BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a first time home buyer and purchased my home this XXXX 2015. My loan was sold to NationStar Mortgage and they have completely screwed up my escrow account. My taxes are set up to be paid on a semi-annual bases. As part of my settlement fees my first installment of taxes was paid in XXXX. The next installment was not supposed to be paid until XXXX. I log into my NationStar account and see that my monthly payment is now over {$250.00} more. Of course I am confused as to why. I check my escrow statement and am mortified to see that NationStar paid the annual tax amount and now they say I have over a {$3000.00} shortage. This is only the beginning of the damage! I call the XXXX and they said yes we did receive another payment in XXXX but it was only for the remainder of your taxes not the full amount and it was from somewhere called XXXX. I call NationaStar and they say they do n't know who XXXX is and that they need to call XXXX XXXX to see where the check for the full amount of my taxes is. XXXX XXXX says that they did not receive that check. So now NationStar is researching to find out where the check is! Oh and on top of the XXXX is a subsidiary of NationStar and the customer service rep did not even know that! The horrible part is I have no idea where the money came from that was sent from XXXX because it did not come out of my escrow account! Now NationStar has advised me that it can take up to 10-15 business days to resolve this so I have to pay the higher mortgage amount for XXXX. I am a single income household and only have been a home owner for 4 months and I ca n't believe I am going through this. I would have had my tax money in my escrow account for the XXXX payment! Please help me resolve this matter quickly before my finances are screwed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I filed two complaints against AMEX for failure to comply with basic standards in customer service and the multiple promises AMEX mangers made to address miscalculations from a fraud claim in they own stamens ( when I for years was on an auto payment for the entire balance of my account ) and AMEX essentially ripped me off. 
They have been rude, dismissive, hung up on me, insulted me, promised me to 'recalculate the problem ;, and then never followed through. 

Now that they know Ive filled with the CFPB, my XXXX AMEX points have been locked away... 

This is beyond unprofessional. Please help. These individuals are ridiculous, can't seem to manage their own complaints internally ( I've been called 4 times at XXXX XXXX and repeatedly forced to verify my time zone ... yet then the members still don't SEE I LIVE IN HAWAII,,, meaning they didn't update my file to reflect the home and billing address time zone, just wasted my time ). 

This week, I waited on hold for an hour for a manager. I was promised XXXX, who left me a voicemail the day before, would call back. He never called back. The next representative XXXX reminded me what a useless consumer I am in derogatory comments and waiting on hold an additional 20 minutes... 

I want some justice here. I want my points worth over {$1000.00}, much less an apology and their correction to months of toxic neglect, threatening emails and text messages, when AMEX SCREWED UP THE REFUND!!! 

On XX/XX/XXXX, XXXX, an AMEX manager admitted over a long conversation the statement in question was wrong and promised to correct it. THAT NEVER HAPPENDED, instead UI 've been threatened and harassed more. 

So, complaint # XXXX, Please, CFPB, help. Of just join in the nonsense. I have no faith in any of you now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Called JP Morgan XX/XX/15 to dispute charge from XXXX XXXX XXXX XXXX for a ticket never issued therefore constituting an illegal insurance fraud charge. 
Chase refused to dispute the charge leaving money missing from my account permanently and fraudulently. 
They also stated " they are allowed to violate XXXX and XXXX laws for wiretapping '' and continued to record me without my consent. 
Illegal wiretapping is a criminal and civil offense punishable by XXXX - XXXX fines per conviction including jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to contracting XXXX in XX/XX/2021, requested forbearance on mortgage from Mr. Cooper. That was granted. The forbearance timeframe was extended twice. During the time of forbearance the following occurred. 

Four full monthly payments were made to keep the total owed at end of forbearance manageable. 
Application made for loan modification one month prior to end of forbearance Spoke with agent XXXX in Texas on XX/XX/2021 requesting status of loan modification based on the fact that the website only stated no payment due amount and that account was with underwriters this had been the case for weeks. I was informed by XXXX to wait for my loan modification paperwork. XX/XX/2021 and the paperwork has not arrived. 
Tried to make payment online on Mr. Cooper website and the website states I can not make payment until the full outstanding account balance is paid. A total of {$19000.00} this is at the time that I am supposed to be filling out documents for a mortgage modification Spoke with agent XXXX in Arizona on XX/XX/2021 @ XXXX XXXX. At that time I was informed that I had to fill in my paperwork for loan modification online within a short timeframe. In addition she claimed that I had been denied a previous loan modification from Mr. Cooper. This is patently false. Mr. Cooper agent asked me in the past if I wanted a loan modification. I would not consent over the telephone and asked for documents to be mailed for me to look over the terms. I never agreed nor did I sign a modification aggreement. 
I have mailed all payments in the full amount of my monthly payment as agreed. When I printed out my payment activity, funds were applied in the amount proposed for the loan modification I never agreed to. The difference was added to unapplied funds. 
I have now been invoiced for the full outstanding balance after forbearance of {$19000.00} I am a senior citizen on a fixed budget that has been continually fending off this mortgage servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: FISERV INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My checking account was closed to do this fraudlent check which i thought was taken care of back in feburary. Then I had to get my bank involved over a {$300.00} check that never should have cleared. My checks were thrown away! I will be sending over 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 2023-06-20
Company: Experian Information Solutions 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 fourth 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 Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: NC
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 sent letters about some items on my report. I have not recieved any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immeadiately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Fidelity credit card and they offered me {$150.00} worth of points if a spending threshold was met in the first 90 days. I met the threshold and then they promptly canceled my account and will not pay me the {$180.00} worth of points in my 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 2015-10-26
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
About 2013 I had lost my house because it was unable to sell. The loan amount was alot more than i could actually get for it. The house went into foreclosure. The house sold on XX/XX/XXXX for XXXX. The XXXX mortgage with a balance of XXXX was never taken care of. between XX/XX/XXXX and XX/XX/XXXX i have tried to communicate with them about this matter, they would say ok we will note that the house has been sold and yes it should of been taken care of but in the years it has still been on my credit report saying late/ non payment. I called them again today and i was on the phone for 1 hour and 5 mins. transferred to XXXX departments and no one could help me. At the end they told me that i have dedicated specialist and gave me her number and said it was now marked as a " Charge Off. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: WLCC
State: MN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received an emailed unsolicited loan decline from an organization called Explore Credit. Because of my already low XXXX XXXX, I have not applied for loans since XX/XX/XXXX. Until today ( XX/XX/XXXX ) I had never heard of Explore Credit nor applied for one of their loans through a third-party or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took loan from Nation Star Mortgage company XX/XX/XXXX. There was PMI at that time which has a Disclosure. This disclosure reads that we can request the PMI cancellation when LTV reaches 80 % or less which reached on XX/XX/XXXX. we have been requesting the nation star to remove PMI from XX/XX/XXXX but the company is not reading the disclosure and just telling us different stories like they need new appraisal where. as in the disclosure it is very clear that all will based on the Original value at the time loan was consummated, This disclosure part of mortgageSee attached disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced with XXXX XXXX XXXX last year. The loan was subsequently sold to Nationstar Mortgage and has been serviced by Nationstar since. My property has XXXX tax parcels. When I closed the loan, I made sure that both parcels were documented for the escrow account. I deposit over XXXX dollars to the escrow account with Nationstar on a monthly basis. A few months ago, I was alarmed that only XXXX of the tax bills has been paid out from the escrow account. Nationstar has missed XXXX payments of the other tax bill, which accounts for about 90 % of the entire tax liability. Now even though I have sufficient fund in my escrow account, my property tax is delinquent and significant interest has accrued on the tax due to late payment. I 'm at risk of having my credit damaged and having a tax lien on my property. I 've been calling Nationstar every week but they have n't resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The complaint is with Ability Recovery Service. I was involved in an auto accident in XXXX. There was a medical bill that was PAID. It went to collections by accident, and I was able to successfully dispute it, as it was already paid. Ability Recovery Services contacted me on XXXX about a medical bill that they would not fully disclose. They informed me that if I did not pay them, they would have the police come and arrest me. They also insulted me in several terrible ways, calling me a financial failure and telling me that I belong in jail for not paying my debt. I told them that I had already successfully disputed this, then they told me they would be sending the police to determine whether I was a liar. I was at work during this time, minding my own business and it really upset me because I was not expecting someone to call and talk to me like that. They keep calling and I just want them to stop. Every time, they progress with the insults. This is not even a real debt!

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 2023-11-29
Company: EQUIFAX, 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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Affirm Holdings, Inc
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Affirm reported my paid off loan to XXXX. My credit limit was increased and other loans were made and paid in full and on time. Because Affirm showed my first loan was paid and NO NEW loans were reported, my credit score was lowered instead of increased by the repayment of more loans.. This is damaging and has prevented my establishing new lines of credit due to a lower than actual score if all " Eligible '' loans were reported. 

In 2 years I had multiple loans and payments, all paid on time or early in full without a single late payment. 

They claim that not all loans are eligible for reporting and that is not in dispute. What is in dispute is that the loans not reported are identical contracts language wise as the previously reported loan, but were of different contractual amounts and term length which were 12 months instead of 6. 

The problem is the conflict of interest. With failure to report my perfect credit history with Affirm, it has severely limited my ability to seek other credit lines and reduced my ability to increase my credit score leaving me with only Affirm as as " XXXX XXXX XXXX '' Their policy in this matter is a racket to maintain a monopoly of sorts by preventing me from seeking other and better options. 

This has damaged me as the failure to report has lowered my score instead of increasing it. The ability to rent, purchase, or get credit without security deposit and extreme interest rates has been suppressed. 

Affirm actually offered and I accepted a credit card to be used at any location. But I have to " Prearrange '' the transaction and amount before purchase. I have been turned down for other lines of credit that I would have qualified for if my paid off and current loans had been properly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
State: NC
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:
I have been trying for months to fix the issue with XXXX XXXX. They are reporting not one but two late payment on my account I have proof that I have paid the minimum balance every month before 30 days. I paid XXXX dollars XX/XX/18 payment due XX/XX/2018 minimum XXXX. I paid XXXX dollars XX/XX/2018 payment due to XXXX minimum payment XXXX dollars. I also paid XX/XX/2018 XXXX dollars minimum payment XXXX dollars. I have contacted XXXX  and XXXX  and they will not fix the problem after an investigation. I would like these false remarks to be removed from 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 2023-06-20
Company: Affirm 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:
Hello CFPB this complaint is in response to affirm on the previous CFPB complaint ID # XXXX That affirm is accusing me of opening a loan with them to purchase from XXXX I have contacted XXXX on XX/XX/23 spoke to a representative by the name XXXX may gave them the XXXX order XXXX XXXX affirm is accusing me of and upon verification from the XXXX representative they XXXX not find that order number to be associated with my XXXX account will provide supporting documentation attach to this complaint, additionally since I believe this was fraud Im requesting affirm to properly investigate this matter as I dont believe they are, they are saying an electronic signature was used for this loan then there should be a digital trail left behind from that so please provide proof in what location that digital signature was made also if this was for an XXXX order please provide the tracking number that was used and what location this order was delivered to?

Company response to consumer: Closed with explanation