BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from the city of XXXX dated XX/XX/XXXX indicating the tax after homestead exemption decreased the amount due. After contacting Mr. Cooper on XX/XX/XXXX, and again on XX/XX/XXXX, I received a letter from them dated XX/XX/XXXX confirming they disbursed more than the amount billed and my account was due a refund. I have contacted them multiple times since over the past four months and received various and conflicting guidance regarding next steps, processes, supervisors, timeframes, and rationales for delays. I contacted the city directly on XX/XX/XXXX but they have no record of documentation received from Mr. Cooper to date and was advised Mr. Cooper can simply provide a letter that the city can return the overpayment owed directly to me. I have been speaking with two escalation customer service specialists ; one advised me to request that letter from a different department I could only reach via email and whose response was to contact customer service. I have been updated that there is no update, end of day extends into multiple days, and the assigned agent is unresponsive. They seem unwilling to issue the refund to my account and have not provided the letter nor any barriers for them to be able to do so or meaningful detailed information for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 the 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
NetSpend corporation locked my account and kept me away from my funds after I filed a few disputes as it was frauded and my card was being used by someone else. I tried fixing the issue to gain access to my account and did everything they asked like identity approval, they approved me and I still didn't gain access they took it up on themselves to close my account after the asking of my id, social, address and other information. They were still charging me fees and didn't allow me to gain access to any of my information bor did they have valid reason as to why they asked for identity or as to why they closed it afterwards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a credit card with Chase Bank. My payment was past due by about two weeks. In the two weeks that my payment was considered past due, Chase Bank called me a minimum of two times per day, everyday. In addition to calling me excessively, they called my father, without my knowledge or consent, a minimum of two times per day as well. After a few days of excessive phone calls, my father answered their call. The representative of Chase Bank then told my father, without my knowledge or consent, that I had a credit card with them, they then told him the exact balance of the credit card, the amount of time that the payment was past due, the minimum payment that I owed to them and when my next payment was due. In addition to telling my father this information, without my knowledge or consent, the Chase Bank representative then allowed my father to authorize and schedule a payment from a bank account that I had previously used to make a payment on my Chase credit card. The representative allowed my father to choose the amount that would be taken from MY checking account and used to pay Chase Bank, all without my consent or even knowledge. Because I did not know that Chase Bank had contacted my father, shared my information and allowed my father to authorize a payment from my personal checking account on my behalf, I did not have the funds to cover the payment in my checking account, thus over drafting the account. Chase Bank had no right to contact my father, let alone share my personal information with him, or allow him to authorize Chase Bank to withdraw money from my personal checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX BANK violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX BANK has violated this law because this late payment is reporting on TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX BANK has violated this law because this late payment reporting on TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX BANK has violated this law because they furnished this EXPERIENCE to TransUnion and I didnt give them permission to do so.

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 2019-11-04
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I lost my job after working for the smae non for profit as a XXXX XXXX XXXX/XXXX. XXXX  for almost 20 years. Shortly after losing my job, and trying to seek a new one, I began the process of notifying in writing and by telepohne, my Creditors ( Discover, XXXX XXXX, XXXX, XXXX, XXXX XXXX ) that I had lost my job and was seeking to re organize my debt to pay it a different way. In XXXX, XXXX I had engaged XXXX XXXX XXXX to assist me in seeking debty negotiation, to settle all acccounts. XXXX XXXX  Neglected to contact my creditors and instead, they claimed to " negotiate '' settlemtns after my credit cards had gone into default and were sent to collections companies which also ruined my credit, something I wanted to avert. 
Presenlty, Discover Card account ending in XXXX was sold to XXXX XXXX ( Arizona ) a debt collection company that uses threats and intimidation tactics, they have failed to negotiate a resonable settlement, and their numbers are wrong! XXXX XXXX, and XXXX ( Discover Card sold my alleged debt to XXXX ) will not speak with me although I have written to them ( I have proof ), and telephoned them numerous times in an attmept to settle my obligation to them, but they are playing hard ball. 
I did settle on my own, two accounts with XXXX XXXX, XXXX ( the gave me very reasonable terms, and were nice about settling with me. ), XXXX XXXX, and XXXX credit card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent in a dispute to all credit agencies in XXXX of 2019. Pro collect sebt paperwork back and i sent in my copies. They stipl will not remove it even though i encluded all my documentation. There paperwork is wrong. They stated my move out date was a different date then the date i moved out. Also the original creditor XXXX XXXX XXXX is no longer valid. They shut down due to fraudlent practices.

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 2019-11-04
Company: Lending Club Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LENDING CLUB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LENDMARK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Their investigation did not fix an error on your report

Complaint:
Experian is not verifying the debt. They let these companies send in anything and tell me it was verified. I ask for proof from both the companies and Experian and I have yet to receive Verifiable proof ( Signed Contract ). I am an Identity theft victim. I am trying my best to clean up this mess. I submitted my dispute in writing and the next day Experian told me all of these accounts were verified. This is a clear violation of the FCRA. They have not supplied me with Verified proof. I have asked the companies and the credit bureaus and no answer just letters telling me it was verified they are allowing companies to send in false information which is fraud and illegal. I want these accounts removed from my credit report immediately. They have 30 days and the companies in question have ignored all 3 letters I have sent out. I then brought it to the credit bureaus ' attention just for them to tell me in 1 day it's valid.

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 2022-07-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My HSBC credit card number was stolen and initiated the below purchases without my knowledge XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX NY {$61.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX CN {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX MO {$1200.00} In that same date XXXX the HSBC security team found several other fraudulent charges as follows XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX XXXX XXXX XXXX XXXX ND XX/XX/XXXX XXXX XXXX SP XXXX XXXX XXXX FL All of these transactions were blocked as a part of fraud prevention and we reported fraud from our side and and credit card was closed. And a new credit card was issued But the charge we disputed for the amount of XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX MO is reinstated in the statement. Now there is a late fee and finance charge was accrued. Got a statement of Account number ending in XXXX New Balance {$1200.00} Minimum Payment Due {$76.00} Payment Due Date XX/XX/XXXX Neither me nor my spouse XXXX XXXX initiated this purchase and we never received any services from XXXX XXXX XXXX  XXXX XXXX MO for the amount of {$1200.00} And when I called the fraud investigation team, they are saying My spouse XXXX XXXX initiated the purchase, and the HSBC send us the bill of XXXX XXXX and surgical through email stating that the name is correct, verifying the bill from our side which states my spouse name is correct but the address is incorrect, our XXXX number is missing.There are hundreds of apartment units in this apartment complex If his name was used in the above transaction, He was a victim of identity theft dated XXXX and his police report is also enclosed. 
So I filed a new police report under my name for the above said transactions in my local police department. 
And more over the fraud investigation team told us to call this XXXX XXXX XXXX company and we called them they told us to send an email regarding this matter and the send email is also enclosed. And when we call them they are asking us which company are you calling from and the fact is that we dont have a company in the first place and we dont know who is this XXXX XXXX  XXXX company.Moreover it is oblivious that somebody initiated several purchases on the same date. 
We called the HSBC regarding this matter several times, chatted several times, send email but got rejected and even send a register letter to the HSBC billing department and there is no help from the HSBC credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have recently noticed upon running my credit to purchase a home for the first time that I have a 30 day late payment associated with my credit card account with XXXX XXXX XXXX XXXX. this was back in XX/XX/2018. What happened was months before that I have been paying my balances manually online, and in XXXX had decided to use their App auto-pay on my XXXX for convenience purpose since its how I pay my other cards anyways. The transition to auto-pay was not as smooth as it did not take my payment for that month and it is understandable since the app did not have my correct statement ending balance so it will not take my payment. I had called XXXX customer services regarding this matter during XX/XX/2018 and it was a recorded call. In that conversation, I had told them what had happened and the reason why the payment was late. The customer representative at that time apologized for the inconvenience and had waived the late fee I had incurred. My payments were never late before and after this occurrence with any account I have under my name unless there was an error. 

I contacted XXXX XXXX XXXX XXXX and had asked them why they reported my payment being late for 30 days. I had thought that they would not report this matter because it was a system error on their end that resulted in my payment not being processed on time. I had explained to the agent what the conversation was during that time and what our resolution was but the customer representative had told me that she can not do anything but will tell her supervisor regarding the matter, I had closed my account with them because of this upsetting situation I have been a responsible account holder for years and was misled to believe that they had fixed and acknowledged that it was a system error but reported me to the credit bureau anyways.

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 2017-03-28
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have had repeated trouble with Navient who I did not believe to be my legal and valid loan servicer. I 've been called on several occasions  in  XXXX  and  my questions as to which loans they held and how they received them were never answered as my loans are consolidated and reside with  XXXX  and the department of education. I 've been hung up on when asking to speak to a supervisor about this matter. They have even gone so far as aggressively calling and leaving personal account information with strangers asking for me at a coffeeshop near where I do volunteer work. It is not a place i have ever worked I have no idea how they decided to call said coffee shop, I assume because it shar es a street addre ss with a theatre where I volunteer. I do not have permanent nor part time employment and have not sinc e  XXXX . I co nsolidated all my student loans through  XXXX  and the Department of Education, and have them in deferment and in good standing with a income dependent payment plan in place starting in  XXXX   XXXX . I have documentation provided from Nelnet stating as such. Today I learned my entire joint tax refund filed by my husband and I has been claimed by Department of the Treasury via th e Dept. of Education C/o Navient for  defaulted student loans. When I log into Navient 's system It states " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' ( I have screen shots for documentation ) I have been under the impression that all my loans were successfully consolidated in    XXXX   an d in good standing so it comes as a shock to see  XXXX  loans dating t o  XXXX - XXXX  b eing called into question. I truly believe Navient has fraudulently concealed these loans or falsified their very existence which they claim have been in repayment since  XXXX  defaulting in   XXXX  (  I never received word of Navient 's existence until the late spring of   XXXX   ) from  XXXX  and the Dept of education when I consolidated my loans. The department of Education informed me they themseves did not know how or why Navient allegedly had these loans when I consolidated all loans i n  XXXX . I  believe the account was made default through fraud and misinformation. When I spoke to Navient they informed me repeatedly that I owed them the entirety of my student loan debt to them and that my loans had never been consolidated and were all due to them despite my factual evidence from  XXXX  and the Department of Education clearly stating otherwise. The sudden loss of this tax refund puts us in dire financial hardship as I do not have employment due to   XXXX   illness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am XXXX XXXX I been a victim of retail consumer fraud since XXXX until XXXX which is now I have bank accounts open in my name XXXX XXXX XXXX XXXX  for 20 or more something years I received a letter from another consumer being notified the items was trying to be bought from my credit card accompany I immediately contacted the company they tell me that I have two accounts open one has been open since XXXX and one has been open since XXXX the company that was XXXX was XXXX XXXX second the XXXX XXXX XXXX company and they were very excited to tell me yes you have two accounts open with us and I'm not understanding how come I was never notified about these reports and who's the person that opened up these accounts at this time these accounts were open I was the age of XXXX XXXX XXXX so really came to my understanding of not knowing how without no identification or anything then I'm finding out being stopped by the police that I have a XXXX XXXX  driver 's license in my name which I've never had a XXXX XXXX license in my name so I was trying to find out how did all this stuff happen to me and why is it going on and as of now I'm still going through this it is very harmful I am going to XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unspokenly I went to Social Security to switch my social they wouldn't do it for someone reason I had to go to court pay signs because of the XXXX XXXX  license trying to get my license I am very sick and tired and emotionally stressed I honestly want I feel like XXXX XXXX XXXX XXXX XXXX because my human rights has been took it I would like to be contacted about this I need some help I need help with this because it's still going on money has been still not of my accounts out of my work accounts I want to bring this to a notice to be seen and for people to be penalized for this for whomever I'm thinking this is not right I even saw the case with police courts the XXXX  and no one 's trying to help me out so now I'm following the case with you guys please contact me thank you I have much more to say just couldn't put every word and everything into 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 non-monetary relief