BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current mortgage with Mr. Cooper-XXXX was transferred from XXXXXXXX XXXX prior to XXXX of this year. I submitted and was processed for loan modification then forebearance prior to the transfer of my account to Mr. Cooper. I contacted XXXX XXXX in XXXX of last year to find out that my account had been sold to Mr. Cooper and that I should be receiving correspondence from them. I received a letter in XXXX informing me of the transfer and that I have 60 days to make my first payment with them. I received the new amount of the approved loan modification in the amount of {$2300.00} and began making payments. In XX/XX/2022, I was contacted by a Mr. Cooper representative and was informed of three transactions. 1st-The representative stated that Mr. Cooper had not received any documentation from XXXX XXXX relating to the loan modification. 2nd-The representative informed me that an involuntary loan modifcation was in progress and that I should expect a higher amount in the following month. 3rd-The representative informed me that I must provide a complete loan modification packet since they had not received documentation from XXXXXXXX XXXX  which I submitted the completed packet. I received an alert last week that a new document was added to my account. So I logged into my account and read that although I completed/submitted the loan modification packet there was still some questions that needed to answered. It further stated that I have until XX/XX/2022 to provide this information and if not then foreclosure processing will begin. My home is currently for sale and under contract with a closing date of XXXX XXXX which I informed Mr. Cooper last week after signing the contract. Not only do I not know of the information that I need to provide, this is the second time with Mr. Cooper that I've provided information, processing started to review my account for loan modification and almost 30 days transpires before I'm notified of either to provide more information or that the loan modification was declined. I simply want to resolve this matter as I've expressed since I've been with Mr. Cooper and this transaction has been in progress since XXXX of this year. Also, I was not provided a reason as to why there was an involuntary loan modification processed without my knowledge and that Mr. Cooper reported my payment as late for the month of XXXX which there shouldn't have been reporting during the loan modification review as I was advised.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Now it is costing me hours of my time and money to freeze my credit report -- and I will need to continue expending this time, money, and energy to freeze and unfreeze these reports for the foreseeable future. In particular, I have STILL been unable to retrieve a credit report, set up a fraud alert, or freeze my credit with two major vendors ( Equifax included ), despite trying for hours.
This is an undue burden from a company I have never chosen to do business with, as they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am  compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, XXXX, I submitted a dispute to Equifax. As of today, XXXX XXXX, XXXX, the dispute remains " pending ''. The inaccurate information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: DISCOVER BANK
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have a credit score over 820 and have been with Discover since XXXX 

I contacted discover Bank early in the morning to ask questions about their checking and savings promotion. An agent confirmed that I had never had a discover Bank account, she did notice my discover credit card and discover XXXX XXXX account. She noticed that the address on file was incorrect and asked me if she could update it. She then repeated the address correctly back to me reflecting my XXXX address. 

Later in the day I applied for the savings account online myself with promo code XXXX, and a request to find the account with {$25000.00}. The application was denied. I called into customer service ( XXXX XXXX in XXXX ) that was told my address was wrong, and I would have to submit an entirely new application. 

I thought this was completely ridiculous however supervisor XXXX ( rep ID XXXX ) assured me that the original application was cancelled and that we should try again after update my address apartment to the second line on my credit card file. I update this. I AGAIN submitted an online application for the savings account with funding deposit if {$25000.00} and promo code XXXX. This was again, denied. 

XXXX suggested that we try an application over the phone with her. She submitted a 3rd application with the same promo code, XXXX, and a third time it was denied. 

XXXX also mentioned that the rep form the morning did NOT update my address as she had indicated she had. 

I have spent more than 2 hours in the phone with Discover, and I still do not have an account or a solid reason as to why my application is being denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Unauthorized inquiry from theXXXX XXXX. I would like this inquiry removed as I am not familiar with this company or the request for credit. Please provide the application or remove item from credit bureau as an inquiry.

