BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last XX/XX/XXXXI started a Home Loan Modification with Mr. Cooper. During these many months I endured horrendous treatment. The service was so bad, the follow up non-existent. The number of calls I had to make to get answers ( which were never the same ), the amount of personal financial documentation the was lost and resubmitted, the hours on the phone being passed around and disconnected, the lack of any kind of policy that requires their employees to return voice mail messages ... I am certain I am leaving out so much due to having to " let go '' of the stress this company caused me, unnecessarily I might add. NOW, someone at Mr. Cooper has gone into my online account and added an Escrow account that was agreed upon that I don't need. I pay my taxes in FULL and ON TIME every year for the last 17 years. Please see attached payment history. I can not afford the payment they are requiring now - it's hundreds of dollars more each month. It was explained to a supervisor many months ago, that I have a non-liquid account where I pull out property tax funds twice a year without penalty. I pay my property taxes this way since my husband passed away in XX/XX/XXXX. I CAN NOT AFFORD THIS MONTHLY PAYMENT WITH MY CURRENT SALARY. This escrow account for property taxes needs to be cancelled immediately. As agreed to last year by Mr. Cooper. I have called and left 2 messages for a gentleman by the name of XXXX. He doesn't return phone calls. My 3rd phone call was to their call center. I held for 32 minutes waiting for someone to answer, then spent another 30 minutes being placed on hold while a woman desperately fumbled around for answers and placed me on hold 5 times. When she finally came back for the last time she actually told me that they had paid my taxes for me and I now owed them money. Unbelievable. I am back in XXXX. TRAIN YOUR PEOPLE!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Texas Guaranteed
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:
I paid off my defaulted student loan with Texas Guaranteed last XXXX 2016. I just received a credit alert from my credit monitoring service stating that Texas Guaranteed has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a legitimate deposit from my employers payroll account. Bank of America is now holding the entire check amount for no reason that they can tell me other than the fact that because it is a manual transaction. Which is not the case. I get me paychecks deposited biweekly every pay period. This current pay period XX/XX/XXXX through XX/XX/XXXX was not a direct deposit, it was a physical check due to a mess up through my payroll department. I manually deposited my PAYcheck into my local Bank of America ATM. Then was told on the final receipt that my PAYcheck would be be held without reason for over 7 consecutive days being XXXX XXXX, 2019. Unfortunately I have to live paycheck to paycheck but the fact that my 80 hours worked is being held another additional week if VERY frustrating and almost unethical. I NEED my actual paycheck that I am entitled to for my time.

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 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I already have a complaint out against Bank of America about excessive NSF and overdraft fees but realized they are doing something that is against their policy by charging me 2 and 3 times {$35.00} each time for the same transaction. This is not right and I want this fixed

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. 
I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: AR
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:
Hello, Recently I was part of the Equifax credit information hacking. It really astounds me that a private company can stand to profit from their own mistake in that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax. 

Additionally, I would like to know why it took them months to tell us ( not even personally, only by news outlets )? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: EQUIFAX, INC.
State: MN
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 sent Equifax two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 )  ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from Equifax or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization. 
I have attached a copy of the letter sent by certified mail two times to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went through my credit report and saw that a collection was added to my report and continues to grow currently. I didnt open this account and it shows that it is currently open. The name of the collection company is AWA COLLECTIONS and they are collecting for a company named XXXX XXXX and the debt amount is currently for {$420.00}. The account was opened on XX/XX/2019 and shows that its currently opened even though it was placed for collection. I want this debt collection removed from my credit report because I dont recognize it and am not associated with it. Im providing a picture of the collection that is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I called to get my balance and they told me my balance was {$680.00} but I only borrowed XXXX and I've paid 18 payments of {$98.00} which equals about {$1700.00} but only {$18.00} went to the principal I ask them why and they told me that all the payments I made was interested payments so I asked them out of the {$98.00} I was paying only {$1.00} went to the principal for 4.5 months I told them that is usery and they can't do that they inform me that they where not under state or federal law because they operate under the laws of a tribe out of Montana

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Good evening, I 'm making a class complaint i n behalf of many who have shared similar issues with Wells Fargo. I will provide a routine scenario : Customer has XXXX in their checking account. Customer attempts to purchase with their debit card a XXXX dollar item and the transaction is declined. Customer calls the bank and inquires. Banker at Wells Fargo states that their daily limit is XXXX dollars. Customer request a temporary increase. Banker attempts but comes back with an answer " Sorry sir, the computer will not allow me '' customer effectively can not access his money from his account. There are many people in this class that Wells Fargo has barred access from using their debit card even after full verification to make purchase. The debit card is the new electronic check but with restrictions that preclude good people from accessiing their accounts. Please investigate this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a $ XXXX revolving account with XXXX XXXX. Experian is not reporting the account even after repeated attempts to request they do. I know for a fact that the company reports to Experian but they are not reporting it.

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 2021-09-20
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Gemini I recently purchased about {$60000.00} worth of XXXX  ( a crypto they offer for trading ), and I tried to withdraw my purchase to an external wallet in my control and I was given an authentication error using the Authy app on XX/XX/XXXX when a sitewide Authy glitch caused this withdrawal to be stuck in pending mode. A crypto transfer should only take a couple hours maximum to transfer. Gemini has been unresponsive for 4 days over this matter and only replies back to my service tickets with generic responses instead of offering a fix for my withdrawal that is stuck in pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX Capital One Bank sent me a notice confirming that they sold accounts were included in a bankruptcy filing on XX/XX/XXXX, On XXXX XXXX before the case was dismissed on XX/XX/XXXX. This is illegal. I have sent multiple complaints about many violations with the sale, collections practices and validity of accounts they sold to XXXX XXXX XXXX Capital One Case # XXXX CFPB Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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: Public record information inaccurate

Complaint:
I have contacted Transunion for the past four ( 4 ) years when I found out about a chapter filed XX/XX/2017 and dismissed XX/XX/2017. I have sent ID numerous letters, and documents ( that were accepted by the two ( 2 ) other bureaus, but Transunion only make a call and does not follow the FCRA rules when it comes to address and year of birth. Initially they stated the information was provided by XXXX and when I provided proof that XXXX no longer reported the information and found it in error. When that information was provided to Transunion they resorted to only making a call to another third party but has never provided me with proof that the address and year of birth of that account matches my record, because it DOESNT and should be removed per the FCRA

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 2019-05-24
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX, I was approved for a mortgage loan with loandepot in XXXX Florida XXXX my loan officer was XXXX XXXX My closing day was XX/XX/XXXX. 
My loan officer contacted me a week before closing telling me that she lost my grant money because the government ran out of money she asked me if I had XXXX dollars for closing I said no and she asked me if I could borrow money for a family member I said no I was in tears I gave up my apartment and put my furniture in storage now I have no place to live she even keep my deposit money. Please help me this is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
held a check for 7-8 days funds availability fund is 3-5 days when to ask the banker to release funds b/c it's been six biz days they said it won't be available for another day or so XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tx 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 2022-02-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX OF 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 2019-08-01
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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 XXXXXXXX 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 2017-07-13
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I have been trying to get an accurate credit report and score from Equifax since XXXX of 2017. I pay for a credit monitoring service that is not Equifax. I feel this started AFTER I cancelled my paid service with them. I started my paid service with Equifax on XXXX XXXX, 2017. I used their 30 trial to try out the service. I cancelled the service before the 30 days were up, sometime in XXXX 2017. I first noticed an issue XXXX XXXX, 2017 and reached out to Equifax. They refuse to help. I tried to get my free credit report through annualcreditreport.com, they said that have no records. When I tried calling Equifax, I was told by the customer service rep that indeed there was a problem. But they refuse to fix it, even after I verify all of my personal information. I have continously tried calling on different days, at different times, but to no avail. I would ask for a US representative, only to be put on hold for literally 30-45 minutes, or longer, if I chose to stay on hold. <P/>Now I have been denied credit because of my Equifax report, through a major credit card company. I can not access my file to even see what is being reported if anything. I tried to freeze my Equifax file on today XXXX XXXX, 2017, and again no file to freeze. <P/>This is not right, and it is very frustrating. This is affecting areas of my life that I did not even realize that it would. I can not even proceed to make large purchases because I can not be sure of what is listed on my credit. I do n't know if I have a split file, or no file at all. My credit score has been the same for three months. No updates. I just want some resolution. I do not know what else to do. Equifax is infringing on my rights. And I want it to cease. <P/>Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Company finally closed my account on XX/XX/21 in the amount of {$3500.00} with the line item stating " transfer withdrawal. '' They have not sent any form of confirmation as to WHERE my money is and how long it will take to be received by me or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Sent in LOAN ASSUMPITON sent in LOAN PACKAGE TO PUT IN MY NAME XXXX sent in LOAN MODIFICATION says cant due to EXCESSIVE FOREBERANCE put offering loan at XXXX why no mod??????? So many packages so many excuses!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Faxed in mod said bk???? have been faxing for a year who filed bk>>> need proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synchrony Financial stated that I opened an account with them, thru Mattress Firm, in XXXX of XXXX for the amount of {$1200.00}. I have never opened any line of credit with them, nor do I have any association with this company. The account went unpaid and ended up with a negative balance of {$1300.00}. 

I have been sending letters with them, back and forth, since XXXX of XXXX to have this claim removed from my file and Synchrony has continued to " verify '' the debt being mine by sending a bill but has not provided me with any contracts, or documents, housing my signature that would truthfully verify that this debt is mine. 

In XX/XX/XXXX, Synchrony closed the account under " lost or stolen credit card '' and opened a new account under my name that same month. Last month, on XX/XX/XXXX, they reactivated the " lost or stolen credit card '' account, along with the open account and added extra debt to my credit file. Now they are claiming I owe a total of {$2700.00}, all while failing to provide me with any documentation that the debt is mine, nor any explanation as to why I am being asked to pay for, what is now, two accounts that are not mine.

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 2019-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief