BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I represent a homeowner selling her home as a short sale. I initiated a short sale in XXXX for my seller originally in XXXX. By the first of XXXX the short sale was rejected due to the loan being charged off. I called MR. Cooper ( 2nd lien ) and asked where the file went, and if they still were servicing it i wanted a lien release letter. They said they did not know if they were still servicing the file at that time or had released it to a different servicer. I continued to call to find out and asked the seller if she had received any mail regarding this charge off and she said she did not receive any information about the charge off. After calling for a month Mr. Cooper told me that they reversed the charge off and I could initiate the short sale again through XXXX which I did. I told the servicer that this file should be streamlined and escalated since they had wasted so much of our time and also that one of the borrowers had passed away so we should be able to streamline it. I completed all my tasks on time and an appraisal was ordered. I waited several weeks and emailed the manager regarding the status often during this process with little or no response. I decided to call the escalations department today to see what the hold up was and the agent apologized for the delays and would help resolve this. he sent the file to be assigned to a negotiator which should have been done weeks ago and then said that they would review it today so we could have our approval letter by next week on Wednesday. Later that same day the manager assigned to my file called me and said " We cant continue '' I asked why and he said that Mr Cooper isnt really servicing this loan and XXXX is ... I was shocked. I asked why am I now finding this out since I have had an active short sale being processed for three months now and he said they made a mistake. I told him that was not a mistake but was DECEPTIVE in every way! If Mr. Cooper told me over two months ago that they did reverse the charge off then why did you accept the short sale? He could not give me a straight answer. I told him I would be filing a complaint with the CFPB and he told me NOT to threaten him. I said I was not threatening him by filing a complaint. I asked why he had not replied to any of my emails I sent in XXXX and he said he is not a negotiator and doesnt reply to those emails. I said we did not even have a negotiator assigned to this file until today!! He said that if I threatened him with a complaint he would not be willing to help me resolve this issue. I Told him that he needed to send everything to the new servicer immediately and then call me tomorrow and let me know how soon we can get our approval since everything had already been completed. He said he MIGHT call me tomorrow but would not guarantee anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
XXXX is validating information form a creditor that is false. I asked for credit applications, signatures, bills etc from the creditor, they did not produce them and XXXX validates bogus information. 

They also report on things that were paid off and do not update. properly. They also will not let me re dispute, so it stays on my good name without any recourse to them.

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: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Suddenly I have received a collection bill for XXXX through PennCredit about my previous landlord 's electric bill. I had verbal agreement with my landlord about monthly rent including all bills and I paid all my rent from XX/XX/XXXXto XX/XX/XXXX and moved out from that house in XX/XX/XXXX and the bill was from XX/XX/XXXXto XX/XX/XXXXand the total amount of the bill isXXXX. I never received any bill before, no phone call, no reminder about this bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX there was a total of XXXX unauthorized transactions on my account XXXX from XXXX and two from bed bath and beyond this day I was working at XXXX XXXX I called immediately after my card got declined and an error was made in my claim stating XXXX transactions were unauthorized which makes my claim inaccurate two days after filling the claim I get an email stating my cliam has  been resolved and that the transactions were VALID because I logged in to my account the on XXXX XXXX XXXX XXXX and XXXX but the TRANSACTIONS I WAS CLAIMING WERE DONE ON THE XXXX now they are refusing to open my claim even though I informed them of the error all they tell me is I have to provide proof to be abe to re open the claim but when I ask if my schedule is suuficent the rep says whatever I think is evidence is enough but then refuses to actually re open the claim saying I need to send in evidence showing I wasnt there on that day I asked if my schedule was enough again this time she said no because I would have to prove I was actually there and that it was my job to monitor my account. I have never wasted this much money at a store before especially not XXXX or bed bath & beyond and i never got a alert to my phone to authorize the transactions the card that was being used was not even mine because my card has a chip on it whoever copied my card had to of copied the back side of my card and cloned my card because I was working that day XXXX never intended for the rep to add XXXX extra transactions that were authorized which in turn got my claim denied

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, 2017 I went to Western Union to send money to a family member in XXXX for the urgent payment of school/exam fees. The intended recipient went to a location of Western Union in XXXX to collect the funds, but the payment was denied saying : " The payment was on hold ''. 

I immediately called Western Union from my home office and they requested to call me on the phone number that they had on file for me ; which I gave them the go ahead to do. Having called me ; all I was told is that Western Union has denied the transfer and that I will be refunded my money. I asked again for an explanation and the person I spoke to had nothing to say to me except that Western Union had denied transferring the money. 

Since I am a law abiding citizen of the United States, and that Western Union is accepting transactions from other resident aliens and citizens, I am of the opinion that I have been discriminated against. They have without any grounds refused to carry through with the service I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2019-04-18
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Unethical Bank - DENIED me access to my CD and savings account online unless I agree to " paper statements ''. 

Forced to telephone to get access to online account. Then person claims can agree. 
Dishonest to deny full-time access to online account. 

Representative did not know when account would allow me access but would send request to not select paperless option. 
Still account access my {$250000.00} account. 

Second problem : Highest CD withdrawal penalties in the nation at 270 days. 

MY goal : Leave this dishonest institution when my CD is UP! 

" Withdrawing Your Electronic Acceptance of Documents You understand that you have the right to receive Documents in paper form. You can request paper copies and/or withdraw consent by contacting us at XXXX ( XXXX ). 
Any withdrawal of your consent to receive electronic Documents will be effective only after we have a reasonable period of time to process your withdrawal. If you withdraw your consent, you may not be able to use certain online functionality with respect to your Products or complete actions with respect to your Products online. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to Midland Funding ( Encore Capital Group ) regarding a debt from an XXXX Credit card that was sent to XXXX XXXX  for collection. The debt was for XXXX XXXX  in the amount of {$1100.00}. The original account number was XXXX. My Midland Funding Account XXXX was XXXX. For some reason thay have changed this to XXXX. 

I paid the collection in full to XXXX XXXX ( XXXX ). XXXX XXXX received the new amount due {$1200.00} on XX/XX/XXXX. I received the receipt for the payment on invoice # XXXX. A letter showing the payment was made and a copy of a letter sent to the court to show the payment was made. I contacted Midland Funding and they redirected me to XXXX XXXX. I called back and spoke to someone who said they would reach out to XXXX XXXX and my credit report would be updated in 30 days. 

When the credit report was not updated I contacted Midland Funding and received a voicemail. I left 3 messages that were not returned. I disputed the collection with the 3 credit bureaus but was told I did not have enough information to have the collection removed. I contacted Midland Funding again, who tried to send me back to XXXX XXXX. They said that still have not received the letter from the law office, but will reach out to hem, once again. They will not let me send them the receipts. They claim these must come from the law office and when they are received my credit report will be updated. They claim to have reached out to XXXX XXXX twice already with no response. 

I contacted XXXX XXXX. They claim to have sent the information to Midland Funding. I contacted Midland Funding on XX/XX/XXXX via chat and spoke to XXXX XXXX. I was told a Cease and Desist was placed on my account and forwarded to another number. I spoke to XXXX XXXX who would not provide a last name ) at XXXX am XX/XX/XXXX who had me remove the Cease and Desist claiming I placed this on XX/XX/XXXX - which I did not do. I did however speak to XXXX XXXX at XXXX XXXX who told me that would reach out to Midland Funding that day to correct the issue. 

XXXX consistently spoke over me and I requested a manager. Then XXXX informed me that they had reached out to XXXX XXXX twice, it is in my records, but they have not received anything from them. After asking repeatedly what happened in that correspondence and told me they have been having technical difficulties and they are missing a code. I explained that I understand technical difficulties but 2 months, 10 phone call and 2 chats should have resolved this and I wanted to speak to a manager. He told me no mangers were available and I could call back in 1 hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: Byrider Franchising, LLC
State: AK
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:
On XX/XX/XXXX of XXXX XXXX XXXX reported to XXXX that my account payment status is pays account as agreed, Balance update was XX/XX/XXXX of XXXX. Account closed. 
Now here it is XX/XX/XXXX XXXX XXXX and XXXX XXXX is reporting on XXXX and XXXX that Payment Status is Bad debt & placed for collection & skip Status Updated XX/XX/XXXX. 
This is totally wrong to report for almost 4 years as a account being paid as agreed and then change it to a negative status and keep on record till XXXX. 
Please help get XXXX and XXXX showing a good status as XXXX XXXX reports are wrong and for 4 years I was in good standings and now I am negative???

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX My identity was stolen about 14 years ago but still till this day they try to apply for loans and credit cards they even tried to steal my mail from my house, they applied XXXX XXXX twice separate dates, i haven't use my credit for more then 10 years because of this problem my life is ruined because of identity theft, please remove this 2 inquires from my credit report, even if it matches your information that doesn't mean i applied for it, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have had accounts hit my credit for hospital bills for my son which I provided his insurance to the hospital the bill is for XXXX I have requested a copy of the bill have not received a copy of any thing also have a few other medical bills in collections that I have also requested copy of bills again not received anything have tried to dispute have also told the on one of the account s the address does not match the address I have lived at for 8 years now also just got hit with another medical bill XXXX dollars I believe not sure for wat have not received any bill for it can't file identity theft cause I don't know the information to do so I was informed some one went into the hospital using my info but when I requested info on it the stated due to XXXX laws they can't provide me the details of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: SYNCHRONY FINANCIAL
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I received a PayPal Master Card statement during the week of XX/XX/XXXX in the amount of {$15.00} for two unknown business transactions as listed below : Tran Date Post Date Reference Number Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX FL {$6.00} 0 % PROMOTIONAL APR XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX FL {$8.00} 0 % PROMOTIONAL APR I called PayPal Credit Services numbers XXXX XXXX and XXXX ( for my PayPal account ), and spoke with 4 different PayPal Customer Service Representatives : XXXX XXXX 1rst ), unknown lady name ( 2nd ), XXXX  ( 3rd ), and XXXX ( 4th ) on Saturday, XX/XX/XXXX to report for these fraudulent business transactions. None of them was able to assist me to deal with/resolve this problem. The first one just simply hear what I said to him and then asked to to wait on the line so that he can forward me to the correct phone line. They just repeatedly did that until when I reach to the 4 person, and each time they put me on hold for several minutes of waiting on the phone line. I logged in to my PayPal account and sent an email to request for closing of this PayPay Master card due to these fraudulent charges, and received an email response on XX/XX/XXXX to ask me to contact PayPay Master Card phone number at XXXX to dispute for these transactions. On XX/XX/XXXX, I logged in to my PayPal account and found that a new fraudulent charge was shown up on my PayPay Master Card account as listed below : XX/XX/XXXX XXXX XXXX FL XXXX I called PayPal Master card phone number and spoke with XXXX, a PayPal Master Card Customer Service , I reported all three fraudulent transactions mentioned above to him, and he told me that he will give me the phone number of that business entity so that I can speak with them directly to find out and disconnected the phone. I called to the given number at XXXX ( the fraudulent business who charged me 3 times within a few weeks for unknown business transactions with them ), and no one picked up the phone. A voice message asked me to leave a message, and I just disconnected that phone call. I logged in to my PayPal account online, clicked on the PayPal Master Card balance link to connect to the XXXX XXXX and  requested for closing my PayPal Master card account, and also made a full payment of {$24.00} to that account while waiting for the dispute to be processed because I don't want these dispute transaction would impact my current excellent credit scores.

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 2018-10-18
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The complaint is against FBC Mortage, LLC XXXX XXXX from the start it was impossible to get a hold of XXXX or get replies back form vm and emails. First it was misleading we were told that our payments would be XXXX or lower a month. Are initial loan document had all the wrong numbers and when I pointed it out he told me not to worry about it. The application was just to get started. I sent them all the docs they requested that same day requested. They never confirmed received and they they lose some of them I had to resend them. Throughout the process I kept asking if they had everything no reply and days later they would reply and say yes. Well 3 months before closing I asked are we all set they go oh no we need some more docs, its like when did you plan on calling me. Two weeks before closing which was set to be XX/XX/2018 I kept asking when do we lock interest rate when do we get the final loan documents so I can review and make sure everything is correct. XXXX XXXX kept making excuses and putting me off. Three days before closing he finally locked interest ( and not because I was late on getting docs back he delayed I have no reason why ) and emailed us the docs rushing us that we needed to sign that night he emailed it to us around XXXX XXXX. 
When I saw the interest rate I asked why is it higher over 1. percent he goes to me it went up this week. So what you are telling me because you waited so long on locking the rate we now have to pay more mortgage payment. When I was asking for the documents the week before closing XX/XX/2018 it was at 4.85 and he locked it in the next week at I believe over 5. Because of this we could no longer afford the payment they wanted over {$1800.00} a month and we kept telling them we can't afford more then {$1600.00} they kept telling us and misleading us telling us they would be low. We could not go into a new home deal knowing we would loose the house and had to walk away. Because of that we lost the {$3000.00} deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filed an identity theft report I need this fraudulent inaccurate information off of my credit report. This is hurting my family as well from purchasing a home. We are running out of options cant get a home and will eventually cause my family to be in a homeless shelter. Please help. I contacted this company several times by phone and by mail with still no progress. 

XXXX XXXX XXXX XXXX {$660.00}

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 2021-02-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports (  Experian, XXXX  and XXXX, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.

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