BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 I received a letter from XXXX 's subservicer Nationstar about a {$79.00} delinquent property payment, which I promptly paid. Regardless, and without my permission Nationstar set up an escrow, and started paying my property taxes for me, more than doubling my mortgage. i had signed, and paid for, a waiver to not establish escrow. 

Since XX/XX/XXXX, I have contacted Nationstar numerous times to inquire why they set up the escrow and how i can stop it. 

In XX/XX/XXXX Nationstar informed me my county had requested the escrow. I called the county who denied they contacted Nationstar. 

Nationstar continues to deny they made a mistake and insists on the escrow. They also insist on a $ XXXX " comfort payment, '' which is tantamount to extortion. 

Nationstar has lost three lawsuits in California, New York and Massachusetts, respectively, for consumer fraud. 

Nationstar had no basis for setting up an unwanted escrow and their activities vis a vis my account can only be viewed as a scam. 

At one point, one representative said I could get rid of the escrow if I paid {$1700.00}, he was unable to tell me what that was for. Another representative later told me to forget about that offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: MB FINANCIAL, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my card to make a purchase at XXXX XXXX on XXXX and the transaction went through. I forget something and went back to purchase another item and the transaction was declined. My wife used her card ( joint checking ) and was also declined. There was over {$1000.00} in excess funds in the account. I received a voicemail on the morning of XXXX saying my card was flagged for a fraud alert and placed on hold. I called, verified the transactions and was told that the hold was lifted. Went to lunch 5 hours later on XXXX and was once again declined. Call the bank and was told that there was still a hold on the card that should have been lifted based on my my earlier interaction with them. They can not tell me what triggered the fraud alert and am subjected to being humiliated in of strangers and co-workers when my card gets declined when " MY '' funds are unavailable to me. This is at least the XXXX or XXXX time that this has occurred to either my wife or myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Barclay 's closed my and my wife 's ( XXXX XXXX XXXX and XXXX XXXX XXXX ) credit cards at the end of XX/XX/XXXX with no notification or justification for the closure. I attempted to use my card and it was declined, which is how I learned of the card closure. We received letters in the mail 2 weeks later that provided a vague reason of we can close accounts at any time we see fit. I had XXXX reward points in my account and my wife had XXXX in reward points at the time of the closure. I asked for those points to be redeemed to our accounts at a value of XXXX cent per point ( {$960.00} and {$160.00} ), which is how we always redeemed our rewards via travel redemptions. Barclays refused to redeem the rewards and said they the points had been lost ( and confiscated ). I do not believe this is how this should have been handled and I request that Barclays honors the rewards points I had in my and my wife 's account and reimburse us for those confiscated points.

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 2018-03-19
Company: Experian Information Solutions 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:
I want the company to send me proof that each account on my report is actually mine. I asked the company to do so, but they failed to respond to my matter

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 2017-11-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello, Yes, I took out a loan with HSBC back in 2005, which I have not paid back in full, but have since found that fraud occurred with HSBC charging me a higher interest rate than was allowed, due to the rigging and of Libor interest rate. 

The loan was through XXXX XXXX in XXXX, Ohio. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing failed to pay the property tax before due date of XXXX XXXX. 
Name on the account : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account Due : {$5100.00} Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Select Portfolio Servicing claim payment was paid XXXX XXXX but when request paper confirmation, one can not be provided. According to the XXXX XXXX XXXX XXXX department, payment XXXX as of today ), have not been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX which terminated in XX/XX/XXXX. The account was changed to my daughter in law when I moved out. I told XXXX to send me a final bill for payment. I did not receive a bill, so in the beginning of XX/XX/XXXX I contacted them again, they said they had no record of the account, and said it must have gone to collections, and would have to wait to hear from them.In XX/XX/XXXX I still had not heard anything from a collection agent or XXXX so I called XXXX again, again I was told to wait. By the beginning of XX/XX/XXXX I checked my credit report and there was a derogatory mark on my credit report for a bill from a collection agency for XXXX, and it was for more than triple the bill. I have contacted both XXXX and Credit collection services to try to correct the matter, and neither will do anything other than demand payment. I already had this removed from my credit report once, and then it reappeared this month. I'm hoping you can help me, it would be nice to be treated fairly. I don't think that's asking to much. 
Thank You. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am experiencing an issue with Loan Servicing company Seterus , Inc with respect to them receiving and applying my monthly mortgage payments. They have willfully limited my options with paying my monthly mortgage. This has now caused my payments to fall behind the due dates. On XX/XX/XXXX I attempted to make a payment through their on line payment service for {$2300.00} which would have satisfied my XX/XX/XXXX due date and make the loan current. The transaction confirmation # for the payment was # XXXX. Seterus Inc did not accept the payment. On XX/XX/XXXX I sent by overnight mail at my expense a second payment for {$2300.00} which would have satisfied my XX/XX/XXXX due date. Seterus once again did not accept the check which has now caused my mortgage to be late by 45 days. Seterus evidently now has given me 1 option to pay my mortgage which is by cashier check which is causing undue aggravation and hardship. I request the ability to make payments online through the Seterus website or by personal check.

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 2018-05-02
Company: National Principal Group, LLC
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For months now, I have been harassed by NP Group ( aka National Principal Group, XXXX XXXX XXXX NP ). They claim that I have an outstanding Payday loan which I do not have. More than a month back, after weeks of them calling me repeatedly throughout the day, I requested they send me proof of this alleged debt as I do not have an outstanding payday loan, which they did not do. Their harassment ceased for a few weeks after, though has resumed today. I returned their phone call and in trying to get the necessary information to file a formal complaint, the representative continued to hang up on me. I attempted several more times and upon one attempt, was being told that I would be transferred to their Consumer Affairs department and then was promptly hung up on again. In calling again to demand that they stop harassing me, their representative told me that he was " Not going to argue '' and that I should " Expect calls to continue '', and then proceeded once more to hang up on me. 

Today, I have filed complaints with the FTC and the XXXX. If the harassment continues, I will seek legal action. I will not be bullied into paying a false debt, nor will I tolerate being harassed by a company that refuses to offer any necessary information to prove their credibility. 

I can not attach any documents because the company has failed to provide me with any documentation on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has arbitrarily and without warning increased my student loan interest rates five times, yes you read that right, FIVE TIMES, in the last year alone. That is more than the last 6 years combined. Not to mention they purposefully delay payments that you have made for days on end. There is absolutely no reason that a payment I made on Friday morning has still not gone through Monday afternoon. Absolutely no reason at all. I know the Consumer Financial Protection Bureau and the Department of Education are both run by severely corrupt individuals, who are on par in corrupt practices with XXXX  and just as greedy, but mark my words one day the CFPB and the Department of Education will be run by people who actually do their jobs, which is protect people not corporations, and Navient will pay for their shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, 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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company approached me to assist in getting s prescription drug, but they never provided the service. I called within months of the same year 2015. But they still showed I owed them {$25.00} which is not true. They. Annoy produce any service they provided for the {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: The Receivable Management Services LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly called by Receivable Management Services ( of XXXX Ohio ) I have not been informed of any debt but keep getting calls from this company. Everyday since XXXX. The constant calls after I asked them to stop are affecting my job. I have yet to be notified in written form of any debt they claim is owed.

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 2017-11-21
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection account listed on my personal credit file that is NOT mine. Showing XXXX XXXX XXXX for {$470.00} again this does not belong to me. I want this removed and some help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been given papers of a court filing for petition for revival of judgement. debt was from XX/XX/2009. at that time I was married to my ex wife and resided with her and her son, daughter and her now deceased brother in law. I am not aware of this debt and it is not mine. this is the third case of fraud from this time frame.

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 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-09-26
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I reside at XXXX XXXX XXXX XXXX XXXX Ca XXXX We have 2 mortgage one we stop paying when the value of the house came down since my partner has passed away the title of the house was granted to me by the court, the loan is under my mother in-law but she has never Paid in ti=o the house, Now that the second loan has reached out to me I have been trying to fix the matter so my self and my XXXX children don't loose the house. 

The company at one time was XXXX XXXX that company has closed the account and has handed it over to SN Servicing Corporation I have been in contact with a lady by the name XXXX XXXX Account Representative I have explain to her that now I am on title of the house and I want to get the house out of default she has asked me to make a good faith payment non th e amount of {$1000.00} and {$370.00} a month for the next 6 month at that point I tried to get the money but was not able to asked for if the could give me a month to get the money. 

Then I was told that the amount we spoke of was no longer accepted now it hat to be {$14000.00} and a monthly payment of {$400.00} I only had {$1200.00} and I mailed it out with a note that the {$1200.00} was all I had and that I would make the payment of {$400.00}. Since then they have cashed the check and now that I have asked her to give me a statement of the payment I made Mrs XXXX says now the investors don't want the payment that I send. 

Well they cashed the check and now she says they don't want it I was told that this is a Purchase Money second loan and that I would be able one to get it taken off or come to a agreement with them and that is what I am trying I at no given time have told them I don't want to pay much less loos se the house my children have lost there mother and this house has sentimental value to them and I am trying really hard to keep the house not only because we bought the house back in XX/XX/2006but for my kids memory in this house I am reaching out to you for help in ny way your company can Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company, " Portfolio Recovery Associates '', has been calling repeatedly for almost one year now. In reviewing, we have found no affiliation with this company and can not ascertain the need for them to continue calling our number. Despite a letter sent to them requesting that they stop calling, we received a call on Sunday afternoon, ( XX/XX/2018 ). This has become harassing and they simply need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I sent a complaint to all three credit bureaus XX/XX/2019. Addressing XXXX XXXX on my credit report. XXXX XXXX  Acct # that appears on my credit report is XXXX. My name is inaccurate and the account that is tied to this account is not mine. According to the complaint I filed XX/XX/2019 w/complaint ID # XXXX this account was removed from my credit report. As of XX/XX/2019 it was reported back. The exact same 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 2015-06-10
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Ran annual credit report and inquiry showed an unauthorized credit report run XXXX XXXX, 2014 by Microbilt. Which was requested by XXXX XXXX XXXX XXXX. 

Microbilt - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX Date XXXX XXXX, XXXX XXXX , CA , XXXX - XXXXXXXXHave filed dispute with XXXX and in the process of sending a certified letter with return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine Weiner is claiming I owe them {$190.00} I have no contract with this company and I'm not sure why its on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Experian Information Solutions Inc.
State: NY
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:
I have 56 inquiries on my credit report and have no idea where they came from???!!! I want them removed. Thank you

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 2019-09-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Bank approved me for a {$300.00} limit XXXX XXXX card. I haven't used for a little since waiting to use it. They closed it cuz i didn't use it a lot. Which isn't fair. Now told me apply again but won't let me get it. Due to me rebuilding my credit. I think it is totally unfair that they closed it when wasn't misusing it. No real explanation. Cant believe cards companies do this. When people trying to rebuild credit. No real talk. Not professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Team Recovery Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I paid off a hospital bill to TEAM RECOVERY 3 years ago they refuse to remove it from my credit report even thro that was the deal if i paid it off, so i held up and paid it off in FULL so now THEY WON'T REMOVE IT ( LIERS ) it lowers my score and increases my INTEREST RATE FOR A HOME LOAN! How is it all 3 credit bureaus say its up to the reporting company TEAM RECOVERY TO REMOVE IT?

Company response to consumer: Closed with explanation