BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-06
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a form requesting acknowledgement within 5 days and response and proof of who is the legal trustee of my mortgage to Nationstar Mortgage, they finally submitted a letter with a forged and falsified balloon note on XXXX XXXX, when the request was sent on XXXX XXXX. They claim only XXXX holds the note, when I sent an email to the company it came back non deliverable. XXXX XXXX claims they hold the note but can not figure out how to reach them as when I call the company my s.s. does not come up. I have also tried to get a loan modification and they have said I did not send in the paperwork when I did and XXXX went to the bankruptcy court to dismiss my case when they have no proof of holding and certificate or note to foreclose without offering me any assistance to catch up. We had to make them an offer but I never signed any paperwork nor did the bankruptcy judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Public record information inaccurate

Complaint:
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have contacted XXXX XXXX, XXXX, Equifax, XXXX, and XXXX and they refuse to remove the invalid bankruptcy on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I received a email from chime stating that my account had been closed. They didnt send me any email prior letting me know that this would be happening. When I reached out to chime customer service I spoke with a representative and a manager. The manager stated that she also didnt see why my account had been closed and that she didnt see anything that was sent out to my address or email before hand letting me know that they would be closing my account. The only resolution she gave me was for me to email chime support department for some kind of answer since they dont have a phone number. I sent a email to them for them to say that I didnt meet the deposit agreement in which I knew was a lie since I had just had my tax refund deposited into the account on XX/XX/2023 not even 30 days ago. I let them know that I was waiting for a refund to be sent to my chime account and ask for them to reopen it. The only reply I received back was that I would receive a check in the mail in 30-45 days for the funds in my account. No one has emailed me back since then. I banked with chime for over 3 years and never in my life have I dealt with something so unprofessional before. This has inconvenienced me in so many ways and they dont even care. Im unable to get my money out of my account they didnt even give me proper notice so I could have moved my money. Now I cant pay my bill until I receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We initiated a transaction on {$160.00} from our XXXX account on XX/XX/XXXX to pay our XXXX credit card bill. XXXX shows our account being charged {$160.00} on XX/XX/XXXX. XXXX informs us that the payment was not received until XX/XX/XXXX ( 13 days after initiation ) and as a result charged us a {$30.00} late fee and {$5.00} interest fee. We contacted XXXX who agreed to waive the {$30.00} late fee but they then escalated us to a manager before finally agreeing to refund the {$5.00} of interest. They asked, and of course I didn't know, whether the payment was made from chase as a paper check or electronically and advised me next time to pay by phone. I then contacted XXXX to determine whether bill pay would be reliable for us going forward. With plenty of hold time in between, XXXX customer service transferred me to disputes who transferred me back to customer service who transferred me to the " quick-pay team ''. This team told me that the check was cashed by XXXX on XX/XX/XXXX. When I asked XXXX why a paper check was sent, XXXX said that they payee requires paper checks. 

I am frustrated with XXXX who charged me fees for a digital payment supposedly being just a day or two late ( they said they saw it in their system as of XX/XX/XXXX ). I'm frustrated that XXXX is apparently not able to live up to the " 5 day '' claim of paper check payments ( let alone the XXXX days they say an electronic payment takes ) and that they are not interested in taking accountability or even investigating on their end. XXXX is not interested in working with XXXX to resolve this dispute. They did generate for me a proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have the following several credit inquiries that were not authorized by myself. 

XX/XX/XXXX - XXXX attempted to access my credit report without my consent. Spoke with XXXX XXXX XXXX, a credit freeze and fraud alert was recommended. 

XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX  ( XXXX ) pulled my credit report multiple days. I only authorized my credit pull on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX XXXX ( XXXX ) pulled my credit report without my consent. 

XX/XX/XXXX - XXXX XXXX  ( Factual Data ) pulled my credit report without my consent. I only authorized a report dated XX/XX/XXXX.

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

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT.THIS IS A NEW COMPLAINT THE XXXX ISSUE WAS RESOLVED.NOW ITS STARTING ALL OVER AGAIN.PLEASE HELP ME WITH THIS ISSUE .READ MY COMPLAINT, IT IS A SAME PROBLEM THAT WAS RESOLVED BUT NOW IS STARTED TO HAPPEN ALL OVER AGAIN.MY XXXX COMPLAINT OF THIS ISSUE WAS RESOLVED YOU ARE NO LONGER WORKING ON IT.I FILED ANOTHER COMPLAINT ( case # XXXX ) ON XX/XX/XXXX YOU REPLIED SAYING ITS A DUPLICATE COMPLAINT AND YOUR WORKING ON IT.THATS NOT THE CASE ITS NOT A DUPLICATE ITS THE SAME ISSUE OF A EARLIER RESOLVED COMPLAINT.The XXXX was on XX/XX/XXXX you sent my complaint to the mortgage company and they responded.The isssue was resolved for one month and now its back to the same problem.The mortgage company sent me a letter showing they are working on correcting the problem and if i have any further issues i should contact XXXX XXXX a customer relations specialist at XXXX.Let me say XXXX of all their automated phone system does not give an option to connect to a live person unless you try almost every promt on the system.When i am finally connected with a live customer service person they are unable to resolve my problem and proceed to transfer my call to a specialist which never pick up the call.Their main customer service XXXX is outsourced to who knows where.The specialist are in Texas.Whats the point of outsourcing the customer service line if they do n't have the ablity to resolve the problems of the customer.Well my problem accured again on my XXXX mortgage payment, i over payed like always and wanted some of the overpayment applied to the escrow and some applied to the principal.They ignored my wishes and applied it all to principal.XXXX i called the auto mated customer service line to resolve this and after XXXX of going threw the promts to finally get a live person they were unable to help me and transferred my call to a specialist, who never picked up but i left a voice mail.Then i pulled out the letters from my XXXX time i filed a complaint and i called XXXX XXXX dircet at XXXX she never answered so i left a voice message.She never returned my call so i called again and again and again only to get her voice mail every single time.I left XXXX voice mail messages out of XXXX calls to her over a 5 day period and NOT XXXX CALL WAS RETURNED.It is unexcusable how i have to continue to call and call and call and file complaints over something so simple.Just apply the money the way the customers want it applied, your own statements give us the option of doing that but yet when we use that option were ignored.My XXXX payment was to be applied as {$23.00} to escrow and {$80.00} towards principle.Thats how the payment slip was clearly marked.Like i said this is my XXXX complaint for the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Lincoln Educational Services Corporation
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A loan was FRAUDENTLY put into my name that was NOT applied for. A personal student loan was never in the agreement. Company has NOT sent any statements, terms or anything to me. It has now EXTREMELY negatively affected my credit score. When spoken to they refuse to send information or give me online account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: CBC Companies, Inc.
State: DE
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:
I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the XXXX XXXX XXXX XXXX. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Innovis and XXXX XXXX, are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXX XXXX Credit Card are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, Innovis and XXXX XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Innovis and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-04
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nation star mortgage seems to be churning my file with no intention of Considering a Modification. I believe they are also charging a fee to the investor for the churning of the file. See attached letter and documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/XXXX to remove the fraudulent that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX CRED XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX 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 2022-11-21
Company: JPMORGAN CHASE & CO.
State: PA
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 customer service

Complaint:
On XX/XX/22 I spoke to two separate representatives from JP Morgan Chase Credit card services. First customer service rep ( XXXX ) at XXXX on XX/XX/22 indicated to me the following after I inquired why am I not receiving monthly statements by mail. XXXX XXXX indicated, " you do not have any new purchases that is why your not receiving statements. '' I responded although I have not used the card on a monthly basis I still have a running balance and payments are being made therefore I should be receiving a monthly statement as I do for a couple other credit cards I have where I do not use those cards regularly but have a running balance. After I stated this, XXXX indicated " XXXX XXXX monthly statements are being generated but must be lost in the mail. After I questioned her why XXXX  first indicated, " no statements is being generated because I am not using the card monthly, '' XXXX  said that was a mistake and apologized. At that point I asked to speak with a ( MOD ) XXXX on duty and was asked to hold while XXXX  transferred me. After holding I realized XXXX  just put me back in the loop to speak to another customer service rep. 
At this point I hung up and proceeded to call again where I spoke with with customer service rep XXXX XXXX XXXX who indicated to me the exact same thing as XXXX indicated above, " I am not receiving statements because I have no recent purchases. '' After I indicated to XXXX as I indicated to XXXX that if I have a running statement I should be receiving a statement. Once again I was answered with " my mistake I do see you have a balance. '' When asked if I am signed up for paper statements XXXX indicated " No, you are signed up for paperless '' but previously XXXX indicated statements are being sent to me but lost in mail. I promptly requested statements be sent via paper. 
My question is, how can I speak to XXXX representatives and basically get the same information but when I question them they turn around and tell me something totally different. 
I am asking for your assistance