BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company, Mr. Cooper, modified my mortgage of {$230000.00} in XXXX. They added {$96000.00} to my as fees which they never gave details to me. The modification ranged from 2 % to nearly 5 % within 6 years. This raised the monthly payment from {$1800.00} to nearly {$2500.00}, putting me back to the financial struggles I had at the beginning. In XX/XX/XXXX, I took forbearance because I could not afford the payment. And I have exhausted that option. 

I have asked the mortgage company to remove the added fees plus accrued interest and they have refused. Please advise where to find assistance to restore my mortgage. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: STATE FARM BANK, FSB
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
State Farm Ban k has put a charged off credit card account on my  XXXX  credit bureau reports and I have written t o State Farm Ban k and demanded certain information to verify the account and the accuracy of the information they reported - They finally sent me a letter telling me that they will NOT provide me with the requested information - They will not allow me access to all account statements etc to be able to verify this disputed account - The  XXXX    CBR 'S will NOT remove the disputed account even though they have been provided the letter from State Farm Bank telling me that they will not provide any information that I have requested and legally should receive.
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State Farm bank has continually violated m  y FDCPA rights and my rights to fair billing and collections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Second Round Limited Partnership, Austin, TX Branch
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, i received a letter from XXXX XXXX, advising me of a debt that is owed. I called, set up a payment plan, paying 50 % down, and the rest in a series of payments. A week later i was able to come up with the funds, and called them to just resolve the remainder owed. I set up a check by phone in XXXX of XXXX and paid the balance. I never received a receipt for either payment, and didn't hear from them again. Until i received a letter in the mail in XXXX of XXXX stating i still owed the other half of the balance. i called right away to let them know i paid this. The person i spoke with stated she will notate my account as disputed and if they need to contact me they will. I didn't hear anything more from them until XXXX of XXXX when i was served court paperwork. I called them again to find out what had happened with my dispute and the fact that this was paid. They told me that the check in XXXX of XXXX for the 2nd half was returned as not authorized. I never received anything from my bank or from them informing me the payment didn't go through. They have violated so many FDCPA laws by not contacting me back about my dispute, my payment that " didn't '' go through, and then after i paid it 2 weeks ago- they still have not dismissed my court date which is still showing in 2 days as active. I called today to find out why this hasn't been dismissed and they advised it is my responsibility to handle the court case. I again don't have a receipt showing payment in full, so i don't have any ability to show the courts that this has been resolved. This company has made my life XXXX. I have done everything the right way, and yet here i am still having to take care of their mishandling of things. i have sent 3 complaints online, and none have been acknowledged. I asked to talk with their compliance dept and was refused. They said they would have someone call me. Something needs to be done with this company and their treatment of consumers. I paid my bill and i am still having to deal with everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent an email to the actual creditor on X/XX/2017 I also contacted XXXX XXXX when they notified me via email that a credit inquiry was pulled for this company one day prior. I am not even sure why because I have a fraud alert on my credit report but they failed to contact me via phone to ask if it was me. Which is totally pointless in having a fraud alert. 

I did not give this company permission to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On Saturday XX/XX/2020 we attended a XXXX XXXX Update at XXXX XXXX XXXX XXXX. XXXX XXXX SC. Shortly thereafter I receive 2 Vacation Club Credit Account Statements in the mail from Comenity Bank. I did not sign any paper work requesting these accounts. I never received an actual card but the mail that came to me had the entire credit card number printed on it, along with the credit limit. This came in the regular mail. If it had gotten into the wrong hands, they would have all of my information. 

Since I did not ask for this card, I do not understand why they opened an account. it had to have been done through XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
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:
This is the second time I am filing a dispute against Fair Collections and Outsourcing XXXX. They are reporting fraudulently on my credit. This account doesnt belong to me. I didnt open this account, nor did I pay it. Someone used my information without my knowledge nor authorization. Please see the below FTC report and my driver license. plese remove this account form my credit profile.

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 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/XXXX I mailed a letter disputing a collection from front line, TransUnion removed that collection onXXXX. Now, its reinserted as of XXXX. It is against the law to reinsert after a collection has been removed. I also sent in a letter on XX/XX/XXXX stating 9 inquiries are fraud and need to be removed. They are still there!

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 2017-06-14
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On or about XXXX XXXX 2017 I initiated an ACH transfer into the account of Coinbase, Inc. located at the XXXX  XXXX XXXX of NY, and I did so on the accord of  their site : " Bank Account deposits made to XXXX are sent via the ACH bank transfer system, which typically takes 3-5 business days* to complete after initiating a purchase. You may see the funds immediately debited from your bank account when you initiate the transfer, but they will not appear in your XXXX account until the transfer has moved between the banks and cleared in our bank account. '' The amount is negligible to some, {$300.00}, however, it 's still {$300.00} that I transferred from my credit union which provided me with a credit trace number showing Coinbase received the funds. I 've attempted on numerous occasions to reach Coinbase support, both through email and through their XXXX handle as recommended through their own website. I have not been able to reach their support staff in over 3 weeks. At this point I just want my funds returned. Their community site is littered with many posts similar to my own and my trust in this company ... well, I have none. They are robbing people with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: FC HoldCo LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This is the only way to report an auto lender I have not asked for lower rates due to my current financial situation. However they have called a reference and told them I'm late on my payments after I told them to stop calling and start texting, emailing, or sending information through the mail. They refused any of those methods for " security '' even though I've okayed those and only those methods of contact. I would have left phone calls available except they call 4 or 5 times a day if you don't answer. They harass people for being 30 days 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 2019-12-03
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019 I received two international transfers of XXXX Euros each into my account at JPMorgan Chase. It was sent by the XXXX government owned railroad ( XXXX ) and represented XXXX payments. Chase has publicly waived all fees and charges in connection with such payments but charged me anyway. The Euro value on XXXX was reported XXXX and they paid me XXXX a charge of almost 3 %, or {$440.00}. This is related to my earlier complaint ( XXXX ) where Chase reimbursed me the charge of {$420.00}. In connection with these wires, I have been totally stonewalled and the person assigned ( XXXX XXXX ) has refused to call me back or send a promised letter ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from this company while at work. The person I talked to was very rude, so much so that when the call ended I called back to file a complaint. When I called back to file a complaint the next person on the phone was extremely rude as well. They harassed me about the payment using very unprofessional language and I felt threatened. I felt as if I were being bullied into compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I  XXXX   XXXX  filled for bankruptcy  XXXX   XXXX   XXXX   discover  card cancelled account no problem they did not notify me when I called about card they told me I asked about cash back reward they said they would mail it to me now it is  XXXX  sent a demand letter 30 days late dated  XXXX   XXXX  still no reply my records indicate they owe me over 100 dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLLECTION SVCS XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX I received an offer from American Express and Delta that if I obtained the gold delta skymiles credit card and use {$3000.00} dollars in the first three months I would receive XXXX miles. I got the card on XX/XX/XXXX and started to use it. By XX/XX/XXXX I had completed the {$3000.00} dollars. I called soon after as I had not gotten the miles and they explained that it would take 6-8 weeks. After 8 weeks I called and they said it was going to be 10 weeks ( the maximum in the contract I got with the credit card ). Last time I called was XX/XX/XXXX ( more than 10 weeks after ) and they said the would open an investigation and to call delta. So I called delta and they said basically to talk to AMEX. It is now 6 months since the card opened, and 4 months after the requirement met and I have not yet been contacted or received the miles. I chatted with the people in AMEX and they said the investigation is open. I got this credit card because I planned traveling for XX/XX/XXXX, which was cancelled due to the lack of miles. Now we are in need of another trip in XX/XX/XXXX, and the tickets are extremely expensive and will leave me with little money. The company has breached contract and will offer no type of compensation. Their responses have been vague and not satisfactory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Dear Sir, or Madame, I had bought three money orders from Western Union to pay to our landlord for rent. They were bought XX/XX/2019 Money orders totaled {$1500.00} all in one envelope was stolen.

I contacted Western Union. They charged me {$45.00} to send copies which verified they were forged and cashed by unknown person.

I had been contacting Western Union since XX/XX/2019, but I am always being hang up on when trying to speak to higher up or supervisor.

I had sent my police reports and explanation via fax and certified mail to Western Union several times. However, I never received any response. Today they told me that Western Union does not have any office to investigate and that they are sorry. I am in shock how a big company as Western Union is so ignorant. Please help me out! {$1500.00} is a lot of money for me and I am victimized by Western Union. Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are numerous inquiries on my credit report that I did not authorize. I have contacted each company and they cant verify any information that I applied for credit with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Most recent report of inability to use past payment activity feature of online account management occurred on  XXXX / XXXX /  XXXX  . I requested a past payment activity report of ( 2 ) YTD.

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 2017-06-14
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I decided to pay off my loan early. When I called Navient on Tuesday,  XXXX   XXXX ,   XXXX  , the Navient representative acknowledged that my payment was received on  XXXX   XXXX ,   XXXX  . I was assured that next month I would receive a letter explaining that my balance was paid in full.   I did not receive any letter, so on Wednesday,  XXXX   XXXX ,   XXXX    XXXX  at   XXXX   XXXX   Eastern  Time   ) I  again called Navient. I spoke with "  XXXX . ''  XXXX  told me that a letter had been sent on  XXXX   XXXX ,   XXXX  , but he also assured me he would send an additional letter. He told me that the letter was coming from Pennsylvania.   Today is Wednesday,  XXXX   XXXX ,   XXXX  . I have not received any letters from Navient : not the first letter, and not the second letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: FL
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 been sending disputes to Experian about a public record on my profile and they are not investigating or taking any actions. I have already filed 2 complaints here and neither CFPB and Experian is doing anyting. I send them a letter saying that the courthouse does not verify with them about the bankruptcy and I requested my XXXX to be freeze and they keep saying is been verified as accurate. XXXX and XXXX have already deleted those items.

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 2021-10-28
Company: EQUIFAX, INC.
State: FL
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:
Information was placed on my report that should not be there. I was never notified of the information being placed on my credit report. The information is not accurate and fraudulent therefore it should not be on my report. Please delete items as they are having a negative impact on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: United Shore Financial Services, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with United Whole sale Mortgage ( UWM ) in XX/XX/2021. Since I refinanced my mortgage with UWM I have never received a mortgage monthly statement from this company. I have called several times, repeated requesting UWM to mail my mortgage statement prior to due date of payment but they have not done so. As I file this complaint, XXXX  has still not mailed a copy of my mortgage statement for month of XX/XX/2021. 

Sometime in XX/XX/2021, I saw in increase in my mortgage from UWM by {$10.00}. When I called to speak to a customer service agent they started giving me a runaround. In two occasions, I spoke with two females agents who did this to me. Another time, I spoke with a gentle who apologized for this mistake but rerouted me to an answering machine and never sent the email or mail the mortgage statement to my home address. 

On XX/XX/2021 I sent email to UWM to mail my mortgage statement to my home address. This is the last time I'm making this request. That if I don't hear from UWM within 10 business days, I will pursue the next line of action.

UWM is violating the law by not mailing mortgage statement to customers home address. What if I don't have internet, I will not be able to pay my mortgage.

The I deserve the right to have my mortgage statement mailed to my home address, just like my bank statement and other bills.

The United States Postal Service ( USPS ) was established in the Constitution with Congressional approval. Email will not replace the USPS and is not a substitute for mailing mortgage statements unless the homeowner specifically gives consent in writing and signed up for online deliver which I did not.

Company response to consumer: Closed with explanation