BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently in a pandemic forbearance plan with Mr. Cooper that will end XX/XX/XXXX and would like to defer the past due balance to the end of the loan. I spoke to a member from the military families teams at Mr. Cooper a few times over the past few weeks to get this set up but was told that I am not eligible for either a loan modification or a deferral, and that I would need to pay the full balance due by XX/XX/XXXX. 

I was told that the loan modification was not possible because I previously had XXXX modifications on my loan. I would like to know the dates of the XXXX modifications Mr. Cooper believes occurred on this loan. 

Additionally, if there are XXXX modifications and this eliminates loan modifications as a possible option on Fannie Mae backed loans, XXXX very upset that Mr. Cooper neglected to share that information in the Forbearance Plan acceptance letter dated XXXX XX/XX/XXXX that was sent to me listing that a loan modification might be a possible option. While Mr. Cooper did not guarantee it would be an option, they also withheld the information they already had about my loan which would have shown it was never an option and most certainly would have changed my decision. This was a very unfair representation of the possibilities and a deceptive practice that has now put my family 's home at risk of foreclosure. 

I was also informed that the deferral of the past due balance was likewise not possible as the forbearance plan I am currently in is not pandemic related. I was shocked to hear this as I had to answer the covid 19 questions to request not only the initial forbearance, but every single extension since then. Additionally, every document sent to me from Mr. Cooper pertaining to the forbearance clearly states, Pandemic Forbearance Plan. While speaking with the representative from Mr. Cooper, he told me that his system showed that I was in the current forbearance plan since early XXXX. This isnt even possible since I was completing a loan modification in XXXX of XXXX and received my last mortgage statement before entering the current pandemic forbearance plan on XXXX XX/XX/XXXX. I sent Mr. Cooper the XXXX mortgage statement, pandemic forbearance acceptance letter, and the subsequent extension letters to show them everything they had sent me and what it said. 

I also sent Mr. Cooper a copy of my payment history showing the payments I have made since XX/XX/XXXX, which equal or exceed the amount of my month mortgage payment due and should clearly demonstrate my ability to make the mortgage payments going forward. I am not asking to get away from any debt that I owe. I simply request that the past due balance be deferred as was offered as a possible solution throughout the pandemic forbearance plan they offered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: PA
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, my name is XXXX XXXX XXXX. I am contacting the bureauS today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Credit Protection Association, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX is stating that I owe them {$150.00} for cancellation of contract. I requested verification that I had a signed contract and they only forwarded the attached forms. When I originally called on XX/XX/XXXX16 they had nothing under my name or phone number. I am unaware of a contract being signed and their rate of XXXX cents per XXXX is reflective of the current rate from our local XXXX XXXX XXXX XXXX XXXX. They sent me to collections with a company named Credit Protection Association LP. See attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I bought a vehicle from XXXX XXXX of XXXX in XX/XX/2022. 
I applied for my own loan with my bank. 

The dealership obtained another loan which I did not authorize from their preferred lender TD Auto Finance. 
XX/XX/2022 I have been paying my loan through XXXX  XXXX XXXX when I received multiple calls from TD Auto Finance demanding payment .I received an invoice from TD bank as well with late charges. 

XX/XX/2022 I ve reached out to the dealership -salesman XXXX XXXX and Finance Manager XXXX XXXX who have not returned calls. 

I drove to the dealership to request they cancel the fraudulent loan but they said they would call me back just wait. 

