BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage company utilizing champion mortgage as its servicer. Upon my mother 's XXXX I attempted to utilize the short pay process to buy the home. I am the son and administrator of the estate. During the course of the short pay process the mortgage companies proceeded with a foreclosure action and in violation of federal laws and mandates prohibiting the same, applied for and obtained a judgment of foreclosure and sale date which has been extended to X/XX/17. While I have attempted to pay off the balance of the mortgage the companies refuse to set forth any detail of the amount owed. They are charging thousands of dollars for a homeowners insurance policy without my knowledge and concern and during which time I always had such a policy in full force and effect. They are also charging many hundreds of dollars for interest on the insurance policies and for property taxes ( not otherwise owed, either ) because it was paid. THEY ARE STEALING MY HOME AND THE FEDERAL GOVERNMENT MUST IMMEDIATELY STEP IN AND STOP THEIR ACTIONS. ONLY AFTER THEIR OBTAINING A JUDGMENT OF FORECLOSURE AGAINST ME AND PUT THE PROPERTY UP FOR SALE DID THEY DENY MY SHORT SALE PROCESS OR " LOSS MITIGATION PACKAGE ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Champion Mortgage erroneously force placed flood and hazard insurance in the amount of {$6700.00} causing my balance to become negative and putting the loan in default. Valid insurance was in place for the period XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX Champion generated a " Notice of Condominium Insurance Requirement ''. I received that by USPS on or about XX/XX/XXXX. I  notified Champion I indeed have the insurance and put them in touch with the condominium manager to verify. Force placement occurred XX/XX/XXXX. On XX/XX/XXXX we again sent the XXXX policy to Champion showing proof of insurance. XXXX statement dated XX/XX/XXXX received on or about XX/XX/XXXX reflected same charges and default of mortgage.Countless phone calls and faxes proving  insurance in place finally yielded a " Notice of Force Placed Insurance Cancellation '' dated XX/XX/XXXX received on or about XX/XX/XXXX. However no funds have been deposited back in the account thereby leaving the loan in a defaulted status. More letters from Champion on XX/XX/XXXX and XX/XX/XXXX asking for proof of insurance even after receiving the Cancellation of Force Placed Insurance notice! Again, after hours of phone calls Champion agreed that the monies should be credited back but as of today, XX/XX/XXXX no such action has occurred and the loan remains in default. I am afraid other charges will accrue and my credit is being hurt. Champion continues to provide no answers as to when the monies will be credited and what they will do the repair any damage to my credit. I continually have to speak with different people and explain the error they made over and over only to have to next person tell me they see it in the system but there is nothing they can do. An appraiser came to the house today and Champion said it was because the loan was in default. Today at XXXX XXXX they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted EdFinancial on XX/XX/XXXX requesting a refund of my payments during Covid under the cares act. On XX/XX/XXXX I received email confirmation of this request, and was informed it may take up to 150 days to process my refund. I also received a document stating my request which said I would be refunded within 45-60 days. I have called multiple times and they have no updates available on my refund. I need to apply for loan forgiveness as soon as possible to avoid interest accruing, but am uncomfortable doing so until I receive my refund payment. It has now been XXXX weeks and I still have no updates or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this account several times to the credit bureaus. I have sent them a copy of the debt cancellation letter and its still not being removed. Please help I called XXXX Bank and they have said there isnt anything else they can do This is a XXXX XXXX/XXXX  bank account.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 non-monetary relief
Consumer complaint received 2022-10-15
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
My due date for American Express was XX/XX/XXXX. I ordered full balance payment through my bank on XX/XX/XXXX, unfortunately the payment didnt get to American Express XXXX XX/XX/XXXX. With this 1 day late, they charged me interest on XX/XX/XXXX. At the end of XXXX, I again paid my balance in full before the due date. However, XX/XX/XXXX they charged me interest for XXXX balance again. I called twice trying to resolve this. When I called, they confirmed that they received the full payment of XXXX statement on XX/XX/XXXX, but refuse to undo the interest fee charged on XX/XX/XXXX. They cited their policy of charging trailing interest for 2 months in a row after full payment is received. XXXX months of interest charge after full balance is already paid!!! What kind of policy is this? This is too wrong. 

Id been a loyal customer of American Express for almost XXXX decades. Not anymore. I will not use their service again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
What is the complaint about? : Nationstar Mortgage XX/XX/XXXX, Response to Complaint filed with CFPB on XX/XX/XXXX. What type of problems are you having? Fraud ; Inconsistent Statements What Company is involved? Nationstar Mortgage Who are the people involved? Nationstar Mortgage Research and Response Department Nationstar Customer Relations Specialist, XXXX XXXX What happened : On XX/XX/XXXX, we received Nationstars response to our first complaint # XXXX. Nationstar was directed to remove the flood protection insurance placed on the property located XXXX XXXX XXXX, XXXX, CA XXXX. In their response, XXXX XXXX states, our records do no ( sic ) indicate that flood protection insurance has been placed on the account nor have we ever escrowed for this item. We understand that the property is not in a flood zone and we have escrow for hazard insurance and taxes. XXXX XXXX statement is in direct conflict with Nationstars XX/XX/XXXX, Research Reference # XXXX letter, which stated, A Notice of Payment Change that reflected the monthly payment increased to {$1200.00}, effectiveXX/XX/XXXX, was sent to the attorney and bankruptcy courts. In reviewing the escrow account, we confirmed that the increase in the property taxes and purchase of lender placed flood insurance coverage, effective from XX/XX/XXXX, to XX/XX/XXXX, has contribute to the increase in the monthly payment. You may also purchase insurance and provide proof of the policy to cancel the lender placed insurance as a policy you purchase would likely be less expensive. Once we receive proof of the insurance we will cancel the lender placed insurance and refund the paid premiums to the escrow account. We have had insurance on the XXXX XXXX property since XX/XX/XXXX. Our insurance is through XXXX XXXX. Since XX/XX/XXXX, Ive mailed proof on at least two occasions to Nationstar, XXXX XXXX XXXX, XXXX Ohio. My other issue with Nationstar is they are stating as of XX/XX/XXXX,  the interest on the mortgage payment will adjust 1 % due to the modification agreement, house payment {$940.00}, which I completely understand. However, XXXX XXXX is stating the monthly escrow payment is {$460.00} which makes the mortgage total {$1400.00}. The monthly escrow payment amount is incorrect because they are still charging us for hazard insurance which I have been trying to have removed. I want this lender placed insurance removed ASAP and the paid premiums refunded to the escrow account as stated in their XX/XX/XXXX, letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2023-12-13
Company: NRA Group, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted a complaint through CFPB ( XXXX ) saying : The national recovery agency , acting as a debt collector, got in touch with me on XX/XX/XXXX about a debt of {$6700.00}. I followed the rules by reaching out within 30 days of being informed about the debt to dispute it and requested proof of the debt. The very next day, they claimed the creditor had sent proof of the debt back in XXXX, which I believe is not true. When I asked for that proof, they told me to go to the post office for it because they didn't have it. Essentially, they're refusing to give me any information and are keeping my account active without showing me any verification of the debt. In short, they haven't provided me with the necessary proof, and are keeping my account active even though I've tried to resolve this issue. 

The company pursuing it said : NRA Group , LLC is in receipt of the consumer 's complaint. Based on our records XXXX XXXX was sent documents establishing the debt, on XX/XX/XXXX XXXX However, as this debt at issue is, based on our records, the the debt is a repayment obligation from her employer, and therefore, an argument could be made that the debt at issue does not fall under the category of consumer debt, and as this debt could be considered not to be consumer debt, an further argument could be made that the debt in question is not covered under the Fair Debt Collection Practices Act ( FDCPA ) or be regulated by the Consumer Financial Protection Board ( CFPB ), and therefore no further response is required. 

and then closed my case. Why was this closed when it is not resolved? Them just saying we sent you letter is proof enough? I need proof of debt verification.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX # CAPITAXXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Colony Brands, Inc.
State: OR
Product: Credit card
Sub-product: Store credit 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:
Received a statement via USPS for balance due on a Montgomery Ward credit card ( Account # XXXX ) that I did not open and did not authorize to be opened. 
Contacted the company after filing IdentityTheft.gov report and requested that account be closed. 
Account is still open and while it looks like no other charges can be made, it should a balance due still of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Self Financial Inc.
State: NY
Product: Credit reporting 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 the month of XXXX of XXXX, my account was closed with Self, a credit boosting firm offering to boost my credit score by being solicited with them. The eventuality would be like as if I got a loan, and paid it off. But in essence they don't give you a loan, all they do is give you a payment schedule as if you have a loan with them, and then ruin your credit if you miss certain payments. In New York around about the time of XXXX of the same year, a pandamic struck and we were under orders to not go out even our houses, and work. Due to this nature I was stuck with not being to be gainfully employed and then reported for a number of delinquent accounts which are now resting in my credit portfolio owned by the major credit companies, ( the big three ). Due to the nature of the pandemic caused by Covid-19 and the ensuing realities of the lockdown and the inability to work ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'd like full correction to my credit report to reflect this unsettling ordeal that we experience. This action taken by both the Self company, and XXXX and the other credit report agencies has hurt my ability to function. I always paid my accounts and when looked into they all stopped due to the covid-19 reality..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: NC
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX 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 2021-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/15 an order for a cost of {$540.00} was made on my XXXX account using a credit card of mine, but I did not make or approve the purchase. I immediately contacted XXXX when I saw the charge pop up since they were the merchant, and they told me to contact my card company to report it as fraud. 

My card company is Capital One, so I called them to report the purchase as fraud ( since I did not make it ). I received notice today that they're saying I am responsible for paying off the purchase. I called them back trying to figure out why, and after playing phone tag with a few different departments I never really got a reliable answer of what I should do. 

I didn't make the purchase, the item never arrived at my address ( if it did I would just return it ), and when I use the tracking number on the order page it shows it being sent out days before the item was even purchased ( and delivered the day the item was ordered ) which makes absolutely no sense to me ). XXXX also shows the shipper being XXXX, but if I track the delivery number it's XXXX. The delivery says it was signed for by a " XXXX '', but there is nobody by that name at my address ( I live alone ). 

Capital One isn't helping, XXXX isn't helping, and I'm at my whits end. I'm about to start XXXX XXXX, so I really can't afford any unplanned ( and unwanted! ) charges to my account. I take my credit seriously and monitor it like a hawk, so I report unplanned/unrecognized charges as soon as I see them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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: Public record information inaccurate

Complaint:
The credit bureaus insist on reporting a dismissed bankruptcy on my credit report, as a matter of law, anything that's have been dismissed or adjudicated should not be on your credit report. Furthermore, the credit bureaus keep saying they have verified the account but the court saying they don't report to the credit bureaus so how can that be? And if they are using a third party to report information then it's hearsay because there's no way to verify its accurate.

Company response to consumer: Closed with explanation