BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB customer service representative, I am writing to your office in regards to a 30 year FHA mortgage loan that I have been paying for the last XXXX years. My principal Complaint/Concern is that this loans MIP/PMI is still being charged even though the FHA loan criteria terms have been all met since XX/XX/XXXX. 
I need confirmation from the pertinent agency/department in regards to my LOAN # XXXX, which is an FHA loan, originated by XXXX XXXX in XX/XX/XXXX, then Sold to Nationstar, and now being serviced by Mr. Cooper. I have been paying PMI/MIP. for the last 5 years and 11 months. My understanding was that XX/XX/XXXX was the 5 year maturity date of the FHA pmi. And so, I am hereby requesting a formal review and ensuing confirmation that this PMI/MIP will no longer have to be paidAGAIN!. Previously when I called, I was told by NATIONSTAR ( My loan servicer at the time ) that the PMI/MIP will automatically be stopped at the 5 year anniversary. However, it hasnt been stopped as of yet. I want and need confirmation IN WRITING of such transaction so as to have the pertinent documentation on file for future reference. I am considering court action due to the corrupt bait and switch tactics employed by FHA in connection with the mortgage companyillegal and designed to saddle the homeowner with a PMI/MIP for much longer than necessary/stated. Point of fact, I met all of the criteria stated by the FHA regulation. However, I was not cleared of the PMI because of a catch 20/20. Meaning that the total amount due in 5 years will NEVER equal the 78 % LTV ratio. And, it is oddly designed to do that-on purpose. The 78 % LTV Ratio can NOT be achieved under the current terms due to the fact that the current value of the house is NOT taken into account, therefore the equity available does not count. That in turn means that NOBODY who borrowed under those terms will have enough equity to be free of the PMI. Therefore, we are stuck with the PMI for much longer than the XXXX years stated on the FHA criteriathat is unless I pay down an extra {$20.00} thousand-plus-dollars, which I can not afford to do. That is why the FHA rules are a well-designed scheme to saddle homeowners like myself with a PMI for longer than stated on the contract. What a horrible thing to do to consumers! I wonder if senators XXXX XXXX, XXXX XXXX and XXXX XXXX who are consumer advocates approve of this? My goal is to get consumer advocates involved as well as the CFPB officers to look at this scheme under scrutiny and hopefully abolish such predatory practices on hard-working, tax paying, American consumers. 
I have further documents/proof from XXXX XXXX, Nationstar and Mr. Cooper available upon request. 
I thank you all in advance for your help and support in this most important matter. 

In perpetuity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter served to my residence by our local sheriff department on behalf of Midland Funding,  LLC ( a debt buyer company ) that received a credit card debt from XXXX XXXX XXXX. I attempted to repay after having a hardship ( XXXX XXXX XXXX ) ..when I was able to pay I called to pay off card. I asked when my available credit would be available after payment I was told the card had been closed. I was not notified at that time and immediately after then I began hearing from debt collectors. Now I have received a letter to come to court. I don't have proof of my phone call with the company but how can i combat this. This debt has been sold off and now the other company is coming after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: WELLS FARGO & COMPANY
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX I found myself needing a new roof on my home. At the time I was financially solvent, had paid off the mortgage on my home, and was working full time. I didn't want to drain my savings account to pay for the roof or put the cost on a credit card, so I approached my local Wells Fargo bank with the intention of taking out a small, short-term loan to pay for the roof. XXXX XXXX XXXX was my personal banking contact at that time, though she eventually left Wells Fargo. If my memory serves me correctly, I made three visits to the bank. The staff there was resistant to a short-term loan and suggested a line of credit based on my home value. They also did a hard sell on car and homeowner 's insurance and opening up a Wells Fargo Visa card. Eventually I opted for the line of credit and did not open other accounts with them. I was under the impression that I would have to leave the account open for a minimum of three years and that after one year I would be able to lock in a lower interest rate.The account had a credit line of over {$30000.00}, which was my primary complaint. I certainly didn't need that amount of money for my roof and over the next couple of years it was clear that they were using tactics to encourage me to run up the account balance and always reminded me that the interest was deductible on my federal income tax I was encouraged to transfer other debt, such as car or other loans, to this account or to take vacations or spend this money on shopping trips, mostly unsecured debt. I did end up using all of the money, mostly for living expenses and family emergencies. Despite my numerous attempts to close down the account, convert it to a different type of loan structure, or to lock in a lower interest rate, I was not able to. XXXX had left the bank a couple of years into this loan and I had no personal banker to deal with. I was in a position of having to explain the nature of my account to a new person every time or being transferred to a corporate branch where I was given no real assistance or alternatives. All of these negotiations took place on the phone. Over eight years I paid nearly {$10000.00} in interest on a {$33000.00} loan. During that time I was not able to deduct one dime of that cost with the IRS. Eventually it became clear that I would be forced to sell my home in order to pay off the line of credit, which I did in XX/XX/XXXX. After completing my move from XXXX XXXX to XXXX, I ended my relationship with Wells Fargo by closing all of my accounts and went to another bank. At that time, I was relieved to discover that no additional accounts had been opened without my knowledge.

