BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in an active short sale since XX/XX/XXXX with Mr. Cooper. We have advanced in the short sale process. Mr. Cooper is acting in bad faith and violating the dual tracking law cfr 1024.41g because while fully engaged in a loss mitigation process of a short sale since XX/XX/XXXX Mr Cooper has initiated a foreclosure sale date for XX/XX/XXXX meanwhile they are asking for a HUD to review for an approval and trying to take my house at the same time. These federal dual tracking laws are in place for a reason and it is clear as day that Mr. Cooper is in violation. My real estate broker contacted Mr Cooper and requested that they put the sale date on hold until the short sale is either approved or denied. Their response was they can not put a sale date on hold until a written approval is available. That is absurd! You accept my loss mitigation application, entertain the fully executed contract of sale, request all sorts of documents, and advise the short sale is in review but at the same time foreclose!!! Please assist me in this matter because I am trying to resolve this situation with the short sale and Mr Cooper and its law braking and abusive practices is  preventing me from this opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
i opened a credit card account with capital one back in XXXX of this year to try and fix my credit score and for some unknown reason they closed my account on me in XXXX and keep took money out of my bank account when there was no money in there to take out causing me to go in to an overdraft im struggling as it is and for capital one to do that is unacceptable im working with my bank to return the funds but capital ones actions need to be dealt with thats why im going to CFPB because you guys help with this sort of thing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Spring Oaks Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, SPRING OAKS CAPITAL sent false, deceptive, or misleading representation in connection with the collection of a debt. Documentation sent has no signatures and doesn't validate debt or constitute a contract. This documentation is not lawful evidence of indebtedness.

SPRING OAKS CAPITAL is also furnishing false and misleading information on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Synchrony Bank filed a complaint of an amount owed, for which I received a Civil Summons in XX/XX/XXXX. The amount due was in connection with a JC Penney credit card. I was not aware of this debt before receiving the summons. After receiving the summons, I called numerous times to find out when these charges occurred and what they were for. J.C. Penny credit department said I had a XXXX  balance   due on my accounts. Synchrony Bank said I should contact the collector, XXXX XXXX XXXX. 

We have probably spent approximately 20 hours over the last 9 weeks trying to resolve this issue, most of which has been on hold with the parties mentioned above, attempting to get information on the charges. That doesn't include the emotional stress caused by this action. I have been told multiple times that the information would be mailed, but I still have not received that information, and they refused to email anything. Instead, they sent only only two statements from 2015 showing a XXXX  balance due, and which do not include any of the charges in question. If an amount was owed, why can Synchrony Bank not produce a simple account history so that I can review the charges made on the account? My understanding is that these charges were from several years ago, and I no longer have statements for them. According to CFPB.gov, banks should respond to complaints in 15 days. I find that doubtful, since I have been trying to get basic account history information from Synchrony for 9 weeks, with no success, on an account for which they decided to take legal action against me.

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 2023-01-07
Company: EQUIFAX, 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:
Ive disputed several fraud items with equifax, they refuse to delete them and are violating the fair credit reporting act and other laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I requested from over a year to Experian to send me results on the disputes of XXXX XXXX and others by mail and they never had send, a single document explaining the investigation process or the details of the results, every time I call Experian the customer service representatives change the subject that I cant see those emails or any record I requested several times all this documents by mail and Experian doesnt want to listen to my request I sent more than 20 disputes and no answer any of those disputes by mail of the process or the investigation Experian is the only reporting agency violating my consumer rights This a very serious situation Experian should take this more serious Violating my consumer rights is illegal is a joke They are getting me really tired with all this abuse

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 2022-04-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I logged into my online banking account with Wells Fargo. I noticed four transactions made through XXXX in the amounts of {$490.00}, {$490.00}, {$930.00}, and {$990.00}. I immediately knew that this was a fraudulent act because I never authorized such transactions. I called my bank and filed a report with the fraud department. They opened a claim and changed all my banking information. However, I just received a letter that my claim has been denied and I am distraught. I keep all my banking information safe and secure. This was not my fault and I can not lose XXXX dollars over something I had no control over.

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 2020-12-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$1400.00}, {$2900.00}, {$3700.00}, {$4700.00}, {$2500.00}, {$5200.00}, {$2200.00}, {$2300.00}, {$5700.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- STUDENT LOANS 4. U S DEPT OF EDXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

5. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

6. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

7. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

8. U S DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. U S DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

10. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

11. U S DEPT OF EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I just came out from forbearance start paying and instead of my partial claim modification they start charging the past due I contacted them several times but issue still existI

