BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We signed closing documents on XXXX, XXXX, 2021 with XXXX XXXX of XXXX XXXX, to refinance at a lower interest rate with only rolling up the closing costs into the new loan, no cash taken back with our existing mortgage company, Mr. Cooper ( Nationstar ). We were asked to make the XXXX payment on the original loan, which we did. Both the preliminary loan pay-off, which was good till XXXX XXXX ( attached ) and the XX/XX/XXXX signed disclosure ( attached ) both show the same loan pay-off ( {$150000.00} XXXX and amount due back to us of {$740.00}. 

On XX/XX/2021 we received an e-mail from Mr. Cooper, with an updated and unsigned by us disclosure statement in which they increased the amount to pay off the existing mortgage to {$150000.00}, thus reducing the amount due back to us to {$460.00}, a difference of {$270.00}. 

This is Mr. Cooper 's reply to my concern : " It appears either the title company or funding team inputted the incorrect payoff amount on the closing disclosure that you signed. ( Payoff listed was {$150000.00} ) This resulted in the funding team having to resend the post consummation cd showing the final numbers and payoff amount at {$150000.00}. The funding team did have to make the payoff adjustment in order to close out and payoff your current loan. '' This is definitely not the title company error, as they used the information supplied by Mr. Cooper. And when this was requested to be bumped up to someone of higher authority, name not remember, but out of XXXX, TX, he said " your signatures were not required because you were still getting money back. '' I have asked Mr. Cooper for a copy of the modified disclosure document, with no success, as it's online access is no longer available. I have attached a copy of the check received. 

My complaint is two-fold, the pay-off amount was changed before Mr. Cooper 's quote expired and a new disclosure was filed and recorded with our signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Capital Management Services, LP
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In 2006, while in my final year at XXXX University, I had a checking account with XXXX. During that spring, I received phone calls from a collection agency representing XXXX informing me that I owed around {$2000.00}. They had my name and SSN correct, but the account number was not my account. This account had bbeen opened fraudulently, used until XXXX stopped honoring the checks, and the person who had opened it disappeared. I communicated with XXXX, the debt collection agency, and I believe even filed a police report. I thought the issue had been resolved, but every few years since then, I have heard from a collection agency attempting to acquire payment on this debt.In the last three months, this has reared its head again in the form of multiple phone calls to me and a letter sent to my parents ' residence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
well i got a loan from credit acceptance corp for a XXXX dodge caravan that put it at XXXXthey repo my van with no calls are mail i was be hide in paymeants and book price is XXXX not XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over 30 days l have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items fro my credit report it have been over 30 days, as a result these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CITIBANK, N.A.
State: DE
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:
My XXXX  credit report shows that there is and Citicards CBNA account. This account was opened on XX/XX/2010 at that time I was XXXX years old with no knowledge of credit. This account was not opened by myself and is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: BARCLAYS BANK DELAWARE
State: NC
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:
I visited XXXX, Fl on or around XX/XX/2021 for three days. Used a car wash and the sales person talked to us getting a unlimited was and buy a monthly pass which would have been a better deal even if we used it twice. He didnt ever mention recurring charges. After I realized the recurring charges on my account, I called XXXX XXXX XXXX but no one seems to answer the phone. Mailed in a letter but no response received and the charges are going through my account monthly. 
I called in to the credit card customer service and the lady was unable to help me the 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 explanation
Consumer complaint received 2016-04-22
Company: ADIR INTERNATIONAL LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
ON XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 I spoke to a representative at XXXX on those 3 conversations the representative never verified me properly, she did not disclose that the call was being monitored and recorded, she did not state mini Miranda and she did not disclose her company name. She also continuously called me back to back on several occasions. She never got permission to call my cell phone and kept calling about 4 times per hour.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There seems to be something strange going on with this bank handling an issue with a check that was improperly filled out. The check was numerically written for {$260.00}. But, on the narrative section I mistakenly wrote XXXX XXXX XXXX XXXX. I noticed the error before my manager, who was the recipient. And, since she had not noticed the error yet, she was unaware of the problem. I was informed by her that they " posted '' the amount in the accounting ledger at the numerical amount. She asked me to ask the bank about the funds. At no time, that I'm aware of, did anyone ever tell the bank that they received the entire funds. Yet, I'm being told that someone put a notation on my account that they confirmed the recipient received the full {$260.00}. What's more is I'm now being asked to prove that they didn't receive the funds. As far as I can discern, that particular narrative began with one of their own customer service representatives. I've tried to explain this twice already. It's very insulting. The implication being made here is that I'm lying about my manager not receiving the funds. They can check for themselves to see if they were credited the amount.

