BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Nationstar Bank has failed to close the satisfaction of mortgage and is preventing me closing on a home. Mr Cooper the server, have also failed to complete and register the title, failed to close out the title to the previous owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, 2013 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information

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 2022-04-11
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have been banking with SunTrust since XXXX. After retirement I relocated to XXXX where I now reside. Since I financially rely on retirement income from U.S. sources, I obtained international wire transfer privileges with Suntrust in XXXX of XXXX. This was handled in a personal meeting with XXXX XXXX at the XXXX, GA branch. 
Early this year I received an announcement that the wire authentication would change with the creation of Truist. XXXX XXXX assured me that the wire matter would be taken care of in due time. However, in the latest communication, dated XX/XX/XXXX, she states that the only option to obtain access is through another personal visit to a Truist branch. 
I find this response inadequate. My account is the same. I am not requesting additional services, merely the continuation of services that were previously agreed to and delivered without issues until XX/XX/XXXX. Why is the wire transfer agreement no longer valid when obviously other relevant bank agreements with SunTrust remain in place? 
I depend financially on the smooth handling of wire transfers and it is inconvenient, costly, and time consuming for me to visit the U.S. for the sole purpose of repeat signing of forms I already completed in XXXX. As an alternative I suggested that I sign and have notarized any new forms in XXXX. XXXX XXXX is yet to respond to this suggestion.

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 2022-09-05
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened XXXX XXXX, 2014 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Conn's, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
IVE PAID ON TIME EVERY MONTH - THE FIRST 3 MONTHS I HAD THE LOAN I WAS TOLD XXXX TIMES THAT MY PAYMENT DUE DATE HAD BEEN MOVED- AND XXXX TIMES I RECEIVED A CALL STATING MY PAYMENT WAS DUE THE DAY FOLLOWING THE ORIGINAL PAYMENT DUE DATE. IT WAS FINALLY CORRECTED AND EVERY PAYMENT HAS BEEN MADE ON TIME. MY SIGNIFICANT OTHER LOST HIS JOB - SO I WAS UNABLE TO MAKE THE PAYMENT FOR XXXX. I TRIED EVERYTHING I COULD TO PULL THE MONEY TOGETHER, BUT CALLED THEM WHEN I COULD NOT TO ASK FOR AN EXTENSION. I WAS LITERALLY TOLD THAT BECAUSE I MAKE MY PAYMENTS ON TIME THEY COULD NOT DO ANYTHING TO HELP ME. I HAD TO BE 2-3 MONTHS BEHIND ON PAYMENTS FOR ANY ASSISTANCE. TOLD THEM MULTIPLE TIMES I COULD NOT MAKE THE PAYMENT TIL THE FOLLOWING MONTH AND I COULD ONLY PAY THE REGULAR AMOUNT I COULD NOT DOUBLE UP. SINCE THE PAYMENT DATE THEY HAVE BEEN CALLING MY PHONE IN AN EXCESSIVE AND HARASSING MANNER, EVERY SINGLE DAY - CALLING BETWEEN XXXX TIMES A DAY IF NOT MORE. THEY ARE CALLING MY CELLULAR PHONE WITH AN AUTOMATED DIALER. THEY ARE CALLING MULTIPLE TIMES AFTER LEAVING MESSAGES WITH AUTO/ROBO DIALER - I HAVE NO GIVEN THEM PERMISSION TO DO SO - THEY CALLED MY PLACE OF EMPLOYMENT. MY SUPERVISOR TOLD THEM I CAN NOT RECEIVE PERSONAL CALLS AT WORK. THEY CALLED BACK THE FOLLOWING MORNING - ALL OF THESE ARE PRETTY CLEAR TCPA VIOLATIONS AND WITH ALL THE OTHER ISSUES BESIDES THESE THAT I HAVE HAD WITH THIS COMPANY IT REALLY IS OVERWHELMING AND UPSETTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
on XX/XX/XXXX in attempt to repair my credit I created an account with XXXX XXXX but was told they could not release my Experian credit report due to a restriction. I called Experian several times and not one representative was able to assist me. I made a final call to them on XX/XX/XXXX @ XXXX. Can a representative all of my information confirming my identity and was told my issues was corrected. However, when i went to log into the XXXX XXXX account to access all 3 of my reports I received the same error with the account id # XXXX. I have now created an account with XXXX and I still do not have access to my Experian credit profile. This is ridiculous and very frustrating.

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 2020-03-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied residential mortgage loan to Wells Fargo bank for the refinancing. I submitted all the documents per their instruction on XX/XX/2020. After that, Bank loan officer, XXXX XXXX asked me to pay appraisal fee ( {$610.00} ). On XX/XX/2020, I received a declined letter. During the process, I never communicated with the loan officer or underwriter at all. Due to their unfair and unreasonable business practice, I requested the refund of appraisal fee to the loan officer by email. Right after that she called, saying she is going to request the refund to the bank. After that, I received a call from XXXX XXXX, Executive Resolution Specialist on XX/XX/2020. She said the bank can not refund no matter what. They only pre-approve the loan for purchase case. 
I am former bank loan officer. I have been in the financial industry over 30 years. I never experienced this kind of unreasonable business practice. It is worse than small residential mortgage brokerage company. They don't have business ethics. I think their loan processing system needs to be fixed. It is totally wrong. 
( Now that I am filing the complaint to CFPB, they sent some document copies with letter to me to cover their XXXX dated XX/XX/2020 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
So I have a litigation going on with my brother and our family company so I paid my credit card off and my brother did stop payment on company check so payments returned Barclays card never contacted me or reached out to me about the returned payment only way I found out is because I called them when my credit card did n't go threw for a purchase they told me my account was closed due to returned payment which by the way is first problem I 've had since I got card i offered to pay out of my checking account instead they said no acct closed I said y would it be closed if I 'm offering to pay returned payment plus more they said they did n't care and they were gon na do a charge off had card almost 5 years and this is how they treat customers wow over one returned payment with extenuating circumstances I thought that they were there to help especially with this type of situation

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 2016-08-09
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Diverse Funding Associates LLC
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Resurgent Capital Services L.P.
State: CA
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:
I have reached out to LVNV DBA Resurgent Capital three times in writing requesting Validation of Debt. They have not responded once. I have a thorough and detailed paper trail providing my extensive written efforts and their lack of abiding federal law and the Fair Debt Collection Practices Act. 
My original request is dated XX/XX/2021 My second request is dated XX/XX/2021, and my last attempt for Validation was XX/XX/2021 I have taken all legal steps to obtain validation and clarification of XXXX debts they are actively collecting but they have not once responded. 
I remain confused and have not been able to achieve a resolution. 
The debts they are reporting are not mine and they are not validating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: IL
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, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, Citi, XXXX and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports XXXX and XXXX  and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX   report : Date : XX/XX/2020 - XXXX  Mtg Date : XX/XX/2020 - Am Rent XXXX  report : Date : XX/XX/2020 - Citibank Na Date : XX/XX/2020 - XXXX  Mortgage Ser I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX  ( EIN XXXX ) XXXX XXXX XXXXdo I have 7 opened loans but in fact I have just 1 with sellersfunding currently I want to remove others

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 2016-09-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a voice message this morning XXXX/XXXX/16 at my work place regarding some documents that will be forward to my workplace legal dept, payroll and myself to GARNISH MY WAGES ... I called the phone number that was left and it belongs to a law firm- XXXX and XXXX XXXX XXXX. The Rep stated this is an old account from XXXX 's. I had an account with XXXX 's but that has been paid more than 10 years ago. This is the first time I heard of XXXX trying to collect a debt I do not owe. I need a thorough investigation to be done as the account with XXXX 's has been paid off before they went out of business. The file # provided on the message was XXXX. Thank you for reviewing and stopping these scammers.

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 2016-08-28
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I called PNC Bank on XXXX XXXX to delete a check which I had entered online, 3 days before it was due to go out. The PNC rep told me it was deleted and the check was pulled from the pile that was going to be mailed thus there was no need for a stop payment process. 

The next day I saw a stop payment charge of {$33.00} in my account. I used online chat to explain what happened and why I should not be charged the {$33.00}. She could only quote the PNC Bank policy on stop payments. I told her what the PNC rep told me the day before but she did n't seem to understand. 

On XXXX XXXX XXXX XXXX from PNC Executive Client Relations reached out to me by email. I told her that the chat rep had all the information on the matter and I had nothing to add. I have not heard back from PNC and they have not reversed the unneeded charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Paypal Holdings, Inc
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX saying they were the debt collector for PayPal for the amount of {$51.00}. I called back and spoke with XXXX on XX/XX/22 and told him I have never had a PayPal account and am disputing it. He said he would mail out a form allowing me to to do, and that form pointed me here. I have a XXXX XXXX credit score of XXXX and an XXXX score of XXXX. I obviously have not achieved that by not paying my bills, and even though XXXX XXXX told me to pay it since its only {$51.00}, its not my charge so I wont pay it. XXXX provided me no info as to who the alleged vendor was, and they encouraged me to file a police report, but none of our other personal credit, banking, or investment accounts have had any unusual activity, so I am not filing that report. The XXXX should be on the alleged vendor to prove it was me- I should not have to reset my whole life to prove myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A few schredule payments were return do to invalid card and my card is not invalid my account was close for this reason for suspicious theft fraud i recently made a payment online when i was told my card dont work and it process successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent the first debt Validation letter to Portfolio Recovery Associates on XX/XX/2019 and they didnt send proof of validation, so proceeded to submit another debt validation on XX/XX/2019 and they basically said that any more letters will be ignored because they dont have to validate the debt. The newest letters I received from them was on XX/XX/19. To my know knowledge this is a violation of the FDCA so this is why I am making this complaint so they can remove this account from my credit which is negatively effective me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello. 

I have student loans with FedLoan Servicing. I am in the process of working towards XXXX XXXX XXXX XXXX  Towards the end of XXXX I was reviewing my payment count on the FedLoan website and noticed that I was not given credit for several payments while I was in XXXX. This prompted me to have my bank pull statements, which show XXXX student loan payments were made during this time. I then called FedLoan Servicing and spent several hours on hold before I was able to talk to a representative. She recommended that I upload the bank statements, along with a letter detailing the situation, to their website. I submitted this documentation on XX/XX/XXXX. I also submitted a new XXXX application at the same time. 

In XX/XX/XXXX I was notified that neither documentation were accepted. The rationale that I was provided for the XXXX application was that the signature appeared to be computer generated ( it was not ), and a new form would need to be provided. The rationale for denying the bank statements was unclear as I was simply provided a rejection letter that was directed towards the XXXX application form. 

I have since resubmitted these forms and e-mailed FedLoan Servicing to inquire as to the status of my applications. As of writing this I have not received any response. Any help that you could provide would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
First two phone calls agent lied and told me the only way I could get a freeze on credit report was by buying their policy at {$16.00} a month. I bought a year 's worth only to find out this was false info. I had been told repeatedly by 2 different agents that " no purchase, no freeze. I wrote at least 3 emails to them with no results. Finally was able to cancel all but the first month of my contract, so have already paid the {$16.00}. My policy coverage began on the same day as my calls, ( also the day after my computer was hacked and I lost all privacy on it, ) XXXX XXXX, 2019. I submitted all this as feedback to Equifax and have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm receiving calls multiple times a day with only a voice message left by Citibank to contact immediately. When I call they have no record of mine name just phone number. I 've asked repeatedly for them to stop calling but they tell me they can not do that. 

Numbers involved : XXXX XXXX My registered phone number is XXXX they above numbers call me multiple times a day automated. Please help make them stop!

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 2022-04-11
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
RAUSCH STRUM LLP on behalf of XXXX XXXX has filed a lawsuit with XXXX XXXX Justice of The Peace. Without properly communicating with me. 

I sent a letter in response Denying the debt owed XX/XX/XXXX and the company sent a response XX/XX/XXXX. XX/XX/XXXX the firm filed a lawsuit without notifying me and before my legal 30 days to respond. 

XXXX XXXX was notified during the pandemic of my financial situation. No relief was offered after several attempts telling them I was unemployed. No payment reduction or any payment arrangements offered. 
This firm has a history with filing lawsuit illegal. 
All my calls have went unanswered. 
Please look into this firm past and XXXX  REVIEWS.

Company response to consumer: Closed with explanation