BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper Mortgage You are charging me the wrong amount for my property taxes. I have spoke to numerous departments over and over about this and faxed you on XX/XX/XXXX the tax property coupons. No one corrected this or acknowledged my fax in XXXX. 
Yesterday XX/XX/XXXX I received an email saying my statement was ready. You ran an analysis with the wrong information AGAIN and adding to it now saying I also have a shortage. 
I spent 55 minutes with a man who could not answer why thus is happening and said my taxes must have changed. I went to the XXXX Department in my County and No they had not increased or changed. 

My County tax department pointed out that you were charging me the {$45.00} water basin fee 2 times, which is incorrect. 

This fee is a ONE TIME ONLY ANNUAL FEE. 
The {$45.00} fee is INCLUDED in the XXXX Spring installment only. 

XXXX + XXXX = XXXX. This was already paid in XX/XX/XXXX. 

The second installment is XXXX due in XXXX. DO NOT ICLUDE THE {$45.00} My total annual tax bill is XXXX On the last several statements you show XXXX. 

I faxed the tax department AGAIN on XX/XX/XXXX for the second time requesting this be corrected. 
This is a simple correction that I can not understand why it is not being addressed. 

Can someone actually make this correction and tell me why I'm again being thrown into a shortage AGAIN? 
In the last 4 months my payments have fluctuations of XXXX XXXX XXXX. Shortage PAID IN FULL XXXX XXXX XXXX My current installment is XXXX Currently- I have paid another XXXX shortage on XX/XX/XXXX but don't understand why or what made an escrow shortage. 

This XXXX shortage is unexplainable plus the additional monthly tax of XXXX XXXX is inaccurate. 
You need to correct the tax amount in my escrow You have not properly serviced my account and have not made corrections that I have requested. 
If you had corrected the tax error before you ran another analysis on XX/XX/XXXX there would be no shortage again. 
These errors in my escrow since XXXX have been made by your departments and their lack of knowledge or ability to make timely corrections. 
I am requesting my escrow account be brought accurate correct the tax amount and refund the XXXX shortage I paid that no one could explain why I was shortage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: IN
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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2022-06-28
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the fair credit reporting act XXXXXXXX XXXX # XXXX and # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish and 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 2023-10-18
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened the credit card for the purpose of doing a balance transfer from another card. When I applied it asked if I wanted to do a balance transfer. I said yes. It asked for amount. I put in an amount. I thought this was to see if I qualified for the card. I did. I was then sent the card and I opened an account t in their app. I was immediately asked about a balance transfer. I put in approximately the same amount as when I signed up for the card. I received a letter soon after saying the transfer was denied. I was under the impression I only requested one transfer at this time. The letter was very vague and did not state that another transfer was already I. The works. I did a grander through an existing card that I have. Then I opened my BOA app to see that a transfer did in fact go through. I called immediately and was told to get XXXX XXXX to send me a check for the amount. I did. They sent me a check and I immediately paid of the balance transfer amount to BOA. They are refusing to refund the {$120.00} transfer fee even though their letter was not detailed and as a consumer I did not understand. I thought it was because I was trying to transfer money from one Visa card to another. I did not know the first time I enetered the amount it was going through as a transfer. I am not scamming no just want the fee reversed. They refuse to help me.

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 2023-10-13
Company: EQUIFAX, INC.
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
INCORRECT MARKED LATE PAYMENT AGAINST ME WHILE IHAVE BEEN UNDER A LOT OF STRESS, I THINK THEY ARE WRONG XXXX A PAYMENT IS NOT MARKED LATE UNTIL 30 DAYS, I HAVE NOTHING LATE ON MY CREDIT FILE APART FROM XXXX XXXX WHICH I OVERPAYED AND PAID EARLY IN XXXXTHIS IS CAUSING A GREAT DEAL OF ADDED STRESS AND XXXX ARE NOT ACCEPTING A MISTAKE. 
SUPPLIED MY PRESCRIPTION AND COUNSELLING FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Hi Transunion XXXX again with my XXXX complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. Just please remove the XXXX accounts, i have everything you need to remove them and i still dont understand why they wont be removed.

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 2022-06-28
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX To whom this may concern : Please Note : This is my second attempt requesting a response. I requested Specialized Loan Servicing, LLC to rescind the 1099-C, due to the unsubstantiated debt being 36 months old. If not addressed, I will have no other choice but to dispute this matter with the IRS and beyond. Please forward your correspondence via this CFPB portal.

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 2016-12-09
Company: Experian Information Solutions Inc.
State: MO
Product: Other financial service
Sub-product: Credit repair
Issue: Unexpected/Other fees

Complaint:
I went to annualcreditreport.com to help my step-son get his credit reports. Experian indicated I needed to pay a small fee to obtain some detailed information for him. I used my credit card to pay the small fee. Experian has since, enrolled me in a membership service for {$2100.00} per month. I did not realize this, I did not want the membership. I think they were deceptive in their membership enrollment. I called them and asked for XXXX of the XXXX charges to be reversed. I said I 'd pay for the initial fee since I must have made a mistake and not read their " fine print ''. They canceled the " membership '', but refused to remove the other fee. Luckily for me, I can afford the unnecessary fee ; however, I think there are thousands of people being duped by this practice and then Experian is not willing to refund fees for services no one wants or even realizes they 've signed up for. The supervisor at Experian I spoke with was XXXX and her employee ID is XXXX. I actually work for XXXX and I no longer trust Experian or their business practices. I will work within my company to limit our business dealings with them. Experian is dishonest and has deceptive practices. None of the other XXXX credit bureau agencies attempted to enroll me in a membership I did not want or need.

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 2023-11-10
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I just received an email from Chime welcoming me and letting me know that my debit card should be arriving soon in the mail. I have tried to contact them but I have not received any response. At this point I am waiting for the card to arrive so I can call with that information and make use they close it. Less than a month ago this happened to my husband and whole researching online it seems thus is happening quite often with chime. They really should analyze their account opening process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-28
Company: Experian Information Solutions Inc.
State: MD
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:
I am a consumer by the law and my information was misused and now I have false information, not 100 % accurate accounts on my credit report. All being unauthorized use of my credit report.

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 2022-06-28
Company: U.S. BANCORP
State: NY
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:
7 fraudulent charges to my U.S. bank XXXX  credit card between XXXX XXXX totaling approximately {$23000.00} ( 2 different stores ). 

When I noticed the fraudulent charges in XX/XX/2022 I immediately contacted the credit card company to report them. 

I then received a letter from the credit card company dated XX/XX/XXXX acknowledging my complaint and giving notice that the company had given provisional credit for the fraudulent charges. 

With my XXXX statement I noticed that all the fraudulent charges had been returned to my statement. 

I immediately called the fraud department customer service to complain. The representative XXXX said she could not handle the problem, but a case processor named XXXX would call me to follow up. I have not received a call from the processor or any other call or written communication about the fraudulent charges that were restored to my card. I have a confirmation number for my contact with 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 2022-11-30
Company: Netspend Corporation
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
PayPal prepaid/NetSpend debit XXXX opened XX/XX/2022 several XXXX deposit and withdrawals had been performed, but there was no evidence no transaction of any where appearing anywhere in, so I called all the time to complain, was treated very rudely, accused of stealing, lieing, owed nd told it's your account not our issue.09/20/2022 Unauthorized withdraw {$530.00} for XXXXXXXX XXXX XXXX reader taken by XXXX Play athorized by XXXX Pay XXXX only knew this because I called before bed to check balance and again in morning and wasn't correct, called agent informed me of the issue and wouldn't wait for me to get the rest of my cash off the card he blocked it, and last I've seen or heard about, on XX/XX/2022 XXXXXXXX XXXX refunded me for the XXXX that was added XX/XX/2022 charged XX/XX/2022 and refunded XX/XX/2022 proven no purchase {$74.00} refunded and XX/XX/2022 I received in my XXXX invoices for everything and screenshot or downloaded as much from there mobile app, but they won't accept, also XX/XX/2022 day card was blocked and agent informed me of the transaction those records are missing I have bank statement showing I had money XX/XX/2022 {$2300.00} on card withdrew {$1500.00} XX/XX/2022 and was {$620.00} still on card night of XX/XX/2022 XX/XX/2022 invoices for that day of transactions gone XXXX XXXX isn't even shown how I obtain the cash

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 2022-06-28
Company: SYNCHRONY FINANCIAL
State: VI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received notification from the credit bureau that my old navy credit card account had been closed in XX/XX/XXXX. I later received a notice by mail that they were in fact transferring service from synchrony bank to XXXX and that it " would not affect my credit '' ( It did because it was inaccurately closed ). I received a new credit card agreement pending the credit card. The notice indicates I should have already received my new card in XXXX. I have tried calling to no avail as they are not able to identify the account due to it being closed inaccurately, only to be told that I can reapply! I as the consumer at no fault, should not be asked to reapply. I have been an existing account holder with excellent pay history since 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 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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