BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased a home in XX/XX/XXXX which was appraised at $ XXXX. 

In XX/XX/XXXX, I was aggressively pressured into a refinance by my lender, Nationstar/Mr. Cooper. At the time of the refinance the loan was at approximately 81 % LTV, and I disputed the inclusion of PMI. Before signing off on the refinance, I was verbally assured by a supervisor in the PMI department, XXXX XXXX, that after making 2-3 payments on the refinanced loan, it would be below the 80 % threshold and I could call in to have the PMI removed. 

I made the 2-3 payments in early XX/XX/XXXXXX/XX/XXXXand called Nationstar/Mr. Cooper to have the PMI removed. Because the property is now occupied as a tenant and the refinance was classified as a " tenant owned '' property, I was then informed that LTV needed to be at 65 %. No one had informed me of this prior to the refinance. XXXX XXXX claimed it was a new criteria. 

Fine. I have continued paying PMI for nearly two years. I called in a few weeks ago and paid to have an appraisal done. The appraisal came back at $ XXXX ( which I feel is low ). Regardless, the loan balance is $ XXXX, putting me at 62 % LTV.

Nationstar/Mr. Cooper STILL refuses to remove the PMI " Because the loan is less than 2 years old. '' The loan is not less than 2 years old. It is 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Chime Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Transaction date XX/XX/2021 Money was not available in beneficiary account, Contacted Chime Inc/Sendwave for a reversal as the beneficiary was not able to get the money, he stated the bank does not have a record of the transaction.

I have contacted the company severally via phone and email and they keep sending text messages they're working on it.

However the transaction receipt states I have a right to refund within 10business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: GA
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 am writing to express my concerns regarding the accuracy of my credit report as provided by Equifax. On XX/XX/XXXX, I initiated contact with Equifax to address the presence of incorrect information on my credit report. To date, I have not received any response from Equifax. I wish to outline the details of the erroneous information and the necessary corrections : The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Request : Please remove this account from my credit report. 

You are reporting the XXXX account inaccurately : Date Opened : XX/XX/XXXX Reported Balance : {$5200.00} Discrepancy : I recall the balance being lower. 
Request : I kindly request you to delete the Past Due information for this account, as it should not be reported due to its closed and charged-off status. Additionally, I request that this account be marked as disputed to prevent any adverse impact on my credit score. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$58.00} Request : Please remove this account from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Request : Please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
MY SQUARE ACCOUNT WAS DEACTIVATED ON XX/XX/XXXX after 8 months now they are not releasing my funds When I complaint here first time after that square deleted my account and when I call them they just tell me that they esclate the issue and the accounts services will get back to you in 2 days Now they are not giving any exact date of releasing the funds there not any ongoing disputes on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
For the past month, when I log into my Discover account to check my activity, there is a large advertisement, right up front. It basically says that they are offering a low interest home equity line of credit, in the event that I am looking to buy another house. I AM thinking about moving, so I was curious. 
It simply said to click on it to find out about using home equity for a down payment on a new house. I did NOT know that it was going to make a hard credit inquiry. Now my credit score has gone down. I actually had no intention of getting a loan at 12 %! It NEVER indicated it was a high interest loan. 
I have prided myself on keeping my credit score high. My financial accounts are spotless. As a result of Discover 's actions, my score went down XXXX points. Now I WILL NOT be able to buy a house with the best possible interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: AMCOL Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
- XX/XX/2023 AMCOL System, INC. sent me a letter stating I owe XXXX XXXX XXXX XXXX  XXXX {$1400.00}. I called the day after to dispute my debt because after I checked the evidence of benefit from my insurance, the amount didn't match up. So, when I called they asked me to fax the evidence of benefit to prove the amount they presented was wrong. Additional to that, they informed me that I owed more money which I never received the bills from the hospital. Then I asked for an itemization of the bill. 
- XX/XX/2023 I faxed the evidence of benefit to AMCOL. 
- XX/XX/2023 I received another letter from AMCOL stating I had more debt. This time, it was {$720.00} from XXXX XXXX XXXX XXXX XXXX. Again, I have never received any bill, so I ask for the itemization for the bill. I also reminded them about the itemization that I have been waiting for from the last I spoke with them. 

I feel some thing is not right here when they want me to pay for the bills that I have never been billed for. Its more like scam. Yet, it is the debt collector that Ive never wanted to mess up with. I hope someone can help me sort this out. The total amount they said I owed was {$2400.00} which again Ive never gotten the bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/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 explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-09-30
Company: Mr. Cooper Group Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced with Mr Cooper in late spring of 2021, made the first few payments and everything seemed normal. In late XXXX of 2021 the company completed a reevaluation of the escrow accounts and determined that our payment was to increase from {$2700.00} per month to {$4200.00}. 

During the month of XXXX we have contact the customer service twice by phone, and three times on the web service. Each time we were informed our request would be sent to another department to look into the problem. Some of the written requests were replied with comments to the effect that the problem has been previously addressed.

We have taken the time and gone through the paperwork. The problem in the escrow is a fire tax payment. Mr Cooper has added the tax, at 10 times the actual cost. The tax has also been paid in full, it has always been, and is always billed directly to the home owner ( comment made by the fire tax collection office ).

We have taken the five minutes of time and called the fire tax collection office ourselves and verified we were paid in full and the above information. We have relayed this information to Mr Cooper customer service, who then states they are sharing the information internally with the department with whom we are not allowed to speak.

In the end, this is a huge increase in our monthly payment which we can not afford for the next 12 months. But it is also a payment we should not have to make for the next 12 months. Mr Cooper seems content to float our cash and does not care about the personal costs that might be occurring. We feel that the company is not acting in good faith. 

The system Mr Cooper has set up blocks real problem resolution, I can only assume so that the majority of customers give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Trans Union and XXXX will not allow me to access my free annual credit report. Also XXXX is reporting the wrong balance on the report I was able to access from 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 2023-05-10
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX I applied for a loan using XXXX XXXX and XXXX XXXX links. I received and email beuling approved for {$4000.00}. Provided my banking information and Driver 's license. Was provided approval letter and asked to sign agreement. Was told they had to verify my banking information for deposit and payment. Then was given excuse they were having trouble and they would try again later. I never received the funds promised. XXXX XXXX is the loan associate direct line is XXXX. The loan officer was XXXX XXXX. I haven't heard from them on explanation. the loan application number is FL XXXX XXXX at 7 % APR..I never received the funds in my bank account as promised.

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 2021-12-02
Company: Village Capital & Investment LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Contacted via mail to refinance mortgage by Village Capitol. Assured the only qualification was on time payments no credit check. Approved for refinance and later had credit pulled by Village Capitol. Now, Village Capitol is deliberate in holding payment to charge late fees and threats of reporting negatively to credit report. All bills are paid via bill pay with not one complaint of late payment from anyone until Village Capitol. XXXX personally intervened to verify mailing address with Village Capitol and account information. XXXX reimbursed me for the late fee charged by Village Capitol. If Village Capitol deliberately withheld payment to receive late fees from clients, this could easily amount to hundreds of thousands of dollars in dishonest profit. I was with XXXX Mortgage before Village Capitol ; all payments were on-time via bill pay. Wished I never trusted Village Capitol.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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:
TRANSUNION HAS ON INQUIRIES ON MY REPORT THAT ARE NOT MINE. 

NOT MINE : XXXX XXXX XXXX -- XXXX XXXX -- XXXX   XXXX  XXXX -- XXXX/XXXX  -- XXXX XXXX XXXX -- XXXX  XXXX XXXX -- XXXX XXXX XXXX -- XXXX/XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX/XXXX XXXX XXXX -- XXXX XXXX  XXXX -- XXXX XXXX -- XXXX-XXXX   -- XXXX  XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX -- XXXX  XXXX XXXX -- XXXX XXXX, XXXX -- XXXX XXXX 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 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 2019-03-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the weekend on saturday XX/XX/XXXX my card was swiped as a debit card transaction in XXXX for the amount of {$92.00}. I know the money was in there because before I went my husband asked how much was in the account and at the time I specifically remember there was {$140.00}. After XXXX I always check to see if it had come out of the bank and it did. On Sunday XX/XX/XXXX the card was used 4more times at the gas station for {$13.00}, XXXX for {$8.00} and XXXX   XXXX for {$15.00} and {$3.00} at the gas station again. By 6 Sunday night there was still a few dollars in there, not much but some. We had an accidental charge from XXXX happen Sunday night for {$74.00}. Which we immediately contacted XXXX and theyre refunding the money but like everything else it takes time. First thing Monday morning a recurring payment that we forgot about came out which was XXXX XXXX. When I checked my bank account THREE of the charges from Sunday had overdraft fees on them of {$35.00} but the XXXX XXXX and the XXXX purchases which were legitamitly overdrawn did not. When I looked into it someone reimbursed me for {$8.00} on the 3 overdraft fees. I have fees on things that were not overdrafted and no fees on the things that I am more then happy to pay fees on. I was told that once the money from XXXX went back in the account the fees associated with it would fall off. But there are no fees for that. I am more then happy to pay the fees for the things that were actually overdrafted but something needs to be changed. When I called about it they told me that not all charges post on the day they were made. Which is fine EXCEPT the three that have fees on them were debit purchases and even if they dont officially post that day it still comes out of the available balance. I would not have made those purchases if I didnt have the money in there. Someone I know who knows the banking system has informed me that these are in violation of regulation XXXX, and that Wells Fargo is taking part in unfair and deceptive acts when it comes to these fees. We have been with this bank for 10+ years and I cant believe they wont work with me to fix the problem.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: TX
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:
My personal, NOT public information was used without a permissible purpose. I have NO accounts with these creditors who have used my information, there is no connection with a business transaction that is or was initiated by me the consumer. This is a violation of the FCRA. Also my address is reported inaccurate, and I asked them to update this as well.

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 2020-02-25
Company: Experian Information Solutions Inc.
State: PA
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 have reached out to the credit bureau to ask to investigate the reporting of this account XXXX  XXXX XXXX they have claimed they have verified this as accurate when there is a clear violation in the reporting. This account is reading a charge off with a balance of {$4900.00}. This is a clear violation as a charge off should have a XXXX balance.

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 2018-05-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I noticed a phone number that is not mine, or any account owner was on my account. The Bank is unable to tell me how or when this phone number was added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Tower Loan has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-03-21
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Midland " debt '' stems from a XXXX order back in 2010. I paid my bill with auto pay from my bank and can get those records again ... I sent them to XXXX and Midland to no avail. I have the original order records. The payments were set up by XXXX to come directly out of my bank account at XXXX XXXX. After that period of time was over I contacted to get the last payment and found out that they had taken out {$20.00} every month for 2+ years and then changed my account {$40.00} every month for being late. I never received a notice ... we were paperless ... and XXXX themselves set up the auto payment. I have tried several times to show the truth about this mess. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Kindly correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be removed right away. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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