BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). We have been advised all information must come through the opposing counsel handling the foreclosure of the loan due to it being listed as a litigation file with the lender - XXXX has tried many times to obtain this information and the lender has failed to provide what is being asked for regarding the review of a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Your support in this matter is appreciated in advance. I have two mortgages with Nationstar. Each loan is at least 10 years old to date. I have never missed a payment nor have I been late on either loan payment to Nationstar. When speaking with a lender recently who had run a credit report, I was alerted there were two " late mortgage payments '' showing on one of the loans for the months of XX/XX/XXXX and XX/XX/XXXX. I was quite upset to hear about this considering I monitor the status of my credit. When I checked my banking records, all payments in XX/XX/XXXX were paid on time. When I called Nationstar to inquire about this I was informed the loan amounts had changed ( escrow and interest ) and my payment was short not late. I was not aware of the change and was surprised this had occurred and was not notified. From what I recall from my original note, partial mortgage payments were not accepted. I should have received the original check back to me notifying me the payment was incorrect and not accepted. I then would have been informed of the shortage, made sure it was taken care of, and would not have this infraction on my credit. Often I receive from Nationstar a special delivery notification ( XXXX XXXX or other overnight delivery ) about considering to refinance my properties. If this is the case, why was I not sent an overnight alert of importance to tell me about the shortage payment on my loan? Maintaining my credit score is very important to me and has been for over 30 years I have established credit. I have paid 5 ( and two second mortgages ) mortgages faithfully since the XXXX housing market crash and felt quite proud that I never have been late nor had to walk away from a mortgage. In summary, I want to have the late payments removed from my credit report and should a change occur in my loan, I would appreciate, given my payment history, to be notified first before affecting my credit standing. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-08-23
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We asked PNC Bank to cancel our escrow account and allow us to pay local taxes and insurance, leaving only the principal for us to pay to PNC. 

Later we received a document from PNC requesting our signatures to consent to the cancellation of escrow. It included a fee of {$250.00} to close the escrow account, which PNC claims in CAN charge according to law. However, the law doesn't say they MUST charge a fee, only that they CAN. In addition, nobody from PNC will tell me what this fee covers. 

I requested that the fee be waived and PNC says they only waive a fee if they have mistakenly charged it. We feel this fee is an insult to us as a customer of the bank -- -a fee that is being charged so that PNC won't have to do work servicing our escrow account from now on. In other words, " Pay us a fee so that we don't have to do anything in the future other than cash your principal check. Pay us to do LESS work. '' PNC will also not tell me how they make money through the purchase of loans ( ours originated with XXXX XXXX ) and when the loan was sold, we didn't receive a consent form that asked if we wanted to continue payments into escrow. 

Their logic is, " We don't make money from your escrow account ; we make it by servicing your loan '' -- -but what does that even mean? Somebody is making money somewhere, but PNC agents can not seem to answer how/who/where this is being done. Is their profit more than {$250.00}? 

These fees are not only an insult to customers, they are immoral and should put anyone who may be contemplating working with PNC Bank on guard from a consumer standpoint. Banks have already been fined or slapped on the wrist for charging excessive fees -- -and in our case, this fee is " just because we can '' and mysteriously doesn't apparently cover anything other than a keystroke by a member of their escrow division.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: NATIONSTAR MORTGAGE LLC
State: IN
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:
Once again, there is activity that is INCORRECT being reported by Nationstar Mortgage, LLC regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, Nationstar Mortgage, LLC. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at Nationstar Mortgage, LLC. 
I have personally met with my personal bank and have attached all checks that were cashed per month by Nationstar Mortgage, LLC. I have also attached the payment history showing all payments that were paid to Nationstar Mortgage, LLC since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at Nationstar Mortgage, LLC is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at Nationstar Mortgage, LLC is still removing payments that were prior on my credit report such as XX/XX/XXXX payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. Nationstar Mortgage, LLC has literally changed my credit report information on more than five occasions since XX/XX/XXXX. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, Nationstar Mortgage, LLC. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. Nationstar Mortgage if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. Nationstar Mortgage, LLC has a responsibility to report it correctly. Someone at Nationstar Mortgage, LLC has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current Nationstar Mortgage LLC payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with XXXX this morning. It is someone at Nationstar Mortgage, LLC submitting the incorrect information. Nationstar Mortgage LLC needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an an account in Truist Bank on XX/XX/XXXX and deposited XXXX checks electronically, XXXX in the amount of {$1900.00} and the other in the amount of {$3900.00}. 

A week later I received a notice from Truist Bank that they suspect the checks are fraudulent and account is being closed. They gave me no information about why they suspected fraud. I requested that they send me a letter explaining why they suspect fraud. They promised they would send q letter but I received no letter. 

Truist told me I would have to get a notarized letter from my employer stating that the funds were intended for me, and a statement from the manager of the issuing bank to show that the check cleared. I was not sure I understood these instructions clearly so I asked truist to send me these instructions in writing. They told me a letter was issued on XX/XX/XXXX. I waited but received no letter either by email or post. 

I contacted my employer who issued the checks and was told that the checks cleared on his end. He gave me a printout showing the checks had cleared. I contacted XXXX bank ( the bank the funds cleared from ) to ask for a letter but they told me they don't write such letters and had no idea what I was talking about. Since truist had not sent me the documentation I requested I was unable to clarify with XXXX bank the information I needed. 

I received a bank statement from truist showing the XXXX deposits totaling {$5900.00} but the funds were still unavailable I called Truist again to ask about why my funds are still on hold. I was kept on hold for nearly a hour and was told they had no information for me other than they suspect fraud. I again asked for all this information in writing which I still have not received. 

On XXXX I received q letter that my account was closed and the funds are in an escrow account. 

It is now 2 months since I opened the account, I have no access to the funds and no clear account from Truist about why they are withholding the money

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 2023-12-05
Company: Bright Capital Inc
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Bright credit card, filled out the form, paid the fees and then nothing every happened. I requested to cancel my " membership '' with them and requested a refund on XX/XX/XXXX. I was told 2-3 days. Nothing showed up. So I contacted them again, was told 2-3 days rinse repeat to today. Was then told because it's an AI system, they have no control over what it does when it tries to refund fees and if it even attempts to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted the debt collection agency that was given my debt for a pay day loan. XXXX the lady was not able to pull up my account due to having a new number, I gave her my number and full name and I gave her my address she asked for my last XXXX of my social I explained I do not feel comfortable due to being scammed and I gave her other information that can be used to find my account. She then repeated my name address I said yes and I then gave her my number associated with my old account, she repeated the last XXXX of my social I stated if that's in your system then ok but you just verified my information and I'm consenting to everything but my social. She refused to give me my account information I then requested to speak to a manager she then proceeds to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX ORGANIZED A COMPLICATED FRAUD COVER UP IN XX/XX/XXXX WITH NTIONSTAR MORTGAGE. ~ NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD AND EMBEZZLEMENT / MISAPPROPRIATION OF FUNDS OCCURED AT XXXX XXXX AND XXXX XXXX WHEN XXXX XXXX WAS CONFRONTED AND CAUGHT ... THEY SOLD THE LOAN TO NATIONSTAR *** NATIONSTAR REQUESTED THE PROPER LOAN DOCUMENTS TO PROVE THIS WAS NOT A FRAUDULENT LOAN .. AND INSTEAD GOT AN ORGANIZED CRIMINAL COVER UP ORCHESTRATED BY XXXX XXXX 'S VICE PRESIDENT, XXXX XXXX XXXX XXXX XXXX NEVER PRODUCED THE DOCUMENTS NOR DID THEY DEFER OR REFUSE TO COMMENT AS UNAUTHORIED 3RD PARTY IN XX/XX/XXXX ... ALTHOUGH LEGALLY THEY SHOULD HAVE AND FORCED NATIONSTAR TO CANCEL THE LOAN DUE TO NOT HAVING THE PROPER DISCLOSURES OR LOAN DOCUMENTATION *** XXXX XXXX LIED TO THE CFPB AND THE CONSUMER IN XX/XX/XXXX AND XX/XX/XXXX AND MISLEAD BOTH OF THEM ON HOW THE REAL ESTATE SETTLEMENT PROCEDURES ACT WORKS WHEN ENFORCED *** YOU CAN NOT MISLEAD A CONSUMER ... YOU CAN .NOT LEAVE OFF LENDER REQUIRED ITEMS TO MAKE A PAYMENT APPEAR LOWER *** WHEN ERRORS OCCUR THEY HAVE TO BE CORRECTED OR 100 % OF THE LOAN HAS TO BE CANCELLED ... IMMEDAITELY ... WITHOUT QUESTION, HARASSMENT, EXTORTION OR ANY FURTHER COLLECTION ATTEMTS OF ANY KIND *** THIS IS COMMON SENSE AND IT IS THE LAW IN EVERY INDUSTRY*** NATIONSTAR HAS NOW LOST THEIR STAR WITNESS ... XXXX XXXX KNOWS SHE BROKE THE LAW AND NOW REFUSES T COMMENT *** NATIONSTAR KNOWS XXXX XXXX BROKE THE LAW *** NATIONSTAR BROKE THE LAW BY COVERING THESE FACTS UP *** AND NOW EVERYONE IS HIDING FROM EACH OTHER HOPING WE JUST GO AWAY ... THERE IS A 0.0 % CHANCE OF ME GOING AWAY WITHOUT JUSTICE IN THIS CASE ... I FOLLOW THESE LAWS EVERY DAY ... I EXPECT EVERYONE ELSE TO DO THE SAME WITHOUT QUESTION ... ALWAYS XXXX XXXX ANSWERED THE PREVIOUS COMPLAIBTS FALSELY AND ENTHUSIASTICALLY ... SO WHY BE COY NOW??? YOU BROKE THE LAW,,, FACE THE CONSEQUENCES. I CAN NOT SELL STOLEN GOODS OR MISLEAD PEOPLE BY HUNDREDS OF THOUSANDS PF DOLLARS ... AND NEITHER CAN THEY. WE ALL FOLLOW THE SAME LAWS ... SOME OF US JUST NEED FINES AMD PRISON TIME AS REMINDERS. WE HAVE PROVEN FRAUD ... NATIONSTAR CONFIRMED FRAUD AND LATER COMMITTED THEIR OWN FRAUD ... SO WE ARE EXERCISING OUR RIGHT TO IMMEDIATE LOAN FORGIVENESS. IF THEY REFUSE TO COMPLY ... I ALSO WANT THE RECORDING MADE OF MY XX/XX/XXXX-XX/XX/XXXX PAYMENTS AND XX/XX/XXXX TO XX/XX/XXXX PAYMENTS IN XX/XX/XXXX ... WHERE NATIONSTAR COMMITTED WIRE FRAUD BY TELLING ME THEY WERE APPLYING PAYMENTS TO MY ACCOUNT WHILE SIMULTANEOUSLY STEALING THEM AND NOT PAYING PRINCIPAL AND INTEREST FIRST AS REQUIRES BY THE RESPA. ALSO ... WE HAVE ESCROW FRAUD IN XX/XX/XXXX. I IMMEDIATELY PAID THE ENTIRE ESCROW SHORTAGE FROM THE ANNUAL REVIEW OF XX/XX/XXXX AND IMMEDIATELY GOT A DEMAND LETTER FOR MORE MONEY AND ANOTHER ESCROW SHORTAGE ... THEY CONTINUE TO USE COMPUTER FRAUD TO STEAL $ $ $ AND LEAVE CONSUMERS STRUGGLING TO KEEP UP WITH THE CONSTANT DISHONESTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company make a big mistake with my credit report they said I have missed payments! But, its no true! Only thing I did was delay payment for a couple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The homeowner has a positive change of circumstances. Today an NPV Report was generated via the Department of Treasury that show that the loan is affordable via a loan modification under the Department of Justice/ 49 States attorney Generals National mortgage settlement Agreement and guidelines. The NPV Report shows a possible workout solution under the above guidelines. The homeowner is requesting an expedited review and appeal for reconsiderations under a streamlined processing. Please see article extract of the NPV Result. NPV Date XX/XX/XXXX Unpaid Principal Balance of the Proposed Modification {$440000.00} Principal Forbearance Amount of the Proposed Modification {$850000.00} Interest Rate of the Proposed Modification 2.0000 % Principal and Interest Payment of the Proposed Modification {$1300.00} Amortization Term of the Proposed Modification 480 months Information That You Provided Which best describes you? Other Servicer & Investor Information Your Investor Other Your Mortgage Servicer Other Discount Rate Risk Premium 0 Homeowner & Property Information Data Collection Date XX/XX/XXXX Do you currently reside in the property under evaluation? Yes Borrower Credit Score XXXX Co-Borrower Credit Score Monthly  Gross Income {$8300.00} Property State CA Property Zip Code XXXX Property Value {$820000.00} Property Valuation Type Estimated/AVM Mortgage Information Original Loan Amount {>= $1,000,000} First Payment Date XX/XX/XXXX Do you have a fixed rate mortgage? Yes Unpaid Principal Balance of Your Mortgage {>= $1,000,000} Total First Mortgage Debt {>= $1,000,000} Interest Rate of Your Mortgage 3.125 % Remaining Term ( Months Remaining ) on Your Mortgage 320 Mortgage Insurance Coverage Percent 100 % Modification Fees Paid by Investor {$0.00} Monthly Payment Information Principal and Interest {$3400.00} Real Estate Taxes {$1000.00} Hazard and Flood Insurance {$220.00} Homeowner Association Fees and Escrow Shortage {$0.00} Months Past Due 13 Imminent Default Yes Important information regarding NPV Evaluation results obtained from this site. Homeowner requests a copy of previous NPV Report of Banks Servicer basis of denial report previously to deny the homeowner a " change of circumstances '' denial. The DOJ guidelines allow for a change of circumstances, to really for a loan modification after 1 year of payments into the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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