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 2017-11-29
Company: WELLS FARGO & COMPANY
State: GA
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:
The company has been reporting me a running late for 6x times and they have done it in to me in XX/XX/XXXX. I learned that they have switched products and increased to my payment to XXXX from XXXX, which I have been paying for years. I am recently divorced and my husband was paying the bill on line. So, all notices that are on line which Wells Fargo have always pushed me to go online because I could not talk to a person for a year because I did not know my pass word. I open the line in XX/XX/XXXX. I ask them to produce the document that says they could switch my product and all this extra money that have been given needs to go towards her my late fees. The customer service rep said they told me in XX/XX/XXXX. They could not reproduce any paper that said my payment changed, they sent me a note that does not indicate. I want them to remove the late immediately and give me the opportunity to know what products I am in what to expect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX, account number XXXX, a collector for XXXX XXXX XXXX is trying to collect a debt I do not owe and is wrongfully appearing on my TRANSUNION credit file. 
At the time of service I had XXXX, XXXX XXXX XXXX XXXX, A GOVERNMENT INSURANCE that I have had most of my adult life and that was in full force and effect. 
The treatment was for XXXX XXXX XXXX XXXX that was completely covered by insurance.The insurance person at the hospital came to me after doing the paperwork and said regarding the insurance '' ok, everything is fine. ''

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 2022-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # XXXX XXXX XXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX  XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been trying to resolve this problem with this cvollection agency with no aval. The original creditor charged the wrong insurance company, I spoke to them and gave him again the correct health insurance to be paid. I sent to XXXX   copy of my card insurance to get paid but yet still reporting wrong information on my credit report. 

They just ignored my request ( XXXX ) and didn't even call their client to see if they got paid already. like I told you before My insurance will pay this bill, the hospital billed the wrong insurance company.

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 2018-03-22
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled my credit report and noticed a collection that I did not receive notice from mail or phone call from XXXX. I called customer service about the account and the automated system notified me that my account was being handled by Diversified Consultants Inc. I have not received a phone call or letter in the mail from Diversified to discuss my account. The account is on my XXXX and the acct # from XXXX is XXXX and was last reported in XX/XX/2017 2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have my auto loan with Capital One, and even though I am not late and have never been late on my monthly payments, I wanted to request 1 month extension because I didn't work for a whole month ( due to the Covid-19 ), their response was that I had the option to do so BUT they will charge me interest fee on my loan. I personally find this inhumane because the crisis we are going through right now and based on the government laws, we, the consumers were supposed to have a break until everything goes back to normal. 

I called on XX/XX/2020 and my monthly payment is {$380.00}, which if I extend 1 month into my loan they will charge me around {$180.00} in interests fee. I find this so unfair specially for a consumer that has never been late on any payment and also has a credit card with them and never paid late on neither of the accounts. I understand how business works, but we are in a crisis that a LOT of people are going through difficult times, they should consider that and work better with us. I am so disappointed that as soon I can refinance my car I will do so, as well as closed my CC card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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:
On XXXX XXXX I received a letter from PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. stating that my Driver 's License Number has two photo images of two different individuals on that record.I wish your office could find out when the fraud was formed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My complaint doesn't fit the predefined categories. I have medical debt that I owe and there was a judgement sent out they garnished my wages. An amount I couldn't afford. An attorney stated I can go bankrupt or offer a wage assignment. I opted for the wage assignment, {$150.00} out of every check. Last year I paid over {$3300.00} and this year {$750.00}. The debt started at {$6000.00} and they still say I owe {$6000.00}. I asked them to send and itemization of everything they have taken and what they applied it to. The rep said they do not have to and will not do that. I asked for the supervisor and received the same response and that more debts have come in. I said that's fine if you can justify it but I still want copies and they refused to send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Accelerated Receivables Management, 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: Account information incorrect

Complaint:
Accelerated Recievable Management Inc was reporting an outstanding {$25.00} balance they claim they purchased on an old school loan. Company was sent a certified letter on XX/XX/18, delivered and signed for XX/XX/18 and cashed XX/XX/18. 
On the check it was clearly stated cash to delete, along with this a letter was submitted asking them only to cash if they would delete acct completely within 30 days from all credit bureaus. Account is still showing on all credit reports violating the contract which became a contract upon cashing of said check. Also no corispondence whatsoever from said company.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-11
Company: Byrider Franchising, LLC
State: MD
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:
To whom it may concern, I am writing to request information about the account CNAC XXXX, on my credit reports XXXX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TekCollect Inc.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX in order to obtain documentation and information on my account. However, upon speaking to the manager of my account, XXXX XXXX, I was advised that they would not provide me with anything from them unless I made a payment, signed a piece of paper, took a picture of my signature and sent it to them. Then, upon receiving the image, I was advised, by XXXX XXXX, he would send me an email receipt. I advised him I could not make a payment yesterday and did not feel comfortable sending my signature in that manner. He laughed and said he would not send me anything and when I asked to speak to his manager or someone else he laughed again and stated, No, you will not be able to speak to my manager and my manager does not want to speak to you, call back when you are able to pay, until then, have a nice day ( continuing to chuckle ). When I tried emailing them through there website and social media accounts requesting to speak to someone other than XXXX XXXX, they blocked 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 2019-04-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Sent a certified letter to XXXX on XX/XX/XXXX Disputed several inaccurate inquiries. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX *XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX *XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX *XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX They mailed me back on XX/XX/XXXX, which with mailing times to and from gave them possibly 4 business days to actually investigate my complaint. I assume 2 days mailing time to and 2 days for them to mail it back. This is insufficient time for this company to actually properly investigate my complaint. By law The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order. 

I informed Equifax that I DID NOT give permission for these inquiries under any of the above affirmations. But the company decided to ignore my concern and tell me that I was my obligation to contact each company to get it removed. In order for information to be reported it is the duty of the credit agency to substantiate any disputes. They are unable to do so. I the consumer am stating that these inquiries was not factual or permissible from myself. They need to be removed immediately as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Lending Club Corp
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I closed my account with lending clubXXXX XXXX  However I had a {$500.00} transfer from my XXXX  account going into this account According to XXXX XXXX they said they would reject my funds and it would be going back into my XXXX  account. I have filed a case with XXXX  and XXXX bank and both banks claim they dont have my {$500.00} transfer which shows it left XXXX XXXX into XXXX  but no where to be found I provided XXXX  XXXX  with a Web ID number XXXX It was transferred over to XXXX XXXX account XXXX There is no way two major banks lose {$500.00} I need this investigated immediately and my {$500.00} returned

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Tried to reach out many times to get these issues taken care of with no luck

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 2021-05-06
Company: FCI Lender Services Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hired XXXX  law firm to assist with a loan modification with FCI Lender services , Inc XXXX XXXX 
XX/XX/XXXX XXXX advised me was approved for a loan modification and 1st payment due XX/XX/XXXX. Payment was made as indicated and on XX/XX/XXXX FCI lender services filed for foreclosure on my home. 
Prior to XX/XX/XXXX, it was XXXX XXXX XXXX  I originally began modification with and they requested I send {$7500.00} to began the loan modification process which I did and this was back in XX/XX/XXXX. So from XXXX to XX/XX/XXXX had been trying to get a loan modification from XXXX XXXX XXXX to no avail. I hired a law firm XXXX XXXX  XXXX XXXX XXXX law firm to assist and equally paid them fees. 
All monies spent and paid to both lender services and still getting foreclosed on. I need assistance please and urgently. Thank you

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 2019-03-26
Company: Colony Brands, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
ON XX/XX/2019 I APPLIED FOR XXXX XXXX APPLICATION NO.XXXX AND ORDER {$420.00}, ORDER NO.XXXX. THEY ATTEMPTED TO PULL XXXX   BUT AT THE TIME HAD A SECURITY ALLERT SEE ATTACHED.

Company response to consumer: Closed with explanation