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 2022-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As a result of frequent data breaches by various corporations, I set up as much multi-factor authentication as possible on all of my accounts, especially banks. USAA allowed me to set up facial recognition, but that functionality was removed around XX/XX/2022 as far as I can tell. To replace it, I set up biometric multifactor authentication ( thumb print ) and received an email indicating that I had done so in late XX/XX/2022. After a week, that authentication was removed without any sort of communication. I was able to set it up again easily, but it has shaken my confidence in their account security. I would prefer to use a separate authenticator with a rotating code, but they do not offer that functionality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
THIS COMPANY HAS LIED TO ME. THEY HAVE INCREASED MY RATE 5 % AND THEN CHARGED THAT RATE ON BACK PURCHASES. I MADE A COMPLAINT TO THIS OFFICE. American Express WAS ABLE TO IGNORE MY COMPLAINT. THEN THERE WAS A PROBLEM WITH A PAYMENT DUE BY XX/XX/XXXX. APPARENTLY IT WAS PAID ON XX/XX/XXXX. THE PAYMENT WAS PAID IN FULL AS TO THE OBLIGATION AND PAID IN FULL AS TO THE NEXT MONTH 'S OBLIGATION. THEN THEY DOUBLED THE INTEREST RATE. I COMPLAINED AND THEY PROMISED TO PUT THE INTEREST RATE BACK TO THE 15.99 % THE RATE THAT WAS INCREASED BY 5 %. I CALLED THE CUSTOMER SERVICE ON XXXX 19 AND THE SUPERVISOR TOLD ME THAT MY INTEREST RATES ARE NOW 20 % AND 25 %. THEY LIED AND CHEATED AND I AM HORRIFIED BY THIS COMPANY. I HAVE HAD AMEX CARDS FOR 25 YEARS AND THEY HAVE TREATED ME LIKE GARBAGE IN THE PAST 3 YEARS. RAISING RATES IN THIS FASHION IS AN ABOMINATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in active bankruptcy and have a past due balance. Through my bankruptcy plan, the trustee pays my monthly mortgage and an amount towards my past due, back balance. On XX/XX/2022 I submitted an application to The XXXX XXXXXXXX XXXX XXXX to assist with getting caught up with my mortgage. They approved my application and stated I was eligible for them to pay my back balance and 6 months towards future payments. XXXX sent the information to my mortgage company, Mr. Cooper on XX/XX/2022. According to XXXX, Mr. Cooper has the documents marked as received. I have called Mr. Cooper every week for the past 3 months trying to get them to submit the i-Record back to XXXX to finalize my assistance. This is a timed program and I am afraid I am going to miss out on the assistance. XXXX informed me to speak with the XXXX dept. Mr. Cooper stated the XXXX dept works behind the scenes and is unable to speak with me directly. I did speak to one woman directly several times, who was emailing the XXXX dept on my behalf. As of today they still have not completed the i-Record and sent it back to XXXX. XXXX also sent Mr. Cooper a delinquency notice, to let them know they have past the mark for a timely response. I have not heard anything from Mr. Cooper and I get transferred around to several different people if I call looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2018 I closed all of my accounts with XXXX XXXX including my XXXX card with TD Bank. When the XXXX account was closed there was no balance on the account. Since the account is closed, I have no access to the account. TD Bank has not been sending me statements. On XX/XX/XXXX I received a letter from TD Bank indicating my credit card account was past due. I called the number on the letter and asked if the TD Bank account was closed and I was told the status is closed. After about half an hour I was connected to a supervisor. She indicated that a charge was made to the account on XX/XX/2018 in the amount of {$190.00}. A second charge was made to the account on XX/XX/2018 in the amount of {$24.00}. The supervisor said she would waive the late fee and interest but I was still responsible for the charges. She said that TD Bank was required to accept the charges because I had done business with these merchants in the past and they had the account information including the expiration date which I have on my records as XX/XX/2018. Neither of these merchants contacted me about an additional purchase. If they had I would have given them a current account number that is active if they were selling something that I wanted. I never authorized a charge on a closed account. Its my understanding that once an account is closed and has no balance, no additional transactions are permitted on the account. Is TD Bank permitted to accept charges on an account with no balance that I closed after the account expiration date just because someone has the account number and expiration date?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I can provide all necessary documentation as well. I struggled with my health and loss of income during the COVID pandemic over the last two years. I was led to believe the loan modification applications submitted would assist me unable I became able to pay again. The representatives at US bank consistently assured me that I would end up with a lump sum to pay at the end of the forbearance. However, I received no notice other than a hand delivered summons to court on XX/XX/22. My condo is now being foreclosed without my knowledge ahead of time. I have to pay to attend court in two days {$220.00}. Please assist me in any way possible. The XXXX XXXX XXXX XXXX I pay association dues to also noticed me of eviction in two weeks I feel they want to quickly take my property without considering my rights and have been motivated by greed and XXXX discrimination. I can submit additional evidence documented 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 explanation
Consumer complaint received 2017-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
Upon being denied from a lender for too many inquires on my XXXX report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from XXXX, XXXX and Experian credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason : XXXX : 1. XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX  XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX XXXX XXXX Experian : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. 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 2019-08-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I opened savings account of $ XXXX with cash bonus of {$600.00} offered by Citi Bank. All term conditions were satisfied on XX/XX/2019 from my side however Citibank branch manger refused to pay the mentioned bonus of {$600.00}. Today I contacted branch manger by phone and his position in this matter did not change at all leaving me empty handed. Their act is an obvious breach of financial agreement and their deserve severe penalty. Many other people posted similar complaints regarding the same issue.

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