BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-12
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received my payoff quote from my lender, Nationstar Mortgage. There is an unusually high " other fee '' amount for {$1700.00}. Called Nationstar, talked with a rep. They said my account was tagged with a " referral fee '' back on XXXX XXXX, 2013. I asked what this " referral fee '' was for. They have no information for me. But it is on my payoff quote. Now, they are sending my request of disclosure to their research department and will get back to me in 7 business days with the details of this " referral fee ''. 
I am 5 weeks into my refi and this throws the breaks on it. This fee can not be rolled into my new loan and I will have to pay it in full at closing and prove that I have the money to do so with bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Dave Operating, LLC
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
The company cash advance system is Rigged! I applied for an advance XXXX weeks ago for {$400.00} and paid it a day early. It is still processing to settle. The website states that it could take up to 5 days. The advance paydate was XX/XX/. I paid it XX/XX/XXXX XXXX XXXX I have multiple tickets open and still haven't heard anything I was told that i would get reimbursed 3 months credit worth of membership fees. However, I am still getting charged. Nothing anyone says that works there is true.I even read the reviews and noticed that a simular situation happened with another member back in XX/XX/XXXX XXXX They are reporting to the credit bureau that the payment is late. This is False!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: American Financial Network Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company : American Financial Network , Inc . 
| NMLS # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Company personnel failed to conduct themselves in a professional manner that proved detrimental to my refinance process. Lending company utilized a 3rd party appraisal company and failed to follow up when appraisal was not only inaccurate, but misleading. instead of working with buyer to rectify situation within the 24 hour period, company negligently sat on accurate property information, which was requested to address the inaccurate appraisal report. Loan officer advised appraisal was already submitted on Wednesday XX/XX/XXXX with 24-48 hour turnaround ; however, after I had to chase down leads on XX/XX/XXXX to gain an accurate status to eventually speak with the actual appraiser whom informed he'd never received any request to redo the appraisal. Company then displayed ineffective and egregious communication tactics which caused the required comps to refute the original appraisal of property to become invalid. Company was aware of the inaccurate appraisal report and overcharge of said report and informed me to " deal with it, as appraisal company does not have oversight ''. When I informed that was unacceptable, company responded in aggressive tone and demeanor, with the attempt to gaslight into silence. I have attempted multiple emails to cancel this process and am actively being ignored by the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: MD
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2015-05-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Name is XXXX XXXX XXXX and I am XXXX years old I have an Apartment in XXXX Florida which I have a mortgage with Nationstar Mortgage Loan Number XXXX. Original Mortgage was with XXXX XXXX XXXX and it was transferred to Nationstar Mortgage. Since it was transferred to Nationstar we receive call all day for late payments since one year. We have called the bank many times to see what the cause of these calls are but they are not sure why our number is in automated system for collection. We spoke to customer service and they told us XXXX 2014 payment is missing which we provided proof of payment still the calls keep coming in at odd hours and disturb over quite time. Its continues harassment for payment which we already paid. I would like CFPB to Investigate this case and help to resolve it as we have been trying for a year with no result. Its understandable if we were not paying the mortgage but we are current on the mortgage and still we get harassed by the bank. Attached is the proof of payment for 12 months more can be provided if requested. But we seriously need help to resolve this as its effecting my health.Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Contact XXXX My Nephew # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. ) Nationstar Mortgage increased my mortgage payment just 4 months after both/all of us completed an exhaustive in-depth modification & refinancing. We both agreed my payment would be ; {$500.00} monthly @ 4 % for a 40 years note. Nationstar jacked my payment another $ 50 monthly to {$550.00}. In 40 years @ 4 %, that equals another {$24000.00} going to Nationstar. Also, they could jack the payment again without my signature or approval tomorrow. 
Nationstar said it was needed for escrow. I reminded them that they just completed a loan mod-refi only 4 months ago which examined the escrow needed. 
I only get {$1200.00}. per month XXXX since being injured on XXXX XXXX XXXX XXXX so a {$50.00} monthly increase is a big deal to me. 
For Nationstar, it 's {$24000.00} more in their pocket. And within XXXX, possibly just 2 years, i could be " Escrow-Increased '' out of my XXXX bedroom, XXXX bath home. 

2. ) Please make Nationstar honor their 40 year agreement that my mortgage payment stay at {$500.00} as we both agreed and signed to. Also, i did not change or alter my property nor did i file any claims which might affect the escrow insurance. Nothing has changed since we passed " signed '' papers 4 months ago ( XX/XX/XXXX-XX/XX/2015 ). 

3. ) I am the 'disabled ' homeowner adversely affected by Nationstar debt collector who portray themselves as a mortgage company. 

4. ) Homeowner 's mortgage. 

5. ) Review ; Four months earlier, Nationstar went over every little detail for my loan modification, especially escrow, taxes and insurance as we finalized, agreed and signed a 40 year note. 
What good is that mortgage contract if Nationstar can keep 'unilaterally ' increasing the monthly payment by {$100.00}. each year crying " escrow ''. In 3 years, my {$500.00}. payment will become {$800.00}. per month taken out of my {$1200.00}. Soc sec. XXXX. Two more years and i will have to give them {$1000.00}. a month out of {$1200.00} ... ... ... ... ... ..Keep in mind, some years, we do not receive an annual increase from SSI. 

i 'll be homeless again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : XXXX  - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX  XXXX XXXX  XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation may have occurred due to a misunderstanding or mistake, as I have always strived to abide by PayPal 's policies and guidelines. 

I wish to clarify that, to the best of my knowledge, I have not engaged in any activities that would warrant such a severe measure. I value the trust and reputation of my PayPal account and have used it responsibly for my online transactions. 

In light of these considerations, I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into the matter. If any discrepancies or misunderstandings have led to this limitation, I am more than willing to provide any necessary documentation or information to assist in the resolution process. 

Having relied on PayPal for secure and convenient online financial transactions, this limitation has caused significant inconvenience and distress. Therefore, I respectfully ask for your prompt attention to this matter and a reconsideration of my account 's status. 

I appreciate your time and understanding in this regard. Restoring my PayPal account would not only alleviate my current difficulties but also allow me to continue benefiting from the services your platform provides. 

Thank you for your prompt attention to this appeal. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have notified Transunion that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX BANK XXXX CO {$2900.00}

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 2022-10-03
Company: EQUIFAX, INC.
State: MS
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 2021-12-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I filed a claim with Wells Fargo because there were numerous large amounts of debits from my account. I have spoken to the claims department about it several times since then and to no avail, nothing has been done. The amounts totaled {$6800.00} on 5 different occasions. I was told that the merchant was located in XXXX but then was told that they never contacted the merchant. Wells Fargo did nothing in my regard to help me recover my funds but instead denied my claim, they never did their due diligence. On XX/XX/2021 I spoke to them again and was told that there was nothing more they could to help me and for me to file a police report. I said ok and once I Called back to ask what should i tell the officer, I was then told that its doesn't matter and not to file a report because my case was closed and that it wouldn't help me at all. So on XX/XX/2021 I contacted Wells Fargo corporate office and they submitted a message to the claims department for them to call me back and they never did, and even prior to this they still never called ma back as stated. I have yet to talk to anybody in regards to my claim. I literally just talked to corporate again today and I was told I will receive a call in 10 days. Thats what they have told me 7 times already and I still have not received one phone call.

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 2023-05-22
Company: EQUIFAX, 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 Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX2021 I, a consumer, a natural person, received Pre-qualification Letter from XXXX XXXX XXXX XXXX for {$50000.00}. XXXX-2021 I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX and spoke to Finance Manager XXXX XXXX about using my pre-qualified XXXX XXXX letter to purchase an vehicle. He told me that they don't accept XXXX XXXX after asking me to fill out a credit application. After I extended my credit, XXXX proceeds to tell me that the only way I can purchase the vehicle is with a cash down payment, add a joint applicant or will talk to XXXX Finance Director to " see what they can do. '' and XXXX will get back to me. I followed up with XXXX XXXX who told me there was nothing he can do. I left voicemails with XXXX XXXX, Financing Director to call me back and he never did. In Summary, FORD MOTOR CORP and XXXX XXXX XXXX took adverse action against my rights as a consumer by denying my credit, Discrimination with respect to any aspect of the credit transaction pursuit to 15 US CODE 1691, and unfair deceptive and abusive acts of practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Source : XXXX XXXX : XXXX  Address : app. XXXX XXXX, XXXX, IN XXXX Phone : XXXX This company came up as an Hard Inquiry on my credit report on XX/XX/22 on XXXX XXXX XXXX XXXX I didnt apply for any credit. I have fraud protection so I dont understand how someone could us my name to open up new creator. Usually the company calls me before proceeding.Can you please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have never been 30 days late. I contacted the company when I returned from XXXX XXXX. I had asked for electronic billing at least XXXX months before, and the company never updated my data until later in XXXX 

I was in XXXX with no internet access in XXXX and no access to clearly could not get US Mail. 

As soon as I returned, I called the company and complained that they didn't send me an electronic notice, and I paid the balance in that call. Its never been XXXX days as reported in XX/XX/XXXX XXXX 

I was assured that my payment history wasn't negative, but I see it reported paid as agreed, with no delinquencies. I paid {$300.00} in XXXX in two payments of {$300.00} within ten days of each other, which clearly shows that I wasn't delinquent 30-59 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: Boich Law Offices
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX, phone XXXX, has been sending me notification of a debt, but absolutely no details on the original account or the proof of claim. The Agency listed is the Department of Taxation. I contacted them and they said that I have no outstanding debts. I have refunds on all of my tax returns for the past ten years. If I owed anything, they would have seized my refund. 
Bloich representatives continue to call despite my request for all communication in writing. So far they have refused to send me the documentation with a copy of the original debt and the legal documents that verify Bloich 's ownership of the debt. I can not audit a debts and verify its legality based on " Principal ... .Interest ... Amount Owed. '' I sent three requests to the Ohio Attorney General 's Office and they provided no information on XXXX XXXX 's claim. I do have zombie debts from a 16 year old chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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