BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-28
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a mortgagee with Nationstar - # XXXX - Nationstar is reporting a defered amount as past due - this is not the agreement I signed at modification - Their website lists the amount due correctly - however to the XXXX credit bureaus - they have reported this incorrectly for more than 6 months - I have repeatedly asked this be corrected and have had temporary corrections that reappear the next months - This is an extreme impact on my credit history - Secondly, I do not understand the Defered amount - I have had my mortgage for 8 years, have never borrowed additional money and owe $ XXXX more today that on the original date - This is a fixed rate - I have repeatedly asked for an amortization or invoice to show the payments and balance - but this remains unanswered - This modification was done - during my XXXX and I do not understand what they have done - Could this be a predatory modification? I have no idea - simply want details -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent in disputes along with the police report and XXXX, TRANSUNION, & XXXX continues to report these accounts that I do not recognize. Some of these accounts were reported as fraud with the police.

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 2023-09-08
Company: WELLS FARGO & COMPANY
State: CA
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 have carefully reviewed my credit report in 3 BUREAUS. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX XXXXXXXX and WELLS FARGO BANK 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 2023-01-19
Company: ARVEST BANK GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been current in my conventional loan payments since loan origination on XX/XX/XXXX XXXX # XXXX. 

I requested Arvest to remove PMI as I had satisfied all Arvest Mortgage requirements for PMI cancellation. The requirements include paying the principal amount to {$230000.00} and paying a Brokers Price Opinion fee of {$150.00}. I paid the {$150.00} Brokers Price Opinion to remove the PMI on XX/XX/XXXX. 

I received the PMI termination confirmation email from XXXX XXXX in the PMI department from XX/XX/XXXX. 

I also paid two Mortgage Insurance premiums on XX/XX/XXXX for XXXX and XXXX. 

Since then, my XXXX MI certificate # has been cancelled. XXXX # XXXX. 

I have also satisfied all requirements for PMI cancellation according to the PMI Cancellation Letter sent from Arvest. 

I noticed my upcoming Mortgage payment due XX/XX/XXXX includes the PMI payment. 

I have called Arvest Mortgage customer service multiple times receiving different answers including, I will still have to pay the PMI premium until XXXX and XX/XX/XXXX. 

Arvest Mortgage refuses to produce any evidence of me owing PMI premiums for XXXX and XXXX, beyond the PMI termination date. 

Pursuant to 12 U.S.C. 4902 no further payments or premiums may be required from the mortgagor ( Arvest ) 30 days after the requirements have been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: LEXISNEXIS
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:
I just received a letter from XXXX confirming XXXX XXXX XXXX XXXX was accurate.I went to the XXXX XXXX XXXX XXXXXXXX today they denied having a investigation with XXXX.So ask for a letter he said he had none he could give me so Im filing a complaint I got copies of the XXXX report as evidence will send in attachment, and can you please make sure all three bureau show a deletion of all information please thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company name Portfolio Recovery Debt was through XXXX XXXX XXXX This company served me papers in XX/XX/XXXX. I called them and set up a payment plan. Which was never drafted. They sent me papers in the mail a month to 2 ahi XXXX or XX/XX/XXXX. These papers threaten to take any assets I had to cover my debt. I told them I had set up a direct draft payments in XX/XX/XXXX. They told me that the payments never came out that my bank wouldnt allow them. They said they have this issues like a security issue. I set up direct draft with them again. The payments arent being taken out again even with giving bank information and consent. I worry if my bank really is not allowing them that its a faulty company or they just arent really trying to take them to try to take all the money at once or my assets. I assume Ill be getting more legal threats in the next few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit 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:
Had a company raise the monthly fee without notice. No letter, no email, no phone call. I cancelled immediatly and they refused to give me the prorated. The space was supposed to be climate controlled yet no matter how much I brought it up, it was consitently over XXXX degrees with XXXX humidty. Opened up a dispute after they were making it difficult to get it fixed. XXXX, after months of being closed magically reopened with documention from the merchant that were out right lies. Claiming they were late fees without proof of such. Claiming they tried to contact me which they never did. I sent them proof of the payment should be. A chat log saying I should receive a refund in 48 hours.It should be a cut and dry case. Yet american express is a scam, and they exist only to waste your time and not protect the user.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme frustration and anger regarding the negative payment status on my credit report for an account that is being incorrectly reported as a late payment account with a balance due. I have reached out to INDIGO - CELTIC BANK regarding the validity of the debt, but they failed to provide any proof of the alleged late payment. Therefore, I demand that you provide proof that this account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account immediately. The account in question is : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$190.00}. Despite my repeated attempts to resolve this issue with both INDIGO - XXXX BANK and your bureau, I have faced nothing but obstacles and delays. It is unacceptable that this negative payment status is still on my report, and I demand that it be removed immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( 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 2022-10-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been denied access to my account and the company makes it impossible to speak to anyone regarding the issue. I've attempted to verify my identity in every way they proscribe, and several others as well. My complaint is not so much about the fact that I've been denied access to my account, but it pertains to the lack of a real escalation process in place at the bank ( which is not really a bank technically I suppose ) Chime. 

The access was denied yesterday - I noticed it around XXXX. I stayed on the phone with Chime customer service for hours last night being repeatedly told that there was nothing I could do but wait for the fraud department. I was never given any sort of number to track my case, and it seems that every time I contact them, the process starts over. 

Ultimately, we as consumers are paying the cost of Chime can offshoring customer support, giving the agents very little training, and not empower them to solve problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Williams & Fudge, Inc
State: MI
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:
This complaint is over {$1500.00} that is attempted to be collected by XXXX XXXX XXXX. There is multiple problems with this and THE TOTAL AMOUNT should have been released already. 

1 ) My federal debt is on schedule to be released under the forgiveness act. 
2 ) I worked for the school itself and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX and permanately XXXX. XXXX denied my workmans comp. and I have a continuing case on this matter however, I am not working and SSDI XXXX ( approved ) as PD. since XXXX and when I contacted XXXX they ignored me and this is targeting in retaliation to this case WHICH THE SCHOOL ITSELF is LIABLE FOR. 
3 ) I am XXXX and XXXX since the above and living on a very limited budget. XXXX ignored this and this entire matter is prejudice on the case of XXXX which I will look into discrimination AGAINST a XXXX person. ( great work ). 
4 ) This entire amount should have been released long ago and it kept me from continuing school. They are scandalous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: CBC Companies, Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Bank of America contacted me Friday, XX/XX/2022 and left a message to inform me they had cashed a check written by me from my XXXX account that appeared to be altered. The message asked if I had written a check to XXXX XXXX in the amount of {$4000.00}. 
When I was able to reach someone on the following Monday morning, XX/XX/2022 I told them that the check had been made out to the XXXX XXXX tax collector, XXXX XXXX. The person at Bank of America told me to report the claim to my bank. I reported it to my bank and filed a police report. 
XXXX XXXX has been unable to get a response from Bank of America despite numerous attempts. I have tried to contact Bank of America but can not access their customer service or fraud division because I do not have an account there. The automated system will not allow me to speak to a human without entering my account number. 
XXXX has sent me a message that because they can not get a response from Bank of America, they are going to drop my claim. 
I do not accept this because Bank of America was the entity that first noticed the fraud. Now they refuse to respond. This is a lot of money for 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 monetary relief
Consumer complaint received 2023-11-21
Company: Nelnet, Inc.
State: OR
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:
I applied for the SAVE repayment plan with my loan servicer Nelnet over two months ago. My application is still pending and my balance continues to grow due to interest. The benefit of the SAVE plan is to prevent interest to continue ballooning as long as you make minimum payments, but while the application is still pending, the interest continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I walked into my local Bank of America Branch in XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). I made a deposit totaling {$20000.00} including a single check from my mothers estate ( part of my inheritance ). I was given a receipt of this transaction which i still have today. I will include an image of the receipt for your reference. Upon reviewing my bank statements, the deposit was not recorded, and the funds are nowhere to be found. Shortly after noticing the missing funds, I visited the Bank of America Bank location and a representative ( XXXX XXXX ) assured me he would resolve the issue. A resolution has not been received and I still do not have the funds from the deposit. Upon further discussion with my CPA, I reached out to XXXX again in XXXX 2020 for an update and to request bank statements from the prior 12 months. I have not received any response nor statements. Please review this activity as I am suspecting potential fraud or elderly abuse.

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION
2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX ; U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; U.S. Bankruptcy Court XXXX XXXX Bankruptcy Reference # : XXXX XXXX Federal XXXX XXXX Bankruptcy Reference # : XXXX ; Federal XXXX XXXX Bankruptcy Reference # : XXXX ; Federal XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; LA XXXX XXXX ; XXXX LA ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I sent the Credit Bureaus letters on XXXX-22 asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
In accordance with the Fair Credit Reporting XXXX  Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Here is the accounts : XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate 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 non-monetary relief