BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-28
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
While I was in bankruptcy from XXXX to XXXX I had my Mortgage modified to 2 % and was making payments of XXXX. After some time NaitionStar bank pulled the modified terms claiming the the person who did it did not work there then they said she was not authorized. Clearly someone authorized it and the banks computer system was taking my modified payments. I ended up making several payments over XXXX during my bankruptcy. I ran into financial trouble and missed some payments and was under the impression that because I was in bankruptcy I was not required to make payments. When I tried to pick up on the payments I was told that was not enough. So since the terms and interest rate was changed for 2 % to 7.875 % there have been XXXX thousands of interest over charges and the told me I had to pay {$250000.00} when the principal balance is only XXXX At any rate I am going through another modification attempt to reduce the balance and make the payment amount 30 % of my current income. I have been granted a Trail payment plan for XXXX from XX/XX/XXXX to XX/XX/XXXX I have submitted all the required documentation to reapply for the FHA HAMP modification program. The websites states it could take up to 30 days for NationStar to process. However I was told by XXXX XXXX around XX/XX/XXXX that they will do nothing until all XXXX trail payments are made. He also told me the loan terms will stand as is and not change. So they have clear blatant disregard for the HAMP program and have no intention on modifying my loan terms as it could be under HAMP. 

Attached are approval letter for the Trail payment, screen shot showing they have all required docs for the modification, Mortgage statement showing a minimum payment over {$260000.00}, And a Nationstar screen shot showing the principal balance with the raised interest rate of 7.875 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2022-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I made an appointment with a cleaning service via their website for a 9 am cleaning appointment on XX/XX/XXXX. The total was {$320.00}. 

The next morning ( XX/XX/XXXX ) at XXXX XXXX, the company calls me to say they can not complete the service at the price their website charged me. I was told I need to pay a new amount 24 % higher than the original quote. The new price was $ XXXX. I said I could not afford that and was unable to move forward. I was then told that there is a cancellation fee for canceling within XXXX hours. I told them it was not within XXXX hours ( it was now XXXX XXXX  and the appointment was for XXXX XXXX  the next day ). He said it didnt matter, if I didnt pay him the new {$400.00} fee I would have to pay him the {$75.00} fee. He would not honor the service I originally purchased. We hung up.

30 mins later, once it was within the XXXX hour window I received a confirmation via email that my appointment was finally cancelled by the owner, the only person with access to cancel the appointment. I then received a receipt for {$75.00} cancellation fee via email. 

I disputed the transaction with Capital One as my request to cancel was clearly outside of the XXXX hour window. And the terms on the merchants website state only that cancellations must be requested more than XXXX hours in advance. It does not specify in the terms how those requests must be submitted. 

I lost my dispute with Capital One because ( XXXX ) I was informed about the cancellation fee, even though it didnt apply to my timeline and ( XXXX ) because my cancellation request needed to be made in writing according to the owner, although that is not stated in the terms. 

I am writing CFPB in the hopes that I can have the rules applied fairly to this purchase and dispute. There were no services rendered because the company would not honor the original purchase. They cancelled my online purchase for {$320.00}, replaced it with an authorized {$400.00} one and put me in the position to have to cancel that unauthorized choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

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 2023-08-06
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Was never notified about a switch to this company nor was I made aware of the illegal activities of XX/XX/XXXX. Because they have not held up their end of the contract that makes in void.

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 2023-07-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I opened my account with Truist bank, I tried to first do it online. It gave me a screen that the request could not go through and to come to a bank branch to open an account. I went to the bank in person and was helped to open an account online. I was first attracted to open the account due to an advertised banking bonus offer. After opening an account, the banking XXXX ( XXXX XXXX XXXX ) told me that I already had an account open the same day. So my attempt online was successful even though it never notified me that it went through online of gave me information on the account online. So it deceived me online and I never knew it was open. He closed the extraneous first account in the branch and told me it should not affect the bonus offer. 
I met the terms of the bonus offer- including the opening deposit and direct deposits, but it was never deposited. 
The banking offer eligibility website kept saying pending even after weeks and gave me no information on why eligibility review was pending. I called customer service at least 3 times and kept gettin a different response on my the bonus did not come through. The first 2 times it was that it took more time for it to some. The final time they told me to go into the branch to discuss. I went into my local branch twice but the bankers would not talk to me because I did not have an appointment but it does not allow you to make same day appointments. 
I am concerned about the deception with opening the account online and not notifying me it went through and was open and also with the not granting the bonus offer for opening the 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 monetary relief
Consumer complaint received 2023-08-06
Company: TrueAccord Corp.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It didnt give me the option on here for what the actual issue is. 

I asked TrueAccord to help me set up a payment plan without autopay.

