BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home loan/Mr Cooper ( Nationstar ) I purchased my parents home in XXXX of XXXX after they passed. My loan was taken over by Mr Cooper in XXXX of XXXX. My paperwork was being processed by the XXXX XXXX County Assessor 's office for my change of title. I qualified for parent-child transfer ( Prop 58 ) in XXXX of XXXX but my file was not complete due to the pandemic. The assessor 's office sent me a letter that I qualified for prop 58 but no one was working in the office. I was told to continue paying any tax bills because I would be reimbursed by the Assessors office eventually. This put my property into reassessment. Mr Cooper changed my loan payment from {$1300.00} to {$2700.00}. I paid this amount for 6 months. According to statements {$1500.00} was to be applied to escrow, which they did not do. The office put my escrow account into the negative {$11000.00}. I tried contacting Mr Cooper several times but no one would help. I would start working with one rep then no reply continuously.

XXXX  Assessors office finally did the reassessment and started sending my payments back to me. Mr Cooper finally ran an analysis but my loan payments were not being lowered so I contacted mr cooper and they said I needed to pay {$5700.00} to cover the negative balance but once they ran the analysis I would get it back. I've been trying to work with them but no response. I submitted a complaint to XXXX XXXX on XX/XX/XXXX but they said they can not audit Mr Coopers escrow because they are their own entity. MR Cooper did send me a refund for a tax payment they submitted in error. But now they are going to raise my loan payment in XX/XX/XXXX from {$130000.00} to {$1400.00}. They change my loan payments whenever. Statements sent to me show interest charged for {$4800.00} and a charge of XXXX XXXX, which last year the charge was $ XXXX.These amounts are about the total they owe me. I have been dealing with these problems for over a year. I've contacted two lawyers and they can not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Rosebud Economic Development Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
this company has been taking money from my account over an extend amount of time. now that I have closed the account they are calling my job Human Resource office harassing me. I have reached out to the Florida Trade commissioner also. please stop calling my job harassing me its illegal.

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 2019-05-08
Company: MiraMed Revenue Group LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove.Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls after speaking with agent and letting them know I would return call after contacting original debitor. Less than 12 hours gone by repeats calls to other family members, in-laws, spouse, spouses place of employment, out state relatives, repeated calls to 6 different relatives or connections in 1 hr after I fail to answer. Ive asked to only contact my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from XXXX XXXX, XXXX stating that an escrow refund check in the amount of {$900.00} from XX/XX/XXXX had not been cashed, and they needed me to fill out a form stating that the original check had been lost or was never received so they could re-issue. The letter was dated XX/XX/XXXX, and I returned it to the original sender, XXXX XXXX of LoanCare , LLC ( XXXX ), on XX/XX/XXXX. I guess my understanding is that LoanCare is the servicing agency for XXXX XXXX? Regardless, after receipt of our signed letter, XXXX XXXX stated issuing the check would take 7-10 days to process, and then mailing time. As of XX/XX/XXXX, we still have not received our check and are concerned about the status of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to apply for a pre approval for a home loan and the lender told me that I was not able to get pre approved because of my credit. I then went to my bank because I thought maybe they were not telling me the truth and my bank who I have been with since I was a teenager told me the same. There are some things on my credit that is not mine. I've contacted the FTC and the police department. I'm acting on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and an account that don't have a name but the account is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Fidelity National Information Services, Inc. (FNIS)
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:
In accordance to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed I contacted the CHEXSYSTEMS to verify and dispute a wrong information posted about a closed checking account since XX/XX/2022 and did not get any response or update on my dispute as of today XX/XX/2022. This ground for removal. They also violated my rights under the 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-03-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I notified Novient when i found myself laid off and they didn't inform me of any options available to me. They did put my loan in forebarence and reported my payments late on my credit report. I told them I was making less than 800 a month. Rather than educating me on an income driven loan which I would not qualified for. Now I'm again trying to get an income driven loan and I feel they are attempting to put me in a higher payment than what Ive researched my payments should be. I asked them to remove the late payments on my credit report and they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Copy of email sent to Corporate Heads at Best Buy : This complaint is regarding an illegal charge that caused my credit score to drop over 80 points. I was made aware when I checked my FICO score ( which I check constantly ). My score dropped from XXXX to XXXX ALL BECAUSE OF THIS ISSUE WITH XXXX AUTOMATICALLY BILLING FOR XXXX COVERAGE OF MY XXXX. Please be aware that I do not have to have coverage, so why are you all billing AND NOT OFFERING me yearly coverage like you NORMALLY DID IN THE PAST. It's my decision if I want to continue my coverage. 

I'm highly upset and as a XXXX XXXX XXXX, I'm disappointed. I've work extremely hard on my credit and have been a Best Buy customer for 5yrs. 

Who gave XXXX the authority to charge and subsequently report the XX/XX/2019 charge past due and late? Why was I not contacted about the charge? If automatically billed, why was it not automatically paid with my bank account on file? 
As of XX/XX/XXXX, this caused Citibank to charge 2 late charges and interest charges. I contacted Citibank and in order for them to reverse the late charges, I had to authorize them to take the original payment from my bank account on file. AND THERE'S STILL REMAINS AN INTEREST CHARGE OF {$6.00} is due XX/XX/19. 


Please update information to all 3 credit bureaus and have my credit score RESTORED to its original number IMMEDIATELY.

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 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX # XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/2008. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH TRANSUNION, XXXX  AND XXXX  WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.

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 2020-02-04
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX of 2019 we signed loan documents in front of a Notary Signing Agent at a XXXX in XXXX XXXX. Those papers stated that our new Refinance Mortgage Payment was going to be {$2300.00} and that we were going to receive at closing {$1900.00}. I called and contacted XXXX XXXX the Processor at Cash Call Mortgage many times to ask him about when was the loan closing because it was taking so much time and he was finding many silly excuses to close the loan late, one time we wrote in one of his emails that every time I ask a question I hold my loan 1 day and the they were low in workers that was why he was taking forever to close my loan. It took about 2 weeks to close my loan after we signed the Loan Documents. Everything was legitimate in our end, paperwork, employment and credit but he was finding the minimal excuses to make the loan late. we were never told that the mortgage payment was going to increase and that we were going to receive less money at closing that we had agreed. We received {$1700.00} instead of {$1900.00} and they also charged some fees that were not disclosed on the signed documents. The fees were {$250.00} one was {$120.00} and it said QCD and the other was {$120.00} for Transfer Tax. The purpose for us to refinance was to lower our mortgage payment from XXXX of $ 2500ish and at the end Cash Call mortgage gave is the same payment. Their practices of doing Loans is not professional at all and they do wherever they please with their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit, debit card, and through an intermediary named XXXX in the total amount of XXXX USD utilizing Wells Fargo services.

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 2019-05-08
Company: EQUIFAX, INC.
State: GA
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:
Equifax and XXXX  are reporting incorrectly that I am 90-120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last year ( 2016 ) I received a call from XXXX XXXX XXXX XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with XXXX. The debt was completely paid off XX/XX/XXXX of last year after 6 payments had been made. 

A few weeks ago, I answered a call from a number I did n't recognize and it was Portfolio Recovery Associates saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call. 
I called XXXX and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment. 

Finally, someone at XXXX told me how to file a dispute with XXXX. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid. 

Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling XXXX, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt. 

This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from XXXX that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt! 

Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXXI happily went to a local Chase branch to open up a new checking account. As part of the opening I brought in an opening bonus coupon that gives {$500.00} for opening new account with

Chase. Who knew this would turned out to be a disaster, the very next day Chase closed my checking account ALONG WITH ALL MY EXISTING CREDIT CARDS. I have not done anything to the account at this point other than initial funding of the account. I suspect two reasons for the closure. 1 ) Chase simply does not want to pay out the opening bonus. 2 ) I was targeted as a minority and the banker had flagged my account. I had a College Checking with Chase before and at the time I did not open with a bonus coupon and the banker was a minority himself. A closure did not happen then and I had it for a long time until I grew out of the account. There has been no other reasons I can think of that would justify the closure of my accounts. I called Chase
on XX/XX/XXXX and they refused to state the reason of closure, which seem even more suspicious as they can't even come up with a legitimate reason for closure.

I've never seem such outright discrimination from a financial institution as Chase. I am truly disappointed as I was trying to expand my banking relationship with Chase and they did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to cosign for my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit on one of those credit sites and there are some things on there that are not mine. I've contacted my police department and the FTC. I'm doing all this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit. 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 non-monetary relief
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 sent several disputes to XXXX XXXX XXXX regarding the alleged balance due. Prior to responding to me regarding one of the disputes in XX/XX/2021, XXXX responded to a third party verifying the validity of the debt. As of XX/XX/2021, XXXX has verified the validity of the debt with the credit reporting agencies and have continuously failed to respond to my disputes. This is in violation of FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion is reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see page 31 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-02-18
Company: Nelnet, Inc.
State: LA
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:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation