BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
To whom it may concern, We need further help in regards to this ongoing issue. During XXXX year 2022 my husband lost his job due to the whole company having to close, he was out of a job for several months, lead up to us asking Mr.Cooper for help around late XX/XX/2022, they informed us that we can qualify for the CARES act at the time, and we could PAUSE our payments up to 12 months. We immediately signed up, due to being first time home buyers and very scared of the XXXX foreclosure word. 
They said over the phone we would have several options available to us when we decided it was the right time to reinstate our paymeyments. We " Paused '' our payments for roughly XXXX months, the first time I called to reinstate payments they stated I could make the lump sum payment of the balance or they could modify my loan. I asked what happened to my other options, Particularly the option of taking my mortgage balance and adding it back to the end of the loan. That option was verbally spoken to us when we intially enrolled in the CARES act. 
The answer given was that the CARES act has ended via the VA, and I no longer qualify for that option. I then said " I wasnt notified that the program was coming to an end in anyway '' I felt trapt We had several phone conversations about this issue, I was brought into this agreement with options to included adding my balance on the the end of my mortgage and now those options were no longer " Available '' to me and not one person called/email/written notice that the options they gave were coming to an end. 
So now the options were to PAY the $ XXXX upfront or modify our loan .... we felt forced to enter into a forbearance plan, and modify our VA loan to almost triple what we were initally paying our mortgage payment is now almost {$3500.00} a month! 

WE were going to XXXX it up and really cut our family expensive and just try to pull through until I did some digging. 
XXXXUnder that CARES act was it not unlawful for MR.COOPER to ask us to repay the lump sum of $ XXXX back because we our using the XXXX  XXXX? 
- I also have since the intial complaint filed by my husband complaint # XXXX, that this is an issue that isnt effecting only us as MR. Cooper customers . It has made news headlines! 
As of XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX are in the foreclosure process because of this issue and nearly XXXX more are delinquent. 
Fortunately we are not in those specific numbers but this issue has caused my family FINANCIAL HARDSHIP and turmoil as well as EMOTIONAL hardship as well. 

WE only want it fixed, we want that intial option back : the option to add whatever we accrued during the CARES act pause added back onto the end of our mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Please immediately REMOVE the following INQUIRIES from my XXXX credit report as requested by XXXX on XX/XX/XXXX and Capital One on XX/XX/XXXX. Letters attached. Thank you. 

XX/XX/XXXX Capital One Bank USA XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: OneMain Finance Corporation
State: NJ
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:
I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX XXXX XXXX  and they recommended to file this complaint here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions 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:
I am contacting you regarding the XXXX XXXX # XXXX, # XXXX accounts. This is my third request. For the first and second time company did not provide me with the following : Explain and show me how they calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

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 2023-07-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I sent a message through the Webster Bank XXXX asking what I needed to do to close an account. They said just to transfer the money until it is XXXX and then send a message like I had to close it. I sent a message on XX/XX/XXXX to close the account as the balance was XXXX and the bank didnt do it. There was a recurring charge from an account that XXXX cant close and the bank paid it on XX/XX/XXXX and charged me an overdraft fee. I called them because this shouldnt have happened and they said to pay it and then call back. I requested a transfer from their own website that same day that I called which was XX/XX/XXXX to cover the charges. Then there was ANOTHER overdraft fee on XX/XX/XXXX. Again I called them because this account shouldve been closed and the money was already transferred. They told me they didnt see it and therefore, cant close my account. I again sent another transfer for {$35.00} to cover that second overdraft fee and today I called, asked the representative if she saw that my account was at XXXX and she said yes. So I asked her to close my account and she said I had to go to the center. I told her I live in Virginia and there is no banking center near here, only in New York and previous reps told me I could message or call. Then she said that my balance wasnt XXXX and that I still owed the {$35.00}. I asked to speak to the XXXX by the name of XXXX, who I had already spoken to on the XXXX and she refused. I cant close this account and they keep telling me different things and keep charging me for things when this account shouldve been closed already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2024-01-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is from a house are used to own. I got a divorce and the judge awarded the house to my x wife. I did a quit claim deed and the debt was taken off my credit report back in 2021 and now its back on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My XXXX insurance is paying my truck payment and every three to four months I have to get paperwork signed by my doctors. I had an appointment with the doctor in XX/XX/XXXX and my next appointment could not be scheduled until XX/XX/XXXX. I contact my insurance company to tell them my next appointment but I had to get documentation signed by my doctor after XX/XX/XXXX. Fifth 3rd bank contacted me in XX/XX/XXXX and I explained that my next appointment wasn't until XX/XX/XXXX. They said okay we will notate this in our notes but I will be contacted in two weeks again. I was contacted again and I explained the same information to collections. On the XXXX of XX/XX/XXXX, I saw my doctor and discussed XXXX XXXX XXXX XXXX in the near future and got my documentation signed and submitted to my insurance company and the insurance company submitted payment to Fifth 3rd bank on the XXXX of XXXX as my payment is due on the XXXX of each month. I contacted the Fifth 3rd bank after discovering that I had missed payments on my credit report. I explained that the payment had been sent to the collection department and they stated that they did not make that report, but customer service filed the report. I asked them did they file my corresponding in my file. They explain yes but customer service and collections do not contact each other or correspond with each other on accounts. I ask what can I do to get the report removed and was told to contact customer service and they can remove the false reporting and that was on XX/XX/XXXX. They then transferred me over to customer service and I explained the situation and the agent explain that she could remove the missed payment but it had not posted yet so wait until it does and call back. On the XXXX I called back and was told that I was in delinquent payment and it will not be removed from my account. I explained that the payment was sent on the XXXX of XX/XX/XXXX and there has been a delay in the mail. I asked to speak to a manager named XXXX ID # XXXX and explain my situation again and the manager stated that a phone tract will be conducted to prove my statements and he will contact me on Thursday the XXXX of XX/XX/XXXX. On Thursday I received a call from a young lady calling for XXXX that he said that my account will remain delinquent even though my account was paid up because they had received payment. I explain and said that was not fair for me to have an account in delinquent and the account is paid up. I told them I would report this matter and now I'm submitting this report. My insurance has been paying for this account since XXXX with no problems until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My University Accounting Service LLC 's ( " UAS '' ) account number is XXXX. 

On, or about, XX/XX/2021, I mailed my loan cancelation form to UAS. Thereafter, I contacted UAS multiple times to ask for an update regarding my cancelation application and was told, " they have not received my application. '' I kept calling back and finally in XXXX, UAS said they received it. All this time, UAS told me, multiple times, to not make payments as it would backdate my account and make it current. I, also, noted on numerous occasions that I was worried my account would be too delinquent and asked for it to process my loan cancelation application promptly. It refused to do, and it stated that it would make notations to the account that it was still processing my loan cancelation application. 

On XX/XX/2021, XXXX emailed me and said that it needed a " certification of employment '' from my previous employer. Not even 24 hours later, it mailed me a notice saying that it was denying my loan cancelation application because it was incomplete ; it had not given me ample time to send in a response to its XX/XX/2021 email. I sent the " certification of employment '' and asked UAS to confirm receipt ; it never did. And so, I called it to check on the status. During this phone call, I was told that it never received it. I, also, was told -- despite asking for, and never receiving, a clear directive as to what it wanted to be included in the " certification of employment '' -- I need to update my letter to included the fact that I was a full-time employee during my tenure at my previous employment. Apparently, UAS was too bothered to look at my previous submissions of employment to show that I was a full-time employee. 

Putting aside my ever growing rage for the incompetence mill that is UAS, I did all of this and it finally sent me a email confirming receipt of my " certification of employment ''. Again, UAS kept telling me that I need not make payments to my loan because it will backdate my account and I should not worry. Well I am really worried, because its lack of action has real word consequences as I am currently delinquent on my payments and it is showing up on my credit report. 

Moreover, on XX/XX/2021, I received a letter from the loan provider and my XXXX matter, University XXXX XXXX XXXX ( " XXXX '' ). In the letter XXXX, threatens that if I do not bring my account current that it will take negative actions against me. I worry that, even though I am doing what I am supposed to be doing, UAS is going to cause my account to be charged off and XXXX is going to take legal action to collect on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again : XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
There was 12 purchases made to my Netspend debit card that I did not make or authorize. All the purchases were made on XX/XX/XXXX at places located in XXXX Ohio. All of these charges were made in succession, and for around {$500.00} each. Total amount was {$4700.00}. Purchases were made until my account was empty. I live in XXXX Ohio. I don't travel. I have never given anyone permission to use my card. I believe my card was copied then used to steal my money. I had just taken out a loan to buy a vehicle when this happen to me. I was at the dealership on XX/XX/XXXX when I found out my account was empty. I called Netspend immediately and told them about the illegal transactions. I did exactly what they said to do, I filed a dispute. It took 10 business days to find out that they denied my dispute! They said that no errors were made! They said their decision was final and the dispute was considered closed. I talked to customer service and told them I wanted to appeal their decision, but they said I couldn't do that until I got the decision in the mail and had to first ask for a copy of their investigation report. I requested the report right then. I still have not received any report. 
On XX/XX/XXXX, I found out they closed my account without notifying me! This caused severe financial hardship. I just lost XXXX, all my money on XX/XX/XXXX and had no money until my XXXX check was deposited on XX/XX/XXXX. Then they closed my account and I was with no money again! This cause so much hardship. I'm XXXX and so is my XXXX yr old daughter. I had to wait XXXX business days to get the check in the mail. Then I had to open a new bank account to get my XXXX checks deposited into. I went to a lawyer for help. But I'm also filing complaints where ever I can because they have uprooted my whole life. They shouldn't be able to do this to people. I have to pay a 5 year loan for those funds that were stolen. Please help.

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 2022-02-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX XX/XX/2022 I called into the dispute phone line for Experian. I managed to get them to recognize all the documents I had submitted via online disputes to get them to change my name to the one in the court order. The problem is that when the customer record name was changed, the underlying records were not. So 40 years of history has been dropped and I now have no credit report whatsoever. Your dispute center employees can see the attached records, such as the one for my mortgage through XXXX. Its just that nothing comes through when anyone, such as XXXX XXXX  pulls a credit report. I'm XXXX XXXX XXXX and I have not been XXXX  for the past 40 years. 

I am currently trying to refinance my home, but since XXXX uses Experian and they can't pull anything for me, I can't get my loan. I also can't get solar panels for the home. I also can't get any new credit cards, to say transfer the XXXX balance I have. So this mistake on their part is having direct negative consequences for me. 

And I want to hear from an actual human being on this case.

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 2023-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent a number of dispute letters with documentation to all three credit bureaus. Asking to remove the unauthorized inquires my first set of letters went out XX/XX/XXXX second set XX/XX/XXXX each set was tracked as received and confirmed by the credit bureaus however nothing has been done. Please see the following credit inquiries below to be removed CAXXXX 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I spoke with a rep from collection agency informing them of debt not being owed. I also had XXXX on the other line which said the account was never sent to an agency as it was paid in full at the time of disconnection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation