BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please assist, my husband and I are over XXXX years old and feel that we 've done all we can do fix this issue with no results with Nation Star MY house loan was sold from XXXX XXXX XXXX ( XXXX ) Account # XXXX to Nation Star ( NS ) XXXX in XXXX XXXX. From the beginning there was an issue with an unpaid fee of {$120.00} for missing days on the property without insurance with XXXX we were disputing. When I heard the loan was been sold to Nation Star I decided to pay this amount in full with the last payment made in XXXX to XXXX to avoid any further problems. 

In XXXX we started making payments to NS as specified on the monthly bank statement. Then the first month we started getting calls and letters that we owe additional escrow balance to NS. They claimed the amount of {$120.00} had not been paid and we needed to pay this amount and late fees right away. 

I spent many hours on phone calls in XXXX, XXXX, and XXXX XXXX trying to fix this issues. XXXX months down the road, Nation Star was not finding the money, they kept arguing that the money had been paid. At the end of XXXX I called NS again and a gal by the name of XXXX was able to help out. We spend about XXXX - XXXX hours on the phone in which we call XXXX and they told us that all the funds had transferred to Nation Star. XXXX searched this money and found out that the funds had transferred to Nation Star and that our account needed to be fixed and credited all the extra fees NS had charged to my account. 

This gal try to fix the problem and told me she would credit all the late fees. Two, three months, later the issue was not fix. I would get on the phone and had to explain all the issues again, the reps would argue with me and tell me that the fees had not been paid until I would tell them to read the notes. Then they would say " the system will give you the credit ''. I have called many times for two years and they continue to tell me the same thing. Every time I call I 'm having to explain the whole scenario to the Reps and tell them to read the notes because they argue that the fees are still outstanding and we still owe the money and late fees. 

It is now XXXX XXXX, two years later and the issue with all the late fees has not been solved. The fees have gone up to {$500.00} + and I 'm sure with interest. This is creating a lot of stress in my life. At my age, I do n't need this kind of stress. I do n't want to spend more time on the phone with Nation Star because I do n't think anything will get fixed. I 've called them sent them letters, sent emails on their website and there has been no response. 

I 'm coming to you in hope that you can help me address this issue with Nation Star. I need the fees to be reduced, the interest charged to be restored, and my any wrongful or derogatory information on my credit to be restore. 

I can be reach at XXXXXXXXXXXX or XXXX XXXX Thank you , XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 2023-06-20
Company: GOLDMAN SACHS BANK USA
State: CA
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/23 at XXXX XXXX XXXXXXXX, I called about my XXXX credit card transactions, posted on XX/XX/23, not adding up to the card balance. There was a {$150.00} overcharge discrepancy. The card balance should be {$1500.00} instead of {$1600.00}. The representative transferred me to a XXXX called XXXX, who was not professional in handling my request. She gave inconclusive answers and wouldn't offer help. So I asked to speak with her supervisor instead. Her supervisor, XXXX, was rude and impatient throughout the whole discussion. She basically ignored my dispute and hung up on me at XXXX XXXX XXXX without providing any resolution to my billing error issue. 

I was both shocked and disappointed to have been treated in this way and believe you should be aware of your employee 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion and XXXX credit reporting continues to report invalid and time barred information on my credit report. I have provided information to support my claim. XXXX has removed the inaccurate information. The FTC states Date of first delinquency ( DOFD ) are to be removed from your credit report within 7 years from DOFD. MO revised Statue collection dates has expired. XXXX XXXX loan open date XX/XX/XXXX with DOFD of XX/XX/XXXX. XXXX XXXX loan open date XX/XX/XXXX with DOFD of XX/XX/XXXX. XXXX XXXX loan open date XX/XX/XXXX with DOFD of XX/XX/XXXX. XXXX XXXX are using the Date of Last activity DOLA ( when they were discharged from my XXXX XXXX  ) to keep account on my credit report not Date of First Delinquency to remove it. This is causing Finacial harm. I had requested this removed since XX/XX/XXXX and again XX/XX/XXXX and no action have been taken, except for them saying it will remain on my credit report u till XXXX. 

View full complaint

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 2022-11-01
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed complain XXXX, back in XX/XX/XXXX. I have tried to get the remaining XXXX XXXX refunded and the company is playing games. They answer and transfer me to other departments without resolving my issue. 
I asked that they do an XXXX XXXX because I am 100 % XXXX Veteran, since XXXX. My tax responsibility is zero. The company is still withholding my property tax XXXX balance and my bill is not reflecting the correct amount- still being charged property Taxes. 

I just need an intelligent human being on their end to do their job. I called almost three weeks ago to have this resolved. I have been on the phone ( XXXX ) for over 20 minutes and they keep transferring to other departments. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a British Airways Visa credit card from Chase. One of the benefits of this card is that I get a free companion ticket when I spend a minimum of {$30000.00} on the card within a calendar year. This is called the " Travel Together Ticket ''. It is good to any destination that British Airways flies and in any class of service - the same class that the primary ticket is purchased on. I do have to pay taxes, fees and carrier charges on the companion ticket. 

I have a BA Chase Redemption Voucher for a companion based on spending {$30000.00} on my BA Visa card. I went to the British Airways site to book my travel in Business Class to XXXX from XXXX XXXX, returning at XXXX, XXXX using my voucher. The total cost quoted was {$13000.00} WITH the voucher + XXXX XXXX points ( British Airways frequent flyer points ). I then went in to the British Airways site and, WITHOUT trying to redeem the voucher, just booked two tickets in business class on the same dates. The total cost was {$10000.00} and that is also WITHOUT using any XXXX points. 

