BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage account for them was under forbearance until XX/XX/2021, at which time I made three consecutive payments for XXXX, XXXX, and XXXX. They then confirmed we would proceed with loan modification and would send the paperwork to me 30-45 days afterwards. I have called several times and they concede this has not happened and asked for more time. Every month I incur extra accumulated interest, since the interest rate on this loan is 2 % higher than what I will get when I refinance. Nationstar/Mr Cooper accumulates interest owed every month they delay. Moreover, I am totally unable to refinance this mortgage and other mortgages until this is resolved. It is artificially impeding my credit score while they reap an absurdly high interest rate ( 5 % on a 20 year fixed ). No offer to refinance has been made and I incur thousands in additional interest costs as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX, Transfer my mortgage to a next company and for some reason they reporting on my credit report as delinquency and late payment which is incorrect I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open end consumer credit 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 2019-06-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Opened : XX/XX/2019 ( 3 mos ) Account status : Open Type -- Responsibility : Individual Remarks : Placed for collection Original creditor name : XXXX XXXX XXXX {$1000.00} Reported balance. 


Theres two collections of the same amount. I went through XXXX to dispute the accounts but no change. Then I recieved a letter of medical fraud taken place on my information.

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 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated an international wire transfer with Bank of America to XXXX XXXX XXXX on XX/XX/2020 and was charged {$45.00} to do so. The money was not received by the Payee. XXXX XXXX attempted to investigate using the transfer information I provided : WIRE TYPE : INTL OUT DATE:XXXX TIME:XXXX ET TRN:XXXX SERVICE REF:XXXX XXXX : XXXX XXXX XXXX IDXXXX XXXX XXXX : XXXX XXXX XXXX ID : XXXX PMT DETXXXX XXXX WEBSITE DEVELOPMENT XXXX XXXX. 
XXXX XXXX requested an MT 103 form which I requested from my business bank representative who could not provide it and referred me to the toll free number where they did not have the information either. The XXXX XXXX  representative then wanted to talk to a representative from Bank of America so it could be sorted out, but my rep was not willing to do it and referred me to the wire transfer toll free number where there was not a way to assign a contact person ( they only answer calls ). 
I then paid for a wire trace : WIRE TYPE : BOOK OUT DATE:XXXX TIME:XXXX ET XXXX RELATED REF : XXXX XXXX  : COMMISSIONS IDXXXX PMT DET : INVESTIGA TION FEE XXXX XXXX for another {$25.00} on XX/XX/2020. 
I was told I should hear back in 2 to 3 business days. I still had not heard back and complained to my business rep 1 week after the trace. The rep, once again, did very little to help ... .. and referred me back to the toll free wire transfer toll line. In the meantime I was forced to pay the vendor {$4400.00} dollars to keep our project moving forward. 
I sent a written complaint 2 days ago and after pursuing the case again today, there is still no progress in finding the money. I'm utterly frustrated and feel powerless to recover the money. It has been 6 weeks and {$75.00} in fees to lose {$4400.00}, pay an extra {$4400.00} with a different bank + fees, spend hours of time on the phone only to receive terrible customer service. This is all without mentioning my embarrassment with the vendor who was working in good faith.

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 monetary relief
Consumer complaint received 2020-07-13
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple letters to National Credit Adjusters about a debt on my credit report that they said that I owe their company. On my credit report, it states I opened an account with them on XX/XX/2019, in the amount of {$1200.00}. I have reached out to the credit bureau to do an investigation as well. They are also are not sending me any documentation with my actual signature or a contract to provide that the debt of {$1200.00} belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: MO
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's an account ( XXXX XXXX ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: HANCOCK WHITNEY BANK
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home on XX/XX/20 with Hancock Whitney Bank in XXXX, Alabama. The parties I dealt with were XXXX XXXX and XXXX XXXX. XXXX offered to match loan terms with a competitor that offered a rate with no bank fees whatsoever, or so she said. This was after shed failed to lock at a lower rate after requesting to do so. Bank fees kept showing up on all the disclosures but I was told over and over, dont worry about it, itll all be fixed at closing. I was even asked to sign a Closing Disclosure that I told her I couldnt she. After telling her that, she said again, dont worry, its fine, just sign it, Ill fix any problems that show up. Shortly before closing, in a rush, I start receiving docs and the fees were still there. Nearly {$1200.00} worth of fees and $ XXXX of padded interest on the loan they were refinancing, well beyond what was needed. I asked to have the fees removed as promised multiple times, and she stated she never said that the loan wouldnt have any fees, despite confirmation from parties that heard her tell me the same over the phone. I took it up her with her superior, and he stated that he could fix it, but would not. He was aggressive and rude and intentionally dragged out corrections to the file so that I was forced to accept them as written or miss my rate. I asked multiple times to pay my closing costs by check at closing rather than finance them, and they intentionally ignored that request to drive the loan amount up and refused to fix it as we approached closing. I would recommend everyone RUN from this bank as quickly as possible, especially those two people at that bank. Expect fraudulent practices and lack of concern for your wellbeing or any type of real service on your behalf. Its only about how much they can make off of you before you notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my second complaint against Fay Servicing and it has gotten worse. The level of customer service has been poor and rude. I have reached out since the beginning of XX/XX/XXXX and has gotten no where. My account manger will not call me back after several voice messages being left. I have talked to other team members and same thing have gotten no where. I have recently left a voice message to the supervisor of the account manger. 
The successor in interest department is doing a terrible job in updating my account with requested documents. I was advised to send in documents proving my identity and relationship to the borrowers. I have sent my drivers license, birth certificate, a copy of the guardianship papers stating I'm the guardian over my dad ( owner of the house and on the deed ). I have sent in court documents of me having filed a motion in the foreclosure case. 
I received a letter this month ( XXXX ) asking for a death certificate for my dad. How upset I was to read and receive this letter. My dad is alive and I'm not sure why and how they got the notion my father was deceased. It leads me to believe that my account manager, the legal department, and the successor in interest department, either  doesn't care or can not comprehend legal documents. Having served guardianship papers doesn't mean my father is deceased. I was appalled to receive such a letter of request. 
I try and call in and explain and I get the same thing " Maam we  need the documents listed '' I live in the property and have since XXXX. I want to retain the property and assume the loan. Fay servicing is trying to delay and move forward with the foreclosure action set for XX/XX/XXXX. Which is unfair and disheartening, America is in a pandemic and things that were accessible through the court or online is not accessible now. I have provided everything I could and yet has access to anything or my identify proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2023-04-02
Company: Experian Information Solutions Inc.
State: NY
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 two hard inquiries on my Experian credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) There are two hard inquiries on my Experian credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) ( a ) It's not my as look at in the last two years with Experian mistakes on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: TX
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:
I communicated with my lender and discussed about how i can make my payments without getting higher interest rates. Please verify and delete this student loan.. ITs a misunderstanding, not paid late..Fix it US DEPT OF ED/XXXX XXXXXXXX

