BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To set up bi-weekly payments on the mortgage, the mortgage servicer charges a {$2.00} fee each time a payment is made - so each month you are charged a {$5.00} a month fee, and on months when three payments were made, you are being charged a {$7.00} fee. This seems like a UDAAP and possible Fair Lending Violation as I am being charged a fee to " pre-pay '' my loan with bi-weekly payments. When another servicer serviced this loan, there was no fee for this service. My loan terms currently state that there are no pre-payment fees, and by charging a fee to pre-pay my loan through bi-weekly payments, this practice seems deceptive and arguably to the customer. Over the life of a 30-year loan, these fees calculate to {$1900.00} which is more than a monthly payment. While I understand there would be a fee if you called in to make the payment on the phone, this is not a convivence fee as you have to agree to auto drafts as per the agreement to set up the bi-weekly payments. 


I have launched a formal complaint with Mr. Cooperover the phoneand the case identification number is XXXX. I have also opened a case with the NC Commissioner of Banks ; the complaint number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: PA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Carrington Mortgage Services offered me a streamlined refinance with no credit check, no income verification, and no appraisal. I was told twice via email that there would be no credit check. When filling out the application, I specifically DID NOT give consent to perform a credit check. Two days later I got a notice from XXXX that Carrington Mortgage had performed a hard inquiry on my mortgage file. Carrington also performed a hard inquiry against my wife 's credit file. We both have great credit, and they offered us a mortgage refinance, but they were dishonest and lied about accessing our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Tried to make a transaction to buy concert tickets.. Never received tickets to XXXX  account.. the fraudulent party then blocked my number.

Called Chase Bank as transaction still showed pending.. Chase said it was to late and money had been sent. There were no disclaimers on the site that said transaction was immediate.. only if both had a XXXX account which gave me comfort that there would be a hold.. not the case..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company ( Roundpoint Mortgageg ) misread the Flood Insurance coverage dates for my condo and incorrectly determined I did not not have coverage. They subsequently purchased coverage for my condo and the entire association and increased my monthly payment by {$1000.00}.

The coverage is in place via the Condo Association. I have sent the mortgage company the the Flood Insurance policy the condo association has with proof of coverage. They have acknowledged receipt of the XX/XX/XXXX page. I have called numerous times and explained the situation the insurance coverage purchased by the mortgage company be removed and my monthly payment be corrected. I have been told that they will correct the issue and it is still not fixed. Dates below : XX/XX/XXXX - I first called to ask why my payment increased. They stated I did not have flood insurance. I told them this was purchased via condo assoc, They told me to send copy of policy. 

XX/XX/XXXX - Insurance Company sent me a confirmation that a copy of the policy had been sent to mortgage company via mail.

XX/XX/XXXX - I emailed a copy of insurance policy to mortgage company. I also called mortgage company and they said I also needed to submit escrow waiver request. So I also emailed escrow waiver request on XX/XX/XXXX.

XX/XX/XXXX - I received an email confirmation from Mortgage company that they had received the copy of the insurance policy.

XX/XX/XXXX - I called the customer service number and the rep said the account should be updated within 7 days. It was not.XX/XX/XXXX - I called the customer service number and the rep again said the account would be updated in 7 days. It is still not fixed. 


It has been over 45 days since I first contacted them and nothing has been resolved. This was their error to begin with.

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 2018-06-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I closed my XXXX XXXX accounts on XX/XX/2018 and they mailed me a check for XXXX which was the remaining balance. I had to scream at 3 different people cause they tried to keep my savings open without my permission. An inside source says they did keep it open and transferred money out of there after I closed my account. I sent my VA pension payments direct deposit to a new account at a new bank and todays the money should have been kicked back from NAVY Federal credit union and sent to my new banking institution. I called the VA and they said it was never kicked back to the treasury and they thought it was strange giving the circumstances that the account has been closed for more than 2 weeks. I'm writing that the bank is committing fraud against me for closing my account in retribution for reporting them so many times to the cfpb for stealing my money that they never gave back. I suspect they waited till it was closed and someone fraudulently transferred it over to a fake account and stole it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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: Account status incorrect

Complaint:
I was denied credit by XXXX XXXX  because Transunion credit is reporting incorrect information and refuses to send me a credit report where I can refute this information. This happened on XX/XX/2020. They will not provide me a free credit report since I was denied credit through their reporting. They have a XXXX credit card which I have never agreed and list other incorrect information on my credit report and is reporting incorrect information about my XXXX XXXX  credit card reporting.

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 2020-01-21
Company: EQUIFAX, INC.
State: WY
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:
Equifax is reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS KEEP APPEARING ON MY CREDIT REPORT. THESE ARE NOT MY ACCOUNTS, PLEASE REMOVE THESE FRAUD ACOUNTS FROM MY CREDIT REPORT. OR I WILL BE SEEKING LEGAL ACTIONS.

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 2021-06-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed this fradulent public record numerous times with the credit bureaus. Experian and XXXX  refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.

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 2021-04-07
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: Information belongs to someone else

Complaint:
I would like to complain about unknown accounts in my profile. I am victim of identity theft and someone just used my personal information and filed this accounts. This is inaccurate information that does not belong to me. I am not related to any of these accounts at all. Therefore I am asking you to remove it and to do it as soon as possible. 

Thank you )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/19 I transferred {$250.00} from my PayPal account to my bank card. I paid the 10 % fee for instant transfer but after 3 hours the money never reached my bank but it disappeared from my PayPal account. I contacted PayPal and was told to check with my bank. My bank said that PayPal declined the transfer and that's why it didn't go thru. But when I contact PayPal again this time they said it was a communication error. I have spoke with multiple people at PayPal and no one can tell me where my money went nor will they will me when I will get it back. This is a lot of money for me. And I can't get ant straight answers from PayPal about when I will get it back. They said they don't guarantee these transactions but that can't be right. They can't just lose my money like that can they?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 The bank ( XXXX XXXX XXXXXX/XX/XXXX which I am refinancing with sent a email asking Mr. Cooper which holds my mortgage to sign the attached Letter of Direction from XXXX XXXX XXXX XXXX XXXX in order for me to move ahead with my refinance. They had a ABI on the mortgage which is A Beneficial Interest on the property stopping me to refinance with out them signing the Letter of Direction. 
After many phone calls and e-mails after 2 weeks they mailed me a Verification of Mortgage. I did not ask for that. I explained to several people that I spoke to that I would lose my new rate that I had locked in, they said they could not do anything it was in the hands of the research dept. which their was no phone number to. 
As it approached XX/XX/XXXX and losing my rate of 2.5 % XXXX XXXX XXXX XXXX said they could take care of it since Mr. Cooper was not. I now received a bill from the Land Trust company for {$540.00} which I never would of had if Mr. Cooper would have helped me. 
I spoke to and e-mailed : XXXX XXXX, XXXX XXXX Ph # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Kimball, Tirey & St. John LLP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regarding the debt collection with the amount of {$4100.00} on XX/XX/XXXX from the Collection Agency : KIMBALL TIREY STJOHN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I did not receive any official collection details from the letter, email, text message, or phone call for this debt collection. 

Under the Fair Debt collection Practices Act ( FDCPA ), I sent an official letter to the company KIMBALL TIREY STJOHN on XX/XX/XXXX to request proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

I did request the collection agency KIMBALL TIREY STJOHN to provide the following documents within 30 days from the date of the receipt : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

However, I did not hear any feedback from the collection agency KIMBALL TIREY STJOHN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is trying to collect a shared private school debt of $ XXXX from myself only. They have yet to show me proof of signatures on these loans or the proof of the exact amount owed. This entity is currently under a law suit by the federal government and I want to make sure they arent coming after me unlawfully.

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 2020-08-24
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:
Equifax has not changed my credit score in 3 years. Ive received credit cards paid on new car and none of this is reflective on my credit report. Ive informed them of this and they told me its not their fault that creditors arent reporting positive credit, which is not true. However, they can report negative credit on my report but are refusing to put positive reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with First Citizens Bank on XX/XX/XXXX under a promotional offer to receive a XXXX dollar bonus. I completed all required terms to earn the bonus but have not received said bonus. The terms of the promotion were to open a free checking bundle, enroll in e-statements, open an associated savings account, and utilize the debit card for 10 transactions. These 10 transactions were completed on XX/XX/XXXX, well within the 90 day time frame to complete the requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a victim of XXXX  XXXX and have had drastic changes in my income. 
I took advantage of the free XXXX XXXX XXXX pulling and thank goodness I did. I realized the Capital One Auto Finance is have has been reporting me late on my credit file since the pandemic. 
I believe bc I am XXXX XXXX I called and spoke with them and they advised I need to take this up with the three-bureau. Well, I have not had any success in this and so I was told to file a complaint to have the latest removed from all three bureaus XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. 

Company name is : XXXX XXXX XXXX : XXXX XXXX {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone took XXXX dollars using XXXX on XX/XX/2020 that i dont know. I use Wells Fargo and they aren't trying to help me figure out how they did it. They telling me i did it when I clearly contacted them once I noticed someone added their name to my XXXX that I didn't add, I did not receive any information to add them either not a text nor email. I have bills i need to pay with that XXXX dollars I need my money back. But the person who added their name is XXXX XXXX. Please help me.

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 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I do not have an EDD card for CA benefits. received this text on my cell : Dear Bank of America XXXX XXXX XXXX XXXX, Due to security upgrade on the Bank of America XXXX XXXX XXXX system, We urge you to verify your account to help prevent fraud. 
Click or copy and paste the secure upgrade weblink below to your browser to continue http : XXXX XXXX, Bank of America 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 2020-01-31
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an XXXX XXXX Citi Bank Mastercard. This account is set on autopay and pays the FULL amount off every month. I used the card for some medical bills this month, so knowing i was getting within a XXXX  of my limit, I began paying onto the card as I used it. I paid {$2000.00}, then {$1000.00}, then another {$1000.00}. I am currently several thousand from my limit of {$11000.00} and citbank has decided to lock my account and refuses to allow me to make charges.I have spent over 2 hours on the phone arguing with them over this. I never had any credit card company do this. I hold a credit score above 800, have never had a late payment, and actually have an XXXX card with no limit, but citibank is very argumentative and aggressive towards me when I have tried to resolve this issue. Initially they refused to even tell me why they blocked the account. Then they said it is blocked since I made several payments. XXXX, what the XXXX do they think. If I make several large charges I have to make extra payments. So apparently I am being persecuted for being financially responsible. This is now the third day my account is locked, and I am several thousand away from my limit, with no money due, and no pending charges, and my account is still locked. They are clearly violating fair credit standards in their aggressive actions towards me. 

See attached document that shows : 1. account is prepaid, 2. I have no payment due until XX/XX/2020, a month from now, 3. I am almost 5000 from my credit limit, 4.  Available credit is XXXX proving my account is locked.

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