BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Number XXXX Property Address XXXX XXXX XXXX XXXX, XXXX XXXX, WV XXXX NationStar : XXXX Starting XX/XX/XXXX, I established up a bimonthly payment process to maximize my payments against the interest for the year for a secondary property. The XX/XX/XXXX payment was not processed correctly because, according to Nationstar Mortgage LLC a subservicer for XXXX, their systems aren't able to process bimonthly payments. I have a mortgage with XXXX XXXX for a primary residence and not having an issue with them. 

This is what happened with Nationstar : My initial payment transmitted on XX/XX/XXXX electronically. Because it was a half payment, Nationstar applied it to XX/XX/XXXX as a principal payment. Because Nationstar processed it as a XX/XX/XXXX payment, I started receiving phone calls from Nationstar, even though the grace period through the XXXX of the month, hadn't passed, advising me that I was delinquent. On XX/XX/XXXX, I received a letter stating that I was delinquent for the month of XXXX. On XX/XX/XXXX, the second part of my payment was processed for the XX/XX/XXXX payment. On XX/XX/XXXX, Nationstar generated a letter stating that I was assessed a {$15.00} late fee on my account, my account was delinquent and placed the 2nd part of my payment in an unapplied accounts fund. 

On XX/XX/XXXX, I contacted Nationstar, they advised me that their systems can't accommodate bimonthly payments. They had to move the 1st part of the XXXX payment that they applied to XX/XX/XXXX to the XX/XX/XXXX payment and removed the {$15.00} late fee. They advised that I should pay more each month to accomplish what I am attempting to accomplish to save on interest since their systems can't accommodate. 

Because Nationstar can't accommodate bimonthly payments, they aren't depositing funds into my account when processed to prevent further accrual of interest against the principal on my accounts ; therefore, penalizing the customer for system issues that they can't support. 

I attempted to escalate to the XXXX Executive Team, but was transferred back to Nationstar Executive Team. I am requesting that XXXX XXXX XXXX XXXX, Nationstar Mortgage LLC, XXXX TX be investigated for their payment processing practices. The loan papers do not indicate that bimonthly payments can not be processed and that full payments are expected or funds will be put into an unapplied accounts fund. 

I can supply copies of correspondence if it helps in the research.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Honda Financial states that because payments online were late that as company policy that they no longer allow access to those customers to make their payment through their online portal for 12 months. 

I asked for a manager to restore my online access to pay and I also inquired where in my contract did they advise me about this discriminatory treatment for certain customers and not others to make their payments online. 

I inquired as to the legality of that decision to lock customers out of their online payment system and where in the contract that I signed am I warned that the policy of the company is to discriminated against as a late paying customers and force them to pay in addition to the fees that are usurious in excess of {$1800.00} of late fees that have been charged onto this account. Now i am being forced to pay an addition $ 4-12 to make payments using XXXX XXXX This company needs to be sued in a class action for blocking only certain customers but not all customers from using the online system to manage their account payment portal. it is a deliberate manner of rejecting customer payments and making the company charge additional fees onto certain customers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
I am a longstanding Bank of America, XXXX XXXX holder. What legal merchandise I choose to buy with any of my credit cards, bank accounts, or cash is my business, not that of any financial institution. BofA recently announced that they would block/disallow purchases of firearms that their customers in good standing attempt to purchase legally using their cards ... unbelievable! What's next? Monitoring our statements to see if we've purchased adequate amounts of brussel sprouts in the previous months? And to make matters worse, this is the same BofA that received taxpayer funded bailouts during the last presidential administration when their many Collateralized Debt Obligation investments imploded on them. As a customer of standing on this issue, I ask that this complaint, and others like it, be pursued with all possible enthusiasm. I, and others like me, are watching, and anticipating remediation, of this attempt at extra-constitutional behavior in America 's financial sector.

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 2017-11-25
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Number XXXX XXXX repeatedly calls regarding a debit collection. To my knowledge I have no outstanding debt. Research into this number shows that it is scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a loan with my bank and find out that there has been a freeze or fraud alert put on my accounts with experian and XXXX. I contacted both reporting agencies and they said the I or another credit reporting agency requested to have this fraud alert placed on my credit and they refuse to remove it without sending a complicated letter including tremendous amounts of information making it extra difficult for myself to access my credit. Why they do this I am not sure but from my research this is happening to alot of people. 
Really all I want is the freeze or fraud alert removed from my experian and XXXX credit reports. 


Thank you XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2020 I went to what is identified as " XXXX XXXX '' in XXXX, Ca. I was actually at a XXXX dealership owned by XXXX XXXX in XXXX, Ca. I went in and informed the sales representative that I already had a loan approved through my credit union, which this dealership does deal with through XXXX XXXX. She said that was fine. Through the process she brought in a credit application and I asked her why I needed to complete this as again I had my own financing through my credit union, she told me " it was procedure, that I had to complete the top portion of the application and sign it '', which I did. On XX/XX/2020 I received a denial letter from XXXX XXXX XXXX stating that had " declined my application '' from XXXX XXXX. I was furious as I had specially told them I had my own financing. I called the finance manager that I dealt with and he stated he didn't know why they had me complete the application since I had my own financing. He would find out and get back to me. I informed him I wanted a retraction letter sent to XXXX   Credit Bureau immediately and that I wanted a copy of the letter emailed to me. Needless to say I never received the letter. On XX/XX/2020, I received another denial letter from XXXX XXXX XXXX. I called XXXX XXXX and they informed me that the dealership prompted the loan approval. I also received another letter from XXXX XXXX on XX/XX/2020 stating that the " counter offer was not accepted ''. 
I am furious over this and I want all inquires that have been put on my credit taken OFF immediately! I work hard to keep the credit score of XXXX that I have and they had no right to prompt any kind of loan inquires on my behalf without my knowing and approval. If they are going to tell you that it is due to the Patriot Act, I have researched and found that it is illegal and not necessary. 
I am requesting help in getting this matter resolved on my behalf as it is obvious that the dealership has no intentions in making this right. 
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 2021-09-12
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I have a complain to different gov agencies but Iwas hoping to receive help from CFPB because citibank send my money to XXXX XXXX  XXXX and XXXX on XXXX I have called citibank and someone named grace confirm that i have sent to XXXX XXXX XXXX XXXXXXXX XXXX and this account still active with them. Why they do not compliance with regulations. I know they should have frozen their funs and investigate. As customer I was told no rights and they protect scammers information. Court subpoene cost per hour distance Why citibank said they did wire to XXXX XXXXXXXX XXXX XXXXXXXX XXXX and on the letter of XX/XX/XXXX, mention this XXXX XXXXXXXX and XXXX. Who order to paid them I did not Appreciated if you could help I do not know this bank and where ( conuntry and city )

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 2021-09-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I AM WAITING FOR MORE THAN  360 DAYS. PAYPAL CLOSE MY ACCOUNT  WITHOUT ANY REASEON.
PAYPAL SAID  AFTER THE SECOND REVIEWER  MY MONEY WILL BE RELEASE  .
AT THIS TIME I NEVER RECEIVED ANY CHARGE BACK INTO MY ACCOUNT.

I WILL APRECIATE IF PAYPAL RELEASE MY MONEY.
PAYPAL HOLD THE MONEY AND THEY MADE MONEY FOR HOLD BY 180 DAYS  BUT THAT EARNING DO NOT SHARE WITH ME .

SO , I HOPE YOU ABLE RELEASE MY MONEY NOW .

PAYPAL SHOULD NOT LIE TO PEOPLE , JUST RELEASE THE MONEY OR MADE ME A REFUND.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: MI
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:
Experian Agency doesnt have any investigation personnel. Experian only ask the furnisher to Update the dispute or remove the item. So most furnishers push update. Why not Experian does not regulate them. 
My issue is Experian let a debtor name XXXX XXXX enter an account for a credit card for XXXX XXXX that has a 1 month term and no late payment history and open XX/XX/XXXX then closed XX/XX/XXXX that will remain on credit report until XXXX. 
This is a Scam. XXXX XXXX is just telling Experian that they will pay them extra money to over look this item to not follow the law by not presenting a payment history, closed in what status Good never been late and the terms for the credit card says 1 month. Who has an 1 month term credit card from XXXX XXXX  as listed on my credit report and the beginning amount of the credit card is not listed? By Experian not having an investigation personnel for Debtor entering items on credit report the Debtor just pay Experian and they will place any thing on Creditor report. Experian took 20 points off my credit score and will not return them. 
I never open an account with XXXX XXXX  XX/XX/XXXX. XXXX, When an account is late- closed it takes 6-9 months before the Original creditor to close an account. Experian did not check dates. XXXX XXXX owes me money under the FCA and FCRA {$1000.00} Experian did this damage to my credit score it is your fault for not reading the documents Debtors send contracts that has no late payment history, 1 month term credit card by XXXX XXXX  stay on credit report until XXXX ( 5 years ) not Experian rule 7 year rule. Original Creditor does not list how many days late with a date of last payment and reason why closed also not following Public Act 6-9 month rule closing late payment accounts. This is why we have Identity theft because of Credit Reporting Agency. 
Document sent 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 explanation
Consumer complaint received 2021-09-12
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

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 2021-09-12
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

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 2021-05-08
Company: EQUIFAX, INC.
State: TN
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:
Account Name : US DEPT ED Account # XXXX and XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I'm not sure how I was late in those months. I have paid this account on time during those months. I could have gotten my statements late. I also see the date of last payment being reported inaccurately. XXXX is reporting XX/XX/XXXX while Equififax is reporting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error.

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 2022-10-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contact LVNV FUNDING also known as Resurgent capital services on XX/XX/2022 and discuss the collection amount on my credit. Customer service name XXXX XXXX on the phone negotiated with me to pay XXXX XXXX for XXXXXXXX XXXX collection amount on my credit. They assure me over the phone that if I can pay XXXX $ collection amount on the credit will be considered as paid in full and it will be removed from my credit. I manage to get XXXX $ and sent the cashiers check to resurgent capital but they refuse to take it off my credit instead they demand XXXX $ from me.. I feel this is the false statement on behalf of a debt collection agency. Due to this collection I am having difficulty finding housing and job in this tough economic times when everything is so expensive. I have to pay insane amount of extra interest on anything I need .. please held this debt company responsible for making false statements and ripping off hard working people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: SUNTRUST BANKS, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I never received my escrow statement along with the refund check for {$77.00}. I contacted SunTrust by phone and after almost an hour wait the agent said they would reprocess the escrow statement and check and it should get to me in the next 2-3 weeks. I waited over a month and had not received the document or check from SunTrust even though my escrow account was debited back on XX/XX/XXXX. I followed up by sending a secure message through online banking on XX/XX/XXXX and the only update I received was directing me to a site that no longer exist to receive updates. I would like a copy of my escrow statement along with my refund check I am due.

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 2022-08-11
Company: Chime Financial Inc
State: AR
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:
XXXX XXXX XXXX XXXX first charged my account on XX/XX/2022, for {$200.00} ( unauthorized payment ), I contacted XXXX XXXX-Chime reported the issue and was granted a provisional credit on XX/XX/XXXX for {$200.00}. On XX/XX/2022, again for a second time XXXX XXXX XXXX XXXX utilized my stored debit card numbers to take {$200.00} ( unauthorized payment ), I again contacted XXXX XXXXChime. They suggested that I contact the merchant ( XXXX XXXX XXXX XXXX ), I did speak with the business Manager who confirmed that I wasn't in the system as a client receiving services. She continued to say XXXX XXXX XXXX XXXX had a new system for billing, she suggested that I contact Chime to see what Chime could do on its end because she stated, she couldn't see in her system where I was being billed. 

I spoke at length with the Chime representative about this matter and asked that they block or whatever needed to be done to keep this business from having access to my checking account. 

Again on XX/XX/2022, for a third time XXXX XXXX XXXX XXXX again utilized my stored debit card information and took {$200.00} ( unauthorized payment ). I reported the transaction as soon as it had cleared ( Monday XX/XX/2022 ). I received an email from XXXX Bank-Chime on XX/XX/2022, stating that my dispute of the charges was denied and that I needed to provide additional proof that this was fraud ( police report, Hospitalization/Incarceration Records Proof of Location ( such as time sheets, GPS, flight records, travel receipts, hotel booking information ). 

XXXX XXXXChime allowed this business access to my banking information/account to access funds when I really needed them, causing extreme financial problems for me. It wasn't until the third time that I reported this situtation involving the same company, that Chime sent me an email saying through investigation they had determined my account had been compromised and my card was cancelled and a new card sent out to me. XXXX XXXX  then for retaliatory and unethical reasons refused to return my funds and put forth impossible hurdles for me to have my money returned to my account.

Company response to consumer: Closed with explanation