payments do not qualify for the program. I'm not sure how they can say this as my employment has been with local government for the entire time. When I reached out to Mohela the only response I get is that they are experiencing a high volume of inquiries and I will be notified when they get to my questions .... It's been over 9 months now and still no answers. When I call, I go through a phone tree then on hold for an eternity. I don't have time to sit on hold all day just to sit on hold and never be addressed. This company needs to be fired and stripped of their ability to handle student loans!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2023 I received a Money request for XXXX to my venmo account.The message read " At the store i left my wallet at home I'll send it back as soon as i get home " The profile showed My sisters name and photo it was listed as payment between friends. I sent the money thinking it was my sister need groceries. 30 minutes later My sister arrived to my house showing me a post on XXXX. The post showed this same message going around town. Fake profiles of family or loved ones asking for money thru Venmo. I called the bank right away to dispute they advised do to Venmos terms of use they could not assist me with returning the money. Photos will show the fraudster is listed as a friend of mine. They are not on my friends list of contacts this is a Venmo error and should hold them selfs and scammers accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: CITIBANK, N.A.
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:
On XX/XX/21, I filed a complaint with the CFPB about a credit card dispute that Citi dropped the ball on. A few days later on XX/XX/21 around noon Pacific time, Citi called the merchant at the center of the dispute. On its face, it shows culpability as my underlying complaint was that Citi never even sent my dispute to the merchant. Citi never, ever contacted the merchant about my dispute. My complaint this time is about what Citi did next. 

When Citi called the merchant, XXXX XXXX, they spoke with XXXX. The guy from Citi didn't ask her anything about the dispute or my CFPB complaint. Instead, the guy from Citi violated my privacy by aggressively asking XXXX if I had completed by XXXX course at XXXX XXXX. XXXX answered in the affirmative before the Citi guy abruptly hung up. 

They had no right to do what they did. They had no reason to do what they did.

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 2021-10-08
Company: Professional Debt Mediation, Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX I mailed a certified dispute letter to PROFESSIONAL DEBT MEDIATION and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 100 complaints on XXXX they also have over 600 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our house was built in XXXX. We refinanced our house in XXXX of XXXX for the purpose of cutting monthly expenses. Our interest rate wasnt bad. They used our closing tax amount ( taxing land only ) for our projected taxes on our refinance. The document they received from the title company clearly states that the value of the taxed property is {$39000.00} and the person named is the name of the land developer who owned the parcel before our home was built. The amount used was {$420.00} and should have been approx {$1400.00}. According to the TRID rule, the mortgage company is not held liable for the taxes changing, but the amounts projected should be based on factual and reliable estimates. There is no circumstance where a {$39000.00} parcel of land would be an accurate substitute for {$250000.00} home. As a mortgage company, I put the responsibility on them to make sure the amounts seem accurate, which a quick look at the county tax info and our home value should have told them it wasnt. Or even reading the details of the document they were using which clearly states that the amount listed is land value. 
We made payments for four months at the quoted new payment amount before we were notified that the escrow account was insufficient and they would be adding on to our monthly payment temporarily for the error and long term to maintain the higher amount. 
Because of this error our payment is now UP approx {$160.00} per month and once escrow is recovered will only be approx {$30.00} less than our original payment ( before refinance ). Of course we wouldnt have refinanced to save approx {$30.00} and they also added approx {$5000.00} in fees back into our loan. 
I called the customer service and spoke to escrow, who then directed me to refinance. The refinance dept tried to claim they had done nothing wrong and could do nothing else, but said they would check with another department and get back to me. The refinance dept supervisor called me back to say he had spoken with the escrow and consumer services departments and they also believed there was nothing they could do at this point. 

I am reporting them because I feel like this is either negligent or fraudulent business practices to get customers to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On the afternoon of XX/XX/, I was bombarded with an insane amount of emails, only to find out later on that this is referred to as e-mail bombing, while something more sinister is happening behind the scenes. Later in the evening I received a text alert from XXXX asking me if I had authorized an {$800.00} payment. I went to my online account and saw that there were in fact several ( XXXX ) unauthorized transactions to XXXX. I immediately called XXXX and informed them as to what was happening. They cancelled the debit card and transferred me to the fraud department. Needless to say my bank account was totally drained and it even went into overdraft. XXXX assured me that they will do their best to investigate and come to a resolution. After a week of waiting and no updates, I called XXXX on the morning of XX/XX/2023. They informed me that they had finished their investigation and that my claim was denied because the payments, all 18, were processed and issued to a third party merchant, in this case, PayPal. XXXX said that I needed to contact PayPal and seek a resolution about getting my funds returned. I called PayPal on three different occasions, each time speaking to different people, and each time I gave them all the information from the XXXX transactions. PayPal kept saying that they can not find the transactions in their system so they can not do anything and that I needed to go back to XXXX. Basically I was being ping-ponged back and forth from PayPal to XXXX and vice-versa. I can not understand why PayPal says that they have no records of the transactions because from all indications PayPal was the recipient of the 18 transactions. In all there were 25 transactions to PayPal at the time when the incident was occurring. Four of those were rejected and three cancelled. While speaking to the last XXXX fraud specialist, I was told that part of their thorough investigation would have been to contact the merchant ( PayPal ) and verify the transactions. When I called PayPal there were none of those 18 transactions in their system? My position now is that my bank account has been wiped out, XXXX tells me that they transferred the money and they have the proof of payment receipts to show it but it seems like the onus is now on me to figure out where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$30000.00} ; XXXX  XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}.

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 2023-04-14
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 discovered that the account on my credit report was incorrect when I reviewed it. The 3 credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and fixed : 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 2023-02-08
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I don't have all the details about the account. The Bank is Regions the account was opened some years back by a female acquaintance at I had at the time I was unaware of the account and filed a police 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 explanation
Consumer complaint received 2023-02-02
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:
My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX, GA XXXX My only employer is XXXX  XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.

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 2021-10-07
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was behind with my mortgage payments and applied for a modification. XXXX/PHH Mortgage XXXX offered a modification plan with a trial period. I never received the modification offer, but I made each of the 3 trial payments as scheduled. When I asked a acct specialist about the details of the modification, they responded by telling me I should have recieved it after I completed the trial payments, which I had not. The acct specialist also relayed to me that my other option was to get on a payment plan, which would require {$3000.00} down and an additional monthly payment of {$940.00} for 5mos, and my decision should be made by XX/XX/XXXX. I received the modification on Saturday XX/XX/XXXX. On Monday XX/XX/XXXX I called and spoke with agent ID XXXX  @ XXXX to inform the mortage company that I will not be accepting the modification because it would be adding over {$55000.00} to the end of my balloon payment at the end in XXXX. Instead, I decided to get on the repayment plan, and pay the down payment of {$3000.00} and the additional {$940.00} for 5mos. He was not able to set up the payment plan because they have the modification on my file. I called today XX/XX/XXXX and the acct specialist -agent ID XXXX  was still unable to set up the payment plan because the modification is still on the account, and said that underwritting has to remove the modification before the payment plan can be set up. I tried to make a {$4000.00} payment today ( XX/XX/XXXX ) via phone and online, and it will not allow me to make any type of payment. I am concern with my home being forclosed upon because of lack of assistance and delay in trying to set up this payment plan. It seems a bit supicious that I can't set up this payment plan which is one of the options available to me according to their acct specialist. I just want to enter into this payment plan and secure my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was XXXX balance and I never missed a payment. Please update it immediately. 
XXXX  XXXX XXXX Balance : {$0.00}

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 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Morning, My name is XXXX XXXX, phone # XXXX, email-XXXX. 
Ocwen Mortgage Loan # -XXXX and XXXX XXXX Loan # XXXX. 

I am currently on XXXX  XXXX with a fixed income. I have completed a Loan Modification with my previous mortgage company ( Ocwen Mortgage Services ) and a decision was made which I accepted due to not wanting to lose my house and also did not completely understand their terms and conditions. However, I was concerned with the huge difference with the mortgage principal and contacted Ocwen immediately. A representative told me to provide document indicating the difference. I was not able to locate the document immediately and when I did, Ocwen eventually sold my mortgage to XXXX XXXX XXXX effective onXX/XX/XXXX. I contacted XXXX XXXXXXXX XXXX and provided them with the1098 tax form for the year XXXX that I received from Ocwen Mortgage Services. The XXXX tax form from Ocwen indicates- Principal balance {$270000.00} as of XX/XX/, while XXXX XXXXXXXX XXXX indicates- {$400000.00}. The modification agreement also indicated-balloon payment in the year XXXX of {$290000.00}. There is also an adjustable rate.I have Attached copies of the Loan Modification documents that I requested and received from XXXX, the 1098 tax form for the year XXXX, XXXX XXXXXXXX XXXX   monthly statement, and the letter I wrote to XXXX regarding the huge difference in the Principal balance. Please help with this issue, this is all I have. 

Thanking you in advance. 

Looking forward to hearing from you.

Company response to consumer: Closed with explanation