BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-27
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage is now playing the same game for which XXXX XXXX XXXX was sued and had to pay a fine. They are arbitrarily making rules regarding flood insurance coverage compared to home insurance coverage that enables them to forcibly obtain additional flood coverage and take the amount out of one 's escrow account. I was notified by Nationstar that the difference between my homeowner 's policy and my flood policy was too great a difference ( their determination, not Fema 's ). The XXXX letter ( dated XXXX/XXXX/15 ) stated that my coverage needed to be at least as much as the unpaid principal balance of my loan, 100 % of replacement cost of the property as determined by my homeowner 's provided, or the maximum available from the National Flood Insurance Program. I called Nationstar on XXXX/XXXX/15 and was told the letter was in error regarding unpaid balance on mortgage. A XXXX letter was received, removing the unpaid balance of the mortgage as a choice of limits to go by. This letter I took to my homeowner 's insurance agent and explained my problem. XXXX XXXX then did a review and lowered my replacement value to less than my flood insurance and should have faxed said information to Nationstar. So today, XXXX/XXXX/15, I receive a letter from Nationstar stating they took out a GAP FLOOD INSURANCE POLICY effective XXXX/XXXX/15 through XXXX/XXXX/15 and charged {$6.00} to my escrow moneys. Nationstar unilaterally decided in XX/XX/XXXX that I did not have sufficient flood insurance coverage, did not inform me until sending a letter dated XXXX/XXXX/15 ( which is about the time my new flood insurance and homeowner 's renewed by yearly payment from escrow ). After I took care of their issues by lowering my homeowner 's policy, they inform me they bought a XXXX month gap policy for a period I was never informed of or given time to correct. Basically, Nationstar has no interest in my property beyond what is owed them. My policies more than cover the outstanding balance. A XXXX call by me to Nationstar on XXXX/XXXX/15 confirmed that this is not a XXXX policy but simply a Nationstar policy. To me it is simply a way for Nationstar and other mortgage companies to try and sell policies and make money at the homeowner 's expense. Having already suffered through this with XXXX XXXX XXXX, I find it appalling to have to go through this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Advanced Collection Bureau, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX person, since a car accident in XXXX. 

In XXXX, XXXX, I lived in an apartment at XXXX XXXX in XXXX. NE, for XXXX days. I was never allowed to see inside the apartment before moving in, and had to wait some time after paying my deposit to move in. When I did move in, I discovered that environmental toxins in that apartment made me very sick. I immediately contacted the agent who had rented the apartment to me. She assured me that moving out was fine, and that I would owe nothing more than the month for which I had already paid, because she had a waiting list of people whod be happy to get that apartment. Because I had never moved in fully, I left everything at least as clean as when I moved in. 

I have since been diagnosed with XXXX XXXX, a neurological condition that has, among other symptoms, high sensitivities to chemicals. This explains the physiological and inescapable reason why I couldnt live in this apartment, which was right next to the buildings laundry room, and therefore filled with the chemistry of others laundry detergents, dryer sheets, etc. Ive known for much longer than my diagnosis has confirmed that I was chemically sensitive. And had I been able to actually see this apartment prior to move-in, I would not have moved in. 

Months later, I discover that the management company for XXXX XXXX has decided to tack on an {$850.00} move-out fee, something which I was assured upon move-out that I did not owe. Sadly I didnt get it in writing, but I was told by the rental agent that she had contacted her supervisor, and they were waiving the fee for me because of my illness, and because they could fill the apartment immediately. 

The first notice I had that I owed anything was from a collection company. I learned that XXXX XXXX has sent notice of this fee to the mailbox associated with the apartment where I had spent only XXXX days, and had never received any mail! Of course, I had neverand still have neverseen the letter, nor any documentation of this fee. Ive made phone calls to the management company, and they assert that because they decided after the fact that I owe this, I have no recourse. I have, of course, disputed this fee with XXXX, but it continues to appear on my credit report, and to affect my credit score. 

I understand that this is a rather common predatory practice by apartment management companies, and I just want this item removed from my credit report. Thank you so much for whatever you can do to remedy this situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I unable to make any withdrawals from binance us. Im able to deposit, buy/sell but " withdrawals are suspended due to risk management '' is the message I've been getting. I have never made any withdrawals from my account. My first attempt was about 2 months ago. When I got this message, I didn't think anything of it, I thought they're going through some maintenance. A weeks later I tried again and received the same message. At that point I contacted support and have yet to hear back from them. My ticket numbers are XXXX, XXXX, XXXX, XXXX. Its troublesome to believe that a company that holds billions of peoples dollars does not have etiquette support to handle such issues. I have over {$90000.00} in the account I cant withdraw from or get any response from support. 
Please help my account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Wells Fargo Bank- Home Mortgage department. I fell 90 days behind on my monthly mortgage payments due to medical expenses during the past 24 months. In XX/XX/XXXX I filed for a divorce after being separated from my husband since XX/XX/XXXX. Although I was behind on the mortgage I was able to make monthly payments timely for 12 months but not able to bring the account completely current. I filed for a modification in XX/XX/XXXX and was denied. My estranged husband was court ordered to make the XX/XX/XXXX mortgage payment and subsequent monthly payments. He made a payment in XX/XX/XXXX and has not made a payment since. I contacted in the bank/ mortgage dept in mid XX/XX/XXXX and explained what was going on in regards to the court order. On XX/XX/XXXX I attempted to make a payment of {$2000.00} at a local Wells Fargo bank branch. The payment was not accepted and I was told to contact the mortgage dept. The representative at the mortgage dept. stated they were demanding the full payment of {$7500.00}. and nothing less. I then ask for and spoke with a supervisor who stated the same message to me. I can afford to make my monthly payments plus extra and want to remain in my home. I can not afford to bring the account current in one large payment. I have this with the banker and I was told they would not accept partial payments at this point. I need your help.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2022-06-12
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
I have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX 's Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired 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 2021-06-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello. I have a personal account with PayPal and have a balance of over {$60000.00} in my account currently. PayPal notified me the other day that I am no longer allowed to do business with PayPal and that they would be freezing my account for 180 days. I do not use PayPal to sell anything -- it is an account I use to buy things online, buy groceries, pay bills, rent, etc. My husband sends his profits ( post-tax ) from his business account to my account. The fact that they are holding my balance for 180 days seems cruel considering we are still in the middle of a pandemic. I have always been in good standing with PayPal and have never had any issues -- this happened abruptly and without warning. I have since spoken with PayPal multiple times, but they won't give me specific details on why they made this decision. Now a large portion of my money is frozen for 180 days. I no longer wish to do any business with PayPal, but I need my money back sooner than 180 days. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: TRUIST FINANCIAL CORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a rental property in XXXX On XXXX XXXX, my tenant, an XXXX single mother, contacted me in a panic as BB & T ( now Truist ) would not accept her deposit to pay the rent. 

I contacted the company, they informed me they now have a policy to not accept cash deposits except from the account holder. They also informed me, there is no Federal regulation which requires this, it is a company policy " to prevent money laundering '', that they could accept deposits by check or money order. I asked to have a written copy of the policy sent to my email account. I never received a copy of the policy. 

As I am on vacation in XXXX ( I live in XXXX  ), I visited a local branch ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) on XXXX. The representative ( XXXX ) I spoke with, informed me it was not a " policy '', but instead an agreement between Banks. He could show me on the screen, but he could not print it out since it was an " internal bank document ''. He confirmed there is no IRS or SEC regulation requiring such a standard, and it was to prevent money laundering. He also told me if I opened a business account, then they could accept cash deposits from anyone. 

I also called XXXX XXXXXXXX XXXX as they have a branch near my property in XXXX, but they informed me they have the same policy. They are happy to send a copy of the policy to my mailing address. 

I find this reprehensible. I charge a minimal rent ( less than {$1000.00} a month ). The family is on a tight budget, and having to purchase a money order is a small, but unnecessary expense. If there were significant amounts being deposited in my account, I would be willing to believe they have a legitimate concern, but this is ludicrous.

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 2021-06-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We had a 30 year mortgage with XXXX Mortgage from year XXXX to XXXX then XXXX Mortgage transferred the servicing of our account to XXXX XXXX XXXX. Then XXXX transferred the servicing of our account to XXXX Mortgage and just here recently XXXX Mortgage transferred the servicing of our account to NewRez. We just told recently that we did a 50 year loan with XXXX XXXX and did a modification for XXXX which in year XXXX then we are to pay the XXXX no interest. None of this is true and we need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

" XXXX XXXX XXXX '' ( XXXX XXXX XXXX ) continues to violate my rights. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate. This is grounds for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX XXXX ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2021-12-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced our mortgage with another bank. The closing date for the loan was XX/XX/XXXX. The last day to pay our mortgage for XXXX was XX/XX/XXXX. The payoff amount was wired on XX/XX/XXXX. Rushmore returned the wire payment was returned by Rushmore on XX/XX/XXXX stating that it was short although they sent the payoff amount to the bank that was good thru XX/XX/XXXX. They are a ripoff and I hate that our loan was ever sold to them. They have been taking our money thru high interest rates since we have been with them and I am so glad to be rid of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of ID theft due to the Equifax data breech for several months now. I continue to request that the CRA 's block this inaccurate information yet they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: GA
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 dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have filed multiple complaints through the CFPB over the last year plus and I have also mailed in complaints along with my documents : social security card, drivers license, proof of address. Even when providing all the documents XXXX and Equifax continue to send me stall letters requesting the same information that has been sent multiple times. When I have called both companies they have stated I have no alerts and no fraud alerts on my file and there is no block however through Annual Credit Report and even their own sites I have been unable to retrieve my reports after submitting documents over 5 times. I have recently requested full disclosure of my ENTIRE CONSUMER FILE. I did not receive my file as again I was sent yet another letter about my identity that documents have been provided over and over. This is causing harm to me!

Company response to consumer: Closed with explanation