BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi my name is XXXX XXXX, I have a loan with NationStar Mortgage and ive been trying to get a loan modification from them for some time now. I have gave them all requested documentation and I have a sale sate scheduled for this property on XXXX/XXXX/16. I 'm worried that they will not postpone the sale date due to some odd regulation they might make up on the way to just sell my home. I do n't know how much longer I will have to be working with them to receive a loan modification. Please help me to receive a good modification for my home so that I could pay my mortgage. I also have read and see that my servicer is in violation of my XXXX XXXX XXXX of Rights. 
I really want to work with them and I want them to do the same. I do not want them to play games and give me a loan modification that will be higher then what I used to pay before. ( It seems as though that 's what every company is giving out these days. My friends complaint about this issue too and im really hoping that we can get this resolved. 
Please help with the sale date its very close. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Fairway Capital Recovery, LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2022 Fairway Capital posted a collection to my credit report. I disputed it via the credit bureau and they immediately responded it was a valid debt. I then sent a certified letter to them requesting information. They refused to sign for the certified letter. 

They have never sent me any written communication. They only information I have is contained in my credit report. 

This is not my debt, but I believe the debt of a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
showing inaccurate items on my credit that are not mine federal law said you have the right to dispute items that are not correct

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 2016-03-24
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a resident of Florida suffering from multiple XXXX including XXXX. 
I have had my howeowners insurance, XXXX XXXX, since I bought my home in 2011. This year I notice my mortgage holder was about to double my rate, from {$960.00} to about {$1900.00}, and I noticed that my insurance had changed from XXXX to XXXX and that I had gone from paying {$2800.00} to {$6800.00}. 

XXXX, my mortgage lender, had just informed me via letter that this had been switched the year before, but they never adjusted the amount of mortgage ( just a few bucks so I - thought it was property tax increase ) ; hence, a BIG SWITCHAROO was done by both XXXX, WITHOUT MY CONSENT. And then concealed by my mortgage holder as I would have known if the monthly payment would have doubled. 

So even with me correcting this and switching back to XXXX, there is still one year of monies that I am now being forced to pay my mortgage lender ... This is roughly {$4000.00} for the year that is being included in my monthly payments now and I ca n't afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
on XX/XX/21 i file a Apply for XXXX credit card so i can get discount on buying something ..it wasn't in till i fill out all questions and and 2 days before i had unlocked my 3 credit union accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and send App in online for credit check that when i found out that XXXX Mask who XXXX was Apply too i just fill out was Chase Bank XXXX XXXX i call up and try fix any question they had about App and they claim they can't conform my phone number with XXXX  that who they take credit scores from. 
So i call XXXX  over phone She said that was total Lie because got all info was giving to them and bank have ways get that info .. they lied about credit check and calling my phone number, Chase bank they like had all 3 credit unions have ALL my info even my phone work .money saving and checking accounts ..sound like people working from home screw up. and Not own up to it .its XX/XX/21 i still have Not got letter from Chase bank why did this, or follow throw, or XXXX didn't inform me before i applied and removing a review and wouldn't re-post warning others online I LOST XXXX POINTS ON MY CREDIT SCORE because these morons games and someone going pay 1 Masking who applying to ,2, never giving a right fair credit 3 informing wrong info to credit unions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called Navient student loans on XX/XX/2023 because they were charging me late fees and none of my payments were late. The total balance was XXXX $ and I have XXXX children and bills and couldn't make such large payments with high interest rates. They said they can enroll me into a program that would help lower my payments, I asked customer service if these payments would go toward the principal balance? and they said yes. I signed up to pay XXXX $ a month a total of XXXX $ within the last six months was paid to them and when I looked at my balance it kept increasing. My account balance went from XXXX $ to XXXX $ I am reporting them for lying about what I had to pay and requesting they leave me and my elderly grandfather alone. My grandfather is a U.S. military veteran suffering from XXXX they have called him harassing him in the past asking for payments and it makes him so stressed and confused that he ends up paying them telephonically and I never saw the difference reflect in my account. I have told them to remove his number and only call me. Navient has put a tremendous amount of stress on me and my grandpa.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$4800.00}

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 2023-08-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have sent a Notice of Error and Appeal to the lender, they have not responded and are moving forward with the foreclosure auction sale in violation of RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Express Recovery is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called Express Recovery to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
#. 
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EXPLANATION : I've Had this fraudulent account added XX/XX/2021 without my consent. 
I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX and was denied since my phone was still locked. The XXXX Employee asked me to write down my information, so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, meanwhile I have NEVER missed a payment with my newly opened XXXX account so I was confused ... i also NEVER received any document or phone call saying owe XXXX anything... So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. They told me it must be a misunderstanding and they removed it off the credit bureaus but it was still on my XXXX credit file. I end up calling XXXX a month later and we ended up finding out the first XXXX franchise i went to where the EMPLOYEE asked me to write down my information on a STICKY NOTE ended up fraudulent opening an account with my information and sent it to the Debt XXXX!! THERE IS NO OFFICIAL DOCUMENTS WITH MY SIGNATURE ALLOWING ME TO OPEN THAT ACCOUNT. 
XXXX told me the only thing i can do is pay off the balance ( {$120.00} ) to get it resolved since they couldn't remove it from every credit bureau so i did that ... Next thing you know it turned into a closed account, this has Humongously effected my credit, I have never missed a payment and it posted as i missed ALL my payments.. it dropped my credit score almost XXXX POINTS!!! I NEVER gave XXXX authorization to open that account nor was i sent any documents or contacted about that account since it was " opened '' they NEVER had my official information!! NO address or NO number just my SSN. I've tried to dispute on XXXX & XXXX XXXX and it kept coming back accurate! i just want this account OFFICIALLY removed since it was fraudulent opened.. The company can not provide proof i opened this account, and have violently prohibited my rights!! i even provided proof in the evidence box of XXXX saying the account was mistakenly opened.

