BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The MrCooper ( FKA Nationstar Mortgage ) website has been a real problem for the last few months. I have been trying to use it to submit another Covid 19 pandemic relief mortgage forbearance request covering XXXX and XXXX of 2021. However, there is absolutely no way for me to get through their " wrong password '' and other attempts to log on. 

The last time I was logged on to MrCooper.com, there were no tabs or areas the consumer could use to submit a mortgage forebearance request. Instead, I had to use their " contact us '' button to manually type out in the mortgage payment forbearance request in my own words. Then I somehow got logged out and must have used the wrong password guess a few times after getting logged out. Going through all the various hoops for setting a new password, the new password ultimately obtained did not work to open their portal. 

Finally, on XX/XX/2021 I used regular USPS Priority Mail to send them the mortgage payment forbearance request, for which I have a tracking number. 

This is a concern because there is no telling how many homeowners are being cheated out of their rights by this company 's website failing to work properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, 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 Account # XXXX and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602. A. STATES I have a 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 1681C. ( A ) ( 5 ) SECTION STATES : No consumer reporting agency may make any consumer report containing any oof the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated.

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was attempting to make several credit card payments to my credit card ending in XXXX to Citicards through my checking account with Citibank ending in XXXX. 
I did these payments on XX/XX/XXXX th XXXX th and XX/XX/XXXX. On XX/XX/XXXX th found out that the payments didn't go through because they couldn't locate my bank account number. I asked why no one got in touch with me sooner so I could make the payments another way but wasn't really given an answer. Anyway got in touch with Citibank and was told that there was a technical glitch and an additional number added to my account by accident. I explained that to Citicards but they proceeded to close my credit card account and then closed my other two credit card accounts with citicards. I have not been able to open another credit card with Citicards and have tried applying for a card XXXX XX/XX/XXXX and was rejected. I have paid everything I owed at the end of XXXX which wasn't even due until the end of XXXX. There is no legitimate reason for citiicards to reject my request for another credit card. In the past I've always been successful making payments using Citibank app on my XXXX and tried to explain that I did not make any payments where I have had to enter my routing number or bank account number but they refuse to believe that the bank made an error and Citibank continues to take any responsibility for this error. I already accrued XXXX miles with their credit cards. If you need any other information please let me know. I have a fourteen year relationship with Citibank and the i credit card company and in that time have never had anything like this happen. I also have a XXXX credit rating with the three credit bureaus because I always pay my bills early but always when then ate due. The three payments amounting to {$380.00} weren't even due but had texted money so decided to pay off part of my {$850.00} balance early, something I do On a regular basisa If you require further information please let me know. 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 explanation
Consumer complaint received 2023-12-05
Company: EdFinancial Services
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a complaint pertaining to a student loan I did not take out. The loan has transferred through multiple companies in a short time and it is currently held by EdFinancial. The complaint was submitted on XX/XX/2023 and their response was due on XX/XX/2023. I have received no response, and I am still receiving billing statements saying that the first payment is due on XX/XX/2023. I have worked hard to achieve a good credit score, and I fear that not making a payment on this loan I did not take out is going to impact my credit score. I am also a federal law enforcement applicant, and having unresolved debts negatively impacts my ability to get hired. I have been trying for six months to get this issue resolved with no response whatsoever by this company. 

Original complaint ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Update to my prior complaint ( XXXX ) - company has still not responded. I was able to determine my payment will rise when my next property tax disbursement is made in XXXX. My prior payment was {$1800.00}, my new payment is {$1600.00}, now my payment will be {$2100.00} unless I pay {$3100.00} in which case my new payment will be {$1900.00}. Pretty clear isn't it? I spent an additional XXXX XXXX on the phone today trying to make heads or tails of this, but still no definitive answer. My property taxes have not changed, my insurance has not changed, the only change is with this mortgage servicer. 

Additionally, my property insurance is information is not listed on their website, instead it states : " Your information is outdated and/or we are missing your insurance information. Please update your information. Please note Lender Placed insurance XXXX be effective soon. '' Additionally, a payment from my escrow was made in XXXX for {$3100.00}, which also led to an " escrow advance '' of {$1000.00}. My property tax disbursement should have been {$2800.00} and change. If there is a penalty it should be due and paid by LoanCare, since I had plenty of funds in escrow prior to them sending me {$5300.00} as a refund of overpayment. 

