BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My reverse mortgage was sold by Champion Mortgage to XXXX XXXX XXXX, a contractor for the US Department of Housing and Urban Development.
During this transition, my house was flooded in the Louisiana flood of XX/XX/XXXX. My flood insurance company paid the claim and the proceeds were sent to Champion Mortgage so they could make the disbursements as the work on my house was completed in stages.
The disbursements were to be made in 3 installments. I received the first 2 installments. The third installment remained with Champion until the reconstruction was completed.
The file was transferred to XXXX, but Champion claims XXXX rejected the funds and they were returned to Champion at least three times.
I am asking for assistance in locating the last flood insurance disbursement of {$20000.00} so I can pay the contractor for the work that was completed in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
On XX/XX/2021 I sent a certified dispute, and received results XX/XX/2021 that the items in dispute were verified. 

On XX/XX/2021 I sent a certified request under FCRA 611 ( 6 ) ( b ) ( iii ) to provide " a notice after receipt of my request, that contains a description of the procedure used to determine the accuracy and completeness of the information supplied in regards to the investigation of my dispute, which shall be provided by the agency ( Transunion ) including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher ; if reasonably available. 

Furthermore, I requested that the information be sent to me within 15 days as governed by FCRA 611 ( 7 ).

NO RESPONSE WAS RECEIVED REGARDING MY REQUEST UNDER 611 ( 6 ) ( B ) ( iii ). Yet, Transunion documents my dispute as being " FCRA Compliant ''. 

My dispute was not properly investigated. Even now,, the creditors disputed supply different data to each of the credit bureaus. The avenue that allows the consumer to be notified of how the dispute was investigated, and whom supplied the information has been disregarded by Transunion unlawfully. Transunion representatives state that the company has no obligation to follow the FCRA concerning the matter.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: KY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-02-28
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 non-monetary relief
Consumer complaint received 2022-10-09
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:
fraudulent accounts were identified and disputed with the proper documents and they didn't remover the accounts per the law ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2021-07-27
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive asked to not be contacted by phone which the person that called said ok. Im now receiving up to 8 calls in a row daily from these people.

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 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
overdraft and charge me XXXX $ XXXX and time covid XXXX theydidnotsend my money the goverement help me andcharge XXXX $ every month without any reason make new crediet without igave any permisan

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
These inquiries are fraudulent and I didnt give permission for these companies to run my credit. I called and asked for signature disclosures for these companies. These companies couldnt provide me disclosures that I have to sign before running my credit for permission to run my credit. This is defamation of character as I already have a car and they keep running my credit for car approvals.

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX, XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 2017-11-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX and I am using my Sons email since he has power of attorney. I do n't have an email account. I am XXXX years old. 
XXXX XXXX XXXX sold my reverse mortgage to XXXX XXXX. 
Since XX/XX/XXXX I have had problems for 4 months trying to get a withdraw to pay my bills and taxes. I have called 24 times spoken to almost all the customer service people and a manager XXXX. 
I requested {$7000.00} dollars in XX/XX/XXXX, they show sending it to me via Check. Never made it to my home. They said they cancelled the check and asked me to fill out another request and that they would credit my account. 
I sent in another request in XX/XX/XXXX with a voided check and direct deposit request fully filled out in XX/XX/XXXX. They show sending me another {$7000.00} that I did n't receive into the bank. When I called asking why I did n't get it in my bank account they showed missing a digit on my bank account and bank rejecting the deposit. However charged me {$7000.00} on my statement. So now I have {$14000.00} they show I took draws for that I never received. So I called them again they said they cancelled the {$7000.00}, however I still showed {$14000.00} taken out of my account and added to my loan amount. In XX/XX/XXXX again they said fill out another request for funds so I did in the amount of {$8000.00}. Also sent in another bank check voided with all the information so they can correct the Bank Info. They still had the wrong bank acct number missing one number. I said what does it take I have bills to pay and all I get is excuses and I have done everything they have asked and I have been without my funds for 4 months. They now show {$22000.00} taken out of my account as they tried to deposit the {$8000.00} again in the account missing a digit since they did n't update it. I again called and they said they would put this in on priority. It is now XX/XX/XXXX and I have n't received a dime in my account but they show over {$22000.00} plus interest and transaction fees added to my loan. This is fraud since the funds never left there facility but they are charging me. 
All I want is them to correct my statements as I have not received any money out of my account since last XX/XX/XXXX for {$3000.00}. This has put full stress on my XXXX year old wife and I am XXXX as we can not take this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: CoinZoom, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2023, I submitted a request to Coinzoom to close my accounts with them. On XX/XX/2023, CoinZoom support staff replied that they would not or could not comply with my account closure request, citing that their system does not support such action. 

I do not have any outstanding debts or other obligations that would necessitate keeping the account open. 

CoinZoom cites that complete deletion of my personal info from their system is not possible due to financial records laws, but I have not requested deletion of my info- I have only requested for my accounts to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was trying to apply for something, realized I had damages on my credit report. According to the law 15 U.S.C 1681 law, there should not be any damages on my report. Its a defamation to my character.

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 2023-09-08
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I submitted an IDR request to be moved to the REPAY plan so that I would be on the SAVE plan when it is released. That application was not processed for over XXXX months, so I submitted a new one. Both of those applications were never processed. The first one says it was approved, but I was never placed on the IDR payment plan. Since then, I have submitted XXXX more IDR applications ( for a total of XXXX ) with all of them being rejected as " Duplicates '' of the XX/XX/XXXX application. However, the XX/XX/XXXX application was not processed accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: NATIONSTAR MORTGAGE LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX informed me on XXXX/XXXX/XXXX that my mortgage with them effective XXXX/XXXX/XXXX will be transferred to Nationstar Mortgage XXXX XXXX XXXX known as Mr.Cooper. ) I already had a payment setup with XXXX to pay my mortgage which had a due date of XXXX/XXXX/XXXX. XXXX cancelled my payment to them on XXXX/XXXX/XXXX, they claim its because on XXXX/XXXX/XXXX they will no longer own the account. This meant that today XXXX/XXXX/XXXX I have a payment due to the new issuer Nationstar. Today I received an email from them welcoming me and pointing me to their website. When I went to their website ( either via the link provided or through searching for it on the internet ) the website seems to either be non-existent or severely broken. Below is 100 % of the text on their website at XXXX : 502 - Web server received an invalid response while acting as a gateway or proxy server. 
There is a problem with the page you are looking for, and it can not be displayed. When the Web server ( while acting as a gateway or proxy )  contacted the upstream content server, it received an invalid response from the content server. 

I 've never been late on my mortgage and in fact pay double payments. I can not get anyone on the phone or connected through their website to make a payment. Furthermore I believe its highly inappropriate that XXXX cancelled my payment which was due today on XXXX/XXXX/XXXX which has put me in this frantic mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: U.S. BANCORP
State: WV
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 used my Social Security number to apply for a mortgage With US Bank Corp. I contacted US Bank Corp. and they stated they are unable to remove the hard inquiry from my credit report. I have disputed the hard inquiry with all of the credit agencies, and they have stated the inquiry will remain on my report for two years. I would like to have this hard inquiry removed, because during my discussion with US Bankcorp, I was informed by them declined, because I have a lock on my credit, and they determined that it was a fraudulent application. This is not my inquiry, and I dont want it affecting my credit rating. Please take the necessary action to have it removed from my report. 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 explanation
Consumer complaint received 2022-04-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to an ATM machine at a nearby liquor store on Saturday XX/XX/XXXX. I withdrew {$100.00} cash. 
Today on Monday XX/XX/XXXX, I receive an alert that my account with Ally is overdrawn and the {$100.00} ATM withdrawal is reflecting TWICE on my account. 
I sent a message to them on their app and the rep indicated that they are having a system error that is causing charges to reflect twice. This is extremely disturbing and unsettling, and to trigger overdraft alerts to their customers while they know a system glitch is going on is terrible. CFPB needs to look into this to ensure Ally has appropriate technology and internal control resources to prevent this from happening in the future. These types of errors, while they may be rare, are unacceptable and are surely a violation of consumer protection laws.

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 2023-05-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My ex-husband, XXXX XXXX XXXX, used my social security number to gain access to my account, changed my mailing addresses twice and sent duplicate AMEX platinum cards to his home address and business address without my consent or knowledge. I have attempted to file USPIS reports, police reports, FBI reports and contacted AMEX repeatedly to try and recover the cards he had mailed to himself in my name. the cards are still missing and presumably in his possession. 

I need assistance getting the police to act on this identity theft and if they can not help, the FBI should be involved as the police have told me to file FTC, FCC and IC3 reports about this matter, which I have done. 

He has used my personal information to change over multiple credit card and financial accounts and changed my billing and mailing addresses to addresses in his control as the only adult living there. I am unable to lock him out of my accounts as he is claiming he is my spouse and attacking my accounts online and over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I then sent Satisfaction of debt documentation via fax and certified mail # XXXX on XXXX XXXX XXXX. I called customer service again on XX/XX/2023 approx XXXX to ask if title can be released electronically and was told title would not be released due to company prematurely discharging debt and closure of account. After speaking with agent approx 30 mins to understand the reason for not releasing title She then continued to blame me and began to use derogatory terms and abusive language, stating you must be XXXX speaking on the release of title. This agent then began to state that they will be attempting to reopen account without my permission. Agent did confirm 3 times during phone call that the status of account is showing Paid in Full and still showing closed as of today and she also admitted it could be a possibility this action was a mistake on their part but she understood they do not have my permission to reopen or recontract any terms on a discharged debt due to no fault of my own. I then again asked agent to confirm current account status and Is the account status showing it is Paid in Full and is account closed? She replied again Yes

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