BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 our home had a fire that completely destroyed home XXXX  one of our pets. Our insurance company immediately paid for the loss and our problems started with the Mortgage insurance property loss company ( a third Party payer ) XXXX XXXX XXXX XXXX, received the funds and have been refusing to release the funds to make the necessary repairs to our home. 

For 11 months it has been a constant struggle to get XXXX XXXX to Release fund even though we repeatedly would provide them with releases that work was done. We have spent all the funds that have been dispersed so far and an additional XXXX XXXX dollars of our own money and the contractor has spent {$35000.00} of his own money to keep this project on tract. 

Our insurance company is no longer going to pay for our alternative living after XX/XX/XXXX, this month. We have been telling XXXX XXXX that we needed the funds or we would be XXXX. They refused to release any funds and to top it off now Seterus the mortgage company was acquired by Mr. Copper and they are telling us that it could be 60 days before our claim is loaded in their system. We do  not have any more time. In 24 days we will be XXXX but will need to continue to pay our mortgage or lose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have spoken with three representatives at chase bank about my concerns and all of them are on a different page. There is no exact answer as to why my account is negative and I disagree with being charged twice no representation being shown for It.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Me and my wife got approved for a home loan at 4.25 with tier B credit levels. I had a few medical debts that I was told to leave alone considering we had already gotten approved, and we didnt want to change anything that could affect our credit. It was a loan on a construction home that was going to be ready to close on the first of XXXX. With that being said we werent given the chance at a rate lock of the 4.25 because the loan officer and processor couldnt get any paperwork turned in or requested in a reasonable amount of time. The final rate lock would have secured our loan. The problem is that they never discussed any of this with us when it was supposed to be done which was 90 days before XX/XX/XXXX. When they did finally decide to run the credit for the rates, a few medical bills in the past opened up as new open debts. This caused my score to drop well below any approval for any mortgage. I do understand that the medical debts are still my responsibility. I also take full responsibility for my debts. My problem is that I was following the directions of the bank employees step by step and they decided that they would reciprocate their efforts with laziness and lack of communication. I do apologize for the complaint being out of order and misdirecting. I have been put through six months of an emotional roller coaster. Just to have to be given a very hard and unclear no to the house that we watched be built from the ground up. The personal investment that was taken by Navy Federal and their lack of commitment can not be undone. I really hope that other customers dont have to be put through what me and my wife have been put through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Credit Corp Solutions Inc.
State: MT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A woman named XXXX from this company called my employer and revealed she was a debt collector and embarrassed me in front of all my colleagues in addition to putting my job at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an account with https : //my.equifax.com and when attempting login and unfreeze my credit file it prompts this message : " The email and password combination you entered is incorrect.Please try again. Your account will lock after 3 incorrect attempts. '' This combination is accurate as it is saved by my computer for reuse and it's the same problem I've had in the past with Equifax. I tried to use their automated phone service, but it too has many bugs. Finally I faxed them ( XXXX ) my drivers license, SSN, DOB, five years of addresses, and also mailed the same information to them. 

Since I am attempting to secure a mortgage there is a sense of urgency on my part to have Equifax respond. XXXX and XXXX have efficient freeze and unfreeze processes, but not this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Genesis Lending
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Back a few months ago I saw a charge on my account that I did not recognize. I contacted the company because I thought the charge was fraud. A few hours later I found out what the charge was from, and called back to let them know all was well, and it was not fraud after all. They still conducted a fraud investigation. My account was locked. I could not access my online account. If I called their customer service number, their system could not locate my account with my account number or my social security number. My account was non existent in their system, so I couldn't even make a payment. That didn't stop them from harassing me and putting a late payment fee on the account that didn't exist. 

I did eventually make a payment by phone, for an amount that I could not afford. But the mishandling of that incident, and finding out that the interest they are charging me is illegal in my home state of Pennsylvania caused me to want no more to do with them. 

Of course the harassment continues. I also find it interesting that their number shows up on my caller ID as spam risk. They were calling daily, which I also believe is illegal. On XX/XX/XXXX of this year I spoke to a representative and formally requested that they no longer contact me. 

Today, at XXXX XXXX, they called again. That is more harassment.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-18
Company: SYNCHRONY FINANCIAL
State: DC
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 am receiving debt collection calls every day from PayPal Credit to pay a debt that I incurred when making a {$3000.00} charitable donation through PayPal. The donation was intentionally made on XX/XX/2017 and was not fraudulent. However, I have been disputing the nearly {$500.00} in finance charges and fees that accrued during a 6-month XXXX percent interest period and that continue to accrue while I work towards a resolution. The current balance is XXXX. I have spoken with PayPal Credit 's disputes department and, as suggested by the disputes department, written a letter to PayPal Credit to try to resolve this. Their responded by email and said that their review was completed, but offered no other explanation. In reviewing my balance since then, no finance charges have been removed and new finance charges and fees have accrued. 

I am disputing this because I never intended to use PayPal Credit to make the donation. As is always my intent, I intended to use the credit in my PayPal balance. I presume that I may have accidentally used PayPal Credit since there is hardly a distinction on the PayPal app between the two.  They use almost the same logo and " PayPal Credit '' sounds exactly like it is a credit on my PayPal balance. 
This is the first and only time that I have ever used " PayPal Credit ''. After asking about my history with this line of credit they informed me that they used to be called " XXXX XXXX XXXXr '' and that I opened the account at a time when they were still using the name " XXXX XXXX XXXX  ''. At some point, they switched their name to " PayPal Credit '' and kept my account open, which explains why I did not even know that I had a line of credit with PayPal Credit. 

I suspect that part of the reason why they changed their name and logo to mimic that of PayPal the service was so that they could mislead customers into using PayPal Credit thinking that they were actually using a credit on their PayPal 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 2016-10-20
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Identity theft and foreclosure for a trustee that nation star mortgage said they were the owners. As per the trustee XXXX stated they were never the owner ever of XXXX XXXX XXXX XXXX tn XXXX so how can you assign the loan to yourself without the actual owner saying they were n't the owner ever?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is the worst of the 3 major credit bureaus. Who the heck has time to rely on snail mail when attempting to remove a freeze? It's IMPOSSIBLE to get through to a live agent on the phone. And, even with my latest PIN, attempting to use their online : https : //www.experian.com/ncaconline/removefreeze # registration it's impossible to get verified ( even though I know all of my information is correct ). 
What the heck is wrong with this company and what is the CFPB going to do about it? 
I think this is the second time in the past year or two I have submitted a complaint. 
Please look into Experian. They are damaging the US Economy and Consumers through their unfriendly practices.

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 2021-01-27
Company: Bread Financial Holdings, Inc.
State: FL
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:
Remove from my credit report because these accounts were paid with a pay to delete. ( They were paid and agreed to be removed from my credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As astra recovery is posting inaccurate information. Ive asked them to verify all documents 90 days and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, someone used my Bank of America ( BofA ) /XXXX XXXX Visa card to purchase {$1100.00} worth of merchandise in XXXX different transactions. These transactions happened in XXXX, Washington. I was contacted by BofA to ask if my card was being used potentially fraudulently. I said yes ... .BofA said they had already stopped the card so it couldn't be used anymore. A Fraud Claim was started with BofA ... .and then I received a note saying that my claim was denied. Here 's what I would add : 1 ) BofA called me to alert me to the fraudulent action. 2 ) The BofA claim representative said to me on the phone ( recorded call ) that a new card had been sent to me on XX/XX/XXXX. I said I never received the new card. I had not requested the card. 3 ) The denial was based in part on my " account history ''. Any savvy investigator would easily be able to determine that the fraud was unlike any other usage pattern I had established. So, this made no sense to me ... .especially since they had called me ... .based on??? Usage patterns I would presume. 4 ) The denial indicated that I had used a PIN. This is a Visa card ... I had no PIN for this card. 5 ) My credit history and Visa card usage would point to a clean credit history ( I just bought a house so I know ) ... .no bogus fraudulent claims, no payment history problems, etc. 6 ) I canceled my BofA account. Why should I do business with them ... .a company that treats it good customers so poorly? 7 ) I've concluded that BofA don't care about the facts in this case ... .they are being arbitrary and acting contrary to good governance. Acting contrary to pretty clear evidence. 8 ) Lastly, I have submitted a police report with the XXXX, Washington Police dept to track the fraud. THANKS

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX Employers : 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 non-monetary relief
Consumer complaint received 2020-05-28
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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid a debt in that it would be taken off of my credit report and now they tell me that they can't delete what it is that they placed there. The debt was for XXXX that I paid in XXXX of 2021. They did show a XXXX balance but refuse to remove.

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 2020-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2020 Bank lobby closed due to COVID-19, waited three hours to make credit card payment ( plus did not recive statement ). One long line, two tellers working " one '' window. The teller failed to say your payment is or are aware that you minimum payment due is? After making a payment, a few days later I received an alert that a {$260.00} payment is past due. Around XX/XX/2020, I called Capital One Customer Service ( twice ) each time requesting to speak w/a supervisor to no avail but instead received business closed due COVID-19 lecture and must keep workers safe ( folk protected behind glass safe )! I was told that the ONLY acceptable form of payment is through my checking account, mail in or bank because they do not take debit card payments! Around XX/XX/2020 Someone called me from the bank stating my account is {$260.00} over due with a past due amount, I stated no! {$50.00} is past due, the other payment is not due until XXXX. Plus what is the extra fee? He stated, past due amount. I requested that the past due be reversed. Told unable to reverse. He then stated oh yes I see you did not make a full payment so late fee is attached and then other amount is for XXXX ( still mid XXXX ). He refuse to reverse late fee ... first told I have to use my banking info or mail payment in ... *then stated you can make the payment using a debit card! I did finish making the additional payment amount but refuse to pay late fees***Poor Customer Service , employees making up answers and giving this customer a hard time using COVID as an excuse when I could have used my debit card to pay the additional payment, why wait to charge me late fees? Based upon my payment history I always make payment at the bank lobby on time. Told tellers can not see my payment history or amount due, I said that is not true! Capital Ones full service banks are far and in between. I live in one city , drive to XXXX or XXXX to make payments. I am opposed to using banking info over the phone/on line but will make cash or debit card payments! At the end of the day, I used my debit card to make over the phone after being they do not accept debit card payments. However, I have had issues with Capitol One in the past charged late fees after making on time lobby payments, if I make a cash payment it should be applied that day! If the bank failed to process payments is not my problem, I made the payment on time! They successfully reversed late fees but in this case I feel like I am being scammed due to COVID-19. Long lines, long phone holds, having to call back numerous to attempting to resolve payment issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XX/XX/XXXX Discovered Trans Union had billed my credit card {$24.00} for service I never requested. 
Tried to contact the Trans Union Office listed on my credit card account. XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX. XXXX. The phone is disconnected. The latest try was this morning Via information from XXXX XXXX contacted Trans Union on XX/XX/XXXX. They had no record of a request but wanted the credit card # that was billed. I declined because I would no longer have a way of proving that they were not voluntarily given the credit card number in XX/XX/XXXX. I offered the last 4 digits but they insisted on the full card number. 
I had the credit card company reverse the charge, and after investigating they did so XXXX/XXXX/XXXX Trans Union billed my credit card again. Although I had a new card the credit card company put the charge through not realizing it was reoccurring from the month before. 
Although the credit card company has sent the third card I will not activate the third card. 
Upon checking my XXXX XXXX account I discovered that on XX/XX/XXXX Trans Union had downgraded my XXXX XXXX by 41 points. Giving me a credit score of XXXX. 
Upon looking to see why there were 8 changes listed responsible for the change.

6 changes were a decrease in amounts due to timely payments. 1 was the removal of a bankruptcy public record. The 8th change was an increase of {$22.00} on a credit balance. 
I believe that Trans Union 's actions are retaliatory for not accepting the fraudulent charge of {$24.00}. 
The 2nd Reporting Agency on my XXXX  account is XXXX. That score is XXXX and rising.

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 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 completed their investigation about an item I disputed with 10 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX. They did not remove it from my credit. Apparently its an electricity bill in Massachusetts. I live in XXXX, FL. I have never owned an electric bill in Massachusetts. They need to go after whoever lives in the actual place that receives electricity from the electrical company and not me. I have no idea what type of information the electric company requires to start a bill. I have no knowledge of what personal information of mine they have. I have no knowledge about the bill. It just popped up on my credit report and messed up my credit. I had great credit. When I reached out to 10 XXXX XXXX, they were unhelpful and told me I should do a police report. I can not do a police report from XXXX, FL.

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