BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I have been trying to work out a modification with Mr. Cooper for the past few months. They have now offered me a modification ( 2nd One ) extending the loan for 15 years with a reduction in interest. Please see attached letter for the exact breakdown. If you amortize the existing loan at 2.875 % for 26 years the payment should be {$1800.00}.

I have also been approved for a Mortgage Grant of {$30000.00} thru a nonprofit organization. Mr. Cooper says I can not get the modification if I accept the Grant. 

Mr Cooper is trying to rip people off. I need to know how they came up with the amount of {$1900.00}. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a wire transfer from my HSBC account to my XXXX XXXX XXXX XXXX account on XX/XX/XXXX, the XXXX is XXXX, XXXX XXXX checking was not able to process this wire on XX/XX/XXXX due to the wrong routing number input for some reason. Subsequently, they initiated a return/refund with XXXX XXXX. 

I'm submitted this complaint end of business day on Friday XX/XX/XXXX after back and forth with HSBC for several days, they're still not able to provide any information with regard to the dangling wire transaction ( in the amount of {$5000.00} ) and the fund has not yet been deposited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXXXXXX FDCPA section XXXX Violation misleading false reporting XXXX XXXX XXXX XXXXXXXX Account : XXXX FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX XXXX  XXXX Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. 
XXXX XXXX XXXX Misleading false information This a HIPPA violation you can not report health information on my credit report XXXX XXXX XXXX XXXX XXXX USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXXXXXX FDCPA false misreporting, Instructions : Update to paid current as agreed. I was never late this is a violation to my rights as a consumer. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax is supplying banks and other institutions my credit report with a large amount of inaccurate and expired information which cause me and the corporation I am president of to not be approved when opening an application for credit or bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
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:
I'm having an identity theft issue on my report for an account from the XXXX that I'm not legally responsible for based on fcra section 609 I'm not the holder oF this account and have requested the original contracts please assist me in getting this resolved

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 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm having an identity theft issue on my report for an account from the XXXX that I'm not legally responsible for based on fcra section 609 I'm not the holder oF this account and have requested the original contracts please assist me in getting this resolved

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 2016-03-08
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX 2015, I completed my annual certification for my income based repayment plan. After this submission to FedLoan Servicing, the private company contracted by the Federal Government to service Federal student loans, I received an email confirmation stating that my annual re-certification had been received. I monitored my account online for about XXXX weeks and when I noticed that my re-certification had not been processed I called Fedloan Servicing to inquire. I was told that I had incorrectly completed the application. I knew this was incorrect so I called back. The next representative told me that there was simply a backlog and that it would be processed soon. Finally, the third time I called I was told that there is a process that I must go through in order to go from Income Based Repayment to Pay As You Earn, XXXX of the income based repayment programs. The process was initiated where I would make one payment before moving to the Pay As You Earn repayment plan. This bill never came. I called back and after being given wrong information from the representative for the third time I asked for a supervisor. The supervisor informed me that everything was in order but they were very busy and I would have to wait for my account to be processed. This conversation took place in XX/XX/XXXX. It is now XX/XX/XXXX and five months since I submitted my initial application and still no action has been taken by Fed-loan Servicing. To make maters worse I am now receiving delinquency letters but being told to ignore them by representatives of FedLoan Serving. I have also had to call Fed-loan Servicing on my own to make sure they do not automatically bill my bank account for bills that FedLoan Servicing admits are being generated in error but can not do anything about. Had I not called they would have removed over {$3000.00} dollars from my bank account. I would greatly appreciate the CFPB 's assistance in dealing with this Servicing Company so that I can avoid any negative credit reporting or other damaging results caused by FedLoan Servicing 's incompetence. I would also add that I am an attorney with some experience dealing with student loans and would expect that many thousands of inexperienced borrowers are harmed by FedLoan Servcing daily due it 's incompetence. Thank you for your kind consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I submitted a request regarding specific over-payment instructions to FedLoan Servicing ( myfedloan ) and received a generic email response back. Not only did they not acknowledge my request, but they did provide additional information on how to service it. I followed the advice seen here ( XXXX ) in regards to providing specific over-payment instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Financial Credit Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a phone call from someone at ARA Inc. who was very gruff, he used my first name and maiden last name which i have not gone by since XXXX. I asked what it was in reference, and first he said they were not a collection agence and in the next breath he said that I had an open credit account and a balance due of {$2700.00} plus fees plus interest with some bank which i never heard of, and said the account was open between XXXX, which is impossible. When I got married in XXXX I did not have any outstanding debt. He then read my social security number. I did not confirm or deny my name or my SSN and I hung up on him. He called me right back and I said I dont know who you are or what you want and I have neither confirmed nor denied my name or SSN, he said " I know it 's your SSN '' He went on to say that he knew it was my debt because it was on all XXXX of my ( XXXX, XXXX and XXXX ) credit reports. I repeated that I had not confirmed either my name or SSN and then he began taunting me saying " I know it 's you, I know it 's your SSN '' and I hung up again. Then I got the number from my caller ID and called back to find out the name of the company. ARA Inc . I XXXX them and did find their website XXXX in XXXX, IL, every other search result was of people complaining that they were scammers. What threw up the red flag was the fact that he used my correct first name, but not my legal last name - again, my legal, married last name since XXXX. I 'm now divorced since XXXX, and use my maiden name on social media only, but not on any bank accounts, credit cards, utilities, the deed to my home XXXX, etc. I then went and checked all XXXX credit reports and it was not on any of them. I am now afraid of what they might do with my SSN. How do I make them cease and desist, and how do i protect myself? My XXXX score is in the very high XXXX. Has anyone else had a problem with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Requested Midwest Service Bureau to not call me at my employer during conversation in XXXX 2016. I was paged through my employer today, XXXX/XXXX/16 @ XXXX, by XXXX XXXX at Midwest Service Bureau regarding the same accounts.

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 2016-03-02
Company: Paypal Holdings, Inc
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Paypal continued to harass me about opening a credit account, so finally I applied and opened an account in XXXX 2015. Less than 2 months later I received a notice that my account was closed because Paypal had not updated my new address. I received the notice at my new address. I contacted them and was informed that they would reinstate my account but that I was forced to allow them to run a " soft credit '' report in order for them afterwards to reinstate my account, so I hesitated, but then agreed. We had an agreement. I also filed a seller complaint against a merchant who misrepresented an ad where I received merchandise not resembling the ad 's description. I faxed all relevant documentation to Paypal timely. Instead, the letter I received from them in XXXX stated that my account was closed and the dispute was closed ; the letter was also very vague. I immediately contacted Paypal and that is when I was forced to submit to a soft credit check then my account would be opened. They never re-opened it and the dispute was never properly followed up on. I have made several calls since then requesting to speak with XXXX XXXX, to which I was told I could not. He is the head of credit I was told by XXXX or XXXX, so very ghetto behaved loser in escalations? She also told me that " I am the highest you 're going to get next to XXXX XXXX ''? When I was speaking with her, the line went silent for a long while ; I thought maybe we were disconnected, but she was just playing hoodratty games and giggling at my dismay and disappointment with the illegal treatment. I terminated the call with her at this point. Called back later, spoke to XXXX who then transferred me to XXXX where all he did was say " I 'm sorry you were told that, or that, or that this happened to you '', but he refused to correct the matter and gave me the very same fax and dept. to contact about disputes and customer care that I had previously been dealing with. I informed him that Paypal behaves like a bunch of monkeys in a circus, aping one another while upsetting and treating customers with such illegal and dishonest behavior. I finally had to hand up on him also. He, nor anyone at Paypal would rectify the situation. They hire anyone without any problem resolution skills and then one is referred back to the very same dept. that presented the confusion and illegal conduct in the first place! I even reminded XXXX of the settlement and lawsuit last year by the CFPB and he did n't seem to care. Paypal need be cleaned out and intelligent, mindful and law abiding reps and supervisors need replace the dumbed down and unlawful scraps they currently employ. They need to reinstate my account and refund my disputed amount ASAP or else. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-12
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
I have a credit card from AMEX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMEX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX only reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to modify my loan. In XXXX and XXXX, after months of Suntrust losing my submitted documents or rejecting for numerous reasons, I was denied a modification of my loan in XXXX, XXXX ( which stands at 6 % ). I had fallen behind XXXX payments earlier in the life of the loan but ALWAYS paid my scheduled payment as agreed. I was just XXXX months behind. I asked and begged for those XXXX payments to be put at the end of my loan. I asked and begged for a lower rate and new terms ... denied. All they offered me was a repayment plan whereby they took what I owed, divided it by XXXX, and that would then allow me to " catch up ''. Problem is, and I explained this to them, is that this loan is an interest only loan which is due to TRIPLE my monthly payments this coming XXXX XXXX, XXXX. They were uncaring to say the least. 
Fast forward to today, XXXX XXXX, XXXX. I just tried to initiate another modification process ( this time the loan is not delinquent as I paid the XXXX months that I was behind in XXXX/XXXX of XXXX ). I was told by the home retention department that the refinance department had to help. I was told by the refinance department that the home retention department had to help me. 
I can already see where this is heading. I 'm solidly back at square XXXX with this company. The representative at the home retention department was n't even sure if they could help me since I 'm not behind on my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian only reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late.

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 2017-05-23
Company: EQUIFAX, INC.
State: AZ
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 demand to see verifiable proof of this information listed on my report " PUBLIC RECORD : US BKPT CT AZ  XXXX  -  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
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:
I've tried to resolve these stolen accounts on several occasions with no feedback I have collections on all bureaus that are inaccurate there is an issue with a misconstrued name I believe I've never had anything in my name either than a student loan please assist me in the removal of the fraudulent items thanks

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 2020-04-13
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: Old information reappears or never goes away

Complaint:
There is an item that keeps being put onto my credit report by all three major credit bureaus. The item is from XXXX XXXX XXXX. 

XXXX XXXX XXXX filed a lawsuit about the alleged debt and the case was dismissed due to " There is not sufficient evidence to continue prosecution of this case. '' and the case was dismissed. I have asked for this to be removed and to not be reposted to my credit report and it continue to reappear on all three bureaus. 


All three credit bureaus XXXX XXXX TransUnion Debt Collector XXXX XXXX XXXX Amount of alleged debt {$2400.00} Account # XXXX Court Justice Court XXXXt XXXX XXXX XXXX County Texas Case Number XXXX Dismissed Date XX/XX/2018 XX/XX/2018

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 2015-12-29
Company: Specified Credit Association, Inc.
State: GA
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:
Specified Credit Association continues to try to collect a debt that I do n't owe them. I never established a contract with this company and they have continued to call and harass me on my work and home phone and sending me harassing letters indicating that they will report the negative item on to my credit reports if I do n't pay them. They are breaking the FCRA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation