BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has had numerous issues with their website since we have been transferred to them for loan servicing. I most recently tried to cancel a payment on their website by clicking the cancel button immediately after submitting the payment. The cancel button did not do anything. I tried calling but their systems were down every time I called and they were unable to access my information. I asked them to cancel that payment via secure message. Instead, they assessed a {$30.00} fee. After numerous phone calls with incompetent customer service and people who say they are supervisors, they refuse to remove the fee that was caused by their website error glitch. They are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-06-17
Company: EQUIFAX, 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  Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Follow feedback that I was not allowed to post with SPS due to CLOSED STATUS of initial complaint of response dated bellow ....
I will start my feedback by quoting that SPS states in its letter dated XX/XX/XXXX, under the Origination section : In your inquiry, you question several issues relating to the origination of the loan. While SPS services this account on behalf of the Note holder, we did not take part in its origination and we are unable to respond to the issues raised relating to the origination of the loan.
But SPS is doing just that. By accusing me of being late before I even made my first payment with them. I am not beginning with a " clean or new slate '' but forcibly picking up where XXXX erroneously placed me.
In this same letter SPS states that " I was given an introductory phone call ''. I was not. I called SPS because I looked at the reviews online and knew I better not wait for any information. I THEN CALLED SPS to get my account number to make the first payment and did so.
Lastly, this letter states erroneously that I did not pay my XX/XX/XXXXbill but then stated that my initial payment with them will be used as the XX/XX/XXXX payment.
But SPS did not regard the 3 payments that were made : One on XX/XX/XXXX through XXXX XXXX to XXXX with a fee One on XX/XX/XXXX through XXXX XXXX XXXX XXXX to SPS with a fee.
One on XX/XX/XXXX through XXXX XXXX XXXX XXXX to SPS with a fee.
I am left to believe, as I have eagerly paid SPS without fail that they are intentionally following the same chain of errors as XXXX.
Not only have I INITIATED and followed through with every payment to SPS but have sent these payments to them throught XXXX XXXX by XXXX XXXX and paying all fees associated with the most efficient, direct, and fastest form of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am being asked to verify my account using 10+ year old phone numbers that I no longer have access to. I have money in my account I need to pay bills THIS WEEK. However, they are trying to force me to wait 7-10 days for a letter to verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, NA Account # 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 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 called Transunion on XX/XX/XXXX at XXXX to dispute XXXX hard inquiries that were removed summer XX/XX/XXXXand early XX/XX/XXXX due to a glitch in their system. Transunion illegally re-added them back because I never received written notice 5 days before Transunion reinserted them. Although Transunion acknowledge it was a glitch, the Rep XXXX only agreed to deleted the XX/XX/XXXX XXXX XXXX Inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I bought my home on XX/XX/XXXXand i got Home owners insurance trhough XXXX XXXX which will be need to be renewed on XX/XX/XXXX. On XX/XX/XXXX I notified XXXX XXXX that i no longer will need the services for XX/XX/XXXX-XX/XX/XXXX. I got a new insurance company. yesterday i received a collection notice from credit collection services that i need to pay {$54.00} that i owe to XXXX XXXX i feel that XXXX XXXX have not honor me my cancelation notification 60 days prior to XX/XX/XXXX BECAUSE I WAS NOT RENEWING CONTRACT WITH THEM ANYMORE.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX License Number : XXXX XXXX ( Office ) XXXX ( Fax ) XXXX XXXX XXXX XXXX NOT A PROFESSIONAL PERSON TO DEAL WITH

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX 2017 I bought a gold chain from XXXX XXXX. It had a bad clasp so I returned it by the end of XX/XX/XXXX. Apparently I had to pay {$35.00}, {$8.00} for shipping ( was not refunded ), I did n't get a statement in XX/XX/XXXX, in XX/XX/XXXX they said I owed {$35.00}, and I called their XXXX number to find out why.
They informed me I had a {$25.00} late fee for not paying the shipping charge, and I told them I had n't received a bill. They also had reported me as late to the credit bureau 's. This took my high credit rating down to the low XXXX 's.
They took the {$25.00} late fee off, but did n't notify the Credit Bureau 's. This is the 2nd time I have had trouble with XXXX XXXX. I will not use them again. Apparently I had to pay {$10.00} to close the account, ( paid in full ).
I should have been credited for the shipping also, since it had a bad clasp

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
OnXX/XX/XXXXXXXX XXXX  ran y credit with y knowing and permission and they answered claimging to find out where I work and live Can they run your credit to find out Information just because they want to when they can just call you and get it Transuniom is reporting this knowing that they are doing this illegally

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 2018-10-26
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had a Discover credit card for years. I saved this card for emergencies. Imagine my surprise when I tried to use it and couldn't. I contacted the company and was told it was cancelled for inactivity! No balance was owed, nor late payments made. Just because I had not used it they closed my account and I have to repeat the application process to get a new card. Ridiculous!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX is reporting a 30 day late payment from XX/XX/2016. The creditor previously removed it as per a prior complaint made with CFPB. The creditor reopened the account and is reporting the same XX/XX/2016, 30 day late payment.

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 2018-10-26
Company: EQUIFAX, INC.
State: CA
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 have disputed the late payment status reported on the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2020-11-19
Company: Bayside Capital Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$2500.00} written off. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$2600.00} Highest Balance {$0.00} Terms 47 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Called my wife 's work phone, said they were the law firm, MBA law, started asking for personal information and would not tell me what this matter was pertaining to. When I told them I would not be answering any questions until they told me what this was about, they got off the phone. These are unethical tactics and should be treated as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX Account # 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX Account # 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 2022-06-17
Company: EQUIFAX, INC.
State: OH
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, XXXX Account # 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 2022-06-17
Company: Oliver Adjustment Co.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX OLIVER ADJUS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious OLIVER ADJUS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of XX/XX/XXXXStop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXX/XX/XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureau is reporting paying my credit card balance down as a negative when I 'm trying to raise my credit score this company is reporting it as a negative and my score has decreased instead of increasing.

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 2023-03-31
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX chime closed my account would not give me a answer or call I called them and they had no no answer they said my account wouldnt comply with theyre policy after sending all the information and documents they asked I still had no answer and they charged me back and closed my account and blocked my phone number to reach a live agent as I provided all the information I felt like I wasnt personally helped it was all automated messages even when closing my account for a reason the cant tell me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The MARCUS Application on my XXXX was showing an incorrect balance and added CD 's to my balance that were already closed ... .I only found out because I was going to close the CD 's and the application said there were " technical difficulties ''. 
I called MARCUS and spoke to a supervisor. His computer showed a different balance than my XXXX app... .a very significant difference! Also, his computer showed 2 CD 's had been closed in XX/XX/2022 ... .but this did not show up on my MARCUS XXXX app. 
He suggested originally suggested I delete the application then re-load it ... .but I did not ... .I just don't understand why I can sign in and log out of the MARCUS XXXX app and get entirely different accounting from what MARCUS has !

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I applied for a loan with Chase to refinance. The process was slow, lack of communication, lack of reaching back on a timely manner which caused delays upon delays which resulted in certain documents expiring. 

I would communicate on a timely manner on documents they would request for over and over again ( even thought I had provided such documents ). Frustration developed and it appeared to me that they did not want for me to refinance. I have excellent credit score and never have I missed a mortgage payment. I invested time and money on the refinance process. I felt they were disrespectful on how they handled the loan process. 

I informed them that I would file a complaint. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation