BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Beginning in XXXX, we recognized an issue with our retirement income and medical bills and realized it would affect our ability to pay our mortgage serviced by SPS. We immediately reached out and were initially told that since we were not behind in payments, no modifications were available. Once we were a month behind, we began to send in required documents to see what we qualified for. This had to be done several times. After several months we were told we could still not get a modification as they did not offer those. Instead, a repayment plan at a different monthly rate of double our mortgage payment was offered. We were told that if we did not sign the repayment plan that foreclosure would immediately commence. We were able to borrow the money to catch up and were initially told that we still needed to sign the repayment plan. We did not as that was no longer applicable. We tried immediately to work with servicer to prevent this issue from reoccuring and were once again told that since we were not presently behind, nothing could be done. Beginning in XXXX, I reached out again for a modification. Submitted documents. Was again told that modifications are not available and to pay past due or foreclosure proceedings would begin XX/XX/2023. I was informed of an SPS webinar that I should register for. I registered and attended the webinar on XX/XX/2023. It was regarding a XXXX XXXX settlement and options for home retention. The webinar essentially told the attendees to call customer service. Questions were allowed to be typed in and I asked if modifications were available. I was told to call customer service. I have made clear to SPS that I wish to keep my home of 50 years and have tried diligently to take a proactive approach. SPS 's response has been vague at best. When I am current, there is no help available. When I am behind I am told to immediately repay the amount or double my payment. I have established retirement income and have made the attempt to simply communicate with the servicer in a way that is beneficial to both parties. The information I am given is either non-existent, non-applicable, or misleading. I simply wish to speak with the servicer about a modification that they state in every document is available and instead of having me submit the same documentation three times and then tell me they do not offer modifications, to constructively attempt to offer something they say they offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: NATIONSTAR MORTGAGE LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good Evening My mortgage is with NationStar Mortgage located in XXXX Texas. I have always paid my property taxes on my own, and then all of a sudden NationStar decided to create an escrow account and wants to charge me another XXXX dollars a month ( completely unacceptable ). I have called and sent them numerous secure messages, but they are giving me the runaround. As you can imagine, this is hurting my credit severely and I need your help resolving this issue ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After my divorce in XXXX I purchased a house for approximately {$450000.00}. As a single mom with no child support or alimony, I was soon unable to make my monthly payments. I ultimately deeded the house in lieu of foreclosure to Nationstar during XXXX, XXXX. At that time the mortgage was {$340000.00}. I received a XXXX in XXXX, XXXX for the XXXX tax year indicating that the fair market value of the property was {$360000.00}. The Commonwealth of Massachusetts considers cacelled debt as income. Even though I gave Nationstar my home in exchange for cancelling the mortgaged, I 'm being taxed on {$340000.00} as income, and have to come up with over {$18000.00}. I am a single mom with XXXX kids in college and rent my home. I 've called Nationstar approximately 7 times during the past 3 weeks, and have emailed them. I 've asked them, in accordance with my accountant 's recommendation, to issue a corrected XXXX. They do not respond to my messages. This is an enormous financial burden and causing terrible XXXX for me and my children. I 'm concerned about Nationstar 's apparent disregard for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: LendingPoint Holdings LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Account Name : XXXX XXXX Creditor : LendingPoint Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXXXXX XXXX XXXX Apartment 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 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 2022-02-07
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is 2nd complaint about the our loan servicer Specialized Loan Servicing ( SLS ). 
First complaint : XXXX submitted on XX/XX/XXXX. SLS responded and the complaint was closed on XX/XX/XXXX. But our account is still incorrect! Our account was transferred to SLS effective XX/XX/XXXX. SLS issued billing statements dated XX/XX/XXXX and XX/XX/XXXX that were incorrect. After multiple calls to customer service with no resolution, I filed a CFPB complaint. In its response on XX/XX/XXXX SLS stated they contacted the previous servicer XXXX to verify we were paid through XX/XX/XXXX and corrected our account to reflect payments of {$440.00} for XX/XX/XXXX and {$440.00} for XX/XX/XXXX. The response stated our account was due for XX/XX/XXXX contractual monthly payment. Our monthly payment is {$440.00}. But when I called on XX/XX/XXXX to make that payment, the customer service agent said the account was due for {$760.00}. That is incorrect! The customer service agent was unable to explain the discrepancy of {$320.00}. Then she said it was an administrative billing fee for the type of loan you have and said it was a separate issue from our prior complaint. That makes no sense! We never paid such a fee with the previous servicer. This is a HELOC that was termed out around 7 years ago. Furthermore, SLS has never detailed an administrative fee on any of the billing statements we received since the loan was transferred and such a fee was NEVER mentioned in the previous MULTIPLE phone calls I made trying to resolve the errors on our account. Now they are trying to cheat us out of {$320.00}. So I made payment of {$440.00} to cover our XX/XX/XXXX contractual monthly payment and I disputed the {$320.00}. The customer service agent and said a dispute/research request was submitted and suggested I call back next week to follow up. This is is the same runaround I went through before. Its been over 2 months since our account was transferred to SLS. I have spent hours of my time trying to get our account corrected and it is still wrong! I have made all contractual monthly payments through XX/XX/XXXX. The incompetence of SLS in onboarding our account is unacceptable!

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 2022-10-08
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 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 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late 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 non-monetary relief
Consumer complaint received 2023-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, I applied for a Capital One creditcard back on XX/XX/2023 acct number XXXX and I was denied, but upon further investigastion Ive found a mistake. 
Regardless of the reason of my denial, I have a right to credit, and withholding my access to my securities is securities fraud. You are violating The Equals Credit Opportunity Act, and The Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a citi accelerate savings account. I have called more than 10 times to have them withdraw/ close my account. They have cited multiple technical issues over the phone. The website has given me the same error when trying to withdraw. I have more than {$2000.00} locked up now and they are not helping me to withdraw or close my account.

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 2023-08-21
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a PayPal credit account and I am being overcharged. Every month I have paid all standard purchases made along with a portion of payment towards any promotional balances. I have always paid the minimum amount or more to avoid any fees for standard purchases and promotional balances that are expiring. I have not made any purchases for months and months on the account. I have 1 promotional balance remaining of XXXX and yet PayPal -synchrony bank is charging me XXXX to pay off my account in full. I have tried to resolve this issue for over 2 months. The initial representative tried saying I had a standard balance owed but after reviewing the account agreed that I have paid those charges each month and more. She stated my balance should be corrected and was being sent to the resolution department. I waited with no contact back. Called and was told to allow 2 billing cycles which it has been. I tried online chat who gave me run around and the wrong number to even call for help. Today I demanded a supervisor. I was placed on forever hold for 30 minutes and an 'account manager ' tried giving me the run around. I demanded a supervisor..she claimed a request for a call back was submitted and to allow 7 days! The selection I made on this site doesn't fit my issue specifically. I'm going to be writing a letter as well. The account manager was not helpful at all!

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting 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 : Re : Non-compliance with Rule XXXX. Requirement of the Original Upon reviewing my consumer report, I discovered Transunion, LLC and several creditors are violating several laws. According to rule XXXX, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the companies listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. 

The listed institutions mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. 


Thank you in advance. 











Transunion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was added to a group called XXXX XXXX XXXX on XXXX on XX/XX/XXXX. In the group, the leader XXXX would share news about the cryptocurrency market and share a daily trade to make on the platform. He would tell what token to use, trading direction, margin and multiplier to use. Then he would tell you when to close the trade on the platform. This continued almost every day and after following for a couple of weeks I decided to try the trades so on XX/XX/XXXX I transferred {$1000.00} into XXXX and then to CXIPro to trade on XX/XX/XXXX. I traded for 4 days in a row and then on XX/XX/XXXX during the trade I lost my money and they said it was because I used too high of a margin. They asked to transfer more money in and throughout the process I did transfer {$11000.00} on XX/XX/XXXX, {$10000.00} on XX/XX/XXXX, and {$100000.00} on XX/XX/XXXX. I ended up losing my money again on XX/XX/XXXX. I was obviously upset and decided not to invest anymore but XXXX kept contacting me and told me she would guarantee I wouldnt lose if I followed the trades exactly and if I did lose then she would replace my money. I ended up investing {$100000.00} on XX/XX/XXXX and {$25000.00} on XX/XX/XXXX. On XX/XX/XXXX after following a trade exactly, the account value was again lost. When I reached out to XXXX to let her know, she tried to make excuses and avoided the question of replacing my funds. After several attempts by me to contact her, she didnt respond but instead removed me from the trading group. 

Event timeline DESCRIPTION DATE First date of Transaction XX/XX/XXXX Last date of Transaction XX/XX/XXXX INCIDENT INFORMATION Trading Platform Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lost cryptocurrency Approx. XXXX XXXX Lost amount USD {$240000.00} Total lost approximately {$310000.00} I hired XXXX XXXX XX/XX/XXXX to help track where the funds went after being removed from my wallet. 

Their crypto-forensic investigations tracing solution is also used by law enforcement to investigate suspects of cyber-crime in the crypto economy and track stolen funds. They track specific crypto addresses, transactions, and entities, and investigate links to real-world bad actors. XXXX XXXX crypto forensics investigators are savvy at scrupulously tracing and mapping activity on blockchains and figuring out where the money is located. They have tracked the money to current wallets which I can provide to you if you can help ask for the XXXX information of those wallets and help recover the money or put a stop to this scam. The wallets are in coinbase, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
fell behind on car note couple of months ago. Have been paying on time payments to this account for almost two years. I've had my checking account linked to this account for all this time. When I got behind, they said the account was not linked. I reverified the account by them sending text messages and email codes to my devices. Then it says this checking account is already linked but will not allow me to make the payment by not showing the supposed linked checking account. They bill on their website showing XXXX and XXXX is not done and XXXX has not come in misleadingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My current mortgage loan servicer, Nationstar Mortgage, illegally and/or erroneously reported to the national credit bureaus in XXXX XXXX that my current mortgage is {$34000.00} past due. This amount they reported includes {$32000.00} of deferred principal that is not due/payable until the loan matures in XXXX/XXXX/XXXX. This deferred principal of {$32000.00} was granted in my mortgage loan modification with XXXX XXXX effective XXXX XXXX, XXXX. This fact of {$32000.00} deferred principal, which is not currently due or past due, is stated in the attached HAMA Loan Modification Agreement under item XXXX on page XXXX XXXX. This illegal reporting caused my current credit union provider, XXXX XXXX XXXX, to deny my application for a {$25000.00} car loan in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: NATIONSTAR MORTGAGE LLC
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I faxed tax exemption paperwork ( veteran credit of {$300.00} for the year ) from the XXXX, NH town hall with selectmen signatures and state seal and approval from the state of New Hampshire to Nationstar on XXXX XXXX. I instructed them to speak with XXXX from the XXXX, NH town hall who is in charge of the XXXX, NH taxes. They told me it would take about XXXX business days to look over paperwork. Nationstar will not recognize the credit as they said they reached out the town hall and Nationstar said there is no credit on my account per XXXX. I do not think they called the correct town hall, as I told them to speak with XXXX. I then called the XXXX, NH town hall and XXXX from the XXXX, NH town hall verified that I have had the credit on my account since XXXX XXXX, 2016! So, Nationstar is overcharging me for escrow by {$300.00} since they are not doing their jobs properly. I have called Nationstar over 7 times and it seems that I am dealing with escrow customer service and managers that just do not want to look into the matter. I am very confused with the fact I submitted the appropriate paperwork and they do not want to recognize, this is illegal on their part.

Company response to consumer: Closed with explanation