BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working through a certified HUD Counselor with the lender MR COOPER/Nationstar mortgage llc , the HUD counselor was able to work out or what I thought was work through my issues with my delinquent mortgage. per the email exchange and phone conversation. Mr cooper employeXXXX XXXX XXXX and XXXX XXXX, who advised me that I can send over payments to bring my balance down, they also said they would allow a 3rd party government agency to help pay my balance down, they agreed to place money in a suspend account and not return the funds so that the California home mortgage grant program can pay off the remaining which would be {$80000.00}. we were asked to send the payments to the attention of XXXX XXXX. I have complied with all of their directives, the lender sent back the payments and posted letters in my portal stating it wasnt enough monies to bring account current, but the agreement was they would hold the payments in suspend to allow the government program to pay the XXXX. To satisfy the past due. I was then told to wire the money the wire was also rejected. I am trying to save my home this is why I worked with the hud counselor, why was there an agreement in place and the lender violated the agreement they made with HUD,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: WELLS FARGO & COMPANY
State: TX
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:
In XX/XX/XXXX I asked Wells Fargo to add a friend of mine to be an authorized user on my credit card account. I did not ask to add her as a joint account holder. She only had a card with her name on it. The account is mine and I opened it in XX/XX/XXXX. I recently asked Wells Fargo to make that card invalid and remove my friend as an authorized user. Wells Fargo reported to the credit bureau that the account was closed and this affected my friends credit score and it went down 100 points from XXXX to XXXX. The account is not closed and she was simply removed as an authorized user. My credit score was not affected at all because the account is still open and I am the account holder. 

This is unfair credit reporting. I know this because I am an authorized user on my employer 's credit card account. If I quit my job and they take me off as an authorized user this should not reflect on my credit history because my employer 's account will still be in good standing and I am not responsible for the account after I am removed as an authorized user and my credit history should not be affected. Wells Fargo is committing fraud by falsely reporting that my friend closed the account when the account is actually still open. This violates the fair credit reporting act.

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 2015-04-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
The company ( XXXX XXXX which is now Navient ) called me everyday, all day even after XXXX and harassed me about paying the private loan even though I have tried to work with resolving the issue in the past. I paid the company up until after I was XXXX and up until I had to file for bankruptcy ( from XX/XX/XXXX thru XX/XX/XXXX ) so they have received more than what the initial loan was worth due to the interest rate being above 18 %. They are now threatening to garnish my XXXX check and checking account. In the past, they found loop holes to say the loan was not federal but it was personal and then that it was private in attempts to prevent the loan from being discharged due to bankruptcy and/or hardship. I have paid them back more than the original loan plus penalty charges. I tried to settle with them in the past when I still worked and tried to get them to reduce the interest rate. All my other student loans with other places which totalled more than this one, were paid off due to the interest rate being at the normal student loan interest rate ( 1-3 % ). XXXX XXXX refused to lower the interest rate and gave me the excuse that the loan was a personal loan and the interest was high due to that. But when I filed bankruptcy ch. XXXX, they changed and said it was a federal loan. Then when I asked to have it discharged due to federal hardship, they first agreed and I filed the paper work. They then changed their standing again and said this was a private loan so it could not be discharged. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Movement Mortgage LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The lending agent sent me a disclosure for a closing amount on our mortgage. I had to provide more than {$1400.00} more when I signed with the title company. XXXX XXXX XXXX did not keep in contact and avoided communication with everyone involved with closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # 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 2020-10-20
Company: R.A.Rogers, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted RA Rodgers, a collections agency in Maryland to send me a professional letterhead with my payment History on it for each authorized payment and not a lump sum, like they been doing. They keep lumping separate payments into a lump sum on paper And my creditor does not understand this and they do it intentionally. They have not given me a professional looking payment letter that references the accounts in question and the lender in question or their company.They also have not reported any payments to the credit bureau even after telling me they do. I never got one thing in the mail or by fax and they argue on the phone about doing their job. They keep denying me information to verify my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: MS
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:
After reviewing my credit report I noticed two inaccurate inquiries on there being reported by this company & the credit bureaus in which I have disputed them and put a fraud alert on my account as well with this XXXX XXXX company and all 3 credit bureaus is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the company never responded by mail. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX >  I have disputed these TWO unauthorized inquires for several months with no help from the company or credit bureaus. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent by mail to XXXX XXXX XXXX XXXX. I have spent the last two days over the phone disputing and arguing with representatives at XXXX XXXX XXXX XXXX (which is a third party for another company) that keeps telling me that they will not investigate these two inaccurate inquiries that their company requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or a Veterans home loan place. It is NOT my job to track all of these companies down. I put a fraud alert on my accounts for these are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that XXXX XXXX XXXX do their job and abide by the laws!! This company requested my information without my consent and they need to delete it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, Please remove the following from my credit report. The address XXXX XXXX XXXX XXXX  XXXX and the cactus address from my credit file, I never lived in XXXX Arizona. Please delete the XXXX XXXX address I never lived in XXXX. 

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 non-monetary relief
Consumer complaint received 2020-03-23
Company: DISCOVER BANK
State: NV
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:
The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : Discover FIN SVCS LLC Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
I received a letter dated XXXX XXXX from Bank of America, Reference number XXXX. This letter thanked me for my interest in the XXXX XXXX XXXX Visa XXXX  card and that they needed to speak with me to verify information on my application. 
I NEVER applied for a XXXX XXXX XXXX Visa XXXX Card. I phoned the number on the letter XXXX immediately to notify Bank of America Fraud Department. I was told the applicant used my full name, address, date of birth and my SOCIAL SECURITY number. I requested that they send me a letter stating that the application was canceled and no credit card was issued and notify the credit bureau. I spoke with 5 individuals, XXXX, XXXX, XXXX, XXXX and XXXX who said they would take care of it and have received nothing. It has been over a month. I have no closure in this matter.

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 2015-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance in saving my home with my lender, Bank of America, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork to my lender Bank of America. My attorney confirmed Bank of America received my full and complete application and all financials. Bank of America then recorded a Notice of Sale against me on XXXX/XXXX/2015 with a sale date set for XXXX/XXXX/2015. I am told per RESPA - Mortgage Servicing Regulation X XXXX, my servicer is not supposed to move forward with foreclosure ( XXXX ) if I have an application submitted XXXX days prior to any sale date. My application was submitted 41 days prior to any sale date. I feel my servicer, Bank of America, illegally recorded a notice of sale against me and is therefore now " Dual Tracking '' my foreclosure process. I am currently under review for a loan modification. I feel I qualify for assistance. My attorney says I qualify for assistance. Bank of America 's actions appear to violate RESP Reg x ( 1024.41 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I pulled my credit to discover  that XXXX  is reporting mortgage lates from XXXX XXXX I researched and discovered that they are affiliated with XXXX XXXX XXXX. I had a mortgage approximately 10 years ago. The information is incorrect XXXX  will no longer investigate as they claim the information is correct ... it's not. I've spent hours getting sent from department to department, given email addresses that are no longer monitored. I'm angry and frustrated. My social security number ends in XXXX. The purported account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Dear Sir, I have a one Month past due on my credit card payment. 
The bank unilaterally withdrew {$1000.00} from my checking account and applied it to a credit card number which is no more active - but did send the money to the current the credit card. 
-There is NOT part of a scheduled / recurring payment plan -This not an E-bill 1.i went to my bank and a agent called customer care which could not justify the withdrawal or provide authorized document signed by me. 
2.I sent them a letter to my bank agent enquiring about the withdrawal and asked them the return of this amount. 

3.i received a reply letter from the bank with NO RETURN ADDRESS and NO specific person to address the mail as it was written " Speciality Claims research and Resolution '' stating the below : " what you need to know " " we are unable to return {$1000.00} at this time because your account is currently past due, over the credit limit or both

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 2015-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. I HAVE BEEN IN ESCROW TO COMPLETE THAT TRANSACTION. BECAUSE OF BANK OF AMERICA 'S INCOMPETENCE, XXXX BUYER HAS WALKED AWAY. ON XXXX XXXX OF THIS YEAR MY REAL ESTATE AGENT FAXED INTO BANK OF AMERICA ALL REMAINING REQUIRED DOCUMENTS FROM THE BUYER. ON XXXX XXXX, XXXX, THE NEGOTIATOR COULD NOT FIND THE DOCUMENTS. FOR A COUPLE OF WEEKS WE WERE ATTEMPTING TO SEND AND VERIFY RECEIPT. THEY BUYER FINALLY CANCELLED. IMMEDIATELY AFTER THE BUYER CANCELLED WE INFORMED BANK OF AMERICA AND WAS FORTUNATE ENOUGH TO RECEIVE ANOTHER BUYER AT FULL LISTING PRICE. BANK OF AMERICA BLOCKED US OUT OF INPUTTING THE INFORMATION INTO THE XXXX USED FOR THESE TRANSACTIONS. IT WAS NOT UNTIL XXXX XXXX, 2015 THAT WE WERE ALLOWED TO INPUT THE NEW BUYER INFORMATION. BANK OF AMERICA DEVIOUSLY CLAIMED THE SALE WAS TAKING TOO LONG AND SET A FORECLOSURE SALE FOR XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Navient Solutions, LLC.
State: CA
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 became XXXX and lost a huge portion of my income. Navient kept piling interest on my loan while I could not pay my loan. Navient informed me that if I choose to request forgiveness of my loan, I still have to pay taxes on the forgiven loan amount as if it was ordinary income. If I could n't afford to pay my student loan payment, how in the world would I be able to pay the IRS half the total value of my loan plus interest?????? Not possible! This is a catch XXXX for loan recipients who become XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted documents where the collector states that I dont have an account with them and the bureaus continue to allow the collection on my 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 explanation
Consumer complaint received 2020-03-23
Company: Financial Assistance Inc
State: NV
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:
The following information appears on my credit file as a result of identity theft. I believe my ex husband, XXXX XXXX, has been using my identity to fraudulently obtain goods in my name. I have not had these credit cards or loans and I in no way benefitted from any of this money or credit accounts and they must be removed from my credit file as soon as possible as they are causing me harm. The following information is inaccurate and fraudulent and must be removed. 

Accounts : XXXX XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$4900.00} XXXX XXXX   Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$18000.00} XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount Owed : {$16000.00} Financial Assistance Account : XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$12000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX   Date : XX/XX/XXXX Please remove this offending information as it is inaccurate and causing myself and my family harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2020, my new lender purchased my mortgage from Lakeview. I had an autopayment set to withdraw at the beginning of XX/XX/2020. I canceled the autodraft and erased my bank information from Lakeview 's system. On XX/XX/2020, Lakeview withdrew money anyway {$8300.00}. I contacted Lakeview to refund the money immediately. They said it would take 10 to 14 days. At 14 days, I asked them where the refund was. They said the check was in the mail. It has been 19 days. I have not received any payments. This is theft. Even if they have sent the check, they have optimized the delay in refund and have injured me the opportunity cost in interest. It's slimy and disgusting. It's illegal. Lakeview creates ways to steal money from its customers. They steal money from their customers and only react when a customer with the wherewithal and bandwidth complains. REF : 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 explanation