BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started my modification application in XX/XX/XXXX because my balloon payment was coming up to be due in XXXX. My application was paused in underwritting because there were some questions. I addressed all of the questions and made the changes they requested. 
XXXX. ) they wanted me to submit a lease agreement, I explained that my XXXX business is a bed and breakfast and does not have a lease agreement. I was told to change my XXXX ( application ) to show the income as a business instead of a rental income. I was also told to submit a P & L and bank statements. I did all the above, the XXXX & XXXX and statement was approved, but the lease requirement is still not removed. 
XXXX. ) They wanted a court document for my child support. All I have is years of bank statements showing the receipt of the money and an affidavit from my ex-husband because we did not need to go to court to come to an agreement. Since that was insufficient, I asked them to exclude the child support as an income source altogether. I was told to submit another XXXX excluding the child support, which I did. 
Both the child support and lease requirement were still not removed. From XX/XX/XXXX until XX/XX/XXXX I did not hear back from my assigned agent, although I called and sent several emails but was always told someone will get back in touch with me, but nobody ever did. I then received a denial letter dated XX/XX/XXXX stating that I was rejected for the modification because " I failed to submit the required documents ''!! I sent a really long email on that same day to their customer relations, research department and all emails I had from Mr.Cooper stating my complaint and providing all the emails and details ( similar to above ). I received a response on XX/XX/XXXX from the assigned agent, XXXX XXXX, My apologies for your experience, I have escalated the issue once again and we will get back to you as soon as I receive a response. I have followed up with calls, voicemails, and emails since I received that email and still, as of XX/XX/XXXX nobody is responding to me. 
Due to this false reporting from Mr.Cooper, my credit score has dropped from XXXX to XXXX, that is a difference of XXXX points within 2 months! The modification would have closed in time if Mr.Cooper would have processed my application. I also tried to make a payment when I called customer service but I was told the minimum payment was more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: GA
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:
Purchased some items from XXXX online store. Items did not fit. Returned. Received just partial refund. Filed a claim with the bank issuer, provided return labels, i even have pictures saved on my phone of packing, taping and labels with UPS return labels. 

Filed a claim with Wells fargo. Claim status : Claim open - waiting for merchant. 

Today : Claim status : Closed, unfortunately we are declining your claim because we should have some mystery form that we did not get or send to you. Even if i provided them with the return tracking numbers. Completely unacceptable.

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 2023-01-03
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in contact with my mortgage company since XX/XX/XXXX when I was having financial issues, and my pay was cut in Half. I lost time being out for XXXX etc. There was so much miscommunication every time I called. I have stayed in contact with the mortgage company contacting them continuously and providing any information they needed. One representative I spoke with in XX/XX/XXXX stated the only option I had was to split the late payments up and add them on to my next payments. This would increase my payment each month. How can I pay more if I am unable to make a normal payment!! I told her this and she had already set me up with this arrangement! I said that I couldnt do it and to let me speak with someone else. Spoke with another representative that stated I was approved for the forbearance that they only wanted the question what has gotten me behind XXXX if I would be able to resume payments normally afterwards. Which I answered. Called back in a week and they said I was not approved for anything and the questions did not satisfy the big decision makers. the collection emails, calls and even coming to my home hand delivering letters. I have gotten a new job as of XX/XX/XXXX. I have made several payments every time I am paid and I am now due for XXXX according to the representative I spoke to on The phone in XXXX XXXX when I paid another payment. Today I received a letter regarding intent to foreclosure today. This letter was sent even after speaking with them and making payments. Never once gave me any helpful info. I took it upon myself to speak with a HUD COUNSELOR and he has been helping me and telling me what rights I have and assisting me with how to speak with the mortgage company. This is the reason I am contacting you today.

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 2019-07-02
Company: R.A.Rogers, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am constantly receiving harassing phone calls from this company. I had no knowledge what the calls were for but they just kept calling. They would even call my number at XXXX my time. However, I finally received a collection notice about a debt they said I allegedly owed to a company card XXXX XXXX. I have never heard or the original creditor and learned they are back east. Anyway I contacted the company A. Rogers Inc in writing to let them know they have the wrong person and that I am not in debt to XXXX XXXX. I requesting that they also stop contacting me via phone or in writing. After that the calls got worse- at least 5 times a day and still starting at XXXX. 

After that I received another collection notice from MS. XXXX at XXXX XXXX stating I owe a much higher amount than the previous collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: HF Holdings
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/2023 To Whom It May Concern : HF HOLDINGS with account number XXXX I cant figure out how you verified this late payment, when the only legal form of verification is the actual bank statement belonging to the company ( XXXX XXXX ) remove lates immediately. 
The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 
This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in ( Your State ) has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 
I intend to take all legal steps available to me if I do not hear back from you. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently got a copy of my credit report & I saw a company " Caine & Wiener '' stating I owe them {$5700.00} for XXXXXXXX XXXX XXXX XXXX. I've never rented a car from them. I contacted the police & they told me I may have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a loan modification which included waiving penalty interest and fees over a 15 month period amounting to more than {$800000.00}. Shellpoint Mortgage servicing sent me a modification agreement which agreed to reduce the principal amount as negotiated in the summary of the modification. However, in the Modification Agreement itself only the amount that the interest was calculated on was reduced. That means after I resume more affordable payments, at some point in the future I would refinance or otherwise pay off the existing loan and they would demand the full amount including penalty interest. In other words, the summary of modification promised one result and the actual modification provided a much worse outcome for me. The way it was done could be considered deceptive because I had to read it twice to understand and I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I notified ShellPoint that they needed to provide another modification and have not heard a response for the last few weeks although I do get random calls from people asking me what I plan to do about my scheduled payoff date. In other words, their internal systems seem to have no record that I'm in the modification process. Every person who calls seems to be clueless and they all promise to look into it and get back to me and no one ever does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect is not my debt they were not able to validate this account belonging to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have bought many prepaid gift cards from American Express ( over 30 in the last decade ). I never had an issue with them until recently when XXXX of the cards I tried to use had a {$0.00} and {$3.00} balance when they each should have had {$300.00}. Because they were bought over a year ago ( but not attempted to be used until recently ) the credit card company whose credit card I used to pay for the prepaid cards said they could not help me in filing a dispute. When I called the American Express gift card customer service, they told me they could not help. They said to contact the merchants where the cards were used. I told them that I could not do so because I did not make the purchases that drained these XXXX cards and so I dont know who the merchants are. All I know is that whoever stole the card numbers and made the fraudulent purchases did so online because I had the physical cards with me and had never lost them at any point. They said there is nothing they could do. I tried twice more to talk to XXXX other customer service agents in case someone perhaps with more customer service experience knew how to go about solving this fraud case but no one was helpful or even sympathetic. I dont understand how in good conscience American Express can say that it is my problem to try and fix this when they are the ones that sold me cards with compromised numbers that didnt deliver the amount that I had paid for fair and square. You can not pocket my money and then turn around and essentially tell me that you didnt do a good enough job to keep the product safe but that is somehow now my problem. It is not and it should never have been.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20
Company: Commonwealth Financial Systems, 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: Account status incorrect

Complaint:
Commonwealth financial is continuing to harass consumers violating public law title X, 124 stat 2092 section 810 reporting multiple debts that is already reported on my credit from another creditor. Section 808 unfair practice by continuing to contact the consumer after the consumer informed this company that a creditor is already reporting the debt. Violating section 807 of the act by false misrepresenting themselves as the debt collector of a debt that is already reported to ones credit file and reporting false credit debt to credit bureaus as a means to harass consumers. Why isn't the ftc going after this company. This company has over 100 complaints with XXXX and ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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:
I have tried for more than 4 months writing to them concerning the improper reporting of items on my credit report. I fully plan to pursue litigation in accordance with the FCRA to implement my rights, seek relief, and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous written requests, the unverified entries still remain on my credit report in violation of Federal Law. they stated in their response to my dispute letter that they have verified accurate accounts which is a lie.They failed to send me copies of the proof that these accounts belong to me as per my request. they are required under the FCRA to have properly verified that an entry listed on my credit file is mine by having a copy of the original credit application on file proving that the entry is mine. It is obvious that they dont have any proof on file that the items are mine. When I go to litigation they will be required to produce said documents through the discovery process, and since they dont have the said documents in their files then that will be proof that they did not properly verify the items and they will have to be wiped clear.

they have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ).

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). You say that you have reinvestigated these accounts but it is obvious that all they have done is parroted information given to them by other sources and shifted the burden back to me to prove the accounts are not mine which is clearly in violation of 1681 ( a ) ( 4 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... promptly REMOVE all information which can not provide proof of verification.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2023-11-21
Company: Nelnet, Inc.
State: NY
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:
Called Nelnet the following dates : XXXX XXXX XXXX XXXX Wait time to speak to a provider is over 3 -4 hours. On XX/XX/XXXX, remained on the phone for over 6 hours, Nelnet sends periodic emails saying " we will update you in 10 days '' but nothing is provided in an email saying what is being updated, what is the progress, and if anything is wrong with the application. For example, there was an issue with my application, I was not informed of this and instead after speaking with two different call center employees, including a manager, was I able to learn that one my my loans was categorized incorrectly. This information should have been communicated to me promptly, not sitting in a cue for 5 weeks. It appears that there is no incentive to help students understand their loan SAVE applications, and instead are incentives to keep the applications pending so the company can make more money off of people who have no income. Since I am kept so in the dark about the process, I have no idea if my application needs to be fixed or needs more information. Instead, Nelnet should be actively updating us on what they need, not waiting until we reach out to them 5 -8 weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: SC
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief