BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: SYNCHRONY FINANCIAL
State: MN
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:
In XX/XX/XXXX, I called and wrote re : disputed unauthorized charges/purchases and products not delivered to me on a PayPal Account w/Synchrony Bank XXXX The disputed charges were all found in my favor and account closed. In XX/XX/XXXX, I received another bill for the same charges. When I contacted PayPal, was told a new account was opened and the disputed charges were put back on the new account, which was not authorized by me. Again there was an investigation and that account was closed. I was told my credit score would be rectified. Again in XX/XX/XXXX, I received another bill from PayPal. The charges were again on another PayPal Account, which I did not open. I wrote and provided evidence for an investigation. I was not notified of the outcome. Instead in XX/XX/XXXX, I received another bill on a new unauthorized PayPal Account for the previously disputed charges from XXXX, with fees and interest. Within two days of receiving that statement there was a late payment credit report made by PayPal. I am beyond frustrated with this company!

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 2022-10-18
Company: Consumer Adjustment Company Incorporated
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail XXXX. 

While checking the above report, it came to my notice that your Company has furnished an account on my report. 


In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX XXXX XXXX, XXXX. 

All rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Loan was sold from XXXX XXXX to Nationstar in XXXX of 2014. Before the sale could be complete XXXX paid all property taxes that were past due and for the next XXXX month 's. This was not at the request of me. I had already worked with the city to make monthly payments to get my property taxes current within a 12 month time period. After Nationstar took over the loan they want one full year of escrow to catch up the payments. After 30 hours on the phone with Nationstar and XXXX we worked out an agreement to add it to the mortgage payment and pay this back over a 1 year time span. During the time I continued to make the mortgage payment for the amount I had always paid XXXX. Once this was agreed upon I started making payments for the new agreed upon amount. Seemed good for a minute but the phone calls kept coming and now they were stating we were 1 month behind. After reviewing the payment confirmation numbers with Nationstar we figured out that the last payment I made to XXXX should have went to Nationstar. I got Nationstar and XXXX on the phone together and got them to recognize this. But still the phone calls keep coming. I have confirmation numbers showing all payments have been made but everytime I talk to them the amount we are behind keeps getting larger.My mortgage payment is already 30 % largerthan it used to be and they still say we are behind but ca n't explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
On XXXX XXXX, I received a note on my front door by a Company identified as XXXX. The note said that they had identified my home as being abandoned even though I live there with my XXXX year old girl. The house has been foreclosed on and a Sheriff 's sale date is set for XXXX, XXXX, 2015. I immediately contacted XXXX and told them my home was not abandoned and they told me to contact the servicer who is Nationstar home Mortgage. I contacted Nationstar via email on XXXX XXXX via email and told them my home was not abandoned and to please not send anybody on to my property until the house was legally theirs. On XXXX XXXX, my daughter heard somebody trying to open the front door while I was in the kitchen making her lunch. I looked out the window and saw a gentleman walking around to the back of my house and began entering the back door. I stopped him in his tracks and he told me that he had permission from Nationstar to enter my home and that it was abandoned and that the locks had been changed. He showed me a set of keys that allegedly belonged to the " changed '' locks on my door. My house was not abandoned and Nationstar was notified 2 weeks prior. I have confirmation emails stating that they were told this. This is harassment and now my daughter is afraid to be in our home and I am afraid to leave my house. The man who attempted to enter my home was named XXXX XXXX and he works for XXXX in XXXX, WI. His phone number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for capital one credit card which offered XXXX XXXX XXXX XXXX XXXX on balance transfers. I was told I would have to wait XXXX XXXX from the date of application before I could do the balance transfer. When I called on the XXXX XXXX, it took an XXXX XXXX XXXX of talking with various agents and their supervisors before I got to know that they had a system issue. the supervisors kept repeating the same things again and again though I was asking different questions. Many times they did not let me finish what I was saying in their XXXX  of arrogance and defiance. Finally I was told to call the XXXX XXXX but the same thing happened again and I was still not able to do balance transfer. I asked if they could offer me some credit for the trouble but they said no. They also said no to reducing the balance transfer time or to checking with agents why they were rude to the customer. Overall it was a terrible experience and I would recommend people to avoid using capital one services, especially credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX, 2022-Received bank statement from Truist for an account I did not open. 

Contacted Truist fraud the following XXXXTalked to XXXX? XXXX? at Security and Claims and he stated he would do a fraud report and freeze account. 

Filed multiple reports with local police, FTC, etc. 

Received a response from XXXX XXXX in response to CFPB complaint. 

I have continued to receive statements and overdrawn balances which should not occur if an account is frozen/closed!!! 

Today, XX/XX/2022, Truist sent a letter stating they have closed the account and I owe them {$58.00} which includes a {$30.00} charge off fee. I have asked them repeatedly to close this account and they let it rack up another overdrawn charge the following month. 

I would like to make a complaint against Truist for collection tactics. This account " has now been sent to our department for collection. '' Called Fraud at Truist again today and XXXX??? stated that no fraud report had ever been filled out. She gave me a claim number today and said an investigation would take place. This company is shady and needs to be investigated. I couldn't even get in contact with anyone at their number listed online as it didn't recognize the account number. XXXX also said that even while it was being investigated, I would continue to receive letters asking for payment. How is this legal??? I never opened an account. They have no customer service help available. They aren't filing reports they state they are. Then they continue to harass people who aren't even customers.