This company should not be allowed to purchase large numbers of existing loans unless it can demonstrate it has the infrastructure in place to transition those accounts seamlessly. It has shown a lack of concern for me and other similarly situated. I am concerned as to how this is going to impact the thousands and thousands of other borrowers whose accounts were purchased by Loancare. I'm sure I'm far from unique. 

If other consumers received large checks from their mortgage company, they might have assumed these funds were due to them and spent the money. It is quite concerning and will likely lead to defaults and foreclosures. At the very least, their payments will rise considerably when it is time to pay their tax installments. 

This problem is much bigger then me. Something needs to be done right away.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been a victim of identity theft and I have a lot of accounts on my report that do not belong to me and its taking the bureaus more than 30 days to remove the accounts. The accounts are not accurate and do not belong to me. No one is submitting this on my behalf. It is I, 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
Consumer complaint received 2022-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
FOLLOWIN UP ON COMPLAIN # XXXX XXXX. 

BANK OF AMERICA HAVE RESPONDED TO TELL US THAT THE ISSUE IS NO LONGER THE RESPONSABILITY OF BANK OF AMERICA BECAUSE THE LOAN IS NOW AT XXXXXXXX XXXX 

BANK OF AMERICA IS LIABLE FOR THE DERAILMENT OF THIS LOAN DURING THE FINANTIAL CRISIS OF XXXX AND BEYOND. 

WE ARE SEEKING COMPENSATION FOR THIS FINANTIAL INJURY. 

DURING THE DECADE OF XXXX AND BEYOND WE APPLIED MANY TIMES TO BANK OF AMERICA FOR A LOSS MITIGATION SOLUTION. 

BANK OF AMERICA FAILED TO DELIVER. 

OUR APPLICATION FOR LOSS MITIGATION WAS STUCK FOR YEARS IN BANK OF AMERICA FILES. 

PROCRASTINATION WAS THE NAME OF THE GAME. 

NOW IS THE TIME TO FACE THE MUSIK. 

TIME IS OF THE ESSENCE. 

WE ASKING FOR JUSTICE. THATS ALL WE WANT. 

THANK YOU, 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 2023-03-01
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX IS NO LONGER CLIENT OF IC SYSTEM, INC THE ACCOUNT HASBEEN PAID IN FULL, IC SYSTEM, INC. IS STILL REPORTING THIS TO MY CREDIT EVERY MONTH AS IF I JUST PAID THIS ACCOUNT. ACCOUNT WAS PAID IN FULL XXXX XXXX. WHEN I CALLED ASKING WHY ARE THEY STILL REPORT TO MY CREDIT REPORT. THE REPRESENTATIVE WAS YELLING AND TELLING ME NOT CALL THEY NO LONGER HAS THE ACCOUNT. THEY NO LONGER SERVICE XXXX XXXX. THEY REFUSE TO REMOVE OFF MY CREDIT REPORT. I CALLED XXXX XXXX I HAVE RECEIVED RESPONSE BACK AS TODAY, I BEENDEALING WITH FOR TWO YEARS OR LONGER. THEY ARE STILL REPORTING AS XXXX XXXX AFTER IT WAS PAID XX/XX/2020 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 2021-10-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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:
I was a co-signer on the loan. This car was for my niece. She had an accident and did not want the car and stopped making the payments. I had no idea any of this happened until the company started calling me. My sister contacted the company and told them to come get the car. They did not go get it. My stepfather took the car back to the dealer and they would not take it. The dealer is now out of business and the car has been in the same spot since. 
It has been almost 4 years and this is still on my credit report and is the ONLY thing blocking me from buying a house.

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 2020-04-13
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought house last year from XXXX, initially financed by XXXX XXXX. 
I put down 20 % down payment XXXX then transferred loan to Loancare LLC who then charged me extra {$500.00} a month for escrow. Meanwhile, I am already paying {$500.00}, thereby making it a {$1000.00} escrow payment each month. 
The company hasn't given me a proof as to why are they are justified to collect 2x my escrow amount. 
I have called the company 4 x and gotten conflicting information. One of their agents was surprised this was going on with me and the company wont let me not escrow my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My complaint is in receiving a stated bonus for opening a checking account. After completing all the requirements a bonus of XXXX should have been paid on XX/XX/XXXX. After a Number of calls and speaking to a number of representatives in many departments and always getting a different story leaves me no choice but to file a complaint. Could this offer be a scam? My offer number is XXXX, and the account was opened in 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 monetary relief
Consumer complaint received 2021-01-05
Company: SYNCHRONY FINANCIAL
State: OR
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:
Synchrony Bank Amazon.com card. ( hereinafter SB ) This account was closed in XXXX of XXXX due to fraudulent charges being made on the card. I contested the charges ; the account reflected credit balance of {$89.00} on the XX/XX/XXXX statement, SB sent me a refund check of {$89.00}. I considered the matter closed. I did not use the account again. 
On or about XX/XX/XXXX, I received SB 's closing statement, reflecting a balance of {$46.00}, with very similar charges to the prior fraudulent charges.I ignored this statement, assuming that it was in error. 
On or about XX/XX/XXXX, I received another statement from SB, now reflecting a {$73.00} balance, including late fees. 
On XX/XX/XXXX, I wrote SB, and stated that they were in error, the account had been closed, I had not used the account, and that they had unilaterally re-opened the account without my consent. I advised SB to permanently and irrevocably close the account. 
On or about XX/XX/XXXX, I received correspondence that SB was " looking into your account, and that it may take one or two billing cycles to respond to me ''. 
On or about XX/XX/XXXX, my FICO score dropped over 100 points, from approx. XXXX to XXXX, due to adverse credit reporting by SB. 
On XX/XX/XXXX, I wrote SB, summarized the aforementioned events, and advised them that their actions had now caused me actual and significant damages. I am attempting to purchase a real property, their actions have negatively affected this transaction.

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 2023-08-28
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime allowed several unauthorized transactions to take place from my checking account in one day. On XX/XX/XXXX A friend sent me XXXX for rent like he normally does each month and on the XXXX the money was sent to a person that showed up as a XXXX XXXX someone I do not know nor did I authorize rhe transaction and while explaining to the repesentitive what had taken place another unauthorize transaction took place while on the phone with them. First I had XXXX in the account before the XXXX rent deposit then it showed XXXX entering and leaving my account at the same time. I learned that my friend who sent the rent payment haf received a phone call from somebody stating they were a chime supervisor verifying a request I made for the funds he had already sent the day before. I dont know how they are able to remove funds from all these accounts without the account holder 's petmission but they are and how Ironic, no one ever get there funds back in the account. I was left with XXXX XXXX in my account without any explanation. They ate telling me it will take until XX/XX/XXXX to investigate however I believe they are trying to get rid of the proof they are a crupt business. This is so horrible that nothing is done about this company. I explained I didn't know the people or the phone numbers that showed on my phone and I was unable to denied the transferred transactions. The unknown numbers were XXXX and XXXX. Something is very wrong with the operations of this CHIME BUSINESS and they need to be investigated ASAP. I'm on a fixed income and there is no way othis gods green earth would I leave myself XXXX XXXX when I get paid once a month. Whoever is behind these schemes knew exactly what I had in my account. What a horrible experience. Who else can we seek help from with catching these crooks. Times are extremely to hard for people to be blatantly taken advantage of. Really you mean to tell me Nobody was awarded their funds back. This is unacceptable and should not be allowed. Help us all Please! Read the reviews about these people. I simply want my money back and no further dealings with these people. They are closing people accounts after a dispute is filed and no one ever get their hard earned money back. They will have to answer to God about Stealing!!!! He sit high but he is definitely sees Low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYST claims I have a debt with XXXX XXXX and I don't have and never have had a XXXX account. I have been an XXXX XXXX XXXX customer for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NY
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:
As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd like this account to be corrected ASAP : 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