BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-07
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I purchased my condo and took a mortgage with XXXX XXXX. After close, the loan was sold to Nationstar XX/XX/XXXX. This morning I called Nationstar and asked them that if I was to pay an additional lump sum amount toward my principal, how would they treat it ( a ) reduce monthly payment, or XXXX b ) reduce loan tenor or ( c XXXX a combination XXXX Nationstar responded that I could pay down on the principal but they would not reduce my monthly payment nor issue a revised/shortened amortisation schedule. Their reason being that they are a servicer and can not run new amortization schedules. When I asked, how would I know the final maturity date on my loan, they said I could figure that out on XXXX or go to bank XXXX As for how my monthly payment is being applied, they said I could see that each month on my statement, but they could not issue a new amortization schedule. 
I find this disturbing and hard to understand - As a servicer if their system can generate invoices and apply payments then its not possible that it can not generate an amortization schedule. So I am not convinced that this is a case of 'inability '. It appears more to be their unwillingness, in which case I question their integrity i.e. what do they have to hide? why this lack of transparency to how a customer 's money is applied and maturity date. 
Is this even legal? Can they take my money but refuse to modify payments or amortization period? The Nation star customer service manager said I could modify maturity through refinancing!!!! So while the contract says there is no pre-payment penalty by forcing me to refinance to get a new amortization schedule they are making money off me in another way. Seems like my choice is to be stuck in a 30 year mortgage or pre-pay and rely on their word that they will correctly apply my monthly payment to a reduced principal balance and keep paying with no line of sight to final maturity.

Company response to consumer: Closed
Consumer complaint received 2023-06-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/23 we filed 3 affidavits of fraudulent use of our checking and savings accounts at the XXXX XXXX in XXXX NJ. 3 checks were split deposit with cash back totaling approximately {$6400.00} at XXXX branches in XXXX NJ. The checks used by a perpetrator were not even micro encoded with Bank account or routing number. In addition, checks were not endorsed with signature. In addition, we seldom go into a branch, which would only be in XXXX NJ, we use online banking, electronic banking and ATMs. NOW XXXX IS TELLLING US OUR CREDIT CAN TAKE UP TO 30 DAYS!!!!!! These transactions were not performed by us, they were negligence on the part of the the XXXX staff - banking 101!. There is no reason for them not to credit our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up a payment plan with the company spoke to someone on the phone 3 weeks ago. They lied to me when and said they money owed could be split into four payments. I said on the phone I do dont want anything auto withdrawn then this Friday the XXXX they withdrew the entire amount with no permission to do so and refuse to reverse the charge leaving me with no money. Saying I agreed to auto withdrawals on an agreement but was told the agreement was the exact opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My complaint concerns a check sent to me by the United States Treasury, which was intercepted during transfer, stolen, and cashed fraudulently. The check was deposited to an account at the Navy Federal Credit Union by a person other than myself and who did not have my authorization to do so. 

I do not have an account at the Navy Federal Credit Union, so their agent recommended that I contact CFPB for assistance.

I have attached photocopies of the front and back of the check that was cashed fraudulently.. The back of the check contains account numbers and additional information that should be sufficient to identify the responsible party. This information should reported to the appropriate authorities.

Please note : In the event that CFBP is not the appropriate agency to pursue a claim of fraud as described above, please either forward my complaint to the appropriate Federal agency or kindly provide information that will enable me to follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern it seems XXXX XXXX and equifax are missing my phone # so i wanted to update this with both as my main line is XXXX ( cell ) and my back up line is XXXX. Just want to get this updated asap thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing because I am a member of XXXX XXXX XXXXXXXX XXXX  and I am low to no income I had mo rent and it is a mistake I shouldn't have an eviction I was not taken to court. And also its causing me to be homeless with my daughter right now with my housing voucher due to being noted eviction and it honestly isn't I haven't been evicted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Trans Union is sill violating my rights & breaking the law. By The Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Trans Union is required by federal law to verify this bankruptcy on my report & they never did with physical proof. Trans Union had 30 days to prove & it's been almost 5 months! I sent them a letter from the Bankruptcy courts stating they do not report to the credit bureaus & yet Trans Union is still reporting fraud! Trans Union uses a 3rd party company to collect public info & that is against the law & any one can use your info. fraudulently. This bankruptcy is scheduled to be removed XX/XX/2023 any way, however, that is too long!! This Error Trans Union is reporting, is messing up my ability to obtain further credit for a home & car. Furthermore, XXXX XXXX XXXX have already removed this Bankruptcy, because they follow the law. I would appreciate Trans Union stop breaking the law, violating me & remove this Bankruptcy immediately. 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
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-10-24
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: PR
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 disputed with all three credit bureaus.XXXX, Experian and XXXX the inaccurate information they are reporting on two XXXX XXXX charge off accounts from XXXX. They continue reporting a balance on both accounts although these accounts have been charged off since XXXX therefore further damaging my credit when I am trying to purchase a home. I understand that this type of reporting is unalwful per FCRA section 1681. I have submitted letters and have called all three agencies and have been unable to have this inaccurate information removed since XX/XX/XXXX. My last letter was sent XX/XX/XXXX and my last phone call to them was made XX/XX/XXXX. Accounts that have been charged off should not be reporting a balance. They continue to report 10 late payments on my student loans although I have submitted to them a letter from my student loan servicer XXXX that their are no late payments on my loans ( 10 loans ) and they still refuse to update this information. If any additional information is needed to resolve these issues please contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I and my husband XXXX XXXX went to the Wells Fargo Bank ( WF ) at XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, NC XXXX to withdraw {$100000.00} from our Savings account which currently had {$230000.00}. 
I was told I would be charged {$10.00} for a check in this amount. I told the teller, XXXX, I should not have to pay to get my own money from my own account and was told that was Wells Fargo policy and I could complain to the CEO. I said I would. I told her instead of a check that would cost me {$10.00} I would take my {$100000.00} in cash. I was then told I couldn't do that as they did not have {$100000.00} to give me. Not good! 
So I wrote a check for {$10.00} out of my checking account ( a different bank ) in order to get my own money ( via WF cashier check serial # XXXX account # XXXX, transaction # XXXX XXXX at XXXX pm for the fee and transaction # XXXX XXXX at XXXX to get my {$100000.00} ). My purpose for withdrawing these funds was to set up a savings account at a different bank which would pay me far more interest than WF does. 
I don't think this is right as Wells Fargo denied me access to my money unless I paid them to get it. 
I believe I deserve at least my {$10.00} back from them and this practice should be stopped! It is just XXXX more of the awful things Wells Fargo has been doing to consumers. I will, as soon as I get some of my drafts set up in a different bank, get ALL of my funds out of Wells Fargo and will probably have to give them another {$10.00} to do that if your organization doesn't stop it.

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 2022-09-26
Company: Genesis FS Card Services, Inc.
State: MN
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 Account # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan is services my Nationstar, the loan itself is roughly 4years old. My escrow was set at a certain amount every month. Someone at Nationstar filed my insurance of the PMI incorrect and it made my payment skyrocket. I have called XXXX different times to get it resolved. At first it was even hard to talk to someone that could understand my situation. Finally after being transferred over and over I was led to a woman who was able to tell me that I owed the money for their mistake. I did n't give up there because reading online it seems this is unethical and bad business practice. I was then put in contact with a manager of the insurance department. He was very nice and took my information down and assured me they would figure something out. He called me the day after and said he was still working on it, which was a change of pace from how I was treated earlier. I thought I was in good hands. I was wrong because I let it go about 32 days and called him back. I left XXXX voicemails over 2 weeks thinking he was going to get back to me. I could n't be any more wrong. He has yet to call back and my payment is still higher than what I signed for. I have not missed my payment over the life of my house in 9 years. I do n't intend to start now. This company is to put it lightly, making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lost our house because Nationstar forced us to insure our home for XXXX ( only worth XXXX ) because it was over XXXX square feet. On top of that we are in a flood plain and had to purchase matching flood insurance. our payment went from a comfortable XXXX to almost XXXX per month. This was our home. We were proud of it and had to make a very difficult decision to walk away because after after 4 years of paying the high payment we were drowning and no one from Nationstar was willing to help. I 'm sad to drive by and see that the house has been sitting empty for almost three years. Would n't it have been wiser to work with us oon making it affordable. They tried to auction it off and could n't even get any buyers. It breaks my heart everyday cause our memories are there and we miss it. Now it just sits empty falling apart unsellable.

Company response to consumer: Closed
Consumer complaint received 2022-11-05
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I purchased a product online from a company called XXXX XXXX -- at the time the company 's website was active at XXXX. The site uses Afterpay, a buy-now-pay-later type of website to process the customer payment. 

After the purchase, I started researching XXXX online and found multiple consumer complaints that items were purchased but never delivered, often in the hundreds of dollars, and that the company would never respond to inquiries requesting a status or purchase update. 

I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX demanding that the order be canceled and my initial XXXX of XXXX Afterpay payments be refunded. Concurrently since XX/XX/XXXX, I have at least XXXX back-and-forth emails begging Afterpay customer service for a refund due to the fraudulent transaction. At every step, Afterpay refuses to resolve the matter, only providing vague updates that their merchant business unit is looking into the matter. I have demanded but been denied an opportunity to speak directly by phone with a company representative to explain the issue.

Company response to consumer: Closed with monetary relief