BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Nationstar now known as Mr. Cooper. I was filing an appeal regarding my taxes and since I had not had my appeal hearing the taxes due were 85 % of the possible taxes due. Nationstar paid this amount. Early XX/XX/XXXX as a result of my appeal there was an additional amount due of {$240.00} due. I received a past due bill from the county.  I contacted my mortgage company on XX/XX/XXXX and was given an address to email the bill and was told it would be taken care of. Well it hasnt. I called back about 10 days later and spoke to a XXXX who advised that she had escalated it and that it would be taken care of by XX/XX/XXXX.  Still not handled. I called yesterday XX/XX/XXXX and spoke to XXXX. She said I didnt have any past due taxes. I explained the situation to her again and she advised that if it was approved it would be paid within 5 days. I asked to speak to a manager. I spoke to XXXX and she advised that she would send the information again and that it would take 5 days but told me that she would contact me today. I heard nothing. I have an escrow account with them and they are not taking care of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves 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 2022-10-09
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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 2023-02-15
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt off with XXXX apartments, and National Credit syst. picked it up and i disputed it, and my credit score drop another XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit 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 2020-06-16
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:
The following information is fraudulent. Enclosed is a police report and FTC Identity Theft affidavit. The following items are due to fraudulent activity - XXXX XXXX, {$2200.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX XXXX XXXX, {$4500.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX, {$130.00}, Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar continues to send me incorrect billing statement, and refuses to correct any past billing issues. They continue to charge me {$68.00} for " lender paid '' expenses, and any excess payments disappear! The lender paid expenses in question were paid in full as of XX/XX/XXXX. Additionally as of XX/XX/XXXX an escrow analysis was completed, which increases my payments by {$48.00}, with a new monthly payment of {$1700.00}. My monthly mortgage statements reflect an actual payment due of {$1700.00}, this is only a minor difference of {$4.00}, but if it is happening to all Nationstar customers sounds illegal! 
Nationstar also refuses to explain or investigate how over 10k in payments, from XX/XX/XXXX- XX/XX/XXXX, disappeared! Nationstar assigned account representatives also lack common courtesy to reply to written communication. ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a forbearance plan in XX/XX/XXXX due to hurricane Irma for a term of 3 months. I was told they would just add the 3 months to the end of my loan term. Then I found out on XX/XX/XXXX during the modification process they paid my property taxes in the amount of {$1200.00} and forced me to have a ecrow account if I modified my loan. I was told on that day that if I sent a faxed letter to them that they would cancel the modification of the loan and the escrow account. I also needed to pay back the 3 mortgage payments back which I did on XX/XX/XXXX in the amount of {$3200.00} I faxed the letter and documents to them on XX/XX/XXXX and repaid the taxes in the amount of {$1200.00} on XX/XX/XXXX. My account is still showing an escrow of {$410.00} per month on my statement that I just received dated XXXX, which I did not approve and requested cancellation of. I have sent another letter to customer service the end of XX/XX/XXXX but no response. I just want my mortgage payment back to XXXX monthly payment with no escrow account. I believe they never applied my payments for the taxes correctly either. I have called several times and can not get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, my name is XXXX XXXX last year I entered a loan modification with then Nationstar Mortgage, now Mr. Cooper. 
I received a letter from the Attorney that assisted me with my Bankruptcy in XX/XX/XXXX from Mr. Cooper stating that if I was having trouble making my loan payments, when I tried to contact Mr. Cooper I received three different answers from three people whom I spoke to lastly end with a gentleman by the name of XXXX ( employee # XXXX ) and this gentleman informed me that he really couldn't speak to me regarding the mortgage because the bankruptcy attorney needed to forward a letter of release if i'm not mistaken and this letter would allow them to speak to me regarding the loan. 
But I was informed by XXXX that the months of XXXX, XXXX, XXXX, XXXX and XXXX were not paid. 
I was trying to explain to XXXX that this was an error and I have a letter from the mortgage company Dated XXXX XXXX that the mortgage was ahead and the next payment due was XX/XX/XXXX that being said I did a payment on XX/XX/XXXX in the amount of {$760.00} ( confirmation # XXXX ) which I thought would have kept current but from what I was told no at worst case I could understand them saying XXXX is still due. 
I feel that the errors should be corrected and that Mr. Cooper remove all negative information from all three of Major Credit Bureaus and I also would like to file a complaint against them for predatory lending Practices. 
in the Pdf. you will see all of the documents I make reference to but the payment made XX/XX/XXXX the confirmation number was given for reference thank you thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Adler Wallach & Associates, Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've been the victim of ID theft, I have had all of my personal information compromised and lots of accounts opened in my name and also and IRS fraudulent tax return filed. I have a recent dispute the credit bureau because of have dispute some fraudulent accounts with them and they have yet to remove them from my account. I 've sent them police reports and other supporting documentation ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is not mine and could probably be a friends of an ex boyfriend. Its been a nightmare. I was told to direct my complaint to this institution to be taken off my credit report. 


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 explanation
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX. 
Employment should be : XXXX. 
Status divorced should be removed. 
Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file. 
Problem with fraud alert or security freezes placed without my authorization should be removed. 
Showing a delinquent account when it's not. 
Account balances being reported incorrectly. 
Lenders management of accounts reporting incorrect information causing negative impact to credit files. 
Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment. 
Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; Information. Research XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/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 explanation
Consumer complaint received 2022-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 a Bank of America XXXX Credit Card with a credit limit of {$24000.00} was opened in my name. I have called Bank of America 's customer service line XXXX times to have the credit card shut down, often spending 30+ min on hold and constantly getting passed around from one agent to another. To date, I have gotten emails that a credit card has been sent to me, I've called Bank of America to repeatedly tell them I did not open the account. The last call was on XXXX, a month after this account was opened, where I spent over 30 min on the phone with no one to help resolve my issue.

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 2018-03-10
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX ( Mr. Cooper ) has moved to the Notice of Trustee Sale on my home withouth first providing the requisite Notice of Pre-Foreclosure Options ( NOPFO ) as per WA. RCW. 61.24.030 ( 8 ) and RCW 61.24.031 ( 5 ) ( a ). This is a clear, specific violation of the Deed of Trust Act and the sale should be  terminated immediately. The previous Sale attempt was cancelled by Washington 's Department of Financial Institutions for this exact same reason ... failure to provide the NOPFO and yet again they are trying to steamroll right over me to sell my home without compliying with Washington law. 
Please see my attached complaint for complete details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I signed documents for a mortgage with Chase Bank and after months of not hearing from my agent, I began trying to contact the loan officer, the Chase Bank website, phone calls, and texting. I asked to speak with a supervisor. Previously I had submitted an application in XXXX, but was told the amount that I had qualify for, it was not enough money for a home loan in the range that I needed. The agent finally contact me and said that I would have to go through the process all over again because my application had expired. I then made several attempts to contact a supervisor. When I reached the supervisor I told him that I had my credit report ran twice before and this would be the third time. I asked him if he could remove 1 or more of the inquires so that my credit could be ran again and he could not make that decision he would have to forward my file to another department and they would call me which they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The unauthorized transaction happened on XX/XX/2023 XXXX. The item was purchased on Apple online and pick up in the store ( XXXX XXXX Apple store ). As soon as I saw the notification, I reached out to the Goldman Sachs Apple support team. I told them it was an unauthorized charge. The charge was disputed and I had all my card numbers replaced. Few days later, the transaction still went through and someone picked up the item in the store by using my ID. My dispute got rebilled several times till now. Got a report from Goldman Sachs showing details that I made the purchase and picked up. Seems like the thief has all my personal information including my name, address, phone number, card number, and even my XXXX address. However, I was never there when the item was picked up. I do not own the item, and I do not know who has it. The person used guest checkout when making the purchase. The support team from Goldman Sachs refused to do further investigation. 

( XX/XX/2023 ) I made complaints on XXXX  and CFPB. I also went to my local authority to file a report. However, officer there said that I needed an affidavit letter from Goldman Sachs stating that this transaction was a fraud. I reached out to GS support and asked about the affidavit letter but the person said she couldn't help me with that. I didn't know who to reach out. I held on the report and waited to see if XXXX  or CFPB would push them to do more investigation. But no. 

( XX/XX/2023 ) One of the GS support team manager reached out to me earlier today said that he saw the complaint on XXXX  and told me that there's nothing else they can do unless I provide additional evidence or I can just file a report to my local authority. He couldn't even tell me what kind of additional evidence I can provide. I told him that I want to file a police report and the police officer so that they can know what actually happened that day in the store. The police officer told me that I need an affidavit letter from GS stating that this transaction was a fraud, so that they can start with the investigation. But the GS manager refused to provide the letter. 

I don't understand the logic here. GS wants me to file a police report and provide additional evidence, but they refuse to let the progress start. I even filled out FTC Identity Theft Affidavit report. I now have all the documents ready for filing the report, except for that affidavit letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
In XX/XX/XXXX I sent a physical letter to XXXX, XXXX  and Trans Union informing them there were inaccuracies in my credit report and that I was requesting a copy of my free credit report of which I am entitled as per the FCRA.The only company to send my report was XXXX, It has now been more than 90 days and I still have not received a copy of my credit report from XXXX  or TransUnion.

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 2022-03-06
Company: Carvana Group, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Terrible experience. I bought a XXXX XXXX XXXX XXXX XXXX. It died within three days of receiving it. I gave Carvana the benefit of the doubt and swapped it for the same model and year at the same price but with XXXX more miles. I was notified day of delivery that the second car had a damaged moonroof headliner which was not shown nor disclosed in the online photos or description. The delivery driver said they would write a ticket for it to be fixed through their warranty program. The replacement car showed the same symptoms as the first one " Service Required '' " Low Battery '' within 24 hours and died in my garage within three days. I called requesting a solution. Their solution was to take it to their warranty partners to get it fixed or swap it one more time. BUT if there were any issues with the second swap, then I would be stuck with the car and have to go through their warranty program for repairs. When I did more research, the first car they delivered to me arrived to them dead. Carvana took the car to XXXX XXXX for diagnostics and repair. Carvana only disclosed to me via phone that the check engine light was on and the car just needed a downstream O2 sensor replaced which would extend my pick up time. I agreed. I asked about the repair and the guy told me he had no idea what it meant or the impact, that's all the info he had. When I picked up the car, he told me they also replaced the battery with a new one. There is NO way the two cars I received were in their inventory with no issues. There was no ability to speak to anyone other than a customer advocate. After the second car died, I called to request my money back but no one knew how to update the system or figure out what needed to happen to proceed. I respectfully requested they reach out to management to figure out next steps instead of talking back and forth on the call and never received a call back. Carvana is selling cars that put owners and other drivers in danger and take no responsibility. The process for selling your car to them is very easy, but steer clear of buying a car from them. The only positive experience was the customer service from XXXX and the second delivery driver - his last name was XXXX. I talked to multiple people throughout this process and they were the only people I spoke with during the whole fiasco that were knowledgeable and helpful. Also a heads up, if you swap, you have to sign a new purchase contract and every time you sign, it's a hard hit to your credit regardless of whether you return the car or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NC
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. 
XXXX  Account # 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 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 explanation