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 2017-09-09
Company: EQUIFAX, 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:
This complaint is in regards to Equifax 's recent security breach. Upon checking XXXX, I was informed that my information may have been " compromised. '' Because of this security breach, my social security number, date of birth, full address, and potentially driver 's license and credit card numbers have been stolen ; I must assume that my information is now public data. I am at immediate risk of becoming a victim of identify theft because of Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NJ
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:
Equifax data breach improperly stored and lost my identifying information. No idea how severe the impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The bank reported XX/XX/2021, and XX/XX/2021, both paid on time, as delinquent. 

The payment due on XX/XX/2021, was made on XX/XX/2021 in the amount of {$2500.00} as that was the payment amount required according to the misleading online bill. ( see XX/XX/2021 statement for receipt acknowledgment ). The statement amount due was lower at {$1500.00}. 

Likewise, the payment due on XX/XX/2021, was made on XX/XX/2021 in the amount of {$2500.00} as that was the payment amount required according to the misleading online bill. ( see XX/XX/2021 statement for receipt acknowledgment ). The statement amount due was lower at {$1500.00}. 

Although both payments were made early, the bank disappeared part of them and reported {$1500.00} for XX/XX/2021 and {$1500.00} for XX/XX/2021 as delinquent ( see XX/XX/2021 statement ). 

The bank essentially stole {$3100.00}! XXXX x XXXX ), as the bank is demanding that I pay these amounts again.

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 2017-06-19
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a closed complaint, reference number  XXXX . I just received a delinquent tax bill from  XXXX   XXXX .  Shell Point MTG r esolved previous complaint, paid the taxes that were delinquent from  2015  and then cancelled the check after they resolved therefore I still have delinquent taxes due for  2015 . When I called them I spen t 2 h ours on the phone and made no progress  XXXX   XXXX  they sent a check for  XXXX  and then cancelled the check later that month. This check would have resolved my complaint if they would not have cancelled Thank you  XXXX   XXXX   XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TimeMark Solutions, Inc
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2018 I enrolled in a student loan repayment plan with a company called Timemark Solutions. I am a single mom with an XXXX  child and am currently pregnant so am unable to work. I owe a lot in federal student loans and spoke with this company about my issues and need to consolidate the loans. According to my monthly income they said I qualify for a $ XXXX/month payment. I was told I would first have to pay $ XXXX/month for four months for a startup fee and they said my loans would than be consolidated and they are in direct communication with Department of Education . I gave Timemark Solutions my email address and they sent me release forms to sign and fax to them. Also I gave them my XXXX XXXX Debit card info and signed up for automated withdrawls. The next month I received an email from the Department Of Education stating my owed balance is past due and to call. When I called Department Of Education they stated they never heard of this company and that I should not be paying anything at all for consolidating my loans and getting on an income driven repayment plan. They informed me it is a free service and this sounds like a scam company that does paperwork you can easily do yourself. I than completed the steps directly with Department Of Education and successfully consolidated my loans and immediately started on a {$0.00} a month payment. I called XXXX XXXX and was able to cancel automatic withdrawls from this company. It is unfortunate I already payed {$99.00} in the first place. TimeMark Solutions keeps calling an average of once a day and sending texts and emails requesting I contact their office. They threaten that my student loans aare in danger of not being consolidated and say I need to call and make my past due payment. This whole situation has caused me a lot of stress and I feel taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-19
Company: Experian Information Solutions 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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card 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 explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with BMO Harris Bank. On my XX/XX/2017 loan statement, I noticed that the amount I 'm paying over the regular payment amount due is all of the sudden being applied to the following month 's regular payment. Up to this point, anything over the amount due was being applied to the principal. 

I 'm trying hard to pay the principal down as fast as I possibly can to reduce the interest I 'm losing. My reg payment is {$310.00} ( roughly {$240.00} principal, {$69.00} interest ), but I recently starting paying {$800.00} each month through auto bill pay with my bank ( XXXX ). 

I called BMO and asked why I see two regular payments and one curtailment related to my XX/XX/XXXX payment of {$800.00} and I 'm told " there was a policy change. '' BMO now takes what was the curtailment amount and applies it to the next month 's regular payment ( which includes interest not yet accrued ) if it 's equal to or greater than the regular payment amount due. 

Then, I asked to change this configuration/setting/preference back to the way it was, and I was told it 's not possible. I was told I 'd have to call in every month to tell them how to apply the payment ( all overage to principal ). 
*My bank does n't allow me to send a memo with my payment that would designate how to apply the payment, and BMO 's online banking will not allow me to designate that either. I was told I could use chat or call in if I wanted it changed. 

Though the rep said this was a policy change, I 'm wondering if BMO ran analysis of some kind and discovered that I had increased my monthly payment which prompted them to start using my money without my permission so they could milk every last penny out of me by gaming the interest when they delay my payment to the next month? 

I asked the rep to submit a complaint stating the change is unethical and immoral. I believe this practice is an attempt to exploit consumers and manipulate the system to BMO 's advantage, even if it 's a few cents at a time.

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 2021-07-26
Company: Receivables Performance Management, LLC
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:
1.RECEIVABLES PERFORMANC ( XXXX ) DATE FRAUD BEGAN XX/XX/2021 {$1900.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
About 1 month ago I was contacted by a XXXX female on social media ( XXXX ) who pretended to be interested in me. she sent me photos on XXXX, and I sent her some of me. then she wanted to do video chat she was talking about love within a week of chat. I was like wow slowdown that's when I suspected that this may be part of a scam. But I played along then she wanted to help me make a good investment. she said she was a crypto assets manager in XXXX, and she would be flying into XXXX Fl. next month and I should meet her there if I want to. But I'm in XXXX. Now she wants me to open an account with XXXX  and I should put {$520.00} In a certain crypto that is in the primary market like XXXX she said. stating it was digital love day in her country on XX/XX/XXXX which was the next day so that's why I should put {$520.00} on an investment so it can be the first thing we do together. So, the next day she walked me through the application process, and I was careful not to share any sensitive info with her but when I had trouble with the opening of my account, she started getting pushy and that's when I told her that I think she was trying to scam me somehow, she lost interest in me really quick and told me off XXXX XXXX XXXX XXXX. I said OKAY bye. and I thought that was it. then I made the mistake of going through with the opening of my account with Gemini except I only deposited {$100.00} not {$520.00} well as soon as I made the deposit may  account was frozen when I noticed it was frozen the next day, I contacted support and we went through a lengthy process of revalidating my identity and documents and authenticator, but we finally got the account unfrozen only to find it frozen again the next day. and it has remained frozen since. about a month of emails ( over 60 emails ) more validating and authenticating but they don't unfreeze my account I provide everything they ask for and they still don't unfreeze my account. all the while my balance is shrinking. they use the term frozen when in fact it is not frozen if I am accruing losses to my balance its more like a lock out of my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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:
I have told all three credit bureaus to investigate all negative items on my credit report according to the FCDPA which states they must ask relatives, friends, etc this was not done properly so this is a violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent Negative Accounts : XXXX  XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My initial call was because my XXXX XXXX account was negative and I didn't know how that happens there was a transaction on there that was dated for a certain day and time that I can prove I wasn't at the place. I begged I pleaded and I told these people not to deactivate my debit card. That's the card that's attached to the checking account on which I did ask them to block a merchant I did not ask them to deactivate that card at all and I need to make this very clear that multiple times I talked to multiple different employees and every time I told them do not deactivate this card I just want to block the merchant but they went and deactivated the card anyway. All I got from them was the first name of the man who deactivated my debit card and I don't even know why because it was already handled! And the woman I literally again literally begged not to shut that card down. Thank God that woman was incompetent because she shut the wrong card down which just so happened to be the card that needed to be shut down. But my complaint is my debit card was canceled after I had specifically said not to do that for no reason whatsoever now I have to figure out how I'm going to get my refund put into my account because they shut down the card it was attached to like I explained to them. This bank is junk their customer service has no clue about the banking laws.

Company response to consumer: Closed with explanation