I called TD Auto finance to let them know I did not authorize the loan spoke a XXXX who says they need to hear from the dealership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CBE group out of XXXX phone number XXXX XXXX called me to speak to XXXX XXXX who does not have my phone number XXXX asked me if I knew him and started asking personal questions. I hung up the phone I do not owe a debt collector so why are they calling me about some one else debt. Are they looking up family members to harass in order to collect a debt this is illegal and they should be fined XXXX is my Son. I am outraged, I was bothered at work for some else debts? They are calling family members to collect debts? XXXX is not associated with my cell phone number at all. How did they get my phone number?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. After I followed an online link to make money at home by entering produce reviews I was inundated with unsolicited telemarketing phone calls from companies offering an online at home business. XXXX XXXX XXXX XXXX XXXX XXXX was XXXX of them. They contacted me initially on XXXX/XXXX/2016 and they charged me {$4500.00} I paid them on my US Bank credit card. I was convinced ( badgered into ) this website development. I was told that I would with the in three weeks have a fantastic website that would be fully automated to process customer orders without me having to be involved in the daily activities of the website. Products would be loaded including prices and pictures and kept up to date. I was to have an introductory movie, electronic business card, social media connections, funnel page to capture customer information and emails, complete order processing including credit cards and XXXX accounts, and order fulfillment ( order processing, shipments, customer email of order confirmation and tracking information ). As of today nothing is complete. I have worked with XXXX to get the website functioning as intended, to remove the duplicate items, and accept credit cards payments until recently. My last attempt to work with the website had proved that I could not enter an order and therefore I have no idea how I could make any money with a non functional website. I sent letters, emails to request my refund and they ignored my requests. 
These are all the contacts I have for XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I signed up for Experian to improve my credit. Today, XX/XX/2020, I received an email from them saying to improve my credit get a XXXX XXXX that they matched to me. I took their advice and submitted application for the XXXX card. I was immediately denied and got an alert within seconds that said my credit score had been lowered by 12 points due to a hard inquiry on my credit report. If I wanted to dispute this to contact their customer service. I called customer service at Experian and the lady I talked to said this not disputable. I would need to contact Consumer Finance Protection Bureau.

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 2017-02-04
Company: Consolidated Recovery Group, LLC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
My credit report lists " attorney fees '' and this is not an attorney fees account, it was a company who we used for our Company, XXXX, to collect credit card payments. 
We had a client who returned our motor home late, damaged the motor home, and then did not want to pay for the rental or damages. 
The original date that the collection was recorded was XXXX/XXXX/2011 to the credit bureaus. 
This was a fraudulent charge back situation to our company whereby we submitted a lot of information to the credit company including pictures and our contract and yet they still honored the charge back. This is not our problem, as this company charged back the amount requested by the consumer and we had to contact them to find out why. 
Please see attached credit bureau page where it showed that the original collection was XXXX of 2011. 
I believe legally this now has to be removed from my credit as it has been 7 years. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Systems continues to report an account as in collections after it has been paid in full. While on the phone they stated with upon payment they would delete the account which they lied about. It 's still being reported as an account in collections which is negatively affecting my credit score

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
USAA SAVINGS BANK XXXX  Closed
Account number
XXXX
Account status
Closed
Date opened
XX/XX/2014Account type
Credit Card

XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Self Financial Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Self credit card takes XXXX days to respond to emails and close account. 

As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The SCRA is a federal law that provides protections for military members as they enter active duty. The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The Company locked me out of my house again for the second time after letting them know I was in the middle of moving and the house was not vacant! I still have my personal belongings in the house! I called the company several times and they have still not gotten back to me. What kind of monsters are these people? I am a XXXX, single, XXXX woman in Bankruptcy XXXX and I was working with XXXX to modify the mortgage. Rushmore hired a company to break in and change my locks. When I finally got into my home, I discovered the company they hired stole my personal belongs that I had packed in 20 boxes ' They have a sale schedule on the XXXX of XXXX. This is illegal ' I have sent them my authorization letter for them to speak with my attorney to get into my house and my attorney sent them an authorization letter and Demand. They are refusing to speak with my attorney and will not take his calls. They said they have to wait 24- 48hrs. This is my house and they have caused me emotional stress and harm mentally ' They also have advertised to sell all my possessions in the sale ' XXXX either sold, owns, or is the servicer of the mortgage to XXXX/ XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that I and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The property description and the deeds are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX ACCOUNT HAS BEEN ON MY EWUIFAX REPORT FOR 7 YESRS NOW AND HAS NOT BEEN DELEED YET THE CREDITOR ALSO HAS NOT REPORTED ANY PAYMENT HISTORY FROM THIS ACCOUNT SO THIS ACCOUNT SHOULD BR DELETED FROM MY EQUIFAX CEEDIT FILE XXXX AND XXXX JUST DELETED XXXX ACCOUNT FROM THEIR REPORTS BECSUSE IT HAS BEEN 7 YEARS AND FOR SOME ODD REASON EQUIFAX IS REFUSING TO DELETED THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/19 Thurs XXXX got an email saying partial payment rcvd but would be held in suspense account XXXX said there was enough money to apply the payment they can gather up from suspense account and apply to her account XXXX says it probably got applied the same day that they put in suspense and overlap. 

XX/XX/19 Monday XXXX always goes into the branch and take it directly out of her checking account and apply it to loan. 

XXXX says there is a 1 day delay when making it at the branch teller has options on how to apply the payment and they can put it into suspense account he says the teller probably put it into suspense account. Then it was applied to the loan XX/XX/19 Tues it posted Confusing as to why it posted and 2 days later she got an email saying it was applied to suspense No notification went out to XXXX stating that it was all an overlap and the XXXX payment actually posted. 



XXXX said because of the active foreclosure he cant take a payment for XXXX It needs to go through underwriting and do the review process Noted to XXXX that when a big banking institution tells a homeowner that they did not apply the payment and not notifying them of correcting the error, that seems like it could be some sort of Consumer Loan Act violation or deceptive practices. Not that we were filing complaints but that XXXX could. 



Asked XXXX about FHA maybe being able to take a payment to get her but he said no since it was over 90 days delinquent XXXX Customer Care and Recovery Group they would like to speak with XXXX so that she can suggest they put a new process in place letting her know the email was all in error and had actually applied her payment

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 2016-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I had trouble signing up for Equifax membership product. I finally signed up XXXX XXXX, 2016. After 2 weeks I was scheduled to update my score and report. I continued to get an error " Contact the department at : ''. I contacted the membership department several times and even spoke a supervisor. I was told by each agent that there is some inaccuracies om my report and I need to speak to the dispute department. Not to mention I have also contacted Equifax located in Georgia, in which they also submitted a XXXX ticket to have this fix. In between these times I have contacted the dispute department and spoke to XXXX supervisors.! supervisor confirmed with me too, that there were multiple social security numbers and names associated with my information, and requested I send in proof of my identity. I sent copies of my ssn, ID, Tax forms and proof of address. I have confirmed that they have received my proof. Each time I have received a different response and no on has fixed my issue. Furthermore the dispute dept including the supervisors, have disconnected on me several times ( at least 5 times is an understatement ). I tried to refinance my loan and they tried 3 times to access Equifax 's report ( They only pull for Equifax ). They denied my application, because they were not able to access my report for Equifax. XXXX and XXXX XXXX XXXX has also had trouble accessing my file for Equifax , you will see multiple inquiries for them. This delayed my internet from being connected, in which I just spent over XXXX dollars to start college courses online. The second supervisor claimed it was an address, and she updated it. The other department I have spoke to was the online support department, who has confirmed that I also need to speak to the dispute department, after that XXXX supervisor transferred me again. I attempted to call Equifax again today ( XXXX, Ga XXXX XXXX and I was told the same thing,,, " there was nothing wrong with my report, and I need to have the creditor run a new application. Also they need to make sure they are pulling the correct report. '' I have told each creditor this and if it was that simple ; Why is Equifax , not able to pull an updated credit score or report? I informed the supervisor that I have told th creditors that already. She hung up on me and the agent, ( as usual ) asked for a callback number, in case we were disconnected. But did not call back. My 1st ticket was supposed to be finished XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over XXXX days ago, under Section XXXX ( XXXX ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Equifax last week I was speaking to someone as their system went down. I was on the phone 30 min trying to see what this account was. I asked the Equifax representative to send me documents that they had on file that they used to verify the accuracy of the above account. I have yet to receive anything Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD

Company response to consumer: Closed with explanation