BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-20
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a 30 day late negative credit marker due to Mr Copper system having a issue, my auto payment was started for the month of XX/XX/XXXX online. Unfortunately I fell ill and was in a XXXX  state due to my XXXX and was not able to address Mr. Cooper before the end of XX/XX/XXXXdue to being hospitalized for the month, once I got in a state to review my account I immediately made a payment and reset the autopay. I have never paid my mortgage late and this has affected my credit by 60 points and as I am already recovering from being out of work for over a month I have still managed to make two payments after being released from the hospital please favor a removal of this negative 30 day marker. I have provided my proof of hospitalization and XXXX info, my bank statements from XX/XX/XXXXand XX/XX/XXXXshowing ample funds for withdraw and proof that up until this auto pay issue my payment was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: MD
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:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I still have not received the correct respond yet. I have asked numerous times for your company to send verifiable proof which is an ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT!! I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigations due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX I submitted minimum of XXXX to jcpenny credit card. I then received an email stating jcpenney did not received my payment for the month of XXXX. 
I then send jcpenney penny proof of my bank statement stating that payment was made to jc penny. I also provided proof of text message sent to me with confirmation number once payment is successful. 
I resubmitted the proof once again to jcpenney credit card on XXXX XXXX. 
On XX/XX/2021, I spoke to XXXX from jcp credit card and put her on 3way with XXXX XXXX  representative. XXXX stated that the XXXX dollars was reverse to XXXX checking account. The representative from chase confirm to XXXX from jc penny credit card that a payment was made to jcpenney on XXXX XXXX and that no payment was reverse back to chase checking account. My minimum payment for this month is XXXX when it should be XXXX and this because jcpenney credit card has this month payment for XXXX dollars plus the missing payment for XXXX of XXXX plus the late fee of XXXX which totals to XXXX dollars. The month of XXXX was paid for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was approved for a forbearance and I was told it would cover all the time I was late. But it still shows on my credit report as late on both occasion that I was approved for an forbearance. I wrote to have them removed and I have still not heard anything from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Other fee

Complaint:
1. The Bank of America website has XXXX separate places where payments can be made. As a result, I mistakenly paid {$10000.00} XXXX on XXXX/XXXX/15. I attempted to fix this with BofA at that time but they told me they could not do anything about it. In the end, my credit union bounced the second {$10000.00} payment, which was reflected on the BofA website on XXXX XXXX ( along with a {$25.00} bounce fee, which I accept ). 
2. Throughout this period, the BofA website said that my payment due for XXXX/XXXX/15 was a NEGATIVE amount. Even after the {$10000.00} returned payment appeared on their website, the payment due never became a positive amount. In the end, I paid the {$34.00} indicated as the minimum payment on XXXX/XXXX/15. 
3. At which point, on XXXX/XXXX/15, I was charged {$53.00} for interest. On XXXX/XXXX/15, I was charged an additional {$87.00}. I expect to be charged further on XXXX/XXXX/15. 
4. I am attempting to pay the account down to XXXX to end these charges, but have not been able to do that yet. 
5. I ask that the interest charges be XXXX out. ( I will accept the {$25.00} charge for the initial check return, EVEN THOUGH this is due to the website indicating that I had not set up a payment when in fact I had. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened an account with XXXX after moving to a new address. At installation I was told that I had 60 days to cancel service if not satisfied. After receiving my first bill, I was charged for a premier package that I did not authorize and charged installation, and various other charges such as pay per view movies at XXXX each. I called XXXX IMMEDIATELY regarding these charges and was told that someone called in and made these changes which was not me or anyone in my household as nobody was home during the times they stated. I told them I was cancelling and they told me no problem they would zero out the {$620.00} bill. Well to no surprise after reading other peoples comments on XXXX XXXX page they did not do as they said. Seems to be quite an issue of them overcharging and saying oh well well send you to collections. I disputed the collection account with XXXX  which they did find fraudulent and was removed. XXXX  said the consumer disputed my dispute and was not removed and I just submitted the dispute to XXXX. I need to have this removed from my credit IMMEDIATELY before I have to involve an attorney for the company fraudulently using my social security number to try and overcharge me for something I did not consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive any notifications from this company or the right to dispute this false claim. I DO NOT OWE XXXX ANYTHING. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a number of student loans, and am on forbearance. I was basiclly bullied into it with constant phone calls as I was trying to make ends meet. I finally gave in. Now I have mounting interest. My eldest sister is also currently facing similar issues but XXXX XXXX now Navient is harassing me and calling me and bullying me to contact my sister to call them back. I have been told this is illegal and as a person who knows I will carry this debt with no hopes of owning a home or car, I can not continue to be harassed by a company when I am an honest tax payer and trying my best in a economy not doing well. I have over XXXX in student loan debt and I am paying for it emotionally and financially. It is a burden I feel that needs to be taken seriously but I am constantly overlooked as many people in my bracket. I will continue being a good and decent human being but I do not believe it is right to attack me over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX. As well as unauthorized hard inquiries that were reported as follows XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and 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 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 2022-09-12
Company: EQUIFAX, INC.
State: FL
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:
The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are XXXX  and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. XXXX XXXX proved themselves to be XXXX They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the XXXX gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! XXXX XXXX we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff XXXX XXXX XXXX and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: M&T BANK CORPORATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
As of approximately XX/XX/XXXX, I entered into a VA forbearance option with M & T bank due to financial difficulties caused by the XXXX pandemic. The Loan Servicer M & T bank accepted my request and outlined the process for the forbearance to include maximum duration of up to 1 year. The forbearance process also identified multiple paths to exit forbearance which were available to me as a home owner, one of which was called deferment. From M & T banks process definition, I would simply communicate my intentions to keep the property and resume regular payments before the 1 year period. Once I communicated my intentions, M & T would send new loan addendum paperwork requiring my signature. Once the new loan paperwork was received by M & T, loan payments would resume as normal and the balance of payments paused during the forbearance period would be allocated to the end of the loan period extending the length of the loan equal to the loan forbearance. 
On XXXX, XXXX I communicated to M & T to start the exit process for the forbearance and enter into regular payments which 1. ) allocated all payments paused during the deferment period to the end of the loan period and 2. ) allowed me to resume regular payments for the duration of loan period as normal. ( My forbearance period was from XX/XX/XXXX through XX/XX/XXXX where XX/XX/XXXX was the date I started making payments per direction from M & T bank ) On XX/XX/XXXX, M & T bank sent me multiple documents identifying the new terms of the loan according to the forbearance plan to sign and send back for recording. From XXXX, XXXX through XXXX, XXXX M & T bank sent multiple copies of identical loan documents which I identified and communicated as redundant in nature. Nonetheless, I signed and mailed said document ( s ) back to M & T with a final copy sent on XXXX, XXXX time frame. 
During the entire forbearance exit process starting XXXX, XXXX, M & T bank has verbally communicated they have a back log of loans transitioning out of forbearance into regular payment status and can not process my exit request. Ive resumed payments on-time in the full amount starting XXXX, XXXX to present ( XXXX, XXXX ) and are still unable to obtain regular account status with M & T bank. From XXXX, XXXX to present ( XXXX, XXXX ), M & T bank has kept me in a forbearance status equal to 8 months in duration. In total, my mortgage account has been in a forbearance or default state for almost 2 years. All payments paid to M & T bank from XXXX, XXXX to present have been deemed unallocated per M & T banks billing statements.

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 2021-10-28
Company: EQUIFAX, INC.
State: GA
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:
Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes ( over 10 ) to fix this and nothing happened, i asked for the accounts to be deleted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything from dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Not understanding the interest on the balance. The amount I have been told is not consistent and I have not seen a decrease. Loans have been deferred and in forbearance sold from XXXX to Navient now to Department of Education. I am now currently enrolled in IBR and public forgivness and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I went through a short sale process and was denied relocation assistance due to home appraisal saying that it was tenanat occupied and also a check mark saying I refused assistance. The question on the request for mortgage assistance was very vague. I was told that I could get assistance by phone but once the closing happened they refused. They continue to deny me the assistance even though I never saw any of paper work until after closing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase refuses to allow me to close my account. They want me to upload my state issued ID in order to close it, and I do not trust them with my personal info, as I received an email indicating my account may have been compromised. Instead of closing the account for me, they are holding it XXXX. They would not even let me donate the XXXX CENTS left in my account without uploading personal info. It's a way of keeping my account XXXX, and after speaking with their customer service, they refused to provide any further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: CA
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:
I submitted a dispute with Experian regarding an account that is not mine and it has been more than 60 days and not response what so ever. Experian disregarded the law by not responding to consumers disputes.

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 2016-06-30
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:
It seems like all of a sudden, Navient has raised my monthly federal student loan payment to {$620.00} instead of the income-driven amount of {$27.00}. Apparently, I need to renew my income-driven application, and when I go online to do so, I see that the income-driven choice requires me to continue making loan payments for 25 years. I have been under the impression since I went back to school in 2011 that student loans only have to be repaid for a maximum of 10 years. I am an XXXX and do not earn anywhere near enough income to make payments of {$620.00} a month. Now XXXX, I also have discovered that I am not likely to be hired for a high-paying job that would enable me to make those kinds of payments. Has the 10-year repayment policy changed? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am going through divorce, upon asking for bank accounts for my ex, I Found an application that he opened an account and added me to it and forged my signature, that was in 2013, just around the same time that wells Fargo had the big problem of opening accounts without consumer consent. 
I went to the branch, I verified that the box checked on the application means that I was not there. 
I brought it up to the bank, identity theft, fraud department, I was sent a notice that they dont consider it identity theft although it ruined my credit at that time.

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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are currently 3 accounts showing on my credit report that I have never opened. I am a victim of id thief I have a police and a ftc report on file with these companies yet they are still reporting inaccurate data about 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
Consumer complaint received 2016-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called to make a payment on my credit card while driving to work.I was using the hands free option on my cell phone and kept asking to speak to a representative. I got a customer service representative who was quite rude, refused to take my payment and transferred me to the fraud department. The fraud rep ( male ) also refused to take my payment, and, despite me verifying every piece of information on the account, stated that he would have to call me back to take my payment. I told him I did not want any inbound calls from them to my cell phone as I did not know them personally and to transfer me to someone who could process my payment. He transfered me to XXXX, who told me that because I volunteered the security information on the account I was suspect and she tehn refused to take my payment. At this point they had wasted 40 minutes of my day, deeply offended me by treating me like I was a criminal for trying to pay my bill, and refused my payment. XXXX also stated that she would call me and process the payment, again, I was clear in stating that they should not call me. As I was on hold for the 3rd or 4th time during the call, I reached my destination. I then hung up so that i could call back and make my payment through the automated system, as I could key in all the information. As I was doing this, XXXX chose to call my cell phone, despite my vehement directives previously that they were not to call my cell phone. After I processed the payment, I called in to the customer service department to make a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation