BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Mr. Cooper/Nationstar about removal of PMI. They are requiring me to pay for an appraisal to remove. According to the HOPA at 78 % PMI is required to be removed. We are current on our mortgage. We hit this mark in XX/XX/XXXX. I just noticed that we are still paying this. I contacted Mr. Cooper and spoke with XXXX in their PMI department and she is having trouble finding a document that we signed at closing about PMI. We bought this home in XX/XX/XXXX. They are refusing to remove PMI until XX/XX/XXXX. This is way beyond the 78 % LTV. We bought the home for {$240000.00} and we now owe {$180000.00}. 78 % LTV would have been {$190000.00} based on the sales price of {$240000.00} which was the lesser of the appraised value. I am asking for help in resolving this matter, removing the PMI and getting a refund on the overage that we have paid. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check for the surplus funds from the sale of my late father 's house. The check was " Pay To The Order Of XXXX XXXX, affiant for the estate of XXXX XXXX XXXX ''. I was advised by my lawyer to deposit my check at a bank that I already bank with so I took it to my local Chase branch. I was able to open an estate account and deposit the check, a few days later the check cleared and showed up whenever I logged in to online banking. One day I received a letter from Chase and was told that my account would be closed. I called the banker who helped me open my estate account and was told that the back office for Chase said they needed my court paperwork resent to them, all the forms were immediately resent. A few days later I received a cashiers ' check from Chase and a letter that said that my account eas closed. This new check no longer has my name on it, the check now reads : " Pay To The Order Of Estate of XXXX XXXX XXXX ''. Since my new check doesn't have my name on it, I can not deposit it anywhere and just as Chase has said when I asked why my account is closed, I need a letter of authority or a letter of testimentary in order to open an account. The state of Missouri where my father passed away does not issue the court paperwork that every bank is asking for. I contacted banks in Missouri and I am able to deposit my new check there using the court paperwork I have but even those banks can not deposit the check unless my name is on it. I have called customer service several times and explained what was going on. They told me that any physical branch would be able to add my name back on my cashiers ' check but whenever I go into a branch I'm told that this isn't possible. I have visited 5 different branches in the surrounding cities where I live and I have been to an additional 4 banks to ask if anything could be done with my cashiers ' check, many banks said that if only my check was addressed similar to the original one they could deposit it in their banks but all Chase branches are asking for court issued paperwork I am not eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: NM
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:
For the past five years, I have attempted to contact the credit reporting agencies regarding incorrect items on my credit file that don't belong to me. It appears to me that someone has my personal information and has been establishing fraudulent credit in my name. I have put several fraud alerts on my file. The most recent is for {$970.00} from XXXX XXXX XXXX XXXX XXXX services opened on XX/XX/XXXX. And there's the XXXX auto finance for {$7700.00} back in XXXX. I have attempted to contact the auto company for years to dispute this charge. I have now filed a police report because this fraud continues and it is exhausting trying to fix my name and financial credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
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 information incorrect

Complaint:
I have tried numerous time to dispute the late payment information on my account with both the lender ( XXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.

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 2018-01-31
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a victim of identity theft a victim of fraud my personal information has been sold to different individuals, and these individuals has used my personal information to obtain credit. under my name. I went to the police department to file a police reports concerning this matter. I was informed that someone fraudulent open up 12 cellphones XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, under my name and obtain credit to get the cellphones.I contact each vendor to let them know I'm a victim of identity theft and that my identity has been stolen. XXXX XXXX XXXX sent me a package to fill out and get notarize I completed the package and mailed it back to XXXX XXXX XXXX they deleted the fraudulent account but before during so they sent the account over to a collection agency and it keeps getting sent from collection agencies to collection agencies. I have the letter that XXXX XXXX XXXX stating they deleted the account but the collection agency is still reporting it on my credit report with XXXX XXXX, XXXX, and XXXX   this XXXX XXXX XXXX account needs to be deleted now. I have submitted the documents to the creditors showing them that it is fraud. I need this XXXX XXXX XXXX account off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent {$13000.00} from XXXX XXXX XXXX XXXX Coinbase Inc on XX/XX/XXXX, here is the receipt, We have successfully sent the following transfer : XXXX Item # : XXXX Amount : {$13000.00} To : Coinbase, Inc Fee : XXXX Send on Date : XX/XX/ Service : Same Day ********************************************* Coinbase owns XXXX, and it promised that " Bank wire transfers may be credited to your XXXX  account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' I've contacted XXXX and it's been about 2 days but nothing shows in my account. 
My XXXX account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Account number XXXX ; XXXX XXXX XXXX XXXX - repossessed without notification Background I XXXX XXXX XXXX - bought a car in XXXX from XXXX XXXX texas for XXXX approximately and had an automatic XXXX $ payment set up in my bank to go and for unknown reasons the bank automatic payment stopped on XXXX.We have not checked it and with XXXX $ balance left out when I was in XXXX XXXX Lousianna I came to found on XX/XX/XXXX i could not find the car parked in my location and found it was repossesd for failure to payment. 

Payment made XX/XX/XXXX XXXX~ for 4 month due and XXXX repo charges I am in good credit rating and XXXX XXXX requested me to get the car on a loan for their credit department benefits when I bought it in XXXX, otherwise I would not have gotten it on credit at all Issue Called XXXX TFS Toyota - they said they did not have to inform me that I am behind on my vehicle 's payment and that they can repo if I do not pay and a decision was made to repo on XX/XX/XXXX with NO phone or email or letter communication and they mentioned my phones were listed as do not call list despite we get calls from toyota to get extended warranty - we listed as do not call list for tele-marketing and we kept getting them regularly anyway. 

Please do the needful for this type of action in regards to making sure companies like this will not rashly take decision without informing consumers, hold hands with third party teams to make few extra money in repossession charges and to destroy the credit rating of consumers particularly minority despite knowing the minority is a XXXX in good standing in the community and credibility with good credit ( they have checked my credit monthly from XX/XX/XXXX as i pulled reports after the fact ) - even if they were on donot call list the do not call list is for marketing not for do not call when you are dying or going to take away the vehicle Please do the needful XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a 15-year loan with Mr. Cooper and we are in the processing of paying off the home early. We have an auto-payment set to come out every month on the XXXX in the amount of {$2400.00}. 

Earlier this year ( 2021 ), we had an issue with Mr. Cooper applying " additional payments '' to our account instead of " principle only '' ( which was our intention ). The representative fixed the errors in our account and then recommended that we make our monthly payment ( auto withdrawal ) and then select " principle only '' whenever we make another payment that is for principle only. We had already been doing that and it was Mr. Cooper 's error for applying the payment incorrectly. 

There is a VERY SPECIFIC area on the app in which a consumer can select " make a one-time payment '' and then you can choose " principle-only Payment ''. However, Mr. Cooper continues to apply our principle-only payments as a regular monthly payment, then advancing the month the mortgage is due by one month ( this is not acceptable, we will pay off the loan early regardless ). My husband had to call them again in XX/XX/2021 to fix the same issue. The representative indicated it would be fixed. 

We made another payment today ( XX/XX/2021 ), principle-only in the amount of {$21000.00} and AGAIN Mr. Cooper paid XXXX to principle and withheld another " monthly '' payment one-month early. Mr. Cooper has still not corrected the " extra payment '' issue in XX/XX/2021. 

As consumers, my husband and I can not help but believe this is Mr. Cooper 's method for gaining advance interest payments and more interest than they should be collecting for a mortgage that will be paid early. Every time we try to reach Mr. Cooper, the recording indicates we will be called right back, in cue, the order of calls received. Instead, it takes them days to get back to us. 

If Mr. Cooper makes this a general practice across mortgages, essentially, they are collecting more and more money from consumers than they should be. Just with our last two principle-only payments ( Mr. Cooper applied incorrectly ), they collected another {$270.00} in XXXX interest and {$300.00} in XXXX interest ( EXTRA ). 

Regardless of our efforts to have this corrected, Mr. Cooper continues to allocate our payments incorrectly. We should not have to call them constantly to correct the issue when we are following the procedure exactly as we were instructed to do. 

Look at the hot mess they have made in our accounting ( attached ) as well as screen shots of the Mr. Cooper app where we make out payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello. This complaint is against XXXX Bank of America debit card services. On XX/XX/2020 i made a withdraw for XXXX. At this time i noticed my account was XXXX less than it was the previous day. I contacted the number on the back of my XXXX card and had my account suspended, new card issued. The CS agent brought to my attention 2 transactions made at a XXXX XXXX Atms. On XX/XX/XXXX and XX/XX/XXXX. One for XXXX and one for XXXX. I did not make these withdraws. These are fraudulent. I called Monday XX/XX/XXXX and was on the phonr for 12 hours. XXXX to XXXX PST. I spoke with many CS agents and only 2 claims agents. Both claims agents told me they could only issue new cards. They did not handle disputes or fraud claims. I was also given a bogus phone number by an agent saying it was the correct number to call for fraud disputes. At this point, I feel that something strange ia going on in the claims department. Unprofessional. I just want to submit a dispute for my XXXX  that was stolen from me. My question is. How can Bank of America XXXX services get away with this? Refusing to even look at my account withdraws claiming they cant dispute claims in the claim dept?? I also emailed them. And they emailed me back saying they couldnt help me. 
Thank you, 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 monetary relief
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax has been sending rightful claimants threatening letter about their claims. They are clearing attempted to intemidate and undermine the claims process of the average American. This company was wildly irresponsible with my protected data and their behavior in attempting to XXXX over the average Joe is reprehensible. 

They will continue to twist and turn to deny money from less diligent Americans Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX : XX/XX/XXXX - CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX XXXX : XX/XX/XXXX- CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX : XX/XX/XXXX : CALLED AND SENT 609 LETTER

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 2019-09-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
After the Equifax data breach, I did what Equifax recommended I do : I put a freeze on all of my accounts with them, XXXX XXXX and Experian. 

Apparently, as part of the settlement with Equipfax they were ordered to offer free credit monitoring services to consumers for 3 years or a {$120.00} stipend to anyone to start these services for a 3 year period at their cost. Information was emailed out to consumers telling them pick one or the other.. I completed Equifax 's submission for the {$120.00} stipend and sent it back to Equifax, As far as I can tell, this settlement was a ploy to get consumers to subscribe to credit monitoring services and an admission that Equifax can't guarantee protection of my data that I didn't give to them in the first place and didn't give them permission to have and accumulate.. 

With my accounts frozen, I don't need credit monitoring services. Now Equifax is arguing that I didn't meet any criteria for receiving this {$120.00} stipend after following their initial advice to simply freeze my credit. 

Are they now saying then even with a freeze on my credit file that they can not protect my data.? It coast me a fair amount of time and personal record management to manage pin numbers and website to place these freezes on my accounts and moving forward every time I need to open it, I need to spend time to manage that process. 

SO in the end unless I agree to get credit monitoring services from the same company that couldn't protect my data in the first the idea of " damages to me the consumer '' does not apply.. 

I believe I am entitled to take that {$120.00} and use it as I see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: QC HOLDINGS INC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a {$1400.00} loan with lendnation i had a payment due XX/XX/2021 called the company and they extended the payment to XX/XX/2021 paid the monthly installment of {$530.00} on XX/XX/2021 the next payment was suppose to be due on XX/XX/2021 checked the website and it didn't show a monthly installment it showed ( default ) {$1400.00} called XXXX XXXX in customer service and he communicate that lendnation no longer did business in Illinois and said that the default wasn't going to go away. Didn't quite understand why it was in ( default ) not what was communicate or set up. ( Similar to a previous complaint with the CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
Legally disputed items on my credit report to the 3 credit bureaus, have not heard back from XXXX OR Transunion in 55 days from day dispute sent. 

Sent on XX/XX/XXXX CERTIFIED XX/XX/XXXX still no response

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 2021-02-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a dispute on 2 accounts on XX/XX/XXXX. The company failed to respond. I sent a letter to the 3 credit agencies and XXXX  and XXXX  immediately deleted the accounts but Experian still has not removed them and it's been more than 60 days. I want to file a complaint on Experian because it's been 60 days and those accounts are still reporting. The accounts are below. 

XXXX XXXX XXXX XXXX XXXX Credit card : XXXX Amount : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan : XXXX Amount : XXXX Date opened : 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 2017-09-13
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My XXXX year old son has a sub-account under my Bluebird account. Because he is old enough, he tried several times to create his own master account under the Terms of American Express. 

XXXX2017- applied on line for American Express Bluebird pre-paid card and got message " unable to create account. '' XXXX2017- contacted Amex Bluebird by phone. Spoke with customer service who put us in touch with tech support. Tech support suggested that we try different phone and email address. We still were unable to create the account. 

X/XX/2017- later on- contacted Amex BB customer service. They were unable to give more tech support, but I held for quite a while for a supervisor. Supervisor, said that although I meet the qualifications, Amex would not issue a card. She gave no explanation, even though I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: FIRST ADVANTAGE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed this already and my background check still came up as a fail. 
I never used the name XXXX- but received mail in that name It also says one of the addresses in incorrect- I cant remember which one. 
How do I pass this? I am not a criminal. I was fired from XXXX XXXX  because of the failed background check

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All three companies ( Equifax, XXXX, XXXX ) demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the Equifax breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this.
Equifax made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?

Company response to consumer: Closed with explanation