BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Do to my family being financially/ medically negatively impacted do to Covid-19 We requested a forbearance on XX/XX/XXXX. We were told are forbearance would end XX/XX/XXXX. We have called and ask if we can extend our forbearance out since our loan is XXXX  XXXX. We are told XXXX XXXX never noticed our Mortgage company that we are eligible for an additional two 90 day extensions totaling 18 month forbearance. 
Our mortgage company is telling us that's not true and is not extending our forbearance. 
We have emailed our point of contact and no one has returned our emails. We have called and we have been told to call back XX/XX/XXXX. We are afraid to wait to have our forbearance extended to close to the end date. We requested our current behind payments be deferred when our forbearance ihas ended regardless when it ends. We were told a deferment was not an option on our account. We needed to pay whats past do in full, apply for a repayment program were our only options! 
We are asking for our account to be evaluated for any additional qualified forbearance terms and asking that our behind payments be deferred. 

Thank you XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have had nothing but problems with Nationstar Mortgage. They have inappropriately initiated foreclosure on our property twice, are never reachable by telephone nor do they return calls, e-mails or messages sent via their website. Payments were refused and returned to my bank by Nationstar Mortgage despite the fact that our modification paperwork had been approved, then we are told that something was missing and it is denied without notification to us. It took me filing a complaint with the BBB to get a phone call ( just before the BBB deadline to reply ). The person I spoke with said our modification documents did not have the notary seal on th em ... Yes, they sure did. Said the y would have our documents pulled and review to see if the seal was on them and call me back. Took me several more phone calls and messages over several weeks to get a response and finally I received a voice mail that the documents were pulled and that they did indeed locate the notary seal and that they would see what they could do to " push '' the modification through. I received a call stating  that 4100+ ( n ot the exact amount ) was required to bring us current through  XXXX  and they could then book the modification. I sent in  XXXX  and it appears the payments were all posted as separate monthly mortgage payments made on the same date in  XXXX    XXXX   so it does lead me to believe that th ey may finally  be getting our mortgage modification booked as they said they would. I do not believe we should be responsible for the interest that could have been saved had our payments posted and not been returned/refuse d by Nationstar when  we made them in  XXXX ,  XXXX  and  XXXX    XXXX  . They have also tacked on legal fees that should not be our responsibility. I am a nurse and am a pretty understanding person. I am not a sue happy person, however this company is really doing society wrong. If I could afford a lawyer, I am 99 % confident that I would own my home without any further mortgage payments ... in fact Nationstar would probably end up owing me ( along with many other customers they have ).   Today when I logged on to Nationstar 's website, I noticed that a sample statement which is supposed to explain to customers how to read their statement has an actual property address listed. When I looked up the property address via google, it is currently for sale and given the list price, the payment amounts on Nationstar 's " sample '' statement could certainly be realistic. Given all of the errors Nationstar has made with our account and apparently many other customers based on BBB reviews and google searches, I truly have to believe that this " sample may really contain actual payment/late payment information about the actual property address listed below the amount due.   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am filing a formal complaint against Wells Fargo Bank for improperly protecting my accounts from fraudulent debit card transactions and then attempting to accuse me of the fraudulent transactions in order to avoid covering the lost funds caused by their negligence. 

On XX/XX/2019 I opened a checking account with Wells Fargo in order to deposit funds that were raised as part of an effort to produce an independent film for which I had developed the screenplay. Through XXXX XXXX we were successful in raising {$5200.00}. A portion of that money was directly deposited to the new Wells Fargo account. 

In the interim, Wells Fargo mailed a new debit card to my address as well as a PIN code in a separate mailing. Both were stolen from the US Mail and the access was used to take cash as well as purchase items from XXXX and others. I only detected this fraud when I logged on to deposit additional funds on XX/XX/XXXX raised through another investor. I reported fraudulent activity to Wells ( Claim # XXXX ) and to the XXXX XXXX XXXX Police ( case # XXXX XXXX Precinct, overseen by Detective XXXX XXXX ). 

The initial response from Wells Fargo was that the issue would be corrected in 10 days and funds replaced. Not hearing anything further I contacted Wells to understand the delay and was informed that they had no intention of refunding the money and then falsely accused me of either taking the funds myself or sharing the information with another to take the funds. Neither of which is true.

According to Wells Fargo, they consider the matter closed. As such I am formally filing this complaint in order to be reimbursed by Wells Fargo for their negligence and inadequate delivery and/or security measures for delivering a new Debit card in an urban area. 

I would like to discuss this further and understand my protections in such a situation and what the State of New York can do to protect me from the flawed practices of Wells Fargo. Please feel free to contact me at 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 2023-08-29
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
First I want to thank you for retrieving {$110000.00}. of my money. But the full amount was {$120000.00}. The did apply {$5.00} interest from XX/XX/2023 until XX/XX/2023. Id like to know where the other {$10000.00}. is.

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 2021-07-24
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was told that I was approved for a certain amount but that I would need to put down a large down payment so I gave them a {$3000.00} down payment and the finance guy said I would need to buy a {$3500.00} warranty so that the bank would be more comfortable financing me because they know their asset is protected and just in case my car needs repairs it would be covered. But I just read 15 U.S. Code 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Netspend Corporation
State: AZ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Denied access to my account beginning in XXXX of 2023. I have sent several documents repeatedly, drivers license, ssi card, tax forms, vehicle registration, vehicle insurance, ect. All have been deemed insuficient to verified my identification. I have been ignored, hung up on, denied access to a supervisor, and left on hold for hours in my 50+ attempts to fix this problem with no success. I moved to XXXX from XXXX  in XXXX of 2023 NETSPEND ALLXXXX XXXX  XXXX Address unknown

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 2017-04-20
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage was recently transferred from   XXXX   XXXX   to  XXXX   XXXX  Mortgage. I was told that starting  XXXX   XXXX  I was to set up an account to have my  XXXX  payments deducted.  XXXX  was no longer managing payments. I c alled Nation Star and  they said a packet would be sent by  XXXX . If I did not receive it by that time to call. I did not receive it by  XXXX  and I called in. The rep gave me my new loan #. I set up an account on  XXXX  my money was taken out. Then on  XXXX  another payment was taken out.   On  XXXX   XXXX , I called to find out wh y two pay ments were taken out the representative (  XXXX   XXXX   ) w ho gave me her phone number  XXXX   XXXX   XXXX   XXXX , told me that  XXXX   may  have taken it out as well. I confirmed that my account with  XXXX  was closed. The representative and I placed a conference call with  XXXX   XXXX   XXXX    XXXX     ( Spo ke with  XXXX ,  XXXX   XXXX   XXXX   Representative  ). He confi rmed all my payments were made until  XXXX . They did not take out  XXXX . I was issued a credit to my account. I went online to check the next day and there was a pending payment for  XXXX  still in my account. On  XXXX   XXXX ,  Nation Star too k out the amount again. I placed another call  to Nation Star about this and was told after 45 minutes that a manager named was informed and I would have the money refunded within 48 hours. That has not happened. Also, every representative I spoke with at Nation Star gave me their phone numbers but stated they usually can n ot be reached on these numbers. I tried to reach  XXXX  and phone rang o ver ten times. I trie d her phone number many times throughout the week and the phone just rang. I do not understand why no one can direct me to a phone number where calls can be returned. I find this highly unprofessional. Also anytime I asked a representative why this was happening with the payments they could not tell me. They also were unaware of the transfer issues. It seems that no training has happened to assist your representatives on how to handle these situations, which I find very disheartening. I do not have the time to spend on the phone at work or to have double payments taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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 XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-09-02
Company: OneMain Finance Corporation
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are reports on my credit report that were not made or authorized by me. 
On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted XXXX XXXX. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX-One Main FinanciaXXXX XXXX XXXX XXXXXXXX XXXX IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: SILVERGATE CAPITAL CORPORATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 I did a bank wire transfer on {$19000.00} for the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX motor home. The seller was XXXX XXXX from XXXX, CO. The motor home was advertised on XXXX XXXX and XXXX. Her XXXX user ID is XXXX. I purchased the motor home off of XXXX. The money was wired to Silvergate Bank, XXXX  XXXX, CAXXXX XXXX XXXX XXXX XXXXXXXX. Beneficiary name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I contacted XXXX and they had no record of my purchase. The XXXX page I was forwarded to looked exactly like XXXX, with purchase confirmation number and tracking. My {$19000.00} is gone! I am XXXX XXXX XXXX and need help getting my money back! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was automatically enrolled in the XXXX repayment plan. My understanding is the repayment amount should be lower than my former payment amount under REPAYE. However, the proposed payment under XXXX is about {$100.00} more than my prior repayment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX  : {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX DEALERSHIP - CHECKED MY CREDIT WITHOUT MY FULL KNOWLEDGE OR CONSENT. I CAME TO PURCHASE A VEHICLE AND ALREADY HAD AN AUTO LOAN APPROVAL FROM MY PERSONAL CREDIT UNION BANK SO THERE WAS NO NEED FOR THEM TO RUN MY CREDIT REPORT. THEY ALERADY KNEW ABOUT MY CREDIT UNION APPROVAL IN THE BEGINNING STAGES. I EXPRESSED TO THEM THAT I DO NOT NEED MY CREDIT REPORT CHECKED. FINANCE REP TALKED TO MY BANK AND CONFIRMED MY APPROVAL. 
2 INQUIRY 'S 1. XXXXXXXX XXXX XXXXXX/XX/2021 2. FIFTH THIRD XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 US 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 absolutely can not furnish an 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 2022-11-17
Company: Grain Technology, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to contact Grain XXXX  since last XXXX  XX/XX/XXXX to change my bank account to make a payment. The bank account listed in my account is closed. There is no option to change payment information and I was directed to the contact us page. I also attempted to call and there is no option to speak to a live person. The recording also directed me back to the help/contact us page to make a request to customer service. I submitted another request on XX/XX/XXXX and again on XX/XX/XXXX. I have yet to hear from anyone other than an automated e-mail stating my request was received. On XX/XX/XXXX I received an email from Grain XXXX stating my account payment was 1 day past due. On XX/XX/XXXX I received another email stating my account payment is now 15 days past due. I am trying to build credit and have tried my best to reach Grain to no avail. If time moves from 1 to 15 days in 3 days I am afraid I will receive a mark on my credit soon. There is no excuse for a modern credit card company to have XXXX payment function other than what you initially put in. There is also no excuse for no live customer service! Not even an online chat!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: EQUIFAX, INC.
State: OR
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:
There are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. 

A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX  by damaging their credit excessively. 

I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: TX
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:
Someone opened the following credit card accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all without my knowledge. I have called these banks several times but they did nothing about it. 

Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them

Company response to consumer: Closed with explanation