BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage service transferred on XX/XX/XXXX from XXXX XXXX XXXX  XXXX XXXX # XXXX ) to Mr. Cooper Mortgage XXXX XXXX # XXXX ). 

Upon review of the transfer, I became aware that XXXX XXXXXXXX XXXX had placed lender based insurance on my property and charging my escrow account {$1900.00} I provided proof of insurance to both mortgage servicing companies on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX XXXX  and was told that Check # XXXX was written on XX/XX/XXXX and mailed on XX/XX/XXXX, and that I should see it deposited in my escrow within 30 days after approval. 

On XX/XX/XXXX, at the 30 day mark, the funds were not deposited. Having both companies on the phone simultaneously, I was told it should actually take 4-6 weeks after approval, and to check then. 

On XX/XX/XXXX, after the 6 week mark, the funds were not deposited. Having both companies on the phone again, I was told they will look into it and could take up to15 more days. They also stated that they would 'expedite ' the issue and should have results sooner. 

I have asked on XXXX, XX/XX/XXXX, and XX/XX/XXXX for a letter/email, but still have not received any documentation corroborating their statements. 

The mortgage transfer has now passed the 90 day window that companies are legally required to complete transfer and the escrow money is still missing. 

I have spent almost XXXX hours over the last 3 months dealing with this problem with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: National Enterprise Systems, Inc.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I just received a notice from a debt collector on a loan i took out almost a decade ago. While I thought it was consolidated under XXXX XXXX, and I had been making payments on it along with everything else. apparently I had not made payments on it since last XXXX Yet. i did not receive any notices of payment, nor any notices that payments have not been received before now. I have stayed in this location for many years, moved once, then moved back and stayed here since 2013. It should have been incredibly simple to contact me, yet this debt collection notice is the first thing I have ever seen about it. It has likely harmed my credit and after all the work i have done paying down and consolidating my other loans, this happens. I am going to contact them tomorrow with many questions, but wanted to begin this process early in case of the likely event of further trouble. This seems illegal but i will do what I can to correct the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX Consumer Services continually calls me about a credit card from OLD NAVY and lately about XXXX Bank. 
I do not have an Old Navy credit card, I don not shop there, I do not bank at XXXX Bank. 
I 've told several different representatives who call that I am not the person they are looking for. My address is different, my birthday is different my SS # is different but they continue to call and harass.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened a free prepaid card from XXXX XXXX back in XXXX XXXX moved this card/account to Simple who then moved the accounts to BBVA which eventually was merged to PNC Bank XXXX 

PNC Bank provided no way to close my account ( which had a balance of about {$11.00} ) online. They require me to go to a branch which I could not do because of XXXX and health issues. After charging me new fees which I did not agree to the bank then advised me that I have to go into a branch office to pay a {$0.00} fee to close my account. 

I did not ask to be a PNC customer. I did not agree to their fees. They changed a feeless account that I agreed to terms to years previously into a fee based service. They acquired all my personal information including my social security number and opened this account in their bank with new fee-based terms. I did not agree to any of this and simply want my account closed. They refuse to close my account without paying them a fee to do so. This in my opinion is fraud and needs to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX was sent to me. But only XXXX was ordered online vie XXXX in XXXX XXXX. Also my wife was present doing the ordering of XXXX XXXX. SunTrust credit card XXXX reimbursement the XXXX credit my account ending in XXXX XXXX XXXX. But in XXXX XXXX XXXX they had XXXX debited my account XXXX. Stating that information sent to me via XXXX concerns XXXX Questions XXXX XXXX XXXX S/T credit card letter was not sent in time before XXXX/XXXX/XXXX. That 's a lie it was sent at a Suntrust bank branch office in XXXX GA. XXXX/XXXX/XXXX at XXXX pm XXXX pages status OK. Fax number XXXX XXXX XXXX in XXXX FL. 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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 XXXXtransunion has me at a score around XXXX. 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 im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXXXXXX 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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX {$11000.00} account XXXX XXXX  XXXX {$300.00} accont XXXX XXXX XXXX account XXXX In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-10-24
Company: Mercedes Benz Financial Services
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Mercedes Benz Financial allows their dealership to at their discretion mark up the interest rates. I was offered 7.8 % for a car with the same LTV and trade in terms as my new car I purchased. However when I went to XXXX, I as able to get the same loan@1.9 % and {$1000.00} down. I am a woman XXXX I feel like I have been discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: AmeriCash Holding LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XXXX of XXXX, XXXX XXXX XXXX XXXX ( my spouse, from whom I am divorcing, XX/XX/XXXX ), obtained a payday ( personal loan ) for {$1600.00} by providing knowingly false and inaccurate information to AmeriCash Loans. XXXX XXXX XXXX XXXX provided AmeriCash Loans an inflated and false household income, including my net income as added household net wages ), in order to fraudulently inflate the loan amount he received for the payday loan. As I had absolutely no knowledge of an AmeriCash Loan loan application, nor any other rogue financial endeavor of XXXX XXXX XXXX XXXX, I did not approve or provide consent for XXXX XXXX XXXX XXXX to provide my information as monies in consideration for his personal payday loan. AmeriCash Loans failed in due diligence to verify and deem all information and documents provided by XXXX XXXX XXXX XXXX as true and accurate. As a result of willful disregard for financial rules and regulations by XXXX XXXX XXXX XXXX, in addition to negligence to verify the information provided XXXX XXXX XXXX XXXX by AmeriCash Loans, I have suffered compensatory damages, as well as injury to my credit and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a federal student loan with Navient. I have come into a situation in where i am on XXXX due to and injury. i expressed this had ship to Navient and asked to defer my payments and they placed me on forbearance instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g I clearly sent, '' Citibank '' a cease and desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.

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 2016-01-14
Company: SUNTRUST BANKS, INC.
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX 2015 Initiated {$850.00} Wire Transfer reference number XXXX Debit from my SunTrust Account to Recipient my Son 's Account at XXXX XXXX bank XXXX. 
Money transfer pay through XXXX XXXX XXXX and then Recipient 's to XXXX XXXX bank XXXX. 
Currently Bank XXXX XXXX Holding my money {$850.00}? do not know reason why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Two issues. I deposited a {$620.00} check on XX/XX/XXXX and rather than return the check to me so I could have the payer reissue it properly addressed.Truist Bank launched an investigation and determined my {$620.00} deposit would be possibly available to me as early as XXXX. In the meanwhile there was an unendorsed fraudulent check for {$4900.00} deposited in my account. The Bank caught this and blocked my account. This is the ONLY reason I went thru several weeks of them sending the {$620.00} back to the maker to reissue and close my account. However, the bank refused to give me the remaining balance; charged me {$12.00} for processing the {$4900.00} fake check and to date has launched another investigation than could take up to 6 weeks to determine if I should have my account balance of {$26.00} less the {$12.00} fee for processing a check I had nothing to do with. This after Truist had me sign a ( notary public ) affidavit concerning this fraudulent check. As of today it was unclear if and when my small amount would be returned to 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 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and TransUnion have not investigated my dispute and added a false comment on my file for the below account. 

" TransUnion didnt review this item because you asked them to cancel it. If you changed your mind, contact TransUnion '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : TransUnion didnt review this item because you asked them to cancel it. If you changed your mind, contact TransUnion ... I never cancel this dispute!

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 2017-01-16
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Ibr is set up for the college students coming out under the age of XXXX, not for mature adults who have a mortgage, retirement plans, children and other major expenses. At work I was told to get my XXXX to keep my job and now find the repayment plan is almost as much is mortgage payment. Worse yet l be paying into retirement and jeopardizing my future retirement. I can not afford XXXX month payment and my spouse will not pay XXXX of my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-06-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I placed an order from XXXX ( order no. XXXX ) in the amount of {$150.00}. When purchased the item was on backlist and on delayed delivery according to the website at that time due to XXXX. Despite several email inquiries with gym tech, the item has not been shipped or refunded. On or about XX/XX/XXXX, the company responded to my email stating that I should receive the item in the next weeks. I have not received the item and Chase/XXXX  has declined my claim dispute because of it being over 90 days. A look at their XXXX site would demonstrate that their are others in my position who order items last year and still have not received the item. Chase refuses to assist with my refund despite this companys history of accepting payment for non delivered merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Credit card
Issue: Billing statement

Complaint:
On XX/XX/2016 I did an ATM withdrawal for XXXX.The terminal I used in XXXX AR charged XXXX.That would be a total of XXXX.I did no more withdrawals after that.The same night I called Barclay to report to close the card because an establishment in which I had visited did not secure cards properly.However I have the card in my possession. 
After this one XXXX, I have been receiving charges of XXXX continuously on my statements.My statement for XX/XX/XXXX/XX/XX/XXXX had XXXX ATM CASH ADVANCES of XXXX and CASH ADVANCE FEES.There was also Interest fees on the Continual Incorrect Charges.This made my payment XXXX for the month.I had called customer service Overseas and she told me to just pay the amount stated, next month would be correct amt.MY payments normally do n't run over XXXX per month.For my balance i normally carry payments do not run over XXXX.I would have been charged late fees had I not paid that incorrect payment and then there would have been a bigger problem. 
So, I looked online on XXXX/XXXX/2016 and there were more of these incorrect charges.What I saw was a XXXX ATM Cash Advance for the entire month of XXXX the Cash advance fee for each day as well.Totaling XXXX.Plus the Cash front End Fees totaling XXXX.Not to mention the entire page of ATM Cash Advance Charges.Some had minus signs meaning Reversed. The Customer Relations Person had to attempt to go thru and add up all the repeated charges which had become a total frustrated situation for a Barclay cardmember. Again, I have the closed card in my possession so I know its not Fraud, This is BARCLAY Cards error.If I pay this bill my payment would be XXXX and some cents. 
I need this chaos corrected, 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 monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
1. On XXXX XXXX, I read my XXXX Red MasterCard statement and there are XXXX charges appeared fraudulent ( total {$250.00} ). I called in right away and I was assured the account was closed, and amount under investigation. 
2. I received phone calls asking me to pay, I refused and spoke with various people and again reassured that the account was closed and I am not responsible for the amount ; just wait for the paperwork. 
3. On XXXX/XXXX/15 someone called my husband ( whom is not on the credit card ) and he paid ( total {$250.00} ). I called my bank to dispute the amount as soon as he told me that he paid the above amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief