BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I made a regular monthly payment to Mr. Cooper ( mortgage company ) in the amount of {$XXXX} which was applied correctly across the categories of Principal, Interest, and Escrow. 

Additionally, I sent a check for {$10000.00} with a payment coupon which was marked ADDITIONAL PRINCIPAL ONLY. This payment was received and posted to my account today, XX/XX/2022. But it was treated improperly and posted to next months XX/XX/2022 billing and applied to interest and escrow instead of all of it going to principal which was clearly requested. Total payments sent this month are {$XXXX} but the balance of my account was only reduced by approx {$9000.00} as a result of this error ( beginning balance {$XXXX}, ending balance {$XXXX} despite a $ XXXX principal payment plus a regular payment ). 

I contacted Mr. Cooper by phone and spoke to a representative who seemed totally confused by my question. She said she made a " correction '' but that it would take several days to take effect. I asked for my new remaining balance to verify the correction and she said she was unable to calculate it. I have checked my online account and no changes have been made. I have no confidence the change will be made and after researching this topic online, have learned this is a common mortgage company practice which is basically theft from the customer. Please help me get this corrected. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Fraudulent accounts The XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Fraudulent inquiries XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX A date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX  date of inquiry ( XX/XX/XXXX ), XXXX XXXX In date of inquiry ( XX/XX/XXXX ), XXXX XXXX  XXXX date of inquiry ( 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 2022-12-23
Company: EQUIFAX, INC.
State: MI
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:
Pulled my Equifax credit report on XX/XX/2022. Noticed fraudulent inquiries on my consumer file. I then filed an FTC report, report number XXXX. I faxed the report and driver 's license, ss card, and utility bill to Equifax. I've called Equifax several times they still haven't " received '' /and or processed the report. " I will list the fraudulent inquiries here. These fraudulent inquiries are affecting me buying a home for myself and my family. 
Please delete asap. Thank you. 

XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a prepaid American Express gift card valued at {$250.00}. When trying to make purchases online ( via XXXX, XXXX, XXXX, etc ) the card is declined for each purchase. The amount for the purchases ranged from {$10.00} to {$38.00}, for which I had more than what was sufficient to pay for my purchase. I currently have a balance of {$140.00} with two {$0.00} holds from XXXX and XXXX after failed purchases on their websites. 

This also happened with another prepaid American Express gift card valued for {$250.00} as well. This card would also decline when making online purchases on XXXX. This card has a current balance of {$0.00} available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received an email on XXXX XXXX : XXXX XXXX XXXX, Thank you for cooperating in our investigation of your Square account. As a result of our investigation, we have decided to reverse the offset that resulted in a debit to your Square account on XX/XX/2023. As a result, you will receive a credit for {$920.00} on your Square account by the end of the day. 

XXXX XXXX : Even though, I'm sending this email, I am still following up with the recovery team today to check on the status of the balance transferring into your account and as soon as I hear back from them, I will call or send an email to you.

Ive escalated this over to our Account Services team, who will review your account. They will be in contact in the next 1 - 2 business days via email, so keep an eye on your inbox.

The quickest way to get this sorted out is to reply directly to the email sent to your address associated with your Square Account.

That is the last I have heard from them.

I had an {$800.00} tranaction and they took it, then returned it to my account but it has not been deposited to my bank account. They owe me {$770.00}, I just really need my money. This tranaction was made on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2022-12-22
Company: HILLTOP HOLDINGS, INC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
we started the modification process in XX/XX/XXXX with Primelending they repeated sent or modification packet to an unknown address about 20 times even after we stated hundreds of time we didnt know that address They entered in our payment amount wrong on our first trial payment They never mailed us our modification finalized paperwork ( still mailing to wrong location ) The representatives were the only people we could talk with to know what our payment amount would be after trial period, bc we didnt have the finalized paperwork They said it was finished in XXXX of XXXX, but it wasnt finialized until XXXX, and therefore we were short in our escrow, due to the amounts we were told to pay, They we were told told to pay a new amount which was significantly higher than our pre modification amount, due to the lengthly time it took them to complete it They we were told a new amount still very high We wrote them repeatedly ( only allow you to communicate through regular mail ) and they did an investigation and admitted errors on their end, multiple ones but did not compensate us we have not missed a payment but because of the lag in their abilities, wrong amounts told to pay, they are saying we are behind a month, even though we havent missed a payment We have reached out to every senior supervisor, and they dont speak to us directly but us someone under them to do their work They gave us false fax numbers, XXXX admitted giving us a " friends '' fax because their company 's fax numbers are disabled ( representative 's words ) This has been a 2 year battle of errors, false information and guidance Primelending a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in accordance with the Fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) Is also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as a late payment. 

I have dispute this inaccuracy since XXXX. Please remove negative remarks from all credit 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 2020-03-11
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When i worked for XXXX XXXX, CFPB compelled us to refund all paper statement fees. I just noticed that KeyBank is  charging me a {$3.00} per month paper statement fee on my Health Savings Account/ HSA debit card account. Is that allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX, 2022 two accounts were opened with my name, my SS # on line in the state of Virginia with PENFED Credit Union. On the same day, XXXX XXXX, 2022 there were two more accounts opened on line, one savings and one checking, with my name, SS # with XXXX that I have a credit line at their local office in XXXX XXXX Florida. I have cancelled these accounts but who knows what else was opened. On XXXX XXXX, 2022 a request was summited to have my US mail forwarded to another address from XXXX XXXX, 2022 to XXXX XXXX,2022. I was notified of this while I was out of town and contacted the local Post office to stop forwarding my mail, which took them a few days to respond to this request. I contacted the office for Federal Mail Fraud XX/XX/XXXX and made them aware of the Identity Theft and asked them to assist me. I have contacted XXXX, XXXX and XXXX to freeze my credit.

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 2022-03-19
Company: Experian Information Solutions 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:
XXXX is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.

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 2023-12-06
Company: MECHANICS BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit of {$300.00} on XX/XX/XXXX somewhere around XXXX to XXXX XXXX Upon making the deposit, the ATM did not give me a receipt and I recall stepping back looking at the machine as to why I did not get a receipt. I then walked away thinking that maybe the ATM machine was out of paper. On XX/XX/XXXX I checked my account and there was no deposit. On XX/XX/XXXX I checked my account again and there was no deposit. I then contacted the bank to inquire. A claim was filed, but with the wrong date. On XX/XX/XXXX I contacted the bank to make sure they had the correct date of XX/XX/XXXX. I went into the bank on XX/XX/XXXX to sign the complaint and deposit {$300.00} into my account. I was given a reference number. The company sent a letter on XX/XX/XXXX stating they did not find that an error had occurred. I contacted bank on XX/XX/XXXX requesting bank XXXX to audit and review video camera on XX/XX/XXXX between XXXX XXXX. and XXXX XXXX I have spoke w/ bank XXXX several times and I was told that after auditing and reviewing video camera of ATM ( on the right ), a representative in the bank didn't recognize me in the video of the ATM. I sent pictures of myself as well as a screenshot of my location from my phone showing that I was at the bank. I am still being told that after their review of the video it does not show me. I am positive I was at the bank and made a deposit on XX/XX/XXXX. I even had a witness with me because I did not feel safe going in that area alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In 2017 I lost my wallet which contents were my credit cards, drivers license, social security card. I cancelled all of my credit and debit cards, got a new license and social security card. After reviewing my credit report here recently, it looks like someone has been applying for credit using my information. Sometimes from the same company multiple times. Luckily, there has only been 1 account open that the bank immediately closed and all three reporting agencies removed. However, there are several fraudulent inquiries still remaining on my credit file. I have taken the necessary steps ( filing a police report for investigation, disputing the items and writing the companies ).

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 2019-05-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called Navient today to make a complaint because they are not permitting me to renegotiate the interest rates on my private loans. My loan balance is more than {$100000.00} and has not changed despite my monthly payments. Due to steadily increasing interest rates, my monthly loan payments have increased from approximately {$500.00} to almost {$800.00} in less than 2 years. I am deeply concerned about their practices which feel predatory and unreasonable, especially to someone with a low-income background who was the first in her family to go to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-22
Company: DISCOVER BANK
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, XXXX XXXX states they delivered the XXXX XXXX XXXX I purchased. I get home and there's no package there, it was stolen. I submitted a dispute through my Discover credit card and also submitted a previous CFPB complaint. Discover initially approved my claim, then rejected it stating that since the item was confirmed as delivered ( EVEN WITHOUT A REQUIRED SIGNATURE ), and it was stolen from my porch before I got home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
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:
XXXX is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.

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 2021-06-28
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My money was taking from my card on XX/XX/2023 at XXXX XXXX  from us bank in XXXX CA and it was fraud cause I did authorize no one to take my money it was in the amount of {$660.00} and I would like my money refund to me card ending inXXXX

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