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-05-18
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX finance is account is closed and 7 years and 2 months old. Balance is XXXX. No payment history. Why is this still showing on my credit report??? What is this showing the credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: Insight Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21 at XXXX XXXX  XXXX XXXX XXXX I was contacted by XXXX XXXX XXXX Insight Management Partners about a debt owed to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed the company may have secured my telephone number from the XXXX I believe this company got my telephone number either from the dark web or from lists of phone numbers obtained through hacking of social media sites such as XXXX. If Insight Management Partners obtained my telephone number through these means, the company should be investigated and a class action lawsuit should be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to bring to your attention a concerning issue regarding unauthorized ATM withdrawals from my bank account, as well as the subsequent denial of my claim by Chase Bank. I kindly request your assistance in resolving this matter and seeking a fair resolution. 

On XX/XX/XXXX, I discovered several unauthorized ATM withdrawals totaling {$4200.00} from my bank account. These withdrawals were made in increments of {$200.00}, which is not consistent with my banking habits. Recognizing this as fraudulent activity, I immediately reported the incident to the fraud department at Chase Bank, who assured me that the money would be reimbursed pending an investigation. 

To my surprise, on XX/XX/XXXX, I noticed that the bank had deducted the reimbursed amount of {$4200.00} from my account without any prior notification or explanation. I reached out to the bank to seek clarification and was informed that my claim had been denied. However, despite my repeated requests, the bank representatives refused to provide me with a clear reason for the denial, leaving me in a state of confusion and frustration. 

As a loyal customer of Chase Bank for several years, I have always maintained a responsible approach to my banking activities. I have promptly reported any suspicious transactions in the past and have diligently followed the necessary procedures outlined by the bank. However, the current handling of my case has left me feeling unheard and unfairly treated. 

I believe that it is my right as a consumer to receive a thorough explanation regarding the denial of my claim. I request the Consumer Financial Protection Bureaus intervention in this matter to ensure that justice is served, and I am provided with a clear understanding of the banks decision. I also seek your assistance in facilitating a fair and unbiased review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A {$29.00} late fee has accumulated to nearly a {$200.00} in extra fees on a 18 month- DEFERRED INTEREST XXXX   XXXX  credit card loan. The additional fees make no sense. But they do smack of the insidious and greedy pattern that banks have practiced forever. Some 20 years ago, California and indeed nationally, most banks got busted for this kind of activity. And halted it when the law came down on their heads. 

Barclaycard is trying to initiate the same sort of semi-legal, sneaky and wholly unethical practice yet again.

Here are the details : I purchased a computer at XXXX  with a Barclaycard XXXX  XXXX  credit card which had ZERO interest for 18 months in XXXX XXXX. The 18 months interest free period will be up on XX/XX/XXXX. I called today ( XX/XX/XXXX ) today to pay off the credit card loan. The amount Barclay Card claims I owe is {$190.00} more than I owe. 

I signed up for the card in XX/XX/XXXX. I purchased a computer, which didn't have the specs I wanted and was returned. I purchased another computer in XX/XX/XXXX. 

I borrowed {$2000.00}. I paid the minimum amount toward that purchase, which was {$27.00} per month, later it was increased to {$29.00} per month. I set up an automatic payment soon after I got the card. Total amount I paid was {$530.00}. 

I should owe {$1500.00}. Barclaycard Manager, XXXX ID # XXXX claims that I owe {$1800.00}. That's {$190.00} more in extra fees. The Barclaycard Rep said that there was a late fee in XX/XX/XXXX for {$29.00}, on the first auto payment. They were authorized to charge my Chase Bank Visa card. I didn't send in payment. It makes no sense that there would be a late fee, period. 

Barclaycard Manager XXXX claims that the {$29.00} late fee has accumulated interest of 13 % totally {$6.00}. It makes no sense how those fees added up to {$190.00} in extra fees. 

I've called Barclaycard customer service many, many times. I remember I called several times because the amount that the auto recording claimed I owed, was more than the amount I owed. I spoke to a customer service rep who looked into it and told me that the amount the auto recording claimed I owed was wrong. He said not to worry about it.

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 monetary relief
Consumer complaint received 2022-02-01
Company: Law Offices of Robert J. Colclough, III
State: CA
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:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation