BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
This is follow up complaint I filed regarding XXXX XXXX XXXX on XX/XX/XXXX, ,and now transferred to XXXX XXXX XXXX , SERVICER NATIONSTAR MORTGAGE LLC. , loan reference NO.XXXX. 
Now my only home I grew up was forclose and sold on auction by XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. 
On XXXX I sent " QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST '' but it was ignored by NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX Waters Blvd.. TX XXXX, XXXX. number XXXX XXXX, and to NATIONSTAR 'S ATTORNEY THE XXXX XXXX A LAW CORPORATION address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CALIFORNIA XXXX XXXX 
President Obama 's Executive ORDER XXXX " Establishment of the FINANCIAL FRAUD ENFORCEMENT TASK FORCE " explicitly acknowledge the existence of significant crimes and other violations in XX/XX/XXXX, The Department of Justice worked out a settlement with XXXX XXXX XXXX and did not consider this settlement.. 
Now I am dealing with XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX .One of their agent name XXXX XXXX harrassing me to leave my house because i do n't own it anymore.. 
I notified NATIONSTAR MORTGAGE and informe me the company harrassing me is unknown to them .I was told by XXXX XXXX XXXX TO SIGN ANOTHER AGREEMENT. 
I feel like I am facing another fraudalent activity.PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: NAVY FEDERAL CREDIT UNION
State: AK
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:
XXXX XXXX XXXX  said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX  dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. 
Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX get my identity info and pass it to there XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: CITIBANK, N.A.
State: OH
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:
Case Number XXXX I would like to APPEAL that case and get it resolved. I will seek further legal actions against citi bank if it wont get resolved. CFPB complain number XXXX-XXXX  Ordered merchandise WAS NEVER RECEIVED! MERCHANT FAILED TO DELIVER ORDERED DOOR! 
On XX/XX/19 I prepaid deposit XXXX $ using Visa card. 
On XX/XX/19 merchant contacted me that door was ready and I paid remaining balance online XXXX $ using citi card On XX/XX/2019. My husband picked up the door and when my contractor saw the door same day it was very poorly made, and bowed and would be impossible to install. Moreover it didn't look like anything we ordered. See attached photos. 
On XX/XX/19 merchant agreed to to take the door back and make replacement door within 2 weeks. 
On XX/XX/19 my husband RETURNED the defective door to the merchant in person. I have screen shot as well. 
On XX/XX/2019 I contacted the merchant asking about the replacement door since it was 2 weeks and they promised to have it ready by XX/XX/2019 On XX/XX/19 I contacted merchant again and they promised to get the door ready by XX/XX/19 for pick up. 
On XX/XX/19 merchant informed me that door is not ready and they will deliver it on XX/XX/19 to my house. 
On XX/XX/19 merchant never delivered the door and failed to respond to my messages and phone calls. I tried to contact merchant again on XX/XX/XXXX and never heard back, same day I filed disputed with citi card and visa card and ordered the door from different merchant. Merchant had 2.5 month since order was placed in XXXX to deliver door as promised and failed to do so or communicate with me on a timely manner.. My husband is a military veteran and the way citi bank handle this case is unacceptable. I have been a loyal customer for a long time. 
Also attached is a screen shot where on XX/XX/2019 we canceled the transaction with the merchant due to NON DELIVERY and NON COMMUNICATION! I DONT HAVE MERCHANDISE IN MY POSSESSION. 

On XX/XX/19 citi bank contacted me claiming I need to provide slip that merchant agreed to refund me, witch is NOT the case. Citi bank refused to help and resolve the case!

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 2023-11-03
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
calalry portfolio services, LLC says i owe them money and i have tried to resovled the problem because i dont know anything about this debt with cavalry portfolio services , LLC i dont have a contract with them i havent even signed any papers with them they have damaged my credit report for something i dont know anything about. they are invading privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'd like to request a copy of the contract that was opened with my social security number as evidenced by the hard inquiry reporting on my credit report ( page XXXX of the attachment, circled in red )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Carvana Group, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
This complaint is towards a car agency by the mane of Carvana. I contacted the company on XX/XX/2021 in hopes of purchasing a vehicle. I applied for the vehicle ; this is where I was told that I was pre-approved. During this time, I was also given terms to where I would have to put a down payment down to finance a vehicle. According to 15 USC 1605 " Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable '' They can not charge me a down payment in the same transaction, where a finance charge is involved. According to 12 CFR 1026.2 ( 18 ) " ( 18 ) Downpayment means an amount, including the value of property used as a trade-in, paid to a seller to reduce the cash price of goods or services purchased in a credit sale transaction. A deferred portion of a downpayment may be treated as part of the downpayment if it is payable not later than the due date of the second otherwise regularly scheduled payment and is not subject to a finance charge ''. Everything based on this complaint is based in line with the truth and lending act when it comes to consumer. I went out may to ask the young lady who stated she was a supervisor, where their policies governed by truth and lending. She stated yes so, I am willing to produce phone records or whatever I need to produce if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: I.C. System, Inc.
State: NJ
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:
Under this original complaint number XXXX, the company stated that they would remove all of the reporting from my credit bureaus and validate the debt. They also said they would not re-report the debt on my credit report. They have violated this and according to FCRA 611 - 15 U.S.C. 1681i, so has XXXX for allowing this information to be represented on my report. I have disputed this information and intend to take legal action against them both for violating this agreement. 