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 2015-05-18
Company: NATIONSTAR MORTGAGE LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested cancellation of FHA monthly mortgage insurance premium ( MIP ) on my mortgage loan, which is serviced by Nationstar. Cancellation is required under the law, because I have met all of the requirements under the law and regulations applicable to my mortgage loan. On several different occasions, I contacted customer service and requested confirmation that MIP would be eliminated once the LTV was brought to below 78 %. Each time I was sent a " PMI Cancellation Request '' form that purported to require me to authorize Nationstar to order an appraisal on my behalf at my expense. I refuse to consent to such an appraisal being ordered, as it is not necessary under my loan program. The pertinent regulations require cancellation once the LTV has dropped below 78 % of the purchase price.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$3000.00}

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is XXXX XXXX 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 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 2015-05-18
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My reverse mortgage was transferred to Champion mortgage .  I received a letter from  Champion mortgage requesting payment as they are a  debt collector. I called  Champion  and they stated don't pay any  attention to the request.  If I don't answer the request within a short time frame I will lose any right to a rebuttal. I requested a E-mail stating  The wording in this case did not apply to me and I was told that would not be possible. I called XXXX more times talking to different people and as soon as they received my loan number I  was disconnected.  I have no one to talk to or a proper address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Central Portfolio Control Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
There is a medical collection on my credit report for {$1200.00} that has been re-opened by another collector XX/XX/2021. The collection fell off after it hit its 7 year mark however this year In XXXX it re-appeared and shows that I agreed to a 24 month payment plan. I did not agree to anything nor did anyone from their collection agency contact me or set up a payment plan to handle the dept. This collection has been on my account XXXX years as a mistake and each collection agency hasnt done anything to help negotiate or verify that it was in fact mine and the amount shown is accurate and matches the services I received from the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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 refer to ID Theft 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 explanation
Consumer complaint received 2021-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
bank America refuses to correct a online account that has my activities. From my EDD debit card .i was frauded last XXXX.I recieved a EDD card and I wanted to view my statements from XX/XX/XXXX when I recieved the card.But when I go to view my statement thenfraidstees user name is on my card account.ive spoke with supervisor from Bank of America she said she could fix it well as of XX/XX/XXXX the Fraudsters username is still in the account .Why? I dont want to be involved with the fraudsters The supervisor told me to use the fraudsters user name I refused to .and when I recieved my only card brand new it had XXXX dollars on it and deposits feom XX/XX/XXXX and a pln on it already.why? Also they mailed out 2 cards in XXXXof XXXX  to someone in my town and they refuse to tell me what adress .i filed anpolice report and told them it would help if we new the adress of the fraudsters.Bank said they could not release that info.I said it would mabey catch the fraudsters if I could give it to the police they refused..Why? The fraudsters got XXXX And IRS sent me 1099 forms saying I got that money and I did not.Why? I have disputed all transactoons and still waiting..Oh and my card has only the fraudsters deposits from XXXX of XXXX.Why? Help me please bank of America is out of control.and they should not be they have enough money to fix this problem of they want to because it is their fault not mine and the fraudsters adress needs to be told to the police so we can catch this guy.mabey thier are more than just me he frauded feauded.its lime they wont even call themselves to tell the cops were they sent the cards .its lime they dont want to catch the guy..Why

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 2022-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XX/XX/2015I would like to file a complaint against NationStar Mortgage. They refuse to consider modify loan, that I now believe was inappropriate to begin with. I have been trying to get this loan modified for several years. The only reason they will not even consider modifying the loan is because I am not delinquent. If I can not get any assistance, I will become delinquent. I do not want to ruin my credit or become delinquent on the debt. 
When I purchased my home as my primary residence, I was put into an interest only commercial loan by Aurora Mortgage ( now Nation Star ) for 80 % of the loan amount. The interest rate was XXXX. In addition, there was a XXXX mortgage with XXXX Mortgage at a rate of 7.5 %. In XXXX of this year my loan will change from Interest only to Principal and Interest. I will not be able to afford this loan. In fact, I know believe it was inappropriate to put me in a commercial loan for my primary residence, especially since I have excellent credit. I was sold on this loan not really knowing what and why? 
Over the past several years, I have attempted to get these loans modified. I was told several times that no one would talk to me because I was not delinquent. In addition, it seems I am not eligible for a XXXX because it 's a commercial loan. 
I have tried everything to avoid damaging my credit and losing the property. Since I could not get the loan modified or refinanced, a few years ago, I rented the property and moved with family. The rental income covers the interest only loans, but will not cover the principal and interest payment amounts. I continued to try to get the loan modified to no avail. It was my hope to modify the loans and return to my home. 
When the loan was approved, it was based upon my stellar credit and my household income including my income and the income of my husband. I was told I could refinance this loan. In trying to modify these loans, I have had nothing but trouble because I have never made a late payment. In addition, I am now going through a divorce and my household income is reduced, however, I maintain my stellar credit. I am unable to refinance the loans because the value of the property is less than the loan amount. This is my last effort to try and get some help to modify these loans. I am in a situation at this point that if this modification does n't happen I will be forced to walk away from the home completely and allow the property to go into foreclosure. I know I can pay the modified mortgage amount as agreed. 
I keep getting the run around by rude people that stops my process of saving this house. I would like to modify it so I can move back into my home. I need help, quickly and I am resorting to you as I do n't know what else to do. 
RespectfullyXXXX

Company response to consumer: Closed with explanation