BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21, we closed a refi with XXXX # XXXX, and the first payment was due XX/XX/21. We made the first payment on XX/XX/21 via XXXX with XXXX in the amount of {$4600.00}. On XX/XX/21, we received notice that the loan was transferred to Mr.Cooper, under loan # XXXX. I set up auto-pay to begin XX/XX/21. The XX/XX/21 payment was drafted successfully. I contacted XXXX to track the XX/XX/21 payment to Mr. Cooper and they advised that a bulk wire was transmitted via fedwire on XX/XX/21 under reference # XXXX for {$10000.00}, which included two other payments. 
I have made numerous inquires via phone, email, and account messaging to no avail. A research ticket was opened on XX/XX/21 under # XXXX ; on XX/XX/21 I was notified the ticket was under review. I sent another follow up on XX/XX/21 and received another scripted reply under ticket # XXXX. 

Meanwhile, the XX/XX/21 payment was debited and included an additional {$1000.00} to apply to the principal. On XX/XX/21, I received notification that the {$1000.00} applied to the principal was placed into an unapplied funds account until the balance of {$3600.00} is resolved. I spent an hour on the phone with XXXX, who provided me with all the backup showing the payment was made and transferred. Now I fully expect there will be late fees and credit bureau reporting, which should be against regulations when there's a pending ticket regarding payment. The consumer suffers through the process when the mortgage company should be held accountable. 

I am hard-pressed to believe that a servicing company dealing with payments all day long can not reconcile a simple wire for three mortgage holders. The entire process of mortgage transfer should be pretty straightforward. Simply follow the law, regulations, and your own policy and procedures! As a professional in the financial crimes industry, I am suspicious of Mr.Cooper redirecting my funds to a suspense account, instead of following the transferring account payments. 

( As an aside, if I were performing their XXXX audit ( my core business ), I would be reviewing that suspense account for unusual or suspicious activity. ) Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was awarded unemployment benefits over 4 weeks ago. I never got a card from Bank of America EDD because they never sent one. I called them and asked why my money hasnt been transferred to my bank account. I had it set up to transfer. They said well you have to to that with your new card, but we never sent you one. 
So they said they were sending a new card. Here it is over a week later and still no card. I called them and they said I have to wait up to 14 days to get the new debit card. I asked why dont you just transfer the money to my bank account. They said we cant do that because you have to set it up with your new card. 
So I have been waiting 6 weeks now for my unemployment debit card from the thieves at Bank of America. They say there is nothing they can do. They say I just have to wait. 
They also asked me if I k ow how many people they are dealing with. I said no its not my concern.

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 2022-01-07
Company: Genesis FS Card Services, Inc.
State: CA
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:
indigo credit card made my payment on the due date..they credited my account, and then turned around and returned the payment and billed me a late fee. on top of all that they let my available credit stand and then they charged me for going over my limit... i got this card in hopes of straighting my credit out ... and all they have done is made it worse!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on 1099-A. The 1099-A is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.

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 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, I chose to begin working with a debt management company XXXX XXXX XXXX. XXXX sent proposals to all of my creditors and were able to work out payment arrangements with all of them including XXXX XXXX. XXXX XXXX was going to be paid $ XXXX monthly until the account was paid off. These payments were made every month from XX/XX/XXXX until the account was paid off recently. However, in XX/XX/XXXX, four months into the payment plan, XXXX XXXX reported my account as being 30 days past due. The following month in XX/XX/XXXX, XXXX XXXX then updated my account to show that I am not past due at all. However, they were only paid $ XXXX/month and no payment had been missed. I have contacted XXXX XXXX months ago, in regards to having the mark on my credit report showing 30 days past due removed. I disputed this on my credit report and XXXX XXXX chose at that time to not reverse the mistake. I spoke to a manager who then told me that it was their error and that they will work on getting it corrected but it would take 60-90 days. That was almost a year ago. I then contacted XXXX XXXX recently in regards to the same issue. I escalated this up to management who informed me that I needed to send in a letter and a copy of all three of my credit reports showing the error, and they would send it to their credit bureau team. This was not explained to me previously and I was told is the reason why nothing had been done. I had this expedited so that I would not have to wait another 60-90 days. Even after having this expedited, I received the reply that XXXX XXXX would not be correcting my credit report. This has been proven to be XXXX XXXX 's fault and they have marked my credit for one month which no other creditor has done. I am showing up to date with ALL of my other accounts with every creditor through the same months and XXXX XXXX admits ( and the credit report shows ) that payment was made every month to the account. I am not asking for a lot, I would just like XXXX XXXX to take this inaccuracy off my credit report so I can move on from them for good.

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 2018-03-21
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
They reduced my credit limit by {$7000.00} when I was about to use it, of course. They refuse to tell me why and only refer me to a letter that has been supposedly sent, but never received. So I can't get any information as to why and there was not a notice received by me. 

In addition, after I chatted with someone named XXXX, who refused to answer why the limit was reduced, I gave her a poor survey and suddenly I'm locked out of my online account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
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: Account status incorrect

Complaint:
My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.

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 2019-02-11
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have an account in collection with NCB Management Services Inc. On XX/XX/2018 I agreed to a payment arrangement with them and gave them permission to withdraw funds via electronic check from my checking account every month on the XXXX. 

I never give out my banking information, but agreed since they contacted me on my mothers phone ( not sure how they obtained this information ) and I was eager to resolve this account. 

On XX/XX/2018 an electronic check for {$780.00} was paid to XXXX XXXX Bank and initiated by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) on my checking account. 

On XX/XX/XXXX, the electronic check I approved for NCB Management Services went through for {$30.00}. 

Again on XX/XX/2018 another electronic check went though for {$310.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) Once more on XX/XX/2018 an electronic check went through for {$120.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) And again, On XX/XX/2018 another electronic check went through for {$300.00} paid to XXXX  XXXX by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) After this transaction the checking account was closed. My bank denied payment to all the above transactions except to NCB Management. Since I have closed the account I request that prior payment arrangements be denied and I have not contacted NCB to make new arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: NC
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 delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
According to the FCRA 15 USC 1681 it states that as the consumer I have the right to Accuracy and Fairness of credit reporting. 
I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
An American Express account was opened and placed on my credit report. Upon noticing it months later I contacted American Express for verification of the account. I have 2 other American Express accounts and was not sure if they opened it or if I did. I formally requested verification and disputed the account and transactions. American Express reversed the charges and stated it was fraudulent. They closed the account and everything seemed fine. 45 days later the account was reopened and the charges came back. Again, I contacted American Express for better understanding. They did not again verify the account was mine and continued to report it on my credit report. Soon after it turned 30, then 60. now 90 days later which is damaging my credit score. I then requested verification and disputed the charges again. They closed out my other 2 American Express accounts and provide little to no information. They are willfully damaging my credit and closed out accounts. Currently they have not validated this account and refuse to do so. This is a willful neglect and requires more assistance. My rights are being violated and the stress and financial damage they are causing has become unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Chapter XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX - XXXX  {$570.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/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 2019-02-11
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Per resolved CFPB complaint # XXXX, Freedom Mortgage began sending all documents to the wrong address in XX/XX/2018. 
So I did not receive the company 's notice that it needed proof of insurance until that error was corrected BY MY EFFORT in late XX/XX/XXXX. 
My insurance company provided the information to them in early XX/XX/XXXX. 

Today I received notice that Freedom Mortgage retroactively RETROACTIVELY purchased insurance for me in XX/XX/2018. I don't know how they could have done that as it is my understanding that such insurance can not be purchased retroactively and the earliest possible purchase date would have been XX/XX/XXXX. 
I carry HO 6 insurance through my personal insurance company.

So I am now doubly insured because Freedom Mortgage sent documents to the wrong address for more than six month. 

I want the redundant policy canceled and all charges to disappear from my escrow account. My mortgage documents were approved with the requirement that the condominium be insured and it was approved by the lender under those conditions.

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 2020-08-28
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2020 I wrote a letter certified mail # to Equifax   ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( 3 yrs, 1 mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX   XXXX  Original creditor : XXXX XXXX  XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX   XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX XXXXXXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : 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 2018-03-21
Company: EQUIFAX, INC.
State: NY
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:
Someone got my information and opened up lots of accounts in my name.XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: CITIBANK, N.A.
State: FL
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:
CitiBank Customer Service reps sound like they re in a fish bowl. Transferred 5x and everyone sounded same. Trying to resolve issue but can't understand a word they say.

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 2018-03-25
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Also I wanted to supply all information they have been given numerous times about my checking being used fraudulently. If this would have been taken care of like they say. They fight for you on identity theft accounts. I feel their lack of help and making bill pays on a closed account shows how much they don't care. It is being cleared up with every fraudulant account accept navy federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Allied Servicing Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We applied home equity of credit in XX/XX/XXXX through XXXX XXXX when we settled for a new home. We have been paying until the home market occurred and had difficulty. XXXX offered a settlement lowering balance to XXXX and have been paying XXXX monthly for yrs. Next thing we know we heard the company went bankrupt and did not hear anything on the home equity balance. suddenly this last month got a letter from Allied Servicing regarding the account and telling us for a foreclosure. I paid XXXX and the balance is XXXX SINCE XX/XX/XXXX. I don't know why they waited for nine yrs. I have attached copy of my account and statement.

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 2019-10-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
OUR FIRST MORTGAGE PAYMENT WAS ON XXXX XXXX. THIS WAS PAID BY A DIRECT DEPOSIT ACCOUNT SET UP BY ME. AS I UNDERSTOOK IT, EVERY FOLLOWING PAYMENT WOULD BE PAID THIS WAY, UNFORTUNATELY, THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS WERE NOT COLLECTED AND SENT BY DIRECT DEPOSIT. IT WAS ON OUR XX/XX/2019 ( WE WERE NOTIFIED ON XX/XX/2019 ) THAT WE OWED 3 PAYMENTS TO OUR ACCOUNT. I IMMEDIATELY SENT THIS TO WELLS FARGO. 

I GUESS BEING XXXX YRS. OF AGE AND NOT TOTALLY COMPUTER SAVVY, I DID SOMETHING WRONG. 

PLEASE HELP ME OUT.

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