BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-03
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX my ex-husband and I purchased our home. When we divorced in XXXX, as per our divorce agreement, I was responsible for the home and mortgage. I worked with the lender at that time, XXXX XXXX XXXX, and completed an Assumption of the Loan XXXX it was an FHA loan ). In XXXX of this year, XXXX, the loan was transferred/bought out by Nationstar Mortgage. Initially there were no issues, I received documentation only addressed to me with my current last name ( I remarried and legally changed my name in XXXX ). Suddenly, in XXXX, I am now receiving a mortgage statement in my old name and with my ex-husband 's name. The loan is also now showing up on my ex-husband 's credit report as a joint account, mine also. My ex-husband was able to contact Nationstar and get information on the mortgage account. When I contacted Nationstar they said the only way to remove my ex-husband would be to refinance. I explained the loan was only in my name and had XXXX XXXX XXXX re-fax the documents from XXXX when I assumed the loan in my name only, I also faxed them my current marriage certificate. Nationstar initially said they had never had my current name on file only my prior name even though I have documentation in my current name from them. They are currently telling me that I qualify to assume the loan or to refinance to have my ex-husband 's name removed. They are not recognizing the Assumption I completed in XXXX and will not change their records. Customer service told me there was nothing they could do to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These accounts do no belong to me, please block and remove per 15 USC 1681c-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or around the summer of 2021 I opened a Home Depot credit card and project loan card. I purchased kitchen cabinets. I was offered 18 mos zero percent financing at the time. I made the purchase of the cabinets in XXXX of 2021 and after a few months of getting my bills I noticed it said six months for the expiration date of the offer. I realized something was wrong. I called both the store and the issuing bank of the card and told them I was supposed to get 18 months and I only got six. The bank changed it to the 18 month offer. I have no idea how this mistake occurred. About five months ago, I applied with the bank to see if I can get it extended. I realized that there was no way I was going to be able to pay off this purchase in 18 months. It is over {$9000.00} originally. I was denied. They told me I didn't qualify because I had already extended it. I said, no I did not. When? They were referring to the error, the six months to the 18 months. I said but that was an error. That was not an extension. I was supposed to get 18 months originally. Someone made a mistake. Period. Either the store, someone did. I know what I was offered and they for sure have 18 month plans. All the time. How could they even try to deny it? So, now, because of that original error, that went against me and I can't extend the terms.

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 2018-08-14
Company: CMG MORTGAGE, INC
State: AE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am never late with my Mortgage Payments, in fact, I always add enough money to cover at least the next Principal Payment. 
As I am nearing retirement, I am interested in paying off my mortgage entirely so I am now sending additional principal curtailment checks after I send in my monthly payment check. 
The Mortgage Co credits my payment check to my account in two days, but takes 7 - 10 days to credit my principal curtailment checks. Why? 
They claim the delay is due to " Receiving and Processing ''. 
I think they are earning interest on the money and just not being honest about where it is and why it takes so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: KS
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:
According to 15 u.s.c.1681 section 604 A section 2 I have a right to privacy and a consumer reporting agency can not furnish an account without written permission It also states that all information needs to accurate and verified and the agency will verify the information thoroughly.

I have disputed the information for two years and showed the information that is not accurate there is three different social number between the three credit reports the loans and information are different through thought all three. None of the information is accurate and everytime I dispute they ignore it and say verified. There are so many violations on my credit reports According to 15 u.s.c 1681 n ( a ) ( 1 ) any actual damages sustained by consumer as a result of the failure or damages of not less than XXXX and not more than XXXX per violation Civil liability This has almost ruined my life I have not had any credit or debt in my life and when I had to go use credit I am un able to because of this and trying to fix it has been XXXX I have almost ended my life because of the stress and situation this has caused me. I want it fixed immediatly

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 2023-05-25
Company: Experian Information Solutions Inc.
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-06-18
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Judgment was issued pursuant to a continuance of unlawful detainer for FINAL damages and rent. 

plaintiff was XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX The notice of hearing ( XX/XX/XXXX ) to establish was for XXXX and included XXXX in attorney fees ( I have this document ). 

The final judgment was for the amount of XXXX which I paid in full with interest on XX/XX/XXXX. I have the receipt for this payment. 

I am still receiving letters that include threat of legal action from the collection agency unless a balance of XXXX is paid. This balance was changed from XXXX initially and they claimed it was for legal fees which the judgment said were 0. They have not followed through with any legal action. I do not owe any of this money per the judgement. It is now XX/XX/XXXX and the letters keep coming.

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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a copy of my credit report and found the following item ( s ) to be errors.

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 2023-06-18
Company: BARCLAYS BANK DELAWARE
State: CO
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:
Subject : Dispute of Inaccurate Utilization Amount on Barclays Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my Barclays account . The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account. 

Account Details : Bank Name : Barclays Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by Barclays is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower. 

This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported. 

I have contacted Barclays directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to Barclays, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that Barclays corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly. 

I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding Barclays accountable for their inaccurate reporting practices. 

Sincerely, 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 2020-06-08
Company: MiraMed Revenue Group LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020. I took steps to try and re-pay old debts on my credit history. I was trying to do the right thing and repair past medical bills. I contacted the debt company " Miramed '' Group. I actually had my report in front of me. Right from the start, the amounts they had did not match with mine. I questioned this many times. I kept being told that it all added up to the same amount. I did the math and noticed it did not. I still offered to pay a large amount if I could get verification that the 4 separate accounts would be updated. They stated that they would be re-done into one acct. Showing the amount paid and that I was current. I still was not feeling great about the situation. But, with this being my very first conversation with a debt collector and not educated about my rights and what they are allowed to do and not do. I continued on. I did state over and over I did not like or understand how the amounts they had did not even match to one of the amounts on my credit report. Once I decided I was going to pay in good faith. As soon as I stated this. That I would pay as long as it would be updated on my report. The woman IMMEDIATELY started saying just so you know all calls are recorded. And can be used in legal litigation. After this i was placed on hold. When the hold was lifted the woman I was speaking to said she was going to transfer me to her supervisor to complete transaction. When I got on with " supervisor '' the woman asked me how much I could pay? The total amount they had was around {$2300.00} if I rember correctly. Where my reports showed around {$1500.00}. Being still weary of this, I said I would pay {$600.00}. The supervisor then swayed me into paying {$730.00}. She said that this would take care of 3 of the accts. And she could then just make the rest to one acct. With a current paid status. I paid {$730.00}. Since then, NOTHING has changed on my reports. Not the balances or number of derogatory accts. ( 4 ) from Miramed group. I want to know what happened to the money I paid. Why did nothing change. Is this not theft??? Or at the least, misinformation by predatory tactics? I tried to do the right thing and all that happened was I lost {$730.00}. As if I tossed it out the window. I am trying to correct these pasts to try and build up my credit to buy a home for my wife and XXXX  children. This company should not be allowed to operate with such tactics and dishonesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: RoundPoint Mortgage Servicing LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold by XXXX XXXX to Roundpoint. No problems with XXXX XXXX, but that is not the case with Roundpoint. 

On XX/XX/XXXX, I received a form letter from Roundpoint stating that they received a payment from me that was short of the necessary amount by {$50.00} or less. This is absolutely false. This is also the second letter like this they have sent me. The payment my bank sent matches the payment I was required to make according to my mortgage statement from them, and it also matches what they show I paid. It also matches what I was paying to XXXX XXXX. 

Then the same day, I received a new mortgage statement from them increasing my payment, with no explanation what so ever. Calling their customer NO SERVICE number is futile, it is geared to only extract payments from people, not to actually provide service. 

The law requires them to notify me if my payment increases due to an escrow shortfall, and allow me the option to pay it upfront or over the course of 12 months. I have received no such notification, nor have I received an escrow statement showing payments in and out. 

I filed a complaint with Roundpoint online and have heard nothing. Trying to call in and speak to a live person is futile. There was no option to do so. 

Normally, if I experience this level of difficulty with a loan servicer, I could just go refinance the loan with someone else, however, with inflation and the current interest rates, I would be looking at more than a XXXX  point increase in interest, which is likely the reason they are being so difficult, they don't want to service a loan paying 3.25 % interest when a new one would be 6+ % interest. 

They also send out statements on the second day of the month, showing me past due, when my payment isn't past due ( late ) until the XXXX. XXXX XXXX didn't do this, they sent out statements after the XXXX. 

This is predatory behavior. If you look online, Roundpoint has terrible customer service ratings and alot of complaints for exactly the same behavior, and their response is always the same.

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 2022-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 did a balance transfer and paid a fee of XXXX for a XXXX interest balance transfer. Now I have lost my 30 day grace period on purchases when I pay my purchase balance off in full. I am being charged interest on purchases now from the day I make a purchase. This was not understood or clear to me when I did the balance transfer. This is deceptive and unfair as I pay my purchase balance in full each month. The disclosure for my balance transfer should have clearly stated this and drawn my attention to this fact. This is an unfair practice to get people to pay a fee for a XXXX balance transfer and then charge them interest on purchases.

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 2023-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Capital One has been doing multi inquiries on credit report. I have not authorized Capital One to due any inquiries on my behalf. Three times month is unnecessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital One is engaging in harassment in order to collect a debt. I have been receiving excessive calls and texts daily and multiple times throughout the day. This constitutes unreasonable/unwanted contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: CT
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 have a collection account on my credit report. I have been asking for documentation for over 6 months and the company refuses to provide it. I have also asked XXXX to look into the debt and all they do is tell me that they verified it was owed by me but will provide no documentation.

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 2022-09-24
Company: Experian Information Solutions Inc.
State: FL
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A processing company contacted me on XX/XX/XXXX asking me to call XXXX regarding a case file and papers to serve. I called the company at this number. They say their name is XXXX XXXX and XXXX a law firm located in XXXX California. They state they had attempted to serve papers on me to sue me for intent to defraud/refusal to pay a balance on a Lowes Credit card XXXX They gave me a case # and stated the amount they are suing for is {$3200.00} including interest and attorney fees. I told them I dont owe Lowes Credit any money and the balance was paid many years ago and account closed. I reached out to Lowes Credit Card managed by Synchrony Bank on XX/XX/XXXX and was told this account was closed in XXXX and archived and no info can be pulled. 
Today on XX/XX/XXXX a message was left on my wifes phone to call XXXX regarding a case file #. She called them and they stated they are a law firm by the name of XXXX XXXX in XXXX XXXX Missouri. They said they had attempted to serve me papers suing in the amount of {$5200.00} due to an unpaid balance on a Lowes Credit card through Synchrony Bank. My wife told them I dont owe this debt. 
I believe this is fraudulent. They are seeking money I do not owe and I believe they are falsely representing themselves as attorneys. All of these conversations have occurred over phone. I have never received any paperwork.

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