How can the cost with a free ticket voucher be MORE EXPENSIVE in DOLLARS AND FREQUENT FLYER MILES than a person off the street just buying two tickets directly? And that too, it is SIGNIFICANTLY more expensive. 

I reached out to both British Airways and Chase to lodge a complaint. British Airways responded with a general message of apology saying that they had passed on my complaint to the concerned department. That was on XX/XX/XXXX. and I have not heard anything since. 

I called Chase customer service on XXXX XXXX XXXX and complained that the promotion that incented me to get the card was a Chase promotion and that the information was misleading as I was now having to pay MORE with my free ticket voucher ( after spending {$30000.00} in one calendar year to meet eligibility for the voucher ) than without it. They said I would have to resolve this issue with British Airways but at my insistence offered to send my complaint to their Marketing department. 

I received a letter from Chase dated XX/XX/XXXX saying " Please contact British Airways to help you with your concern about the Travel Together Ticket. '' I request you to help me as this promotion from Chase is totally misleading and fraudulent. 

Thanking you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am discovered 5 debts on my report from portfolio recovery when I was trying yo rent a home for my family. We are currently homeless. I was denied leasing because of collections on my account. I sent a debt verification letter on XX/XX/2023 and received no response. They are continuing to report the 5 collections account to the 3 major credit bureaus without verification of debt, violating federal and state laws. I want the accounts removed from my reports immediately and a letter of its deletion sent to me and anyone who had received my report within the last 60 days. As long as this happens IMMEDIATELY I will not proceed with court action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: DE
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage company, Selene Finance LP, says they issued an Escrow Refund in the amount of ~ {$10000.00} in XX/XX/2022. However, I only received {$5800.00}. 

Additionally, they are withholding {$2800.00}, as of XX/XX/2022. I am owed almost {$7000.00}. 

The agent on the phone told me it would be another two weeks for this to be resolved and that I should make the full payment this month and then ask for another refund next month when the correct payment amount is reflected on my next statement, due XX/XX/2022. This is ridiculous, asking for money upfront that they will then turn around and refund me. This is very suspicious activity, fraudulent maybe? Such Deceptive tactics by this company to transfer you to multiple departments with no resolution and charging you extra knowing your payment should be lower and holding customers money to make interest off of customers ' earned money. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Emergent Business Group, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company stated that I owed the {$1900.00} after taking a {$1200.00} loan and paying them approximately {$1300.00}. The debt collector sent a settlement of {$730.00} to close and then called with another offer of {$950.00}. I requested some information from the condo-any to have a paper trail but they refuse to provide the details and was being very rude on the call. Another agent took over the call and got very loud and I felt very much violated. They also advised me that this was the last offer before they take legal action or damage my credit. I politely refused their offer until I have some paper trail but they were not very happy with me.

These are the information I requested : 1. Proof that your company owns my debt or that you have been authorized to collect it from me by the original creditor.

Note : Please send this proof of authorization 2. Who is the original creditor? What was the original amount owed? How much of what you are attempting to collect is fees and interest accrued since your company took possession of this debt? 

3 What is the debt collectors name, the name and mailing address of your company and the name and phone number of your supervisor.

4. Are my offers for balance reduction reported to the Credit Bureaus? If so, how these will be reported to the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi. my name is XXXX XXXX XXXX. I spoke with a well Fargo employee she didn't seem like she want to help me. i believe it was Wednesday XXXX. 
the Well Fargo bank account is XXXX Im scary for my safety since i dont know who may be involve in the Hijacking or take over of my Well Fargo Bank account. this has been very stressing and traumatic. 
the only name that should be on the Well Fargo Bank account is XXXX XXXX XXXX. 
Here are some of the miss spelling of my last name and also the wrong last name has it has you're under the credit reports and have also show up in my XXXX XXXX XXXXXXXX account. 
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 explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: GA
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:
In accordance with fair credit reporting.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 Inquiries : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX. 

15 u.s.c 1681 section 602 a.States I have the rights 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 ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report 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 gas reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CITIBANK, N.A.
State: MD
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:
This will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit

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 2019-07-30
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:
I have contacted XXXX over 21 times and I realize they have had huge breaches of data as well needlessly to say. My credit has tons of double inquiries and the strange address of where I have never lived. I gave them sufficient evidence and contacted XXXX XXXX XXXX twice to their corporate headquarters to please remove their XXXX, then the XXXX and still no resolution. 
Furthermore, regarding Trans Union, their beyond repairing after thirty five years of doing business with. I paid with auto pay to XXXX XXXX and the insurance company took too much out of my XXXX account after I canceled. They sent me a check for XXXX as well. They caused three over draft fees with my bank, but XXXX waived all of them. I sent Trans Union via certified mail sufficient evidence four times plus regular and they vehemently denied receiving it. I diligently called them as well which shows a strong commitment. 

I am exhausted of hearing people from other countries not caring at all. It's obvious and then they transfer me to start all over again. Trans Union does the exact same thing. I will file separately for this. My credit should be stellar. I have five inquiries for XXXX XXXX XXXX alone. Who the XXXX can't see that the picture is blurred. Enough with people who just don't care. 
Lastly, I sent this XXXX XXXX collection company the same documents and called but since I had to call the department of insurance over them raising my premiums constantly they retaliated against me. XXXX XXXX honest truth. 

Look, I have no reason to lie, I am dealing with the same XXXX XXXX that XXXX XXXX had and I don't have the time to waste and XXXX people. My time is extremely of value. So, calling Trans Union a hundred times really made me livid. I am following up with their headquarters as most importantly they blocked my online access. 

I thank you very much, no really! I mean I thank you for extremely for existence and some justification, otherwise this stuff would never end! It's garbage. 

Respectfully, 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 explanation
Consumer complaint received 2023-02-04
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$2900.00}

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 non-monetary relief