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 2017-01-09
Company: CORELOGIC INC
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
SafeRent CoreLogic AKA Corelogic XXXX XXXX XXXX is presently reporting false information on their consumer file relative to my rental history. They are falsely reporting a judgment in excess of {$16000.00} for XXXX XXXX XXXX in XXXX, Texas. I have attempted to contact them by both phone and mail to dispute this matter and I have received absolutely no response or resolve from them. I have also had my attorney to contact the court where the judgment was supposedly filed and the court 's response was that the XXXX XXXX XXXX attempted to file an erroneous eviction and judgment against me, but the case was dismissed and a judgment was never issued. How SafeRent CoreLogic AKA Corelogic XXXX obtained the false information is unknown. I am asking that the CFPB investigate them for negligence due to falsely reporting information regarding my consumer activities. I am unable to upload any copy of my consumer report because SafeRent CoreLogic AKA CoreLogic XXXX XXXX XXXX has not responded to my XXXX XXXX, 2016 request for a copy of the 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 explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX, along with the inquiries from XXXX XXXX and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by world finance, XXXX XXXX and XXXX  XXXX XXXX, along with the inquiries from XXXX XXXX and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.

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 2016-12-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Equifax Issue - spoke with a salesperson to understand their credit monitoring services. Hung up, did more research and signed up online. When specific feature I was promised was not available, I called Equifax back. They indicated I needed to signup for a more expensive service to get the feature I wanted. I agreed, then Equifax ' system went down and they could not upgrade me. I asked to speak to a supervisor. I spoke with supervisor on my signup challenges and in the discussion found out Equifax solution did not have the specific feature I wanted. Supervisor agreed to give me a refund. Never received refund. Called back and was told that my credit had been rejected because I signed up on line. If I had signed up by talking to a salesperson they could have processed my credit. In other words they do not stand behind their product or salesforce or they are calling me a liar. Hard to understand how a credit bureau who reports on others integrity does n't have the integrity to stand behind their sales team - and by the way I had the salesperson 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Account Control Technology, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I contacted Navient about my co-signed private student loan and asked for a 90 day disaster deferment which is listed on their website as available, due to coronavirus. My store XXXX where I work has reduced hours, Im at XXXX hrs now and could drop again in time. Additionally I am already at or below the income poverty line in the State of California struggling to get by as it is before the pandemic. I rent a room in my parents house, I must pay for food and gas still and I am taking a huge risk working at my store where I could contract the virus. I have no health insurance and I have XXXX  XXXX for years now so if I got sick I would not have enough money to pay for treatment. I expect a stimulus check for maybe $ 1000- {$1200.00} but that would not be enough if I was hospitalized. All I asked for was 90 days deferment and they refuse just because Im still employed and because my father is working from home. He has huge medical bills paying for my mom and she just had XXXX, plus debt of his own and hes been on 25 % reduced paycheck for over a year. He can not afford to pay it. Navient only offered to lower the payment from {$250.00} to {$120.00} per month for just a few months which I said I can not afford. 

Additionally, an XXXX XXXX I was applying for got put on hold so I cant even start that to gain experience to get a better paying job so that I can actually afford my bills and get out of debt. This pandemic just deleted my ability to save for an emergency and my future and heres Navient doing nothing to help me. 

Its unjustified and I humane to refuse 90 days deferment during a global pandemic and forcing people to choose from a bill or to taking care of oneself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Collector called number OTHER than my number ( husband 's business cell ) and disclosed amount, nature of bill AND who bill was for to party other than myself. First began by saying they were wanted to verify employment ( I have worked for him in the past ), then wanted to verify address, then tried to verify number. When soc security number verification was refused and asked what this was in regards to, they released the amount, nature and biller to someone other than myself which is in violation of law. They also blocked their number which is in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I went to the chase bank branch located at XXXX XXXX XXXX XXXX in XXXX, XXXX XXXXXXXX to deposit {$1100.00} into my checking account using the atm. I inserted the money into the depositing part of the atm when the slot began to open and close multiple times before closing and then not even counting the money I deposited. I then got an error message on the screen and and a receipt printed. I checked my account via my app and the {$1100.00} was never deposited. I brought in the receipt slip into the branch where the banker said she had to open a claim and I would have my deposit in exactly 2 hours. This process took 20 minutes and it is has now been 4 hours I still don't have my money. I called customer service and they said it could take 2 days so I requested to speak with manager due to receiving incorrect information who then was very rude and said it could take 10 days to get back and she said " I couldn't do anything about it because federal law is on chase ' side. '' This has never happened to me in my entire life and I want others to be aware of how Chase has treated me throughout this. They never once said sorry and I still don't have my money, it's being held and not returned to me. This feels criminal on Chase banks end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my two daughters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: WELLS FARGO & COMPANY
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today I sent money to a person who used XXXX for tickets to a football game. Found out the game was not goin to have fans after I purchased what was suppose to be tickets. I paid XXXX dollars using XXXX with Wells Fargo. After contacting the seller several times with no response. I made a call to Wells Fargo. They said since I had sent the money. I had given permission and there was nothing they can do.

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 2021-06-18
Company: EQUIFAX, INC.
State: NC
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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Genesis Lending
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with XXXX XXXX XXXX # XXXX. 
The reason for writing today is in regards to the late payments showing on my report in XXXX 2020 and XXXX 2020, due to Covid I was unable to make the payments in XXXX and XXXX 2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Untimely response