*New updated complaint number 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 2023-11-28
Company: VALLEY NATIONAL BANCORP
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received my XXXX report and noticed a inquiry from Valley National Bank on XX/XX/2023. I have not conducted any sort of business with this financial institute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2015 I applied for and was granted a modification of my Mortgage with my lender Nation Star Mortgage. XX/XX/2015 I started my 3 trail Payments of {$880.00} for the three months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all of which were paid ahead of the scheduled time for the payments to be made. On XXXX XXXX 2015 ( I believe to be the accurate date ) I received notification that all of the trail payments were successfully applied and that my new modification payments of {$820.00} would start on the XX/XX/XXXX, I then made XX/XX/XXXX payment in advance and sent it in by XXXX XXXX to be applied for XX/XX/XXXX 's payment. However on XXXX XXXX I received notice that XX/XX/XXXX 's payment had not been made I immediately contacted Nation Stars customer service center to find out why they had not processed my XX/XX/XXXX payment. The response I got back was that we did not successfully complete the trail payment program to which I promptly stated that this was not accurate and produced the documentation to prove it. Nation star then informed me that they would begin an investigation and would contact me within 5 -10 business days with their findings, which they never return my repeated calls to them after the time limit for them to respond had expired. At that point I began to put the Mortgage Payments into escrow and informed them that I needed to know whether or not to send the payments to which they responded no because they would be placed in a hold until they completed their investigation. On XXXX XXXX I contacted Nation Star Mortgage again and inquired of them as to when there investigation would be done the receptionist on the line stated to me that there had not been and investigation initiated to which I responded that it should have begun XX/XX/XXXX and she stated again that there was no such investigation initiated. I the asked her to find out what happen and she said that after looking at the notes on her screen that there appears to be and inquiry of when you called and asked for the investigation by nothing was ever put in, to which she then stated that she would put the paperwork in. On XXXX XXXX I received an act XXXX stating that Nation Star Mortgage was initiating fore closer proceeding against me. I then went to see the people at American credit counseling agency and they informed me to file this compliant with you. I am hopeful that you can offer some assistance I currently still have in escrow three payments of {$820.00} totaling {$2400.00} and will continue to place my mortgage payments into this escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: ALLIANT CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023, I submitted a check for deposit via Alliant CU mobile app. Nothing was stated in the dialog box before I presented the check for deposit, saying it would have a 14-day hold on the check due to it not being a payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016 I submitted a written request to end escrow of my HOI and ESCROW TAXES ONLY. I received a call in XXXX indicating they received the request to ESCROW TAXES ONLY. Nationstar did not process my request until XXXX 2016. When they processed the request they closed my escrow count completely. I requested to ESCROW TAXES in all communication and instead nationstar mortgage closed my escrow account completely. I have never asked them to close my escrow account completely. I have always asked for ESCROW TAXES ONLY. I am now having to make 10-20 calls to have this issue fixed and I have a tax payment that is due from escrow next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received 1 letter in the mail that looked like a postcard in regards to this debt from Capio Partners. I had no idea what it was for and when I XXXX the company name there is a lot of bad reviews that this was a scam. When I called to get more information and possibly settle the debt, I was not helped. The guy asked for my full social security number which I was not comfortable givign over the phone ( espcially since I had no idea what this was about. ) When I offered to give him my birthday of XX/XX/XXXXhe said that was not my birthday. I was then disconnected from the call. I honestly thought this was a scam sicne he said that wasn't my birthday and asked for my full social. I have no clue what this debt is for or from when it was and I have not recived any other type of letter or communication regarding this. I was made aware of it being placed in collections due to a XXXX XXXX alert. Please remove this from my credit report as a derogatory mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an inquiry on my XXXX  credit report for Caine and Weiner from XX/XX/2019. I did not authorize this inquiry at all. I contacted XXXX  and was told to contact the company ( Caine and Weiner ) that made the inquiry to have it removed. I did reach out to Caine and Weiner and was told that they only placed a collection account on my report, not an inquiry. My XXXX report clearly shows an inquiry from this company on my report and I need help having it removed as it was never authorized. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-04-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Received an insurance claim check from XXXX XXXX XXXX made payable to myself and wife, and our Mortgage Company. Mortgage Company is refusing to endorse check and release funds to us. They provided requirements of the documents they would need to release funds, we have provided all documentation provided to Insurance Company who reviewed and approved the claim and the money to fix our home. Every time we call/contact Mortgage Company, they claim that we need different paperwork or in some other form, and often times when calling their customer service line, they are based outside of the US, there is a distinct language barrier and calls are disconnected. There are no physical branches or US based customer centers, everything is done via phone and mail, which the Mortgage Company then advises that all transactions take 10-20 business days to process. Meanwhile, the Mortgage Company is refusing to release funds from the Insurance Company to us and we can not complete the work to fix the damages to our home from a busted pipe that would restore the home to its previous state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: PHH Mortgage Services Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
PHH is our mortgage company. We are now attempting refinancing with another company. They have not provided a payoff amount, despite repeated requests to them and to their attorney 's office. I initially requested this on XX/XX/XXXX. It is now XX/XX/XXXX, and we still have not received ANYTHING. We are ready to close in all ways except we ca n't get the payoff letter from them. Tomorrow, our locked in rate expires, and we have still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account has been closed by Wells Fargo with no further explanation other than the bank has the right to end the relationship with you. I am trying to get further information as to why an account with XXXX and activity as of XX/XX/XXXX  was closed. Im concerned that my identity was stolen so I would like more information from the bank as to why the business relationship was ended.

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