BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Hello I am contacting you for home loss prevention. I am current in all payments of mortgage and property tax and have never defaulted even in the past ever since the house was purchased in XXXX. My XXXX son is on the XXXX of XXXX XXXX his benefits and the good public schooling of my kids are both connected to our home address. 

This is to kindly let you know that I have a conventional XXXX XXXX  loan with 30 year term and my loan assumption application has been denied by Mr. Cooper the mortgage lender and all because they need an income of {$10000.00} per month and mine is {$6200.00} including everything. I am already their client and bought this house in XXXX. All they are required to do is to remove my XXXX XXXX XXXX name off the loan entirely. 

My home situation is fragile as I am a XXXX  mom with XXXX XXXX XXXX XXXX XXXX boys in my full physical custody and this house is the only asset I have got in my divorce, I have always been able to keep up with all debt obligations after divorce And is solely taking care for 2 years of my mortgage and property taxes. I would not be able to buy another home after selling this and my rent alone would be {$3000.00} per month in XXXXXXXX XXXX which is equal to the mortgage I pay month to month. Please talk to Mr. Cooper my mortgage lender let them see my side, the title of my house is solely in my name and the mortgage has both my and my ex name on it and his name is to be completely removed. The equity of this house is almost equivalent to what I owe {$610000.00} in the house so why can't the equity of the house be my co-signer and my ex name be totally removed from the liability? I am also open to the idea of loan modification with the years of mortgage payment increasing to lets say 40 years from 30 years to bring the monthly premium down from {$2900.00} to much lesser so the debt to income ratio looks healthier and I get approved for the loan assumption but only if it continues to be the same rate of interest as 3.375 %. But denying my loan assumption application just because there is debt income disparity doesnt explain it. I am a XXXX  woman, am a U.S. XXXX, just trying to raise my kids in a safer environment and this house is crucial for that growth. Kindly help. Under our current XXXX XXXX XXXX XXXX case court is making orders forcing me to sell the house if my exs name doesnt come off by XX/XX/XXXX. So the matter is really time sensitive and Mr. Cooper is aware of it. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: NV
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF EDXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-10-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These accounts balances are incorrect on my credit report I was never given the contracts or itemized billing statements showing how these accounts balances were made, they also added late payments dates and fees to these accounts after they were closed, how can one be late with fees when an account is closed the date of account closed have been updated as no information given on my credit after I contacted them asking about this same problem. XXXX XXXX XXXX Account # XXXX is also a charged off account that I never received my XXXX as law states mt to receive. How can they come after me for a debt that has been paid in full already due to charge off. As for the XXXX Account # XXXX account this was sold to a third party without my knowledge or permission giving my personal information out without my written content also this is still showing as an owed debt with this company when it should be removed if from my credit reports if they have been paid for this debt already due to charge off to third party. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A 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 explanation
Consumer complaint received 2022-11-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Went into forbearance in XXXX. XXXX due to unemployment from Covid. Submitted application packet 1 for loan modification options to begin repayment in XXXX XXXX. Called so many times. Was told packet was lost in mail. Submitted 2nd packet in XX/XX/XXXX. Never heard back. Could not log into account, did not receive any statements. Every time I call, it takes at least an hour. Called my XXXX  XXXX XXXX XXXX about it. She said XXXX have a partial payment plan option. To ask for that. I would begin regular mortgage payments and begin scheduled payments on the past due amount from the forbearance period. They ignored her emails. She was persistent and was eventually told they do not participate in the program. I was told they received the packet in XX/XX/XXXX but it had expired. I called often and asked for a system. I was asked again to send another loan modification application. They are like 15 pages long. I told them no. I started making double payments in XX/XX/XXXX. The loan is still behind. XXXX from the chairman office at citizen called after hearing my complaints. She sent me papers to fill out, and I scanned and emailed them that say. This was in early XXXX. I mailed my XXXX, recent paystubs, hardship letter for why I went into forbearance in XXXX. Two weeks later I was sent a letter saying they needed another letter and recent paystubs. I literally had gotten paid that day. I emailed it in. This week I got a call from XXXX in the office of the chairman. She said she is closing my case because it seems like things are okay now. I told her I had gotten no response from loss mitigation. She said it takes them 30 days or so from the date of the packet. I told her it had been 30 days. She said she couldnt help. Loss mitigation needs to contact me, I told her I have been making double payments since XXXX and I need to see a statement. I was told there are no statements when in loss mitigation. I was about XXXX behind on payments. It is currently around XXXX by my calculations. I sent an email requesting they do not close my case as it is not resolved and that Id line them to communicate through legal representation from this point forward. I have not hired a lawyer. XXXX emailed today asking for my attorneys contact info. I have not heard anything from loss mitigation still. I guess I am going to waste money on hiring a lawyer instead of paying the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: IL
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 reached out and filed disputes with XXXX, XXXX and Experian about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XXXX of XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year 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 2021-11-01
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a dispute on my account for a transaction in the amount of {$780.00} on XX/XX/XXXX. My claim was denied 4 times for bogus reasons. It wasnt until I filed a complaint with CFPB I was notified by BBVA by mail which is now PNC that they were investigating the claim & would issue a provisional credit & any fees assessed on the account would be credited it back to my checking account ending in XXXX once the claim was final. I noticed on the BBVA 3 fees were reversed. I called to inquire why only 3 fees were reversed since there were a remaining XXXX ; I was told the remaining XXXX fees for {$38.00} each would be credited back to my account once the claim was final. Since then they have found another way to defraud me in retaliation of my complaint to CFPB & have sent me another letter indicating they will be debiting my account for {$130.00}. Had this claim been processed on my original request I would have never been charged {$38.00} for any transactions because it wouldve have been well enough money to cover all of the debits that were presented. This has been discussed with several representatives who ensured that all of the fees would be refunded once the claim was final. The claim was finalized on XX/XX/XXXX. I called today XX/XX/XXXX to inquire about the letter, I was on hold for 1 hour & 30 minutes & was transferred four times. Finally a representative in what PNC calls core department, I was told theyre not refunding me any fees & theyre debiting my account an additional {$130.00}. In all I am still out of {$780.00}, including never receiving the merchandise purchase since XX/XX/XXXX & {$1000.00} in bank fees. They have even blocked my access to my BBVA app to review any bank statements, & communication letters. Each time I try to click on statements for both the PNC app, & the website, its buffering & will not allow me to view any transaction history. Its been this way for 26 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I got a letter stating that I put a stop payment on an account from XX/XX/XXXX to XX/XX/XXXX. That was in my name I didn't open a account with BofA till XXXX so someone at that bank had an account open and was withdrawing money without my consent I have a letter stating that is from BofA. Then XXXXne of the bank representatives told me about consequential harm and damages I knew nothing of this untill she said

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
On XX/XX/2022 the online ticket and lodging reservation system XXXX discovered that their stored payment card information, which included my Bank of America VISA card, had been hacked by an unknown actor ( letter attached ). I was informed of this on XX/XX/2022. 

On XX/XX/2022 there were two fraudulent charges to my above mentioned VISA account of {$910.00} from a XXXX XXXX and {$330000.00} from a XXXX XXXX XXXX XXXX copy of statement attached ). I have never heard of either of these companies and have never done business with them. 

I called Bank of America shortly after these charges were made to report fraud. The person I spoke with asked me if I recognized a series of transactions including the two above. There were six additional small transactions of less than {$20.00} that I did not recognize and which were included in my fraud report. 

Bank of America determined that the six small transactions were subscriptions and after reviewing them I agreed. 

HOWEVER, THE TWO LARGE CHARGES LISTED ABOVE FOR {$4200.00} ARE NOT SUBSCRIPTIONS. THEY ARE FRAUDULENT. 

Bank of America has repeatedly denied my request to have the two fraudulent charges listed above ( for a total of {$4200.00} ) removed from my account. First they claimed that the charges are subscriptions ( letter # 1 from B of A attached ), and I responded with a letter ( XX/XX/XXXX, attached ) explaining that the large charges were not subscriptions, but were fraudulent. Then they claimed that I agreed that the charges for {$4200.00} were valid ( letter # 2 from B of A attached ). 

I DID NOT AGREE THAT THESE TWO CHARGES ARE VALID IN MY LETTER OF XX/XX/XXXX. In my XX/XX/XXXX letter I state that I agree that the six small charges totaling {$34.00} are valid but I clearly make the point that the TWO CHARGES TOTALING {$4200.00} ARE FRAUDULENT. 

Apparently the person handling this matter at Bank of America has not actually read my letter of XX/XX/XXXX ; in any case Bank of America continues to charge me for two fraudulent charges to my account.

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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a account listed on my credit report that is not accurate from XXXX XXXX XXXX XXXX XXXX # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-07
Company: Crow Creek Sioux Tribe
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I took out a {$750.00} loan with River Valley Loans ( aka Wahido Loans ) because I was struggling to survive as a young adult. When I initially took out the loan, I was not given terms that agreed to the absurd amount of interest they charged me ( 676.9 % ). If I was given these terms, I would not have agreed to take the loan at the time. After this, I made every single payment with no late payments. I paid this loan off on XXXX I began to wonder why my checking account has been so low, and reviewed to find out that I repaid River Valley Loans over {$4000.00} for a {$750.00} loan taken out less than a year prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: PA
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:
Hello again, and to whom it may concern, I'm still having difficulties with Equifax regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the XXXX week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022 I took my car to XXXX XXXX for an oil change. I have been going there for many years. Standard oil change is {$29.00}, this is what I asked for. When the pil change was finished I was billed {$91.00}. I was told my car requires a synthetic oil. That is false my XXXX yr. old car does not require synthetic oil. I specifically asked for the standard oil change. I had to pay the {$91.00} otherwise they would not permit the car to leave the property. 

I filed a dispute with Capital One, providing all of the documentation that they requested. 
My dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a phone call stating that I was being taken to court for a bank account that was Used intentionally and purposefully to defraud the government and the old {$1200.00} to US Bank account refused to give me any written information regarding this fraud told me they were going to send me to gaol the police will be showing up at my house they said that they send me paperwork in XXXX to an address that I haven't lived at in years And their company was XXXX XXXX  XXXX XXXX out of California the phone number is 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 2021-09-02
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan has been transferred again this time from CMC funding, Inc. To Specialized Loan Servicing. I continue to have a multitude of issues with payments been applied to my account as I have indicated clearly with clear and concise instructions. I submit my payments ( before the due months in fact before the payment is due ) using SLS 's payment site directly. Not using a third party or my financial institution. Despite this and clearly indicating how my payment should be applied again using SLS 's payment site they can not seem to follow instructions and apply the payments directly to principal instead of how I have indicated. On XX/XX/2021, I submitted a payment in the amount of {$1800.00} on the SLS payment form I indicated {$1500.00} should be applied to the principal and interest payment and the remainder {$280.00} applied to the principal balance. This was not applied correctly and the entire amount was applied to the principal balance. On XX/XX/2021. I submitted a payment in the amount of {$1800.00} using the SLS payment site. I indicated on SLS 's payment former to apply {$1500.00} to the principal and interest monthly payment and the remainder of {$280.00} to the principal balance. Yet again, SLS failed to follow clear and concise instructions and applied the entire {$1800.00} to the principal balance which is not what instructed them to do. I am sick and tired of having to monitor SLS every month to ensure my payments which are made in advance and should be applied to my account as I have indicated. It has been a complete and utter nightmare dealing with CMC Funding and now Specialized Loan Servicing. If a customer indicates how payment is to be applied why they can not follow instructions and apply for the payment as indicated and correctly? Is there no one at SLS that can follow instructions? I believe SLS needs to be audited to ensure no fraudulent activities are occurring at this institution.

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