BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over a year ago I petition this company Mr. cooper mortgage to remove my PMI. As the entire world has experienced housing prices going up. It is my assertion that mr. Cooper is engaging in malicious business practices in the XXXX XXXX  community. Where I live is 80 % -90 % XXXX XXXX. They charged me {$100.00} for a brokers prices opinion and used comparable sales that catered to their narrative to ensure that I could not remove their PMI. They also have inflated my escrow every year since I have been with them. Please engage the CEO of the company. They have priced my home at the same amount it was on purpose to keep charging my account. I have paid every payment in good faith and am at an equity point that the PMI can and should be removed but they refused to do so. Even their website valuation too and every single site that help with evaluation shows my home is work XXXX. But they can back with a price of XXXX in an attempt to make sure myself and XXXX XXXX  male is locked into paying more than my XXXX XXXX. This is malicious and needs to be investigated. When people of another race call for this same evaluation they are given a different level of service and consideration. They always turned around and solicited my to refinance. I wonder if I went and applied to refinance my home would they come up with a different valuation. 

The result : I am asking that mr. Cooper mortgage remove my PMI immediately. They have not reasons to continue to change this account as I am under 80 % Ltv by every logical measure. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Advance America, Cash Advance Centers, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made a payment online on XXXX- I should have only been charged one payment-but the system charged me for 2 months. I contacted customer service immediately, the agent told me the second charge would be reversed, but to wait since that day was a holiday. I checked the next day, XXXX- and no refund had been received. I have called back every day since the XXXX and have been told that Advance America `` Treasury '' would reverse the charge. This has not happened, and I am again on the phone with Advance today, on hold while sending this notice on XX/XX/10. 
I was told by one of the staff at the store where I got this loan " You are not the first customer to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Monarch Recovery Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had been phone repeating call from XXXX Monarch Recovery robocall. Never received written from Monarch Recovery nor are reporting any of my credit bureaus messages left on answered Machine. They a last name ask press 1 if that is name or press 2 if not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: SYNCHRONY FINANCIAL
State: AK
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:
per attached PFD file It appears personal ID information was used to fraudulent obtain a credit at SYNCHRONY BANK to make purchases. 
This account now transferred to XXXX XXXX XXXX as a debt collector

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 2020-05-15
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:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ON THE XXXX XXXX CARD ARE NOT MINE. I HAVE NEVER REQUESTED THIS CARD, I HAVE NEVER RECEIVED THE CARD THE CARD IS FRAUDULENT.

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 2019-08-15
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened the XXXX store card on XX/XX/XXXX with a promotional offer. I received my physical card in the mail on XX/XX/XXXX and I received my statement in the mail on the XXXX of XXXX. I went online today XX/XX/XXXX to create my account and pay my bill. I was assessed a {$27.00} late fee ( 33 % of my total balance of {$81.00} ) and was informed that the statement " closed '' XX/XX/XXXX and that my payment was due 23 days later on XX/XX/XXXX just 24 days later! How can this be? I opened the card on XX/XX/XXXX and just 25 days TOTAL later from the day I opened the card, the payment was due? Then they can charge a fee that's 33 % of the balance? 

I called and they reversed the late fee and said that it " depends on when the statement closes. '' How is a customer opening a card supposed to know when the statement closes? How can a statement close the day after the card was opened? How can a late fee be 1/3 of the total balance? 

I feel their practices are deceptive. I feel that they are putting people in a bad situation. I feel that if I wasn't as on top of things as I am, I would have been out {$27.00} and had a late mark on my credit. 

I would like this practice to be investigated both internally and externally as I can't imagine I'm the only one in this situation.

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 2020-05-21
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:
nquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX remove all the inquires

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 2017-08-05
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX,2017 Syncb/Walmart and Syncb on XXXX 2017 this bank pulled my credit without me authorizing them to do so.

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 2017-12-16
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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: Account information incorrect

Complaint:
I have called on several occasions to notify XXXX that they are reporting erroneously due to the fact that I have been on XXXX XXXX for the last 15 -20 yrs. I requested them to contact to verify and Bill the insurance company, they also have duplicate reporting of the same account information at which I have also requested they fix their error. When I contact the office all they do is attempt to collect the money completely ignoring my request to speak with the director of operations and or their compliance department, still have not been able to speak with anyone othet than the operator who answers the toll free number. As well as experian dispute process not reporting my statement accurately. I also tried unsuccessfully disputing thru experian back in XX/XX/2019. XXXX is the collection agency violating my rights under federal law

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 2020-07-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello Sir/Madam, I have several charges in my Chase account XXXX for last few months such as " insufficient funds fee '', as well as " incoming wire transfer fees ''. I was not given any disclosures, terms and conditions about those fees. 

They told me incoming domestic wire transfer is free when I opened the account. 

So I need them to provide disclosures about those fees that was given to me. If they don't have evidence of disclosure given please have them reverse those charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: MI
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:
Im going to attach these documents to support my complaint. XXXX XXXX XXXX is reporting this account to all three CRA I reached out to XXXX XXXX and this is what they said to me. They told me to reach out to the CRA to correct this information well when I did I got no proper investigation. So now XXXX XXXX XXXX can report an account that they have no proper documentation on no signed signature of mine ... Section 609 of the FCRA states you have to have proper documentation. XX/XX/2017 is when I started my disputes I got nothing back but these documents. What form of verification or steps did XXXX XXXX and Equifax take to investigate this account none of the CRA sent me anything on how they pro formed an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2019-08-15
Company: EQUIFAX, 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:
The attached letter has my issue and my XXXX Report number that was provided to XXXX XXXX that has unfairly increased my rates b/c of how XXXX reports revolving accounts. No one should be paying more for insurance b/c of XXXX  's reporting practices. Had they received their credit information from Equifax, who correctly reports that I have two installment accounts, my rates would not have been higher. XXXX also reports that I have 8 open revolving accounts, when in fact I only have two open credit cards. They include my credit limits of the closed accounts as available credit in their summary on my credit report and in the information they provided to XXXX which was then provided to XXXX XXXX. The " high credit '' reported is inaccurate. This has increased my insurance rates for the last 6 months. XXXX XXXX will not accept credit information from Equifax and therefore will not reduce my insurance or refund what they have overcharged me for the inaccurate credit reporting practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: Ascendium Education Group
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I've received a letter from Account XXXX XXXX XXXX who claims that Ascendium has authorized my employer to resume garnishment of my wages for my Federal Student Loans. 
XXXX XXXX has extended the pause on Student Loan payments and collections activities until XXXX, XXXX. I've previously had no dealings with this company and I want to understand how they're able to commense collection on a debt that I've been paying through payroll garnishment by the dept of Education until the original pause in XXXX of XXXX. 
The copy of the letter I received was sent to my employer and is dated XX/XX/XXXX Please advise what recourse I have in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please forgive me but I want to make a disclosure to you because I don't want to come off as deceptive. I attempted to make a complaint in XXXX but your website would only allow me to make a complaint in English. To this end, I am using a translator who is filing this complaint on my behalf while I am present to convey my words to him. I hope this is enough for you. 

The nature of this complaint is that I am tired of fighting an account with XXXX. For years I have been contacting XXXX because I keep receiving collection notices from various different collectors saying I owe XXXX money. For years the collectors have removed the account from collections only for the account to reappear with a different collection agency. Every time it does, I call XXXX  and they swear I do not owe them money nor do they have any records of me owing them money. In the end I still have the account appearing on my credit report and hurting my credit. What am I supposed to do? I'm not familiar with procedures to go after the companies who are trying to mess with me and I'm not a person who likes to run to the courts for something which to me seems so simple. 

Can you please stop XXXX from either lying to me or to get them to call the collection agencies who are reporting XXXX collections and stop them from pursuing something I don't owe. If I really don't owe these bills, which I know I don't, then they shouldn't have a problem contacting people committing fraud in XXXX XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 we tried to use our credit card out of the country to find out it was closed. Called Capital One XX/XX/XXXX and was told that " I had called to request a new credit card, but could not provide all the information required, so it was requested by the called to be closed ''. I did not make any phone call for my account to be closed. Capital One closed my account because someone phoned in and could not provide all the security questions and requested to close the account. 

Without actually verifying that the person trying to close the account was the actual owner of the account, they closed it without any security checks or diligence on their part. 

Called back on XX/XX/2019 because the account had $ 150+ dollars in rewards earned, but they were unable to help. They also verified per. voice recordings that the person who called to close the account was indeed not me ( owner of the account ). 

Although there is fault in their security and fraud protection I am still penalized for their inability to protect their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: OH
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 Not my account. Please Verification and Method of Verification. 


XXXX XXXX # XXXX Payment history and dates OPEN and Status are inaccurate, please provide verification of late payment  and method of verification. 

XXXX XXXX # XXXX Payment history and dates OPEN and Status are inaccurate, please provide verification of late payment  and method of verification. 

XXXX XXXX XXXX # XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and validation of debt. 


XXXX # XXXX I was never late, please provide Method of Verification of late payments.

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 2019-05-29
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
HI. 
Dear CFPB.You did not solve the problem.You are keeping the side of mortgage company.In spite that i send 5 email they are unable to solve problem.I can not understand that you do not know the law.Property tax/assessment value/ in CT is set on per year, and can not be change in the middle of year.They change tax in the middle of the year.They ripp me off.I am asking you, what the next..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: IL
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:
After reviewing my consumer credit report I discovered several fraudulent and inaccurate accounts.

Company response to consumer: Closed with explanation