BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: SYNCHRONY FINANCIAL
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2022-07-25
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX - I accumulated a debt with my HOA. This Attorney firm negotiated a settlement and I paid it in full. The agreement was they would remove the liens that they placed on my home. They did not remove all of the liens until XX/XX/XXXX. This was after months and weeks of being ignored and my requests went on without action. This caused me stress and a higher interest rate on my refinance. 

XX/XX/XXXX - I found 4 unexplained charges on my account. I advised the HOA I would pay the account in full but not until these charges were fully corrected as they were for payment processing charges. I did not make any payments so therefore how am I being charged for a payment processing? I also advised them that I would not be making any payments until the liens were removed from my home for a debt that had been paid off well over a year prior. 

XX/XX/XXXX, XXXX XXXX and XXXX reached out to via letter. They back dated the letter and provided a certified mail number on the letter for XX/XX/XXXX. Stating that I had a balance of {$5000.00}. I disputed this amount as it is NOT accurate. according to my records I owe them {$4500.00}. 

Today XXXX XX/XX/XXXX They sent and email that they have forwarded to my mortgage company stating that I owe them {$7100.00}. They added additional attorney fees and worded the totals make it justifyable based on my HOA contract. It is also my understanding they have placed a LIEN on my home. 

This is a violation of my rights under the fair debt collection practices act. They did not provide me with 30 days to validate the debt. They did not send a letter or certified mail. I have a copy of the letter receipt notice from the USPS. I do not owe this amount. This group identified themselves as a collection agency. Therefore they must act according to the law and not dismiss my rights as a consumer. Additionally, when I paid the account off. They should have removed the liens off my property as they had no legal right to leave them on my property. Last, I have taken every measure that I can think of to have the correct balance paid in full. I have been ignored, gaslighted and toyed with over a serious matter. I am seeking help and any punitive damages possible to compensate for this unlawful group of collectors. It is not right to take advantage of consumers just because they can.

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 2015-08-24
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to Nationstar Mortgage on XXXX 2015. The first few months we were not qualified for automatic payment and according to their guide we were eligible in XXXX 2015. This is the most convinient way for us to pay our mortgage. On our first time using automatic payment with Nationstar, our funds were withdrawn from the savings account instead the checking account and they reverted the funds back to our account. Then we tried the second time and they returned the funds again. Then I tried to pay directly from my bank and it was not accepted. Then I tried to pay with a personal check and when I returned from vacation I found out the check was return to me as well. We 've not being able to make an automatic payment ever since and now we are no allowed to pay by phone or by personal check either. We have to pay by certified funds, XXXX XXXX or XXXX XXXX Payment. Apparently, XXXX XXXX only allows payment from a XXXX card debit account which leaves me with XXXX options out of XXXX Nationstar available options. I 've always pay my mortgage on the XXXX but with all of these issues, it 's being difficult to pay on the XXXX because even my personal checks are being returned. Apparently, they put a hold on my account for six months which does not come due until XXXX 2015. When I call them to resolve this issue, I get the run around with no avail. I sent a certified check on XXXX XXXX, 2015 with a XXXX post delivary date and it has not being posted into my account yet. I continue to pay fees and it 's becoming outrageous at this point. Now I was imposed the {$50.00} fee for late payment plus the cost of purchasing a certified check for {$5.00}, stamps and cost for a XXXX date post delivery. I 'm frustrated that they do not offer to assist me in a better way, leaving me with the desire of refinancing with another mortgage company. Their customer service lacks proviciency and efficiency. The supervisors do not offer much help either. I 've being a mortgage holder for over 10 years and I 've never encountered such payment issues. Could you assist me with this issue? I do n't know how much longer I can take this type of lack of customer service especially when I want to pay my mortgage on the XXXX as I am suppose to do. Your assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022

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 2022-09-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has five accounts in my name the first one was opened in XX/XX/XXXX the second one was XX/XX/XXXX the third one was XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX my phone has been hacked 6 times I has to replace my phone twice one amount for XXXX XXXX was XXXX and the other one is XXXX the other on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX and 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 2021-06-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX, I got a call from a debt collector for the paypal account saying I had not paid so I made Postdated check for the XX/XX/XXXX. Looked at my bank statement and I paid for the month of XXXX, the month they claim I've not paid.

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 2021-06-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am a tax ID holder, and I do have credit established here in the US, 1. Experian : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from Experian.com, ( which I am paying for ), I have no access to XXXX  or XXXX. I called in Experian and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, XXXX  and XXXX  about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened.

2.Transunion : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the XXXX  credit report. I called in about a month ago to have it back, no response. 

3. XXXX  : I have online access to the free report every month, called my XXXX, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you.

4XXXX XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.

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 2015-08-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
FORECLOSURE FRAUD against our HOME - PLEASE HELP INTERVENE!!! 

Nationstar Mortgage LLC - the subject of XXXX ' Foreclosure Fraud Complaint with CFPB, recent file # XXXX submitted in XXXX XXXX, now proceeds to cause a Notice of Trustee Sale to be recorded against the XXXX 's home on XXXX ... based on.. 

FORGED Foreclosure INSTRUMENTs ... and based on an UNLAWFUL Notice of Default -- DEFAULTED Debt Validation Request ( attached ), False Servicer Declaration, as explained in referenced Complaint File, False " current owner of Debt '',, and FALSE Trustee Quality Loan Service Corp who recorded the NOD and NOTS -- with claims that are based on a FORGED Substitution of Trustee ( CFPB File XXXX ) ... 

This all started with Nationstar 's FALSE CLaim as Assignee, with its " self-executing and manufactured assignment instrument '' which it caused to be recorded XXXX XXXX ... purportedly from original lender Homecomings ( via MERS ) -- which could NOT BE POSSIBLE because Homecomings filed for Ch XXXX bankruptcy in XXXX XXXX, hence no asset to transfer to Nationstar in XXXX. XXXX XXXX. Sections XXXX, XXXX, reference : XXXX XXXX XXXX XXXX XXXX, case # XXXX, XXXX Bankruptcy Court, XXXX XXXX XXXX New York. 

With only FORGED INSTRUMENTS, and NO PROOF as required by the foreclosure laws in XXXX XXXX XXXX XXXX - we appeal to CFPB 's authority to HELP STOP this ILLEGAL TAKING AWAY of Our home. 

Thank you for your URGENT HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX @ XXXX, I deposited a check at a Bank of America XXXX Maryland XXXX XXXX XXXX XXXX drawn from my attorney 's Bank of America XXXX Maryland XXXX account ) in the amount of {$21000.00} and specifically asked the teller if a hold would be placed on this check and if I could receive a portion of the funds. His response was " there is no hold ; however, our bank policy states that we can not release the funds until XXXX hours and you will have access to your funds tomorrow. '' Paper receipt also showed " total deposit to check {$21000.00} credit pending posts on XX/XX/XXXX, Available now {$0.00}, Available balance {$20.00}. I also checked my online account which also stated " XXXX XXXX credit on XX/XX/XXXX, {$21000.00}. Total deposit {$0.00} Available now, {$21000.00} Credit pending ( Available to cover items posting on XX/XX/XXXX ). Available next business day for withdrawal and debit card purchases. ) I then began to make arrangements/promises to pay some past due bills ( i.e., utility turn off notice, car repossession, etc. ) and dropped my vehicle off for services- to be picked up and paid for on XX/XX/XXXX. At XXXX, Bank of America sends me an email stating that they've placed a hold on my check because specific information indicates item may be returned. Date Available, XX/XX/XXXX by XXXX. If we didn't tell you about this hold when you deposited the check, we will refund any overdraft fees charged because of the hold, to get fees refunded call the phone number on your statement but check your Available balance in the meantime to avoid overdrawing you account and you can also set up alerts. After receiving this message, I immediately called customer service and was given an apology for the misinformation but a check in that amount must be placed on hold to verify funds and to protect myself and the bank. So I explained to her that the Teller, paper receipt, and statement on my online account says something totally different, I had bills due that I'd already promised to pay, and the email notification indicated that there an issue with the check and I needed clarity. I asked and was told that the email " hold '' statement was a generalized statement. I then informed the CSR that I was ending the call and would follow-up tomorrow at the branch.

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 2015-09-01
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I are in the process of divorcing. Our children and I remain in the home that he and I have a mortgage on through Nationstar Mortgage. Due to the debt to value ratio being severely upside down my husband 's lawyer advised him to file bankruptcy on the home. He refused to speak with the mortgage company. They called me and I informed them of our current situation. I asked them if there were any options available for me to be able to take over the payments and full ownership of the home. They provided me with a few options and informed me that because my husband had stopped paying the mortgage for the past 2 months that if I wanted to have any chance of saving the home I had to make up those payments as well as make the current payments. I let them know that as a stay at home mom who was just starting back into the work force I was n't positive that I would be able to do that. The representative told me it was the only way and that I would have to make XXXX {$750.00} payments for the next two months or the phone calls would n't stop. I told him I was n't comfortable making the commitment at that time on the phone but would think about it and get back to him. He continued to pressure me into setting up the payments before I got off the phone. I refused XXXX more times and his pressure continued and so to get off the phone with him I agreed with the intent to call back and cancel the payments. I called back before the first payment was due at the end of XXXX and said I could not afford the payments and asked for them to be cancelled. The XXXX payment was not processed. To my surprise on XXXX XXXX a payment for {$780.00} was processed in my checking account. I immediately called the mortgage company and informed them that the payment should not be occurring and that they needed to stop it because I had requested it to be cancelled and I did n't have the funds in my account. They said they could n't because it had already processed. I called the branch of my XXXX account and asked them to stop it and they said they could n't either. I 've spent a great deal of my time on the phone with the mortgage company requesting that the payment be returned. XXXX representative promised that it would be, another told me it would n't because I was behind on the payments and another disconnected my call when I asked to speak with their supervisor. The original agreed amount was to be for XXXX {$750.00} payments, XXXX the end of XXXX and the XXXX the end of XXXX. The payment the end of XXXX exceeded the agreed amount by {$30.00}. I am displeased with the dishonesty and manner in which this has been handled and I would simply like the money returned to me. The money that has been used to cover the payment now is the child support payments that are made and the account is still overdrawn by {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
For the XXXX time in the 26 months since taking over servicing of our mortgage, Nationstar Mortgage has failed to provide a monthly mortgage statement. This follows previous complaints about this same issue, with the first XXXX filed with the CFPB on XXXX XXXX, XXXX as Case number XXXX. The first complaint concerned not providing mortgage statements in XXXX and XXXX of XXXX. Nationstar then did not provide mortgage statements in XXXX and XXXX XXXX, and XXXX XXXX. That caused us to file complaint number XXXX on XXXX XXXX, XXXX. We subsequently also filed a complaint over the failure to provide the disclosures required by 12 CFR 1026.20 ( d ) between 210 and 240 days prior to the reset of a mortgage payment, and Nationstar refusing to provide a copy of the Note with " any modifications thereto '' as required by California Civil Code section 2943 ( b ). 

12 CFR 1026.41 provides the exceptions to providing a monthly statement, and our case does not fall within any of the exceptions. Nationstar has cited the existence of litigation as their excuse for not sending the required statements, but in our situation, only a filing of bankruptcy by a borrower provides a reason for not providing a mortgage statement. We have never filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EdFinancial Services
State: TX
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 made a final lump sum payment of {$11000.00} to edfinancial on XX/XX/2022 to end my outstanding loans on file with them. Shortly later in the month XXXX XXXX announces the loan forgiveness program which I would like to take advantage of, however I would like a refund of the payments I just made. I was told it would take 150 days from XX/XX/XXXX in order to receive the money back which is absolutely absurd and not fair treatment I would like to have the refund in a respectable amount of time not in 150 days. On top of that I have been hearing conflicting reports from multiple employees they need more staffing to handle the influx of requests. 

EdFinancial is giving ranges of 150 business days to a year while other service providers are processing within 4-6 weeks and sometimes within 2 weeks. No confirmation of request for X amount. You need the balance reinstated and refund ASAP for forgiveness eligibility. fined for misleading consumers and their latest data breach too

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I inquired about the $ XXXX monthly fee on account XXXX XXXX XXXX at Regions Bank late last year. I was told that if we have a paycheck direct deposited into the checking account, the fee would be waived. We pointed out that we do indeed have a paycheck direct deposited into that account every month and the branch manager said " he would take care of it ''. I've been charged {$8.00} a month ever since. I bring it up EVERY time I talk to anybody at Regions and they always assure me " they will take care of it ''. They have pulled {$48.00} out of my account in XXXX that should not have been taken out and it appears they will continue to do so indefinitely. This is WRONG!

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