BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind with our mortgage payments and applied for a loan modification. We were approved for a trial plan for {$3000.00} which we completed. At one point the bank cancelled the modification, claiming that they didnt receive the signed documents, only the payments. We DID SEND THE BANK THE DOCUMENTS WITH THE PAYMENT, however the bank then decided to re-send us the documents, which we signed and returned the SAME DAY.

They then told us that since its an FHA loan, they had to submit it to FHA for the approval. Im the meantime, a Sheriff sale was pending, and the bank assured us the the Sheriff sale would be postponed and/or cancelled. FHA DID APPROVE THE MODIFICATION, however the Bank did not postpone the Sheriff sale, so the sale went forward in error.

We called the bank and they said it Infact was an error, and that we should give them some time to fix the problem and reverse the Sheriff sale, as it was their error. We waited and we kept calling. They kept telling us the problem is being worked on and would be fixed soon. WE EVEN HAVE RECORDINGS OF CONVERSATIONS WITH AGENTS AT THE MORTGAGE COMPANY, ASSURING US THE PROBLEM IS BEING CORRECTED. Specific questions were asked, and specific questions were answered in the recorded conversation. So we have that as proof. Plus we have the letter the bank sent us, asking us for payment AFTER FHA had approved it.

We decided to check back in with the bank after waiting a few weeks, and we were informed that the sale was final and that nothing was being done to correct the mistake the bank made. WE COULD NOT BELIEVE IT!! THE BANK DECIEVED US, LIED TO US, THAT THEY WERE FIXING THE PROBLEM, AND BEHIND OUR BACKS, LET THE MISTAKEN SHERIFF SALE STAND.

This is cruelty! We did EVERYTHING the bank asked us to do, we were approved twice by FHA, and the bank refused to correct their mistake which they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Lewis, McDonnell & Associates
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:
LEWIS MCDONNELL & ASSOCI has an open account for the amount of {$3000.00} dollar 's which is on collections I'm sure I was not the person who opened that account LEWIS MCDONNELL & ASSOCI claims that I got rims and tires from some place I have tried to get them to understand that I didn't open such account to no avail my credit score is being affected by this false/ fraudulent account That needs to be removed and Immediately. Because ofLEWIS MCDONNELL & ASSOCI false/ fraudulent account I'm unable to get a home loan to buy a house for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is one account on my credit report that is not mine I have not applied used or know of this account I need this off my credit report ASAP!!! 

XXXX XXXX XXXX  XXXX  - Acct # XXXX Amt {$7300.00}

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 2019-08-06
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification and received a letter of approval from Shellpoint mtg dated  XX/XX/19 stating 3 trial payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This is our second home - my husband begins cutting the grass bi- weekly in Late XX/XX/XXXX- he had a serious XXXX XXXX   and was not able to do the maintainance for a couple of months - we returned from Vacation to our home after the XX/XX/XXXXand found that someone had changed our locks, emptied our refrigerator and winterized our toilets and sinks - found a sign in sheet dated XX/XX/2019, a vacancy certification and a management co stating g that if this home is not vacant please call - I called the contractor who immediately helped me, the mgmt co told me that Shellpoint had hired them - I sent a demand letter to Shellpoint stating their illegal use of duel tracking according to the regulation x law - my contact immediately told me the lockbox code to obtain my new keys as my own locks had been changed!! I have talked to legal counsel and have all documentation and papers left in my home - my home clearly could never be considered vacant with family photos and furnishings etc. I felt violated that the mortgage company did this with no consideration to even call me prior to their actions - Today o received a letter from my insurance dated XX/XX/2019 that a claim had been filed for some water damage on the deck/ siding - the letter states date of loss as XX/XX/2019 - I did not file this claim as we are aware of this due to extreme amounts of rain and are planning for repairs. - the adjustor stayed that he couldn t talk to me, that he was talking to the foreclosure Dept - I have sent an email to him for any notice or claim in writing from any other party other than me as I obtained the ins. I have spoken to counsel in regard to all of these unethical and illegal aggressive actions taken by Shellpoint mortgage co - No one should ever experience this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: SYNCHRONY FINANCIAL
State: CO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Synchrony Bank automtically rolled over a 36 month certificate of deposit ( CD ) into a new CD without giving me the opportunity to tell them to cash it out instead. When, after 5 business days, the proceeds had not shown up in my cash account as I assumed they would, I called Synchrony and they explained that I had to called them a maximum 45 days in advance to instruct them how to respond to this CD maturing. Despite being an online bank, they provide no online means to request cashing out a CD at maturing. The only online response they provide is to specify the term of a new CD into which to roll over the maturing CD, and that term must be greater than zero. On the phone they told me that I could only cash out a maturing CD by phoning them. They told me that they sent me a notice to specify what I wanted to do with this CD before it maturied and that such notice was also contained in my last ( quarerly ) statement, neither of which is true. Since I was calling within the 10-day " grace '' period, they agreed to cancel the rollover and deposit the proceeds into the cash savings account that I also have with Synchrony. However, they refused to take my instructions to cash out another CD I have there when it matures XX/XX/XXXX because that is more that 45 days out. 

Synchrony Banks acts likes it cashing out a CD ( I'm retired and use these proceeds for living expenses ) is a special event for which they must grant an exception in their good graces instead of an entitlement to receive my savings after my savings contract has been completed. I never told them to rollover this CD nor did they ever ask for my permission to do so. The reasonable assumption of a customer is that when his CD 's term expires, he receives his cash to do with as he pleases be that to spend it or to invest in another CD ; it is his choice, not the bank 's.

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 2018-09-05
Company: NATIONSTAR MORTGAGE LLC
State: IN
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 don't understand why once again XXXX Nationstar Mr. Cooper ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX Nationstar Mr. Cooper after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX Nationstar Mr. Cooper taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXXNATIONSTAR MORT - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: TX
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:
Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XXXX- UNAUTHORIZED INQUIRY XXXX  XXXX  XXXX-UNUTHORIZED INQUIRY XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Conduent Incorporated
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Can't transfer Funds from my Debit card. way2go card that holds my Unemployment Funds. Here is their Web Page https :  //www.goprogram.com/ On their site there is zero info on why they took that future off. It was there earlier. 
I tried to contact them on the the phone number they provided:XXXX. Wasnt able to talk to human. it is automated line where i can not find information on how to transfer my funds. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I called capital one financing to get information I did not provide any information but I do have an account with them with prior cards and then noticed it on my credit report as a subject or a hard check which I did not authorize I did not provide any information nor gave them permission to do so I only called in for information general information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid off

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Transunion Credit Bureau is reporting inaccurate information in XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance Owed : {$790.00}

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 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XX/XX/XXXX- UNAUTHORIZED INQUIRY XXXX  XXXX  XXXX-UNUTHORIZED INQUIRY XXXX  XXXX- XXXXUNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas 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 2021-04-16
Company: CITIBANK, N.A.
State: OK
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 do not accept the lies Citi Card is still pushing. They lost my payment and blames the post office when my other payment was received just fine. They would not pull up my actual payment when I asked twice. How convenient! I will file complaints and dispute all of Citis lies as many times as it takes. Every time someone contacts me they just repeat their lies and refuse to incorporate any of the facts I told them! I am amazed at the terrible service that good paying customers receive and I canceled prior to the XXXX. I

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 2021-07-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding the incorrect items on my credit report it has been over thirty days and I haven't received my investigation results. 
On these accounts are the following companies : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ( XXXX XXXX XXXX  ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX allows XXXX XXXX / XXXX to illegally furnish/ report negatively impacting my credit score. Please see attached of XXXX XXXX admitting to charging a closed account. please see attach photo proof that the account was deleted previously.

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 2021-07-30
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
My father arranged the money transfer through a friend that he knows in United States. His friend deposit the amount of {$6800.00} in the forms of money order to my Chase Bank account on XX/XX/XXXX of 2020. Within a day, Chase notified me with a letter stating that my account at Chase will be closed unless we called the number that they provided and able to provide the information they need to keep the account and money. I called the number and they asked for the receipt of the seven money orders which amounted to {$6800.00}. Receipts I can not provided at the time, leads to my account closure and money confiscated after a few weeks. Chase still had my account blocked and the remaining of my funds, which was not withdraw at the time, including the {$6800.00} deposit to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Mailed in a lengthy thorough dispute that went ignored by XXXX and Transunion, I also upload the same information using their uploading system. Since the law requires them to respond to my claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft. Please see attached documents that support my claim of identity theft. Please delete the accounts I've outlined in my dispute. The FCRA also states that I have the right to dispute inaccurate and incomplete information. These accounts are inaccurate and fraudulent. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department.

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 2021-07-30
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Santander is reporting that my client still owes a balance, and the account got placed for collection status. My client was trying to get financed for a home, but this debt is preventing my client to get the necessary financing. On XX/XX/XXXX I sent a certified letter to get verification of the amounts that Santander claims that my client owes, as of today XX/XX/XXXX we have not received any response. 

In the certified letter, I attached a POA, tracking number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX  ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation