BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My FHA home loan was sold to Mr. Cooper approximately a month ago. I setup a password and 1 security question. I have since forgotten the password and when I request a password reset, I MUST answer the security question correctly, except after 25 attempts I clearly do not know my security question response. There is no other way to get a password reset. I called Mr. Cooper and each time I use the VR to request an agent I get a recording stating volumes are too high, the wait would be too long please call back later, with NO offer of a callback, the VR the drops the call. No voicemail message can be left. I have called back more than 10 times on different days and always the same message of volume too high, call back later and then the call is cut off. It does tell me I can service the loan on the web ( the irony! ). The last time I called it was 10 minutes before their stated close time and I received a message saying they were already closed. I am completely unimpressed with Mr. Cooper as a loan servicer. 

I can not get statements and I have lost an opportunity on a loan I was in the process of procuring because I could not provide my most current mortgage statement, since I am paperless and need to get them through the website. 

I am not late on my payment, as I did have the payment set up for auto-withdrawl.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Multiple Hard Inquiries on my TransUnion Report I did not request or Authorize.

XXXX XXXX - XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX XXXX- XX/XX/XXXX/XX/XX/XXXX XXXX XXXX- XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX/ XX/XX/XXXX- Also one on XX/XX/XXXX that I did Authorize XXXX-XX/XX/XXXX XXXX- XX/XX/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 2018-03-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Dear Sirs, Chase is having problems with their Electronic Fund Transfer, online payment on my account and I am thereby not able to have access to my funds or to send a payment from my internet using XXXX XXXX or XXXX browser. This has been going on for at least 24 hours or more. I need to have access to my money and make payments or otherwise, I will be penalized by my creditors. 

Their mobile app is not affected. 

I am a veteran. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to check the status of disputes or pull my annual credit report from equifax they keep saying they are going to fix the problem for months but have not. It keeps telling me the information i have entered is incorrect but it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Macy 's store credit card. In XX/XX/XXXX, XXXX XXXX took over the Macy 's credit card. SInce at least XX/XX/XXXX, a charge for a cash advance has appeared on my bill for {$550.00}. I never used a cash advance, in fact, the cash advance feature was never a part of my card features. The cash advance balance has grown to {$1100.00} to date. A rate of about 16.00 a month since the charge was first placed on my account, so a total of about {$1500.00} in interest since XX/XX/XXXX. 
This year, I really took note and took action. 
I repeatedly called Macy 's XXXX XXXX   customer service at XXXX. One agent confirmed I never had a cash advance feature, the other agents were of no help, I was on hold for 30-45 minutes, transferred and hung up on repeatedly trying to resolve my issue. On or about XX/XX/XXXX, I put in a dispute for the whole amount of {$1100.00} and Macy 's XXXX  claims to be investigating. I am XXXX   years old, I have XXXX XXXX and have to deal with this issue in between my XXXX treatments. I feel Macy 's is predatory and has not been a help. I want an investigation into the cash advance issue and a refund of all the cash advance amount and interest. 
I feel like Macy 's knows i am ill and is putting resolving this issue off and waiting for me to die.

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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 mailed in disputes weeks ago and the credit bureaus have not responded. The following accounts and inquiries do not come from anything that I have done.

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 2019-08-08
Company: EQUIFAX, 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:
Sent a police report and ftc report on fraud from someone stealing my identity and opening false accounts in XXXX 2019 for collection XXXX XXXX XXXX TXXXX XXXX # XXXX $ XXXX and Equifax did not remove from my credit report even when all evidence was presented. very detrimental to my credit profile and need to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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:
I had fraud alert on my three credit reports however somebody was still able to get up to 45 inquiries on my equifax I wrote and disputed it and told them it was fraud the other agencies helped me and removed them however equifax argued with me transferred me four times and then the manager hung up on me ultimately which was discouraging In addition I have uploaded the FTC report they requested by their dispute portal as well as I faxed it over and mailed it certified Mail they still are not refusing to remove the inquiries I have been calling every other day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
Santander company made an unauthorized inquiry on my credit report on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Transunion sent to the XXXX a letter responding my complaint that I have requested on 13 occasions validation, verification a/o any document bearing my signature and showing that I have a legally binding or contractual obligation for more than one year without any paperwork that proof the accuracy of that information. In a year in a year they could not send me a single document bearing my a sign An employees looking at their screen seeing my name listed in their database is not a valid verification of any alleged debt. 

Under section 611 ( A ) of the FERA Transunion is required to promptly delete all information with which can not be verified according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). 

Transunion require by Federal Law to verify- through the physical verification of the original signed consumer contracting and all accounts you post on a credit report, otherwise anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I request the removal of the account disputed because on 13 occasions youve been unable to provide me through physical verification a copy of the contract as a proof under the FCRA. That action had hurt my ability to obtain credit. 

XXXX XXXX  XXXX XXXX XXXX  XXXX See copy from Transunion answering a complain to the XXXX  They failed 13 to gave me proof of any documentations regarding this accounts XXXX and XXXX REGARDS, 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 2021-09-22
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: Account information incorrect

Complaint:
Dear To Whom It May Concern, On XX/XX/XXXX, I have contacted XXXX about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their XXXX XXXX/online charges. When I notified XXXX they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.

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 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has refused to update my paid credit account with XXXX XXXX XXXX. Account # ending XXXX, account # XXXX. 

I have forwarded Transunion a copy of the settlement letter from XXXX XXXX XXXX and a copy of my paid receipt. 

Their failure has lowered by credit score and they are violating my rights under the fair credit reporting act.

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 2019-06-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Ocwen loan number XXXX XXXX XXXX XXXX XXXX CA have been trying to get a loan modification my principal residence my husband is a XXXX XXXX XXXX veteran we are XXXX and XXXX years old. The home has been in my family for 67 years. I received a streamline mod of XXXX a month way more than we could afford on a veteran and social security XXXX income Ocwen/PHH knew it is not 31 % of our income. On the documentation there was a place to sign for a short sale on XX/XX/XXXX I signed it and procured a realtor. We received a great offer. Here is what happened next. They emailed today the day before my sale and said they did not have any documents In response to the email received I have now faxed 52 pages to them again at the number they provided. 
These same documents were emailed to Ocwen Mortgage On XX/XX/2019. On XX/XX/2019 I spoke with XXXX ( employee # XXXX ) at PHH Mortgage who advised loan transfer had not been completed, to call back on XX/XX/XXXX at which time ALL documents should be in the system. 

On XX/XX/XXXX I spoke with XXXX ( employee # XXXX ) who confirmed that ALL documentation had been received and that I would receive a phone call from the short sale Department within 2 business days ( i.e. XX/XX/19 ). 

To-date I have received no communication either by phone or email from the short sale department until XXXX this morning when they said they dont have the documents. 

I have NEVER been able to reach the Relationship Manager assigned to this file, XXXX XXXX XXXX either by phone or email. 
He has never responded to an email sent to him or to voice mail messages I have left. 

I find the " delay tactics '' being used by Ocwen/PHH Mortgage to be extremely unethical and am at a loss to understand why they would not wish to entertain an offer on a property. 

While sending this email, I was on hold waiting to speak to XXXX XXXX XXXX for the last 45 minutes - again I question if there overall intention is to provide assistance or not. 

Delay tactics no one to talk to? My husband and I are trying to do the right thing on a mortgage that is really not even valid. As far as I am concerned Ocwen/phh is stealing and we the senior citizens veterans normal people are XXXX forever. How can you not do something about this company? I thought you are to protect the consumer! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CITIBANK, N.A.
State: NJ
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:
Two accounts reporting on my credit do not belong to me. 
The accounts are from XXXX XXXX XXXX XXXX  with the ACCOUNT # : XXXX reporting on XXXX. The second one is from DSNB MACYS with account # : XXXX reporting on XXXX and 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 2022-04-25
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called US Bank to get my XXXX removed at the one year mark in XX/XX/XXXX. They were aggressive and abusive on the phone. They lied saying XXXX could not remove XXXX stating that law requires you to keep it longer. Finally I spoke to XXXX XXXX, their Vice President of XXXX XXXX. He told Me he would get it removed. At that point I had already paid for an appraisal ( they misapplied the funds- this comes up again later ). XXXX told me the XXXX  would be removed as of XX/XX/XXXX. About a month later I received a check from US Bank stating I had an overage. It was the equivalent of one months XXXX. Then in XX/XX/XXXX they sent me a mortgage statement but were adding additional costs that I didnt understand as my mortgage payment was fixed with no escrow account. Them I figured out by calling that they wanted the money for that XXXX  overage back, but were charging me 1/12 for the next 12 months. To make things clear, the first month, I mailed the mortgage payment and the extra 1/1XX/XX/XXXX payment separated so it would be easy to understand. They screwed it up. For the last four and half months I have been working to get their payments department to correctly identify payments so the XXXX  would be fully paid off. I mailed in full amount so I wouldnt be paying it off monthly for the next year. I have spent no less than 18 hours working with them to fix their errors. Last Friday I received XXXX notices of foreclosure. Today I received a mortgage statement stating I owe over {$9500.00} dollars. I have made every single mortgage payment. This type of problem is very emotionally distressing. On top of all this when we closed on out loan, 3 months later US Bank sent more new disclosures stating they had done the disclosures wrong during our closing. Im XXXX exhausted. I need the regulating agency to investigate US Bank and their abusive practices to their customers.

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 2018-08-28
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making on time payments under the Income Driven payment plan since XXXX XXXX. I have submitted employment certification forms from each of the " qualifying '' employers, the most recent being sent XX/XX/XXXX. I contacted my loan servicer ( XXXX XXXX  ) requesting a detailed list / number of qualifying payments. Currently they have me credited with making 35 " Qualifying Payments Made ''. There  were a couple of periods when my account went into hold/forbarance when new IDR payment was being disputed/calculated. However, in general in my records I have made at least 10+ payments per year since XX/XX/XXXX. That is a considerable amount more than 35. Not sure if this is due to my loans being transferred from previous servicer to XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Updating my previous complaint XXXX with American Express. 

I had left out a couple important details. 

1. American Express did not increase my interest rate until XX/XX/2018 however, these XXXX 's backed-dated the higher interest increase to my XX/XX/2018 statement. Trying to squeeze out every extra dollar they can. 

2. American Express also claimed my interest rate was increased due to a large returned payment in XX/XX/2018. This returned payment was part of a fraud claim I reported. In other words, that payment was not by me or from any of my accounts and AMEX own investigation came to the same conclusion as all charges and fees where credited back to me,.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally bank is showing me As paid late XX/XX/30 and this is not correct ally bank finance rep failed explained that this was an error in the payment processing on ally bank part and they would Assure I wouldnt not occur any late payment and Fees and now my payment shows late as a result of their processing 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 2020-12-18
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 {$8300.00}. 
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 on XX/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 ACCOUNT -- XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -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