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 2022-11-03
Company: Paypal Holdings, Inc
State: MI
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:
My issue is with paypal. I sell items online, specifically in this instance it was on XXXX, First all of my listings are no refund no return all sales final clearly stated on every listing. Someone bought a pair of shoes from me and after shipping said that they wanted to cancel the order. I replied to them immediately and informed them of my stores policy and did not hear back, then XXXX weeks after delivery they contacted whatever financial institution they used to purchase the shoes and fraudulently claimed that I said they would receive a refund which is a complete lie but paypal released the funds to them even though I have undeniable proof the buyer was committing fraud. I also had a representative from XXXX contact paypal and confirm the situation and XXXX also confirmed that the buyer was lying and have since banned them from using the XXXX site. Paypal has not returned the funds that they allowed to be fraudulently taken and the buyer kept the shoes as well and paypal charged me for them investigating the fraud that they allowed, bringing my financial loses to almost XXXX XXXX I have full evidence that fraud was committed and paypal went along with it. criminal charges need to be brought against paypal, the buyers card issuer and the buyer himself. This is theft, bank fraud and cyber crime

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 did Not authroize these inquires and need them removed I tried to contact the Bureaus and they did not remove them and it is a violation according to 15 U.S. Code 1681 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: NC
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:
Equifax confirmation # XXXX, is reporting the following addresses, inquiries, name and employer fraudently XXXX : XXXX. XXXXXXXX XXXX XXXX dated XXXX XXXX XXXX Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX XXXXXXXX XXXX Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed on new home purchase for primary residence in XXXX NC in XX/XX/2021. Prior to closing, provided evidence of flood insurance coverage in amount of {$140000.00} based on existing coverage amount with XXXX on the property. Penfed made no indication of necessary flood insurance coverage amount or that any necessary changes to coverage amount. Received a letter Dated XX/XX/2021 addressed from Penfed ( it is apparent the communication came from a 3rd party contracted to handle proof of insurance - however there is no indication of this in the letter which addresses it from " Insurance Service Center '' ). Letter states records indicate the property should have at least XXXX of flood insurance coverage .... the coverage amount must be at least equal to the lesser of : 1 ) loan balance, 2 ) replacement cost value of the building, XXXX ) or maximum amount of coverage available by the XXXX ( the maximum offered is {$250000.00} by XXXX ). 

The letter contains no indication of the replacement cost value of the building nor any consideration of how the appropriate amount of flood insurance was determined. Penfed contradicted the statements about determining appropriate coverage amount and defaulted to the maximum and most expensive allowable amount ( XXXX ) without any consideration or rationale. 

Between week of XX/XX/XXXX and XX/XX/XXXX I've made at least 15 calls, sent 5+ emails, spent 6+ hours trying to contact representatives of penfed and/or their 3rd party insurance verification vendor to share the replacement cost estimate performed by my Flood Insurance Agent that evidences a replacement cost of {$190000.00}. Penfed and their vendor have ignored my messages, bounced me between departments, disconnected my calls, promised manager callbacks within 24-48 hours that never occurred, and totally failed to consider my question and complaint related to appropriate insurance coverage despite every attempt to communicate that the maximum allowable flood insurance has not been appropriately considered or calculated. They have threatened forced place coverage without addressing my concern which risks impacted me financially and making my mortgage unaffordable. Penfed 's system for handling calls, questions, and complaints is totally insufficient and the use of a third party for critical mortgage servicing elements is damaging to their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I didn't know much about credit and when I decided to learn about my credit and check my score, I was shocked. Someone took a lot of credit using my information. 
There are accounts on my credit report which are the result of identity theft. I have not applied for any of these accounts XXXXXXXX XXXX Account Number : XXXX Opened XX/XX/2022 XXXX XXXX Account Number : XXXX Opened XXXX XXXXXX/XX/2022 XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX Opened XX/XX/2022 There are also inquiries that I have not applied XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 These address and phone numbers are not mine as well Addresses : XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Phone numbers : XXXX, XXXX I am attaching FTC identity theft report and driving license

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
i have sent in professional " METRO 2 COMPLIANCE '' letters to the bureaus to dispute negative/ incorrect accounts and inquiries on my credit profile and they have not sent me any updates nor updated any of accounts as " under dispute '' They are ignoring these letters and are refusing to accept my letters as a form of dispute. According to FCRA I have the right to mail in disputes. They are violating LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX Called FBCS to determine what the letter I received from my grandmother was about. They did not have my current mailing address on file. They actually had an address from 7 years ago on file and not my current name. 

I asked for them to verify the debt by mailing proof of the promissory note. The agent insisted on me emailing them first to give them permission to email me back. I said I would prefer written correspondence to be sent via mail, not electronically. He continued well, maam you can print off a hard copy yourself when you receive the email from us. 

He then proceeded to ask for my grandmothers phone number to which I replied I am not obliged to offer her number to anyone at this time. He replied oh we have several numbers on file to reach her at. That is not ok in my book. If theres a debt with me, reach out to me. Do not involve or threaten to reach out to my grandmother. 

I called XXXX XXXX XXXX and they do not have any recollection of a student loan taken out in my name/my grandmothers name for the amount they proposed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: GA
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 sent several letters to All Three major credit reporting agencies and the creditors to dispute any/all inquires that I do NOT recognize and they still refuse to remove them from my report. 

These inquires are as listed : Equifax Inquires- XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021 , XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX Inquiries : XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX  XX/XX/2021 , XXXX XX/XX/2021. 

XXXX Inquries : XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXXXXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021.

Company response to consumer: Closed with explanation