BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im trying to remove PMI from my mortgage. 
Im following the rules and contacted the company about I want to do mortgagee recast and I want my PMI removed based on the new valuation of the house, since the real estate market is on the rise. 
I purchase this house XXXX ago. And the value is indeed increased. 

The company initially aggreed and made me go through the process and pay XXXX non refundable fee. 
The. After going through all the process they rejected it and they said the XXXX calculation will be based on the original loan amount not based on the new validation. 

Need help as I want to do my right and removing the PMI based on the new house valuation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I checked my XXXX  credit report and noticed that I had a past due loan from affirm that was sent to collections. I did not take this loan out. This was fraudulent activity. When I tried to log in to affirm, the account associated with my social security number did not reflect my phone number, email address, or physical address, but it used information associated with my ex-wife. I never received any notice of a debt accrued, nor did I receive information regarding my right to dispute the charges. I just caught the fraudulent activity today, XX/XX/2022 or else I never would have known about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I called experian after noticing that XXXX XXXX placed a chapter XXXX comment on my credit report.Since I have never filed a chapter XXXX I requested experian to remove this incorrect information. They refused.I need this company who I do n't really know to tell me who or where they got this information from then remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: Remitly, Inc.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent some money to my Father on the XXXX of XXXX using Remitly, i provided all the necessary information needed to send the money. On the XXXX, I was told by Remitly that the money has been delivered. I called my father to confirm only to discover that he hasnt received the money. Its been almost a week and I have been trying to get in touch with Remitly but they keep stalling me telling me that they would resolve the issue and call me back but I havent received any call from them. I provided all the necessary information like my fathers bank statement showing he hasnt received the money. I worked so hard in the US to send money to support my father and I feel I have been scammed and cheated of my hard-earned money! Help I would like the department to help me in retrieving my money back. Its a lot of money! Over {$2000.00}. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed this account many times every time it 's about the late payments reporting. After many attempts to get this fix I hade a due date change which took months for this company to figure it out. After speaking with multiple supervisors they finally agreed to remove the late derogatory marks off my credit report due to the fact that it was not my fault that it took there company so long to make the change for the account. Also I do have proof that they agreed to remove the derogatory marks off my credit. This is the only negative account that I have on my reports and this is hendering me from purchasing a home. WellsFargo need to do better by there customers. My account has been current and on time since they did the change.

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 2017-09-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I closed my checking and savings account with Citibank in XX/XX/XXXX. Ever since XX/XX/XXXX I 've received a daily alert to my email : XXXXXXXXXXXX regarding my balance. This has been going on for many months. I called Citibank a few days ago to inquire on why I 'm getting bank alerts for accounts which were closed in XX/XX/XXXX. The representative had no answer. I asked her to please ensure my accounts are closed and to please discontinue the email alerts. She told me she could n't discontinue the alerts on the checking and savings accounts because I have a credit card account that gets alerts ( it made absolutely no sense ). I was placed on hold for a long period of time and call was disconnected. I was so irritated by the handling of the call I did n't call back. I waited about a week to see if the alerts would stop and they did n't. Given the situation with XXXX XXXX recently falsely opening accounts to meet sales quotas ... I 've become worried that my accounts were reopened or never closed. I do n't see why the representative could n't assist me other than my accounts are open and she did n't want to tell me that.

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 2022-03-02
Company: Experian Information Solutions Inc.
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:
I filed a dispute with company asking them to verify my debt.The representative could not pull up my account because the account is not linked to my social security number. This account was opened with another social security number with a person with the same name as me. I've disputed this with the company several of times. When asked to provide my written signature giving consent to the application for this line of credit all I receive is statements with another social security number. I have disputed this for two years and there has yet to be a resolution.

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TRANSUNION CREDIT BUREAU REPORTING : XXXX XXXX  ( XXXX ) - REPORTING NEGATIVE TRADELINES ON MY TRANSUNION CREDIT REPORT REQUESTING REMOVAL OF ALL NEGATIVE LATE MARKS

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 2022-07-19
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mutual of Omaha has called me XXXX times today. Probably would have been more if I wouldn't have picked up the phone on the XXXX call. Many of the calls were back to back. Plus 2 different text messages. These calls were prompted by an application I filled out with a referral company for refinancing my mortgage. I should not be harassed by the same company this way. I get they want my business, but hounding me this much in one day is excessive. I feel like this is a violation of some kind of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I alerted Citibanks wire transfer department on Friday, XX/XX/XXXX I was frauded with a wire transfer of {$6000.00} from my checking account within XXXX min from incident. Citibank didnt take recourse in time by 1/ communicating to the fraudsters bank to freeze their bank account and 2/ managing secure validation procedures for a wire transfer to be processed. The security validation for the wire transfer is the SAME for all transaction types. The fraud event happened because the fraudster tricked me into believing he worked with Citibank as a fraud XXXX to validate a {$500.00} transaction. By having my last four digits of my social and my debit card number, the money is gone. 

Due Citibanks slow response time and investigation, the funds have likely been withdrawn by the fraudster.

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 2020-10-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Received a phone call claiming to be XXXX XXXX alleging I owed {$120.00}? I experienced a total loss of my vehicle and had been told my insurance settled. All payments were made timely on my loan. I asked for an explanation was was told the caller did not have that information? I was uncomfortable giving any payment information over the phone, and indicated, if true I would absolutely pay if they could send me the information in writing. I have never received any written communication from XXXX XXXX. I received at least 3 additional calls and continued to request documentation and was assured that I would have 30 days to resolved from the time I received there communication. I still have received no documentation explaining why I owe this amount, and have now learned they reported me to the credit bureaus and my credit score has dropped 100 points? I talked with XXXX XXXX today and was told the amount is the difference between what my insurance payed in the final payout. If I knew this earlier I would have paid the amount. As a result of what I learned today I paid this over the phone. I find it unethical to hurt my credit score without receiving documentation of this situation as I requested and was told I would receive. Today I ask for their assistance in correcting my credit score they indicated I would have to file a dispute with the credit bureaus. This seems wrong since they reported me to the credit  bureaus? Again, I find this unacceptable as they did not comply with my request and their acknowledgement that they would send documentation.

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 2022-08-16
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Equifax XXXX and XXXX furnished information on my consumer report without my prior written consent. This is a violation of my consumer rights pursuant to 15 USC 1681b. You can not furnish information without the consent of a consumer. they willingly did so. I did not consent nor benefit from the following accounts. I have already notified the federal trade commission. 

XXXXXXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: VA
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:
XXXX  continue to place a deficient on tradeline. Requested company to verified debt. Company failed to comply to FCRA Guidelines. Requesting removal off Credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: EdFinancial Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were rehabilitated into a XXXX XXXX XXXX Loan over 10 years ago. I was told at that time that my loans would be eligible for discharge and/or forgiveness. I was granted a Total and XXXX XXXX XXXX approximately XXXX  years ago, but my loans were never discharged from the Consolidation Loan. The other party on the loan has been working in a low-income, PSLFXXXX XXXX for over 10 years and should have had her portion forgiven under Public Service Loan Forgiveness XXXX but she has repeatedly been denied. Every time I have inquired about the XXXX XXXX and the PSLF rejections, no one seems able to explain why any of this is happening or how to fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Despite the fact that I have no access to my credit report via XXXX, I am deeply troubled by the handling of my personal information. 

I 'm not informed of what steps to take to ensure the safety of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure it is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. A loan Modification packet was submitted on behalf of the client on XXXX/XXXX/XXXX to your office. It was confirmed the documents have been recieved with your office. The borrower complied with all request for documents. Your office informed our office on XXXX XXXX that additional documents were needed and the file is in review. Yet there is a active sale date. As stated above you are required to postpone or cancel the sale date while the file is in review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX I received an email from Chime that my account would be closed. They provided no reason and the email said that after a review of your spending account your account will be closed on XXXX XXXX. I was not able withdraw money from my account as it was closed on the same day that I was notified. The balance that was left in my account was around {$100.00}. I was unable to resolve the issue as they continued to respond by saying that bancorp monitors activity and my account was marked for closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust didn't pay my property taxes at the end of the 2020. I have tried to get them to pay taxes and penalties accrued to XXXX XXXX, but they still haven't paid the taxes and I am receiving notices from the city that they are planning to sell the property to get the tax. I have called Suntrust several times, has spend more than 10 hours waiting for their representatives, but the problem is not solved.

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 2019-10-22
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midwest Recovery Systems reported a debt from a Payday loan company, 12 XXXX XXXX XXXX  for XXXX dollars on XX/XX/2019 to all the credit bureaus. I was never notified of this debt and I don't know anything about it. No information about the original debt was included with the credit bureau and I was never notified in writing about this debt. Midwest Recovery Systems. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cashier check in the amount of {$120000.00} on XX/XX/2022. I was notified that the deposited was on hold. When I called customer service at Wells Fargo, I was told that the payee bank ( XXXX Bank XXXX had put a hold on the funds. I called XXXX Bank and was informed that there was no hold and there was no issue with check. I called back Wells Fargo and now was told that because my checking account was new the funds were put on hold. As of now, the check has cleared XXXX Bank but still Wells Fargo is holding the fund and not crediting my checking account. I have been advised that the funds will become available on XX/XX/2022. This fund was from a home equity line of credit loan that I am paying interest on while Wells Fargo sits on my money. Also, because of the hold, I have had a transfer returned for NSF and paid a fee.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: GA
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:
It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/XXXX and XX/XX/XXXX. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby

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 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.

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 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union for some reason is ignoring my requests to investigate, verify and remove an account from my credit file that does not belong to me.

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