Instead they set up a payment plan but didnt ask what worked for me and then made due dates that didnt work for me. I emailed asking them to help. Instead of contacting back they no longer have my accounts and I dont even know where they are who they are with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: PA
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:
Please help me. I have contacted Experian over 20 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Experian XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help 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 2022-02-08
Company: Experian Information Solutions 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:
Please block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING, and send the required notifications to all furnishers of this information I have not initiated any transaction with, that obtained your credit report ]. Further, under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ). 
As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees. 15 U.S.C. 1681n ( a ). 
Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
Fair Credit Reporting Act Section 605B

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 2016-03-28
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our primary residence home was foreclosed on last year by Nations star Mortgage. During this process we made heroic efforts to accomplish a short sale and thus mitigate the loss to the lender, with no cooperation at all from them. They took title to the property and sold it within a short period of time. We have subsequently received an IRS XXXX for {$410000.00} which amount represents the entire loan balance. We feel that this tax liability is is error, and they refuse to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: NY
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar perpetrated fraud in a foreclosure action against me, and they committed tax fraud. I consented to pay {$650000.00} which was the amount Nationstar last showed was my " unpaid balance '' but in court they slipped a different " Consent '' order that was inflated by more than {$350000.00}. 

Not only that, but Nationstar then send me a XXXX, cancellation of debt for {$80000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX To Whom It May Concern : I am writing to dispute the accuracy of information on my student loan account. According to my records, there is an error on my account that I would like to have corrected. 
I have attached copies of my loan statements and other relevant documentation that support my claim. 
I have already contacted my loan servicer DPT ED/ AIDV to attempt to resolve this matter, but have been unsuccessful. I am now seeking your assistance in correcting this error and ensuring that my credit report reflects accurate information. 
I request that you investigate this matter and take appropriate action to correct any inaccuracies. I also request that you inform me in writing of the results of your investigation. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: TX
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:
In XX/XX/XXXX, I submitted validation letters to the credit bureaus for a XXXX XXXX account that was reporting on my credit report and does not belong to me. In XX/XX/XXXX, I received a letter from Experian, XXXX, or XXXX stating that the account was " verified '', but did not forward any documents proving the validity of the account belonging to me. I then forwarded a second notice validation dispute letter in XX/XX/XXXX, in which I did not receive a response back from either bureau. In XX/XX/XXXX, I submitted another validation dispute letter and received a message through the Experian app, which I did not authorize for electronic results, stating that the XXXX account has been " updated ''. I have not received any validation of the account. This action performed by the credit bureaus has caused me great financial harm due to unverified and invalidated accounts.

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 2023-02-02
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I bought an American Express prepaid gift card in XX/XX/2021, it has {$500.00}. I spent {$490.00} on a XXXX website. XXXX deducted a pre-authorization of {$0.00}, and these orders were canceled by the merchants. The money was returned to my card. Due to XXXXXXXX XXXX, I need to go XXXX  for a period of time and can not use this gift card. In order to prevent it from being stolen, I called a customer service representative and left my information to lock the card. When I came back from work, I couldnt find where is the card. I only left the number of the card in my mobile phone. I called the customer service and provided the personal information I left at that time, and apply to unlock my card, but Instead they asked me for the serial number of the card, I was never told to keep this serial number, just have the correct card number date and security code to use, no one told me to provide this serial number, I provided all the information I gave to the customer rep they couldn't help me, it shocked me, AmEx is a big company, how can they be so rude to take money from customers? it's really shocking to embezzle money in such a way, my card I can provide information but can't re-unlock my card, this is hard for me to accept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/XXXX I took out an escrow loan in amount of {$98000.00} originated from Huntington Bank to rehab my home at a low interest rate. The organization " XXXX XXXX XXXX XXXX XXXX '' was Non-Profit. Huntington Bank partnered with to get work completed. I Only used {$62000.00} after work completed. {$32000.00} left over was never credited back to my original loan. Huntington Bank has been forcing me under Threat of Foreclosure, To pay ALL this time to date XX/XX/XXXX Mortgage money I Never borrowed or used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: MO
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:
XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 30 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX Date of Last Activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX XXXX XXXX XXXX Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections.

Thank you,

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 2023-11-29
Company: EQUIFAX, INC.
State: FL
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. As a result of this data breach, on XX/XX/2023 XXXX XXXXXXXX XXXX XXXXXXXX had pulled a hard inquiry on my Equifax credit report without my authorization. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal XXXX XXXX XXXX XXXXXXXX hard inquiry from my Equifax credit report. I have submitted at least 4 disputes with Equifax pertaining to this illegal unauthorized XXXX XXXX XXXX XXXX hard inquiry and Equifax have not done a THOROUGH INVESTIGATION and Equifax have not contacted XXXX XXXX XXXX XXXXXXXX about this hard inquiry so that it can be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: NATIONSTAR MORTGAGE LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
About one year ago my mortgage company increased my payment by about {$280.00}. I was paying {$610.00} and have been paying {$890.00}. They claimed that my property taxes had increased and that was the reason for the payment increase. I went down to the tax accessor 's office and they said that my taxes had not increased, in addition my taxes are reduced even further because I am XXXX so I receive a tax reduction from the county which I complete that paperwork every year. In addition, my homeowners insurance had not increased, therefore my mortgage payment should not have increased. What they are doing is illegal and violates RESPA. They have failed to resolve this matter or give me a reasonable explanation why they are continuing to charge me this increased erroneous amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation