BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The company, Nationstar/Mr. Cooper/RightPath Servicing, is still not honoring the loan modification agreement made to me XX/XX/XXXX. As of the date of their letter, I was not allowed to make payments online. I called and tried making payment on XX/XX/XXXX and was told the system wouldnt accept my monthly payment of {$1100.00}. I called the next day XX/XX/XXXX and spoke with XXXX XXXX and he also said i couldnt make a payment. Due to the system wanting the full balance in lieu of the modification agreement. I called Monday and spoke with XXXX. Still not able. I called the next day, Tuesday XX/XX/XXXX and XXXX was able to accept my payment by re-coding. The funds have been in a suspense account ever since. Unapplied even after Ive asked numerous times for it to be, and Ive been charged a let fee because they have yet to reallocate the funds. I was told to resubmit my modification paperwork, by XXXX XXXX. The next day his boss XXXX XXXX XXXX informed me a new copy of the loan agreement with original terms would be coming via XXXX XXXX. I mailed both in and even called to give them the tracking numbers, that i still have. On XX/XX/XXXX, I was called by XXXX XXXX and instructed to pay XXXX payments which i did on XX/XX/XXXX because the system wouldnt patch me through to anyone on XX/XX/XXXX when i tried making the payment. XXXX of which was for XX/XX/XXXX, which i was originally told to not pay so that the underwriters had time to process the numbers and any payment made in that time would cause them to have to start over and delay the process. So I now have XXXX payments of {$1100.00} ( {$3500.00} ) that should be going to my monthly payments that are in a suspense account that they wont reallocate while theyre charging me late fees on, as of this letter, and Im told that they would try to honor my modification but cant promise, when i have multiple correspondences where they admit their error and agree to honor the offer that THEY made me almost 14 months ago. ... XXXX payments. Right before XXXX. Just to sit in an account and not be applied so they can charge late fees. 14 months of them saying theyre going to honor the agreement, just to let a few weeks go by to say Ive been denied the modification legally agreed upon over a year ago. Please assist & let this serve as yet ANOTHER notice of THEIR error in need of correcting ... .again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
2019 attemted sue XXXX portfolio associates llc vs my self law suite case filed in XXXX tx court came home from work one day had my door bell rang an handed a law suite . 
called portfolio associates an asked them what the XXXX was going on was informed i either pay the debt or go to court. not one call or text or anything just boom here lets go to court an were going to sue you. i ended up making payment arrangements where they sent me nasty threatening letters to get me to make sure i kept up with amount of i forfeit what i paid an still owed original amounts. 

card was charged off an done with said credit card company. then i was being sued basically trying to squeeze in at statue of limitations in tx to force me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an XXXX XXXX  American Express Card. I paid a {$95.00} annual fee in XX/XX/XXXX for the remainder of this year and the beginning of next year. I just received notice that the card 's terms has changed and they changed the rewards my card. I told the card company I refused to accept the changes and cancel the card. They however, refuse to refund the {$95.00} fee and also are refusing to cancel my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: WA
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:
I actually have several problems with all XXXX credit agencys. In XXXX I purchased a home. At that time my XXXX XXXX was around XXXX or XXXX. Now in XXXX after paying all my bills on time, selling that house and paying all bills off .all credit agencies are showing my score at around XXXX. How is that possible? 

Along with that there are items on my reports that should have dropped off years ago but somehow never go away. 

XXXX XXXX is the worst at being able to get my report or score at all. 

All XXXX agencies mis up my brothers information with my information claiming he is either me or I am him. We have the same name almost. I am XXXX XXXX XXXX he is XXXX XXXX XXXX. Both born in XXXX XXXX North Dakota and have similar social security except our last XXXX. We have also lived together in different places. 

At XXXX point it was so bad we both wrote letters and sent in our ssn card our ids showing we are XXXX separate people etc. we sent them everything they needed but still these problems persist. Please help

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 2019-06-05
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home is located in XXXX Tx, where two counties charge me taxes which equal to {$4800.00} for BOTH counties which are XXXX and XXXX counties. XXXX county sends out a bill that includes both counties on it. Guild mortgage believes for whatever reason that XXXX County is XXXX in taxes and XXXX County is XXXX. I've explained and submitted paperwork for over a month ago showing a breakdown since the house was built of how much taxes are. Guild Mortgage has increased my mortgage payment first from XXXX to XXXX and now they have raised it to XXXX ( all in one the span of a year since I just purchased my home in 2018 ) because they think that my taxes went up to XXXX. I've explained many times, shown proof that homes in this area ( streets ) are not XXXX. They want more paperwork when they should be the ones verifying how the taxes are broken down for this home. None of the neighbors that I've spoken to have had this issue with any of their mortgage companies and they too pay two different counties and get billed the same way. I've called at least ten times and spoken to many people, some who understand the issues and they refuse to transfer me to the tax department and just tell me to email them but I don't get a response other than an automated one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I applied for unemployment benefits and I chose to get the money by using the Way2GO Card. I did not get the first card sent to me. I was able to call, talk to them and tell them my problem. They sent me a second card. When I tried to activate the second card it says the card has been blocked due to fraud. 
I have tried so many times to reach my phoneWay2GO Card by phone and I have not been able to reach them. I have called millions of times, different times and different days but it is not possible to talk to these people. Since I have not been able to register on line I do not have a pin number which they require every single time I try to call and follow the instructions over the the phone. 
I have not been able to get my money for a while now. 
I have been having this issue since XX/XX/2020. I would appreciate your attention towards this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX posted that I owed XXXX. I fought it due to fact it was not my to pay. They finally took it off of my credit report and several months later I seen they gave it to XXXX XXXX to try and collect. I am very upset concerning this. I have worked on my credit report for last 10 to 12 years to get my scores to above 700 and now this happen. Please review my credit again. I've never been late on a payment in several years. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : AMSHER COLLECTION SVCS Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: OH
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 following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. 

Federal Law overrides any company policy. 

Dept of EDUXXXX -account number XXXX XXXX XXXX XXXX bank - account number XXXXXXXX XXXX XXXX  XXXX XXXX -account numberXXXXXXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX account number XXXX XXXX XXXX -account number XXXX XXXX XXXX XXXX- account number XXXX XXXX- account number XXXXXXXX XXXXXXXX XXXX XXXX- account number XXXX XXXX XXXX XXXX an- account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX Unknown account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PBCAPIGRP- account number 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 2022-11-21
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 status incorrect

Complaint:
This account was closed months ago, yet is still showing as open on my Credit Report : XXXX XXXX. Please remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday the XXXX of XXXX I went use my ATM card and was unable to do so. I checked my Citibank app is said I had XXXX in account but XXXX available. I called bank and they said I had a hold on my account, and that it was under investigation and they would need me to fax some verification docs about my XXXX and that the investigation would take 24Hrs. I faxed articles of incorporation show when I started business. I called back the fallowing day to find out when founds would be released, and I was told 24 to 48 hrs. they where still investigating. Now its Monday and still nothing and they said I can't talk with the people that are doing the investigation and there's know time limit on when it would be done. Now I have no founds I have over XXXX in pending payment including my rent I'm very worried.

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 2020-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
FREE MSG FRM : CHASE BANK This is a secure message FRM Chase, We detected unusual activities on your online banking, someone may be attempting to access your Chase account. For security reasons, we have temporarily LOCKED your account. 
Note : Please state correct information of your Chase account to allow us confirm and protect your account, kindly visit the link below to Recover your account straightaway https : //drrosinaparker.com/Chase.com-Support-MyAccount-Recovery/ Thank you for choosing Chase. Do Not Reply To This Message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -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 2019-06-05
Company: EQUIFAX, 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:
I have submitted Identity theft report in reference to accounts open using my identity. After reaching out to Equifax I was advice what to do in order to remove accounts from my credit file. I took liberty of sending documents requested by Equifax in order to have information blocked/ deleted from my file. However, after being told from Equifax Fraud dept. information would be blocked it is still showing on my credit file. This matter has been on going for quite sometime now. I feel like a suspect instead of a victim. My life has been ruin, trying to obtain credit. I found out I was a victim of Fraud when I applied for a mortgage in 2018. I am reaching out to CFPB to assist me in resolving this issue. It has been a nightmare dealing with credit reporting agency. I have tried to resolve this matter amicably with Equifax. Now I am taking it a step further. Thanks for your time and attention in regards to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: MD
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 recently obtain a copy of my of credit report and noticed accounts and inquiries i did not authorize.

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 2019-06-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the past few years I have scheduled my Citi Mastercard payment through XXXX auto bill pay on the due date, the XXXX of each month or earlier if it falls on the weekend. I have had no issues until this past XXXX. The payment was sent electronically to them on the XXXX and they Citi claimed they received it on the XXXX and issued me a late fee of {$25.00} which was reversed after I called. I even scheduled on the XXXX of the month and they still received on the XXXX even though it was sent electronically of the XXXX. Apparently this continued for the months of XXXX - XXXX. I was assessed a late fee of {$25.00} for XXXX and {$35.00} for XXXX and XXXX totaling {$95.00}. I brought XXXX XXXX  into to file a complaint and to contact Citi for resolution as their records showed payments sent electronically on the XXXX. We spent over an hour with no resolution and multiple transfers to no one that could assist. They even gave us a different phone number to call that was not even connected to the 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 2019-06-05
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a large check on XX/XX/2019 and repeatedly asked four branches when the check will clear! I got several answers! 

All of it on XX/XX/XXXX! 

{$200.00} on XX/XX/XXXX! 

{$5000.00} on XX/XX/XXXX! 

Several more days after XX/XX/XXXX because it is a large check! 

Seems like XX/XX/XXXX! 

Dont know! 

It is not in the system yet. Call back tomorrow. 
Call our XXXX number! 

Incompetence all round! 

This is a bank? 

Time was of the essence because of an emergency need for the money! 

I was caused much distress and loss of hours of my time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX  - XXXX - Is reporting inaccurate information on my credit report. they are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with XXXX, as I have many accounts with them. I set up the auto draft and payments with a representative who actually made a mistake & put the payment toward one of my other accounts in error. I have never been late & I have & have had multiple accounts with you guys for as long as I can remember. I am a long time customer and this was not my fault. 
I would like this late removed due to their 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 explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 



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 The following credit inquiries are related to none of the aforementioned permissible XXXXXXXX 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 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 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 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 2021-03-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried to dispute this debt as it is not mine as I have no knowledge of it nor did I authorize it and it was opened without my consent and fraudulently. I have requested it be removed 3-5 times to no avail and have also frozen my credit so nothing else like this would happen to me again.

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