BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Continental Finance Company, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was approved for XXXX Credit Card and received the card a few weeks later than promised. 

After receiving the credit card and getting everything set up with mobile app and auto payment, I noticed the amount of the credit card was reduced by {$150.00} instead of the {$75.00} fee that they outlined in my " Account Opening Disclosures '' documents. ( I have attached them for your review ) The annual fee was suppose to be {$75.00} initially, and my starting available credit was to be {$1100.00}. But what I am seeing is that they have charged me {$150.00} and my starting available credit is only {$1100.00}. ( Note that I have not used the credit card for any purchases ) I called on XXXX XXXX, 2023 at appx XXXX and spoke to a XXXX XXXX I explained the issue with XXXX and she told me that she did not understand why my available balance was not correct and that she was escalating the issue to the back for them to review and correct. She also said it would take about 48 to 72 hours to correct. I waited until XXXX XXXX, 2023 and checked and noticed that nothing had changed. 

I called a second time on XXXX XXXX, 2023 at appx XXXX and spoke to another XXXX who stated that she could see the issue and the notes from my 1st call. She stated that she was escalating the issue it should be resolved in in 72 hours. So today I have checked my account again and the issue has not been resolved.

At this point I feel that they are giving me the run around. I have attached the document that shows exactly what my credit limit is and what the annual fee should have been.

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 2023-03-27
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Dear Sir or Madam : I am writing to lodge a formal complaint against the Army & Air Force Exchange Service ( AAFES ) for initiating an improper involuntary allotment of {$280.00} with the DEFENSE FINANCE AND ACCOUNTING SERVICE ( DFAS ), scheduled to begin on XX/XX/2023. I have not received any response to my notice of dispute and billing error dated XX/XX/2023, citing the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601. 

As a victim of fraud, identity theft, and mishandling of my legal name, my Social Security account number has been traceable to federal and state government agencies systems of records and actions. This unfortunate situation has significantly impacted my financial well-being and credit standing. 

The repercussions of these criminal activities have caused considerable distress, and I have been actively working to rectify the situation, engaging with law enforcement, credit bureaus, and relevant government agencies. I am committed to resolving this issue and protecting my financial integrity. 

While I acknowledge that valid financial obligations are expected to be paid timely, the aforementioned fraudulent activities have resulted in erroneous financial obligations being attributed to me. Despite expressing a willingness to fulfill any valid financial obligations, AAFES has failed to respond to my notice requesting the corporations legal status of the payee identified on my billing statements and credit reports. More importantly, AAFES has not explained why the payee placed in the make check or money order payable to on the billing statement appears to be a non-existent entity. 

Please see attached documents for further details.

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 2023-04-11
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid my phone ( device ) completely then stop paying the monthly line for money issues and resulted in disconnection. Then XXXX XXXX gave my debt to a debt collector agency called Credit Control LLC and they dont have any evidence that I owe them anything. Also XXXX XXXX has been furnishing a late deliquency to all 3 of my credit reports without my consent. Under the law 15usc code 1681 in order for them to furnish anything they need my consent first which they didnt have. This unlawful act has damage my credit report for a year and a half now. they also didnt mention a finance charge that includes any document fees and loan fees when i took the phone in payment. Under the law 15 usc code 1605 the finance charge includes document fees and loan fees which they made ME pay when its already included. credit control llc has been sending emails considering there imaginary debt that i supposedly owe them, i asked to verify the debt and they cant.

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 2018-02-05
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I requested that the escrow account associated with my Mr. Cooper mortgage be cancelled. In response, Mr. Cooper granted my request on XX/XX/XXXX ( see Mr. Cooper correspondence ) and indicated that my XX/XX/XXXX payment would now be {$1600.00} ( principal and interest only ). However, despite Mr. Coopers assertions in their written correspondence, their payment site indicated that I still owed P & I and the escrow portion of {$880.00} for a total of {$2500.00}. As a result, I made my full payment on XX/XX/XXXX. ( See evidence of payment provided from Mr. Cooper via email. Also notice that the monthly payment on the receipt indicates that {$2500.00} was owed. ) On XX/XX/XXXX, I requested the status of my escrow account refund through Mr. Coopers secure messaging site. On XX/XX/XXXX, Mr. Cooper indicated that my escrow check was issued on XX/XX/XXXX ; however, the amount issued didnt include the most recent escrow payment I made on XX/XX/XXXX. On XX/XX/XXXX, I informed Mr. Cooper that they mistakenly applied the {$880.00} toward pay-down of the principal on XX/XX/XXXX, that their payment site didnt indicate that the {$880.00} would be applied to the principal ( meaning I never authorized the money to be used that way ) and that I needed this money to pay my XX/XX/XXXX local property taxes when theyre due in XX/XX/XXXX. Mr. Coopers response thus far has been to first deny reimbursing me the money, then indicating that Id receive a written response, then, upon receiving the written response, informing me that theyve deferred the decision until XX/XX/XXXX. At this  point, due to Mr. Coopers denials and delay tactics, I have no confidence that theyll reimburse me the full escrow amount that Im entitled to, and I fear that Ill have to make up the shortfall when my taxes are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint with your organization against my lender Nationstar/Mr. Cooper a few months ago. I was hopeful that Nationstar would understand my situation and agree to work with me towards a modified mortgage loan. Instead, Nationstar/Mr. Cooper has refused to negotiate and is claiming that there are no options for me other than deed in lieu or short sale. they are claiming this is due to the fact that the " investor '' only allows one loan modification over the 30 year life of the loan. Nationstar has not provided the name of the investor. they have not provided a copy of the pooling and servicing agreement. They have not provided documentation on the other loans in this tranche. This was a subprime loan with an interest rate that STARTED at 9.37 % and was written by XXXX. I would be ASTONISHED if this investor truly only allowed one modification per life of loan, because this was a toxic pool of loans that were adjustable with high interest rates. I am certain there have been multiple defaults and also many instances where there were multiple modifications. This appears to be an attempt by Nationstar/Mr. Cooper to obstruct me from access to government and internal programs that should be made available to homeowners in my situation. 

We encountered a true hardship in XX/XX/XXXX. My mother fell gravely ill and I had to travel to the XXXX XXXX to care for her. I was not able to work for several months while caring for her until she XXXX. Right when I returned my wife was laid off of her job so were financially strapped and that's when we fell behind. We attempted to work something out with Nationstar and could not make any progress. We hired a third party to help us and they did nothing. Several months ago we reached out to Nationstar to try and get them to complete a review because we have had a change in our financial circumstances. Nationstar ignored us, so we filed complaints and got their attention. However, even after doing that they refused to review this information. We are both working and have our adult children living with us who are contributing. I don't understand why they won't look at our information. Nationstar is claiming it is because we received a past modification and that the investor does not allow a second modification. I do not recall receiving a modification in XX/XX/XXXX. I do not recall an offer for a reduced interest rate and reduced payment. We were told on the phone that it looked good to qualify, but then on a future call that person was no longer working there and they told us no, it did not look like that option would be available. 

We need Nationstar to stop playing games and to postpone the upcoming sale date and actually conduct a review based on our current and correct financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Rubin & Yates, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am getting harassing phone calls from a debt collection agency who represents their self as a law firm saying I owe money to a company I never heard of. I did have a payday loan several years ago but it was paid as agreed at the time. This agency has even called my work place & only has a recording, not a real person, asking me to call another #. I called the # & was told I owed money to some payday loan which I do not. They asked me to prove I did n't owe the money & I told them to prove I did. They became very rude & I just hung up.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: DE
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:
I have attached the FTC report affidavit. I have still not received cure I required for the said accounts to be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX DE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
A card was applied for on XX/XX/XXXX of XXXX, using a mix of my stolen information by an unauthorized individual. I have been trying to dispute this since it was brought to my knowledge in XXXX when I was trying to get pre approval for a mortgage loan. I was surprised when my lender asked me about delinquent account. I have been trying to dispute this account from capital one ending in XXXX attached to an address that I have never lived at nor received mail at. It has only been reporting to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: CA
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:
Recently, I got declined by a credit card application and reject reasons are due to several delinquencies on my account. After paying a membership fee, I can see my latest Experian credit score and realized my credit score dropped XXXX points in one month but my other credit reports getting from XXXX and XXXX XXXX fine. On my Experian account, a Charged Off XXXX  XXXX XXXX ( XXXX ) credit account has been added on last month XXXX XXXX. After spending several hours calling Experian and XXXX  XXXX XXXX back and forth, XXXX told me they didnt see any delinquent XXXX  account under my identify and they didnt know why Experian added it under my credit report. After talking with Experian, I finally figured out that this charged off account is under different name without SSN. The only thing same is we have same last name. I already started disputed process with Experian and still waiting for their feedbacks. 
Actually, this is not first time such thing happening to me with Experian. In XXXX, I can not figure out why only my Experian credit score was so low. After I purchased membership with them, I found out there are several other persons delinquencies had been added under my account. I had to spend several weeks talking with their team and fixing it. Back to XXXX, I thought it just occasionally happens to me. However, today, I feel Experian just carelessly handles peoples information. What they are doing is not only wasting peoples time, but also hurting peoples life. Top on that, I have to pay a membership fee to check my credit report and all details in order to fix the issues caused by them. 
By the way, I didnt see same issues happening on me with other 2 credit bureaus.

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 2018-02-03
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
please see # XXXX : Mr.Cooper responded to every complaint with similar resolutions with the exception of the attached complaint #. Please confirm if this property located in XXXX is part of a flood disaster or not? This is not " potential '' Hurricane Harvey ( 2017 ), This disaster happened in the XXXX area with disastrous flooding. While Mr. Cooper has not responded to us in this respect, we shall continue to look for help elsewhere. Furthermore, the lastest response addressed the company could not substantiate claims that we were told our payment would be less than the trial payments. If all calls or monitored as indicated, please review calls I made to speak with a Mr. Cooper representative. Although, ( it was Nations Star at the time, I made a call to Nation Star questioning the trial payments, this call would have been during the time we learn of the first trial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Protas, Spivok & Collins. LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent a letter to this firm on a debt to Protas, Spivok & Collins , LLC. To please send me the information on this dept, ( as per the sample letter you provide. The letter was sent Certify mail. So I can obtain proof of my actions within the thirty days. They have returned a reply, with a some papers that was looked up online. No original signatures, No Statement of last activity of the account. they stated its a judgement, but not on my credit report. ( SOL must of ran out, if it was on their ). I will send them another Certified letter again but highlighted with info required and have it notarized. I will also give them a order to stop until proper info has been provided on this debt. That I will take full legal actions against their firm in the state of Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please find the payoff statement reflecting the recording charges listed in the payoff ( recording fees ). We received the original unrecorded documents and see that the lender is keeping these fees and sent out the documents to be recorded with the recording fees expected to be paid again by the seller. 

This appears to be they are overcharging and may be happening to a significant degree. 

We hope to find some resolution to this over charge and why did they keep the recording fees if they did not intend to record the documents removing the lien. 

Thank you, XXXX XXXX-Owner XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX Nationstar Mortgage I was informed that my loan modification payment would be XXXX/month I received a notice to pay XXXX XX/XX/2018 with a 7.2 % interest rate. 
This company has collected government payments under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: SYNCHRONY FINANCIAL
State: NM
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, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681section 604 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 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. 

XXXX  XX/XX/2016

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 2023-05-10
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 belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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 non-monetary relief
Consumer complaint received 2018-01-31
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When set my account up for autopay when Nationstar first took over the servicing of my loan, five years ago. 

My mortgage payments were auto drafted from my account without incident until XX/XX/XXXX, when my mortgage payment was not autodrafted. 

I was not notified that my payment was not autodrafted or even that my autopay would be ending. Instead, I received twice weekly cold-calls/emails from Nationstar regarding refinancing my loan. 

I even spoke with Nationstar representatives on XX/XX/XXXX and was never informed that my account was delinquent or that my autopay had ended. Instead, I was solicited again regarding refinancing. 

Fortunately, I checked my bank account and say that the payment was never drafted on XX/XX/XXXX and called to get my late fee removed, but I received no answer as to why that payment was not autodrafted. Or an explanation why I did not receive electronic notification of the delinquency/autodraft failure..particularly when all my communications with Nationstar were electronic and I received so many marketing/refinancing solicitations from Nationstar during XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I purchased clothes from XXXX XXXX XXXX. These clothes totaled {$120.00}. I received them damaged with holes and broken zipper. I filed a dispute because they refused to exchange or refund my money and my bank credited me the amount and now are telling me my claim was denied and I will have to pay it back because of their no return policy, however their policy also states that they will exchange if they send an incorrect item.. I did not order items with holes or broken zippers.

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