BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-08
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm in a 30 year fixed rate loan with Nationstar mortgage. For the last few years the payments have been relatively similar. Suddenly my statement indicates that my monthly payment will be going up by almost {$400.00} per month. I called them to see if I could get some explanation and was told that my escrow was short due to an increase in my property taxes or insurance. I asked them to tell me what had gone up and was told I would be transferred to the escrow department. I waited on hold for 45 minutes to an hour and just got the same recorded message over and over ; " they are experiencing a high volume of calls at this time, please continue to hold ''. I believe I was deliberately blown off so that I would hang up in frustration as it appears there are many people who have had a similar experience with Nationstar. I just want to talk to somebody in the escrow department to find out the reason for the sudden increase in my monthly payment, and to talk about other options for my home owners insurance ( if it turns out that this is the reason, as I suspect it is ), but I do not feel that they are being honest with me. I find it ironic that while I was on " hold " with the escrow department and never able to talk to anyone, Nationstar was still able to leave an automated message on my cell phone to let me know that they " urgently need to talk to me about my account ''. I would really appreciate any help I can get to deal with these clowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America is retaliating on me for reporting them to CFPB. The complaint XXXX on XX/XX/XXXX and several others against Bank of America is the same month out of the many years going back beyond XXXX. I have always paid every single time and my history and credit score of XXXX shows this. So there was no bill sent to me in XXXX, No bill sent to me in XXXX, No bill sent to me in XXXX EXCEPT for a letter saying I owed $ XXXX and I told them then that I had not received any bills. They told me they would send me the statement. I received XXXX more letters for XXXX in my recorded phone call with them at no time did they disclose that there was a higher balance owed. At no time did they " re-send '' the XXXX or XXXX statement. The only reason would be fraud so as to not disclose what I actually owed. This is all recorded on tape. 
This company is in direct violation of the Credit Card Act. They sent me letters of a payment due but no other information - that I actually owned more or a total balance. They deliberately withheld XXXX statements. I got letters which I assumed was the total balanced owed. And I asked the phone what is the total amount owed back in XXXX, I was cited XXXX. Which was a lie. 
They claim that sent, and that the post office could have had issues. I checked with the post office- and they said no issues. XXXX XXXX XXXX. I also receive XXXX bills, mortgage bills and other credit card bills with no issue every month. If it was the post office it there would be evidence of randomness, meaning it would happen with them. This has happens ONLY WITH BANK OF AMERICA XXXX XXXX  XXXX account no other company I deal with does this happen. 
This company, when the balance is XXXX, they do not send any other statements. So I am assuming that the XXXX is all I owed and so I sent that in XXXX. 
They also claim I did not send in {$13.00} back in XX/XX/XXXX. I have the cancelled check stub from them showing they processed. 
This all started with this business account after my complaints against them on my personal account - the very same month I made those complaints. 
I will be suing for damages and for fines and all fees.

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 monetary relief
Consumer complaint received 2023-10-30
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I successfully disputed over {$25000.00} in charges for products that were not never fulfilled. Amex accepted my disputes over XXXX months ago and my account was credited. I requested the funds back and Amex has not sent the funds. They were supposed to submit those funds back to me within XXXX days of my request. And now they have held those funds for more than XXXX months, which is against their own terms of service. Attached are XXXX months of statements showing the credit balance. I simply want returned money Amex has already credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear XXXX  XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX  XXXX XXXX, XXXX. 

Account number XXXX Account type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 

Status updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

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 2021-06-21
Company: TRUIST FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Mortgage payment to Suntrust Mortgage was submitted via My banks bill pay ( Typically takes 5 business days to receive and I have proof of sending payment thru my XXXX bank bill pay function ). Suntrust claims that payment was not received via mail in XX/XX/2020 and the payment ( {$1200.00} ) was deemed late ( I had to cancel the check ). They blamed it on the USPS. Loan was then put into default. I sent a second check to make payment. I then received notification that the initial payment was received but could not process due to it being cancelled. This same issue happened the previous month in XXXX XXXX as well. 
Suntrust reported the default to credit bureaus and now my credit score is the lowest that it has ever been. I have filed a dispute with Suntrust and was told it may take up to 60 days for review and notification of the results. Suntrust does not accept electronic payment of any kind unless it is thru their site. Since they only take mailed check, its my opinion that payment was not processed in a timely manner due to lack of manpower or issues within their own system.

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 2023-07-28
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:
My name is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$770.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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:
Equifax continues to reinsert and report debts that were involved in identity theft. These debts were proved to not be mine. I have attached letters from the companies stating that I am not responsible for these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX XXXX received an e-mail from XXXX XXXX XXXX from Nationstar Mortgage stating they needed an updated award letter for my XXXX payments so they could complete my request for a modification.. I sent the document back by e-mail on the XXXX of XXXX. 
On the XXXX XXXX at XXXX I received a call from Nationstar stating that request for modification had been denied on the XXXX and that my house was in active forclosure but a sale date had not been set yet. I could avoid it by sending them {$62000.00}. 

Today at XXXXI received another call stating the same thing except the caller wanted {$54000.00}. This caller told me she was calling from the XXXX 's, no wonder we can never get ahold of our dedicated loan specialist. 

Since I was still engaged in my request for a modification on the XXXX of XXXX, How could they have gone through all the legal requirements in two days to have my house in active forclosure status, and be scheduling a sale? 
I believe that this an abusive tactic from Nationstar in violation The New Jersey Fair Debt Collection Act bill # S410 and the federal Fair Debt Collection Practices Act Pub L.95-109. 

I believe that this is an ongoing practice of this company and since they record all their phone calls they should be able to supply you with a transcript of these calls. 

This company should be investigated into their business practices and be made to be held accountable. 

I am in the process of contacting an attorney to initiate civil action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, after repeated attempts and interminable phone tree choices I have been assured that " the check is in the mail ''. 
I am to please understand that up to seven working days are needed to allow the check to arrive. 
the last check sent to to me by Nationstar actually bounced a week after depositing it in my checking account. 
I repaid my loan in full via electronic funds transfer on XXXX/XXXX/15. It is XXXX/XXXX/15 today. 
it seems like there are XXXX very distinct sets of rules here. XXXX set for me as the borrower with strict timelines and harsh consequences. 
and basically no rules at all and with no consequences for Nationstar. 
I would like to speak to a representative from your department at earliest opportunity. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: GA
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:
I submitted documentation on XX/XX/2021 and XX/XX/2021 and still have not received a response from Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
State: OR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/2022, I came to Bestbuy at Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I walked in and purchased 4 of {$500.00} XXXX XXXX using my Citi Bestbuy Credit card. On the following day which is XX/XX/2022, I came to XXXX XXXX at XXXX XXXX at Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I attempted to purchase XXXX XXXX XXXX  on the releasing date. When the representative scanned my XXXX XXXX, He said my giftcard was marked as fraudulent and it contains suspicious activity, so I have to perform an online order. However, I tried to place order on XXXX website for the XXXX XXXX XXXX XXXX, it showed me authorization failed several times for both 4 giftcards that I purchased. I tried to contact XXXX  at XXXX phone number, they didn't solve my issue at all, all they did on the phone is transferring me between agents. I have done contacting them every single day over 1-2 months and my problem still hasn't solved. Each day, I spent 10 hours contacting them and it makes me frustuated. I attempted to bring the gift card to XXXX store where I purchases for returning, and the refused to take it back. I ended up filling dispute on Citi Bestbuy Creditcard when my brother suggested me. The first time I called in for a dispute was submitted on XX/XX/XXXX, they closed my case without giving me any reasons. I resubmitted the dispute on XX/XX/XXXX, they gave me credit back on my account on XX/XX/XXXX, and they took the money again on XX/XX/XXXX with a reason " No response for dispute ''. I called in bestbuy credit card multiple times, and I didn't get the right agent each time when I contact. they keep forwarding me to bestbuy store agent, and that agent couldn't help with my dispute concern. I really feel frustuated by trying to solve this problem. {$2000.00} is my hard earned money for the XXXX, and I want to get them back that's why I want to submit a complaint on consumer finance.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-02-04
Company: SYNCHRONY FINANCIAL
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22, I opened a 24 month Bump Up IRA CD, with Synchrony Bank. On XX/XX/22, I advised the Bank that I wanted to exercise the bump up option. Since then, I have had numerous telephone calls and emails, regarding this matter. They have not addressed my instructions, or responded to my attempts to resolve this matter. When calling the required phone number, you are subjected to long hold times. Promised phone calls, to discuss this matter, have not been forthcoming. 

Anything you can do, to assist in resolving this matter, will be greatly appreciated.

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 monetary relief
Consumer complaint received 2023-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I injured my knee. I sought medical attention right away and was informed that I fully XXXX  my XXXX, partially XXXX  my XXXX, had XXXX XXXX XXXX  XXXX, and XXXX both my XXXX. Once I had a XXXX  date set up I called Citizens Bank, with whom I have 2 credit cards with, that I was told after XXXX  I would not be cleared to for about 8-10 weeks. They told me I had two options. First being do nothing and pay my weekly minimum, or they can put me in what they call an hardship program. I asked if there were any other options, they told me there was not. So seeing no truly helpful options, I picked the hardship program because it would at least lower my interest rate and minimum payment ; both were lowered slightly and actually made both accounts inactive, so I still owed but couldnt use the cards even though I still would have to pay interests. They also told me I should try to work from home or borrow money. 

In XX/XX/XXXX I received 1 phone call from them asking why I made a partial payment and not the full, I explained that because I didnt have the full amount. They said they can take the full payment now, I told them I dont have it. They offered to arrange to make the payment, I told them that when I have the money to make the payment I will. They told me that not paying will cause my interest rates to go up, that I will owe a late fee, and my credit score will be effectives. I informed them that that doesnt sound like the program I signed up for. They doubled down, as did I. They eventually said I was correct. The difference owes was about {$40.00}. 

On XX/XX/XXXX, I made a payment on one of the cards. I did not make a payment on the other. They called me from the phone number ( XXXX ) XXXX at XXXX and received the voicemail at XXXX and left a voicemail asking me to call back or to call ( XXXX ) XXXX. They also sent me any email about it as well after that same day at XXXX. 

Then today ( XX/XX/XXXX ) they called me twice, leaving a voicemail after the second call. Both calls came from ( XXXX ) XXXX. The times they called were XXXX and XXXX.

Company response to consumer: Closed with explanation