BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-01
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a new complaint that is a continuation from a previous complaint that is still not completely resolved. Mr. Cooper explained and fixed the previous issue with my payments. However, in the process of the issue and because it took so long to fix this issue, several other problems have now occurred with my mortgage. 

Because my mortgage was left unpaid for so long even though I made the payments, it was put in a foreclosure status causing us to receive notices in the mail and letters from lawyers. Just when I thought this situation was resolved, I received an email from XXXX showing my own home for sale in a pre-foreclosure status!!! Talk about adding insult to injury after all of the other mistakes that have happened!! 

In addition, I found out during this whole process that Mr. Cooper paid my homeowners insurance and is now trying to raise my payments. They had no right to pay my homeowners insurance without asking me. Our HO insur. was on a automatic debit. I received a check last XX/XX/XXXX that said is was an overpayment of my Escrow. I thought they meant my property taxes since I was paying my HO Insurance on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Payoff process

Complaint:
Contacted Bank of America multiple times to try and adjust interest rate and payment on credit card bill to finical hardship. Each time I was tossed around and never given a straight answer. Immediately after finally deciding to just close the card I was charged {$45.00} in interest more than I had ever been charged before and I was denied the ability to use my {$15.00} earned credit card points. Bank of America has constantly denied me any assistance. I have requested it multiple times and they deny me for any reason.

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 2017-01-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I moved from an apartment and was told I owed money on a carpet clean. This was sent to collections to a company called IQ Data. They called me, and asked how much could i pay. I told them i dont have any money to pay it. They asked for a card to keep interest from going on the account so i gave them my credit card and told them to call me on friday ( this started on a Monday ) to see if i have the money for it. I spoke to a woman. On Wednesday my phone kept ringing at work so i answered it, I told the guy I told the woman I was gon na have them call on friday to see if? I had the money to pay the {$50.00} they wanted to do. I told him I didnt have the money for it. He kept calling me all that day and thursday and left me a voice mail message on thursday saying I refused to pay. I woke up on that friday and went to a gas station on my way to work to only find my credit card was charged {$50.00}. I called the company and spoke to a manager. He refused to give me my money back claiming I authorized the charge. This I did not do i would not do so if i am not sure if i can pay it. The manager spoke to me very disrespectfully. I called my credit card company and disputed the charge. They were suppose to provide this proof they claim within 15 calender days and according to my credit card company they did not. Today is XX/XX/2017 and I was called again from the IQ Data company stating they tried to run my card again and it was declined I told him I never said they could! I called again soon as I arrived earlier at work and spoke to their manager again, only this time he spoke awful to me. Saying I charged back the card and I got my money back claiming hes going to take it to " the next level '' and refuses to tell me what he meant by saying that. I also requested this proof of my authorization he claimed I did from the previous charge and he said " I can give it to you, but, I wont ''. I told him legally I should be entitled to this and he kept saying what he said to me speaking to me in a manor as if he was talking down to me. He was extremely disrespectful to me. Threatening me with legal action because I did a charge back on a charge to my credit card I do not ever recall doing so and refusing to provide the poof to me. I have never been talked to before by a company specially a manager like IQ Data. I got off the phone XXXX. I have never been threaten or talked to like that before.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I was intimated by XXXX that my credit score was downgraded 27 points. This was in the same month that I have successfully paid off my mortgage without a single delinquency. I called all three credit bureaus to no success, no one could tell me why and from where the deliquency was reported. 

I called FICO who charged me {$59.00} just to see my report which they said they couldnt comment on till they saw it. They have promised to reverse the charges but I dont have that just yet. All this was on XX/XX/XXXX and XX/XX/XXXX. 

I finally found out that a delinquency already reported in 2017 was again reported this month thereby dropping my score by 27 points. This is extreme carelessness and this is on a account that is CLOSED. 

Everyone is making me run around in circles to figure out who will fix this. XXXX that originally started this drama over {$8.00}, wont talk to me because the account is closed.

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 2020-04-19
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May Concern, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of XXXX  indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with XXXX  LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have contract with Cavalry Portfolio Services LLC. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. Moreover, my credit report is not showing any dates at all. 
Reference Number XXXX Court Circuit Court Date Contact details provided is : XXXX XXXX, GA XXXX XXXX -- Status Filed Amount {$2100.00} Classification Legal Item Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Webcollex, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from a local phone number, XXXX however it turns out the collection agency was " spoofing '' this number. The caller left a message stating " This is XXXX XXXX, ID # XXXX from CKS Financial. '' The phone number she asked me to call back was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage held by M & T Bank XXXX XXXX, N.Y. The loan is FHA. I 've been making payments for 5 years - not a single late payment. Due to an increase in home values in California over the last five years, my LTV is now much less than the 76 % threshold needed to cancel private mortgage insurance. M & T says it wo n't accept an appraisal to verify the current home value and therefore wo n't cancel PMI until the outstanding loan reaches the 76 % ratio solely through principal reductions to the original loan balance This is absurd, given that I could refinance ( but do n't want to ) and a new loan would be based on the home 's appraised value. This practice seems patently unfair. If however, this is law, as they state, then the law needs changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Other financial service
Sub-product: Money order
Issue: Advertising and marketing

Complaint:
I have tried to send money to people that I know. This company keeps stopping the transfer. After many call transfers I finally get someone to tell me that they do not like my sending history. This is NOT their concern. Their business is to facilitate sending and receiving money. They have no business in making this decision. I take responsibility in deciding to whom I send money. 

I would like a written statement from a company XXXX that they will cease and desist in this practice. It is not right and needs to stop. Very poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: BB&T CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I want to report two banks to the federal government. 
One, is XXXX. Routing number : XXXX Account number : XXXX. This bank sent me a check in the amount of {$2900.00} ( Found out it was a scam, fraudulent check ). BB & T, has the impression of the check that hit my bank. 

Two, is XXXX bank I attempted to pay this bank off, {$25000.00}. They tacked on fees and interest which they were blackmailing and extorting more money out of me. 

Thank you, 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
Consumer complaint received 2017-01-26
Company: BB&T CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A vendor erroneously accessed my bank business account, which caused my account to overdraft. Bank charged me with an initial overdraft fee of {$36.00} and subsequently charged an {$8.00} overdraft fee every day, which continues to this date. Called bank and was advised that once funds were returned they would address issue. Went in person to bank and was told I would still be liable for overdraft fees - How could this be so I did n't cause it to overdraft My XXXX questions are how could I be liable for any over draft fee if someone overdrafts my account, admits they should n't have and rerurns funds that caused the overdraft, and secondly - can a bank charge an overdraft fee EVERY SINGLE DAY your account is overdrawn??? that is preposterous

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 2021-12-17
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with fraud alerts or security freezes

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

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 2018-05-30
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX my son and I, the co signer, were sent letters of default on 2 loans. When the letter came, I sent a check clearly marked with the 2 account numbers. 2 years later I find out the one account was never credited. I called Discover around the XX/XX/XXXX,  they tranferred me to XXXX. I sent her copy of the cancelled check. She said she would call back in 1 week. After 2 weeks I called Discover and asked to speak with XXXX. Was told that there was no XXXX working for Discover and I must have called XXXX XXXX instead. I said no, I didn't even know what XXXX XXXX was so how could I call them. I explained that the only thing XXXX had done was put the loan in question back on my account. XXXX said she would personally look into it and call me back within 2 weeks. NEVER called back. Called again on XX/XX/XXXX and talked to XXXX in XXXX XXXX XXXX. He saw all notes and promised to take care of things. That was 2 months ago and still nothing is resolved and I have a mark against my credit because of their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: COOLEY ENTERPRISES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased my vehicle from Clay Cooley XXXX back in XXXX. I had issues from the beginning with every maintenance light being on in the vehicle so I ended up having to take vehicle back to get looked at. I get my car serviced regularly and have receipts to show for. I purchased a XXXX to have secure transportation for not just myself but for XXXX small children as well. I have not had the car even a year yet and the car just completely shuts down which put me in the position to do the research on the vehicle that was sold to me by their dealership. I do not see me putting more money into getting in fixed after being promised that the vehicle was good. I needed the car at the time really bad and after doing the research on the car other people have had the same issue as well. I pay my car note on time and I asked if I could trade in for something safer on the road as I am paranoid to drive the vehicle. I was told no. I am needing something done because they are more concerned on getting money and not assisting as I was told before.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: MD
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions

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 2021-12-17
Company: EQUIFAX, INC.
State: MD
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Regency finance came to my house twice now and threatened me with wage garnishment. If I did not pay. They call about 10-15 times a day.

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 2015-07-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are in the unfortunate position of having had our mortgage sold to Nationstar for servicing. Each month we pay the amount due ( principal and interest ) plus an additional {$750.00} toward the principal. We use Nationstar 's online form which allocates the payment accordingly. For whatever reason, Nationstar can not seem to understand that the additional {$750.00} is a payment against the principal. Some months it has been stuck in an escrow account. More recently, after several phone calls and hours spent talking to a representative and being assured that our account has been corrected and that the problem will not recur, the new approach ( last 2 months ) is to allocate to the next month 's payment, reducing the monthly amount due rather than reducing the principal owed. The following is an example of the communication we have been having with Nationstar : Subject : Payment PostingLoan : XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXXDate : XXXX XXXX, 2015 XXXXOnce again we are writing to correct your posting of our most recent payment. We paid our XXXX payment on XXXX/XXXX/15. As we do every month we paid the amount due plus an additional XXXX in principal. Once again you have failed to post this payment correctly. Why is this so difficult? Compounding your error, your site indicates that you did not accept this payment toward the XXXX payment due and that we still owe an XXXX payment. Correct this as well. We are becoming tired of having to constantly correct your accounting of our payments. This is not hard, all you need to do is look at the allocation of the payment that is made with transaction and apply the funds accordingly. The incompetent handling of our account is very frustrating and stressful. We make our payments on time, even early, and expect reasonable service of our account. If you are unable to provide this minimal competent level of service please transfer our loan to some one who will. I would welcome someone calling me and explaining the steps you will take to remedy this situation. I can be reached at XXXX. XXXX XXXXThe only response to this email was to make the corrections requested. However, each month since has continued to be problematic with Nationstar mishandling our additional principal payment requiring calls to the service department. Its delay in applying my additional principal payments obviously impacts the amount of interest I am paying to my detriment but to Nationstar 's benefit. I suspect that my loan is not the only loan being handled this way, and if it is Nationstar is benefiting from its own seeming incompetence.

Company response to consumer: Closed with explanation