BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I made two on-line payments to pay off my mortgage. The first payment was for {$57000.00}, which was just below the mortgage company 's policy limit of 95 % of balance for on-line payments. The second payment was for {$3900.00}. Both payments were accepted by the mortgage servicer and withdrawn from my bank account on XX/XX/XXXX. 

Mr. Cooper, the mortgage servicer, applied the second payment toward XXXX 's payment instead of principal only, and thereby made the {$57000.00} payment ineligible for processing because it exceeded their policy of allowing on-line payments for no more than 95 % of the remaining balance. 

After several calls and chat sessions ( all transcripts of chats have been saved ) with Mr. Cooper, I thought we had the problem resolved and the mortgage would be paid off.

By today, the payment should have been credited to my account. Since today is the fifth day after submitting the payments, Section 1639 ( f ) of 15 USC ( Truth in Lending Act ) should apply even if the payments are considered non-conforming by the mortgage servicer.

The payments have not been applied by close of business today. They still show as " unapplied funds. '' Adding insult to injury, Mr. Cooper took funds from my escrow account to make partial -- and early -- payment toward the XXXX payment. In other words, they are continuing to apply principal payments toward monthly interest when the loan should be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good morning, Attached you will find a letter dated XX/XX/XXXX, MOHELA 's response to my previous complaint filed in XX/XX/XXXX. To date, my loans have still not been forgiven. It has been 182 days/6 months since this letter. I reach out to MOHELA on a regular basis regarding the status of my forgiveness, and I continue to get conflicting information. Earlier this year, I was told that my application did not go through until XX/XX/XXXX. I have been told that it could be any day now, and I need to be patient. The most frustrating was when I reached out today and was told that my application was not processed until XX/XX/XXXX and I will have to wait ANOTHER 90 days. When I asked about why this happened, I was told it was some sort of discretionary review by MOHELA. I really do not understand what is going on and why my loans have not been forgiven, and why MOHELA continues to give me conflicting information each time I call or chat. 

I applied for loan forgiveness in XX/XX/XXXX before my loans were transferred to MOHELA from XXXX, so it has been 9 months since my application, and my loans still have not been forgiven, even though I have met all the requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items needs to be removed : XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX  : {$460.00} ; XXXX XXXX  XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$3200.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX {$2700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX {$460.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$3200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$3200.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$1100.00} ; XXXX XXXX XX/XX/2022 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 2023-04-04
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:
Hi, XXXX  the XX/XX/2023 I asked my Friend to send me money so I could cover a bill I didn't have the money for due to be losing my job. My friend sent me the money after I didn't need it anymore because my employer finally paid me what they owned me. 
So I went into the Paypal.com account to refund the {$200.00} back to my friend.

When I clicked on the refund to refund my friend paypal.com went into my checking account and withdraw {$200.00}. 
Paypal.com should have taken the money in my paypal.com that is where my friend sent the {$200.00} and returned the money and they should have not taken a fee if they were going to refund the money. 

Now my personel checking account is overdrawn some {$200.00} plus bank fee of {$36.00}. 

I bank with XXXX XXXX. 

I need the money returned to my checking account at XXXX XXXX, and the money in my Paypal.com account refunded to my friend XXXX XXXX. 

My friend is XXXX XXXX My Paypal.com account is email : XXXX If you have questions please call or write me back. 

my address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
It has been very difficult for me to pay my mortgage by the due date of the XXXX of each month. I make payments on my account every month before the XXXX of the month. Nationstar charges me {$71.00} in late fees and {$9.00} processing fee for the 5-10 days that I 'm late. Currently I owe late fees of over {$500.00} in late fees and I do n't see being able to gather enough income by the XXXX of each month any time soon due to my financial situation/income. So every month to compound my financial struggle Nationstar starts to call me daily starting the XXXX of each month and I tell them that I wo n't be able to make a payment till the XXXX of the month. They call me each day after the XXXX of the month to harass me for this. It is very anxiety proking. So I am charged over {$80.00} and harrassed each month on top of struggling to pay my mortgage. I have been refused for a XXXX loan 4 times because they consider it a XXXX home because I airbnb out my home to help pay the mortgage even though all the utilites are in my name. All I need is to extend my payment grace period to the end of the month so that I can avoid late fees that I simply ca n't afford. My loan ballooned from {$1600.00} to {$1800.00} causing this issue. Also the only option I 've been given by nationstar is to pay extra {$2200.00} for 4 months so that I can pre pay 1 month of my loan adjusting the grace period. That is not a realistic option for me as I 'm struggling to pay my mortgage as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a police report regarding these fraud accounts. They are not mine so please check with department and remove it as Police does not remove the fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-08-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Review the companys response to your complaint.

The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID * THIS COMPLAINT NEEDED INCLUDE MORE INFORMATION!!! THE XXXX XXXX VEHICLE ALSO WENT THROUGH A MAJOR ACCIDENT IN XXXX, XXXX. I SPENT BETWEEN $ XXXX {$7000.00} ON REPAIRS, ( INCLUDING STRAIGHTENING A BENT FRAME ), AND THERE WAS A LAW THAT STATES THAT LEASE COMPANIES CAN NOT SUE FOR THE FULL AMOUNT IF THERE'S A MAJOR ACCIDENT!!!! 
XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a police report regarding these fraud accounts. They are not mine so please check with department and remove it as Police does not remove the fraud accounts.

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 2016-09-09
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a XXXX mortgage loan with XXXX XXXX. The loan changed hands several times and ended up being serviced by Nationstar Bank. In XXXX 2011, I refinanced and rolled the XXXX mortgage into my first mortgage and at the time Nationstar released the lien. I recently discovered that they missed the original lien release naming XXXX XXXX and I 've been working with them for several weeks now to have that release sent to the XXXX XXXX XXXX 's office. Each time I call, they tell me the paperwork is in progress or waiting for signature. I spoke with their customer service rep last week and was told a supervisor would call to update the status of the release but I did not receive the promised call. Nationstar needs to release instrument number XXXX. Since this has not been done and I am not receiving promised calls, I spoke with XXXX @ the FDIC and she suggested I file a complaint with you. Is there anything you can do to get this paperwork finalized for me? I have been approved for an equity loan that is being held up by this lien. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: MA
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 am resubmitting this complaint as a follow-up to my previous communication to the XXXX, Equifax, and XXXX XXXX XXXX the identity theft incident I experienced. According to FCRA section 605b, XXXX XXXX XXXX are obligated to remove and block any unauthorized inquiries listed on an identity theft report. Once again, I have attached the necessary documents to support the blocking and removal of the inaccurate information that has been posted on my report. Below is a list of inquiries that are not associated with me or were opened without my authorization : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Again, according to FCRA Section 605B ( a ) the XXXX XXXX XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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 XXXX5 USC 1681. XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX5 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of 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 seven 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 2023-01-30
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX AV XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2500.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1600.00} ( Original Creditor : ) XXXX XXXX  : {$120.00} ( Original Creditor : ) XXXX XXXX  : {$77.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX reporting information is inaccurate and according to the FCRA this account has to be deleted for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Fee 's were not reimbursed and as a result checking account was closed

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 2023-01-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The personal information does not belong to me. All is being investigated by the FTC

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 2021-07-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have written letters to ALL 3 bureaus to REMOVE this Bankruptcy on my credit report, they do not respond. 

I have NEVER FILED any bankruptcy EVER!!!!!!!!!!!

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 attached an FTC report with fraudulent unauthorized inquiries

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 2018-08-27
Company: Navient Solutions, LLC.
State: ME
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 Sent a letter and legal documents to Navient regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my information was sold and bought illegally because i was a victim of the equifax data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. please help me delete these illegal accounts from my equifax credit reports. 
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 2023-12-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Due to the negligence of Equifax, a data breach occurred and billions were recovered to this organization. In the interim, my life was affected financially.

Company response to consumer: Closed with explanation