BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-11
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We received a loan modification back in XX/XX/2011, we had a 90 day trial and it was official. If we paid our mortgage on time we would receive {$1000.00} off our principal mortgage every year for 5 years and at the end would get {$5000.00} off the principal mortgage. We had this agreement with XXXX who sold our mortgage to Nationstar Mortgage Company 3 or so years into it. Nationstar and XXXX both assured us that we would not have a change of any kind. We continued to receive the {$1000.00} credit every year. We continued to pay on time. Yesterday I was informed that we were not getting our {$5000.00} credit because Nationstar claims they did n't receive my " Real Estate Fraud Certification ''. We not only sent this form 3 times by regular mail, we finally were granted permission to email this form. Prior to the due date ( which in not on the form they mailed to us ) we were told we could only send it regular mail. Every year when we received this incentive, we did n't need to fill out Fraud Certificaton paperwork. However, we did fill it out several times and yesterday I was told that the research Dept decided we could n't get the credit to our mortgage. I asked the representative to please allow me to speak to a representative in that Dept. and I was told they are in a back room and I ca n't speak to anyone from that Dept. They do n't have phones, instead I must email them. I then spoke to ( Supervisor XXXX ID # XXXX ) who assured me she would fix this problem, yesterday she called to say we would not receive the credit. We have worked very hard to maintain our end by paying on time consistently and feel we are entitled to this incentive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I login into my allybank.com account and notice there was several unauthorized transactions that happened on my account from a merchant called " Binance US ''. I called that same day to report this activity, and they ended up blocking my account because they were not able to verify me but also told me they noted down all of the 9 transactions this merchant did as fraud in order for the investigator to also look into.

It's been over 2 weeks and they still haven't said anything about the fraud transactions that happened on my account. They refuse to give out any information and keep saying over the 50 times I had called them they are " looking into it ''. I need my money back ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Called XX/XX/XXXX upon first receipt of fraudulent statement to dispute account. 
Letter stating Dispute info received XX/XX/2022. 
Received another statement for charges and immediately called customer service XX/XX/2022. 
Notice of adjusted minimum payment XXXX received and letter dated XX/XX/2022. 

Letter received ( dated XX/XX/2022 ) that case was closed due to : 1.Statements were sent to an address that belongs to you. 
2.You received benefit from a transaction ( s ) or payment ( s ) made on the account. 

Called again XX/XX/2022 to dispute and reopen investigation. 
Statements continue to arrive and called them again today XX/XX/2022. 

I did not open this account. I did not receive any benefit from the transactions. Transactions were out of state and I have never traveled to those states. I do not know and have no knowledge about who the names of the people mentioned in the charges are. I do not have the physical card. I never received any card in the mail. 

Bank refuses to accept my dispute.

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 2017-03-10
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I receive solicitation calls from NationStar, my mortgage lender since XX/XX/2009. The calls go like this : " This is NationStar. This is a recorded line. NationStar sometimes acts as a debt collector. This is a courtesy call for XX/XX/XXXX. Your mortgage is {$2200.00}. Are you aware that it is due on XX/XX/XXXX? Do you have this set up on Bill pay using the grace period? To cut down on my courtesy call volume, please tell me if you are going to continue to pay using the grace period. Your account is now coded-out to pay by the grace period '' WHAT IS THIS ALL ABOUT?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Marlette Funding, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am a qualifying XXXX XXXX service member. Ive provided my enlistment documents, current pay stubs, and. An office letter from my supervising commanding officer proving I am XXXX XXXX. 
However the company continues to deny adding benefits to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: NCB Management Services 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: Problem with personal statement of dispute

Complaint:
I have made several attempts to NCB Management Services , Inc. to provide me with a SIGNED and DATED ORIGINAL CONTRACT between myself, XXXX XXXX and NCB. They still have not provided me with the information I've requested ( now demanded ). 

According to the last results from a previous dispute : The account is an auto loan originating with XXXX on XX/XX/XXXX for the purchase of a XXXX XXXX, XXXX. As a result of XXXX selling the account to NCB, they assigned their rights regarding this account to NCB. 
This statement means XXXX has sold this contract to another company. That means the contract between me and XXXX is CANCELLED. THE DAY NCB FINALIZED THE SALE OF THE DEBT FROM XXXX, THE CONTRACT HAS BEEN CANCELLED. 

As stated in our letter dated XX/XX/XXXX, NCB is now the current creditor to whom the debt is owed. 
This statement means NCB is now the credit for this debt. Since this debt is carried under NCBs umbrella, WHERE IS THE WRITTEN AND SIGNED CONTRACT BETWEEN ME, XXXX XXXX AND NCB?!? I have been repeatedly asking for the SIGNED contract between myself and NCB. They continue to grandstand and NOT service my request. They keep sending me alleged documents between me and XXXX but not the SIGNED contract between myself and NCB. 

I have attached the request letters sent directly to NCB to send the contract I've request ( WRITTEN and SIGNED contract between myself and NCB EXCLUSIVELY ) and the latest copy of the response they have sent. Please pay attention to the information highlighted on the first page of NCB 's document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Please see attached files I have made countless attempts to have unverified and erroneous accounts deleted off of my XXXX credit report. And XXXX has REFUSED to adhere to the laws and regulations afforded to me under the FCRA. I have submitted several disputes to them regarding these erroneous accounts. They claim the accounts are verified. I asked them how did they verify them, they couldn't tell me. I've made repeated requests for them to send me the original creditor 's documentation ( a signed contract by me giving them consent to furnish my information as per my right by law ) and they've ignored these requests. I have made requests by mail, by phone and through the CFPB. They have not provided me with any documentation or correspondence that came about in their investigations ( required by law ). Furthermore they continue to ignore their obligated duty to do what is fair and equitable to me as a consumer ( required by law ). They are in violation of so many of my consumer rights including receiving information from a 3rd party regarding my consumer information without my consent. I ask that my request be taken seriously, that XXXX either provides me with the original creditor 's documents I have asked for or remove the disputed accounts and public record from my credit 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 non-monetary relief
Consumer complaint received 2021-07-12
Company: Better Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received an initial loan estimate with {$850.00} lender credits. A subsequent loan estimate was provided with only {$750.00}. I inquired why the credit was reduced was told it was property type. Asked it the original {$850.00} could be reinstituted. Representative XXXX XXXX said via email " That shouldn't be an issue, I will get that adjusted today. '' When I inquired about the {$850.00} on a third loan estimate I'm being told no, sorry, can not adjust the lender credit to {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
last month i took a look at my credit report and noticed that i had 2 fraudulent accounts on my credit 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 non-monetary relief
Consumer complaint received 2017-03-10
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The family trust submitted necessary documents for completing a short sale to the lender ( Champion Mortgage ) holding a reverse mortgage on property held in the trust. All documents were submitted in a timely manner, including an appraisal. The appraisal was ordered by the trust, therefore it had to be reviewed by a HUD approved third party reviewer. The review process took over 3.5 months, due to periods of no activity by both Champion Mortgage and XXXX ( appraisal reviewer ). This extraordinary long review process caused the appraisal to exceed the 120 day HUD limit on the appraisal. A letter was submitted to Champion requesting that the appraisal be honored given the unacceptably long review process. The request was denied with the offer to pay for another appraisal. The new appraisal came in $ XXXX higher putting the purchase out of reach for the family member requesting the short sale purchase. Another letter was submitted to Champion again requesting that the original appraisal value be honored given the flawed appraisal review process. A Champion problem escalation representative contacted the trust executor apologizing for the situation and suggesting that we consider appealing the new appraisal. 
About a week into the preparing the appeal, we found out that the home had been sold in auction. We were not notified that the sale was imminent or that the property was sold. We heard about the sale from the individual who purchased the property. In fact, when the Champion escalation rep was informed of the sale, they were totally surprised and had to investigate to verify the accuracy. Reportedly, a request to rescind the auction foreclosure sale ( generated by Champion managers ) was denied by the responsible vice president. The property is still in escrow to our knowledge. The sale took place on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or around XXXX XXXX my son who is a cardholder on my account set up automatic payment on the account, however, he didn't know to realize you needed to select pay the minimum due or statement balance. The system drafted from his personal checking account the statement balance of {$1600.00} dollars. When he realized that his personal checking was overdrawn he immediately contacted the credit card company and explained exactly what happen the credit card company immediately reversed the payment and returned the money back to his bank and the following day he made the payment of the minimum amount that was due. However, the outstanding balance increased on the credit card in the amount of {$1600.00} dollars bringing the total outstanding balance to {$3600.00} dollars with a credit limit of {$3000.00} dollars. I have made a total of 5 disputes with the credit card company about the outstanding balance being totally wrong. I told them if they add up all the transactions from the time the account was opened all the transactions do not add up to {$3600.00} dollars, therefore why is the outstanding balance {$3600.00} dollars? They are telling me the outstanding balance is correct and it's not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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: Investigation took more than 30 days

Complaint:
I have a private loan with XXXX XXXX XXXX XXXX. The total amount of the loan is {$9600.00} and I've been charged on the XXXX of each month since XXXX XXXX currently having a total past-due balance of {$720.00}. 

I was not informed that this type of loan was not covered under the Biden-Harris Administrations Student Debt Relief Plan. As a result of not knowing this information, my account went into a past-due status and hit my credit twice. I made no arrangements to place this loan on a deferment had I known I would have taken the required steps to secure that this would not go into a past due status. I am still a full-time student and am currently submitting a deferment document to the lender. I called the current lender XXXX requesting copies of all the notices that were sent to me and was advised by a rep named ( XXXX XXXX that they have no way of issuing a copy of that information. I find that very concerning and feel that this could have been avoided simply by communicating and giving proper notice and explaining to me that it won't be covered under the Biden-Harris Administrations Student Debt Relief Plan, and yet those original documents can't be provided to me. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

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 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This Capital One account ending in XXXX was listed as part of my bankruptcy in XXXX. This account has not been listed on any of the 3 credit bureaus in over 17 years. I went to pay another Capital One account that is in good standings and my bank never removed this account ending in XXXX from the list of creditors I pay by phone. 

In XX/XX/XXXX. I accidently made a {$190.00} payment to what I thought was the active Capital One account. The payment went to this closed account. I called Capital One and told them this account was in bankruptcy and to return the money. They would not return the money. The Capital One representative told me that she would turn this dispute over to the Capital one attorneys and get back to me in 10 days. She never did and I never received a call from the attorneys. 

Next month for the first time in 17 years I received a statement from Capital One for payment on account ending in XXXX. They took the {$190.00} payment. Chopped up the amounts into smaller payments of that money from {$38.00} to {$73.00}. Backdated those payments and spread that {$190.00} payment from XX/XX/XXXX back to XXXX to XXXX to make it seem like I have been paying all along which I have not done. Then they reported this account as charge off. 

I pay all my bills on time. My credit score was XXXX. Now because of Capital One AND ONLY Capital one my credit score is XXXX. All the credit card have with good rates have now increased the interest rate to 29.99 % Because of this charge off. I am not in collections because when I gave the lawyer of of the collection agency my statement. They had no further contact with me. My recent credit bureau dated XX/XX/XXXX reports " 0 collections found ''. 

I feel that because I am XXXX XXXX XXXX, Capital One bank took advantage of me and treated me unfairly as a senior citizen by : 1 ) Not listening to me and returning the money when I told them the account was listed in bankruptcy.

2 ) Lying to me by telling me that a Capital One attorney would be contacting me and never did.

3 ) Fraudulently not showing the {$190.00} payment made in XX/XX/XXXX but deceiving me by sending me a statement with small monthly payments backdated and spread out over 10 months to make me think I was paying all along. 

I am on a fixed income and the financial burden Capital One create by paying extra interest on my other cards has affcted my quality of life. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: MD
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 am seeing school on my report that I never attended XXXX Univerisity XXXX XXXX XXXX University

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 there was an electrical Fire at my home. I notified Wells Fargo 48hrs latter. I kept telling them I would not make any payment do to that. They signed me up with XXXXXXXX XXXX who put me on a 4 month forbearance. ( XXXX XXXX took exactly XXXX yr to pay calling it XXXX then switched to electrical fire now the house is full of mold & still not fixed ). I send the payoff check Friday XXXX XXXX & it was picked up @ XXXX by someone for Wells Fargo XXXX XXXX XXXX. I paid {$36.00} have the tracking number & name of person who picked the check up. I have called them 4 times they deny having that check. They keep calling me & emailing me & harassing me about a payment for a home that is unfit to live in the mold has gotten extremely worse. I want every cent I paid them from XXXX XXXX XXXX to now. Plus I feel I should be compensated for the stress & aggravation. First knowing the check is there for Payoff they should cancel payments unti resolved, It has been one year & 6 months.Now I want them to repair the home XXXX to XXXX free of charge & give me a Reprinted check for XXXX check payable to me Wells Fargo XXXX XXXX XXXX have put me through XXXX WF should have a direct number & the same person to talk to. First you get put on hold 2 or 3 times & have to listen to all that pre recorded garbage that doe not pertain to me. Please help. Dut to high number spam calls & my 12 hr shift work no phone email is best. I get it on my phone & call you back from work or home a direct line. I need to include XXXX XXXX for calling the fire XXXX when the 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 2020-07-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank is Terrible I received a text message on XX/XX/XXXX at XXXX XXXX  regarding fraudulent activity. 
I called the Citibank Fraud department on XX/XX/XXXX at XXXX XXXX and was on the phone with them for 10 minutes ( I have the phone records ). I expressed to the representative that the attempting XXXX transfer was  NOT authorized. I said " do not allow the transfer. '' I realized on XX/XX/XXXX that {$1000.00}. XXXX was transferred to someone whom I do not know and specifically asked not to allow the transaction. I called on XX/XX/XXXX to file a claim with Citibank and it came back a few weeks later, denied. I then filed for an appeal which also got denied. I would like to be refunded my {$1000.00}.

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 explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reported to all XXXX credit bureaus that I had a paid service to remove all debt from my credit in XXXX  and this was not done when I pulled my credit reports. I filed disputes with credit bureaus about this and nothing was done. They denied my request without properly investigating my case and I know they used E-Oscar system. They did not do a thorough investigation at all. 

XXXX XXXX XXXX XXXX XXXXXXXX that were in my name not the one I am an authorized user on. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The credit bureaus are in violation of Section XXXX of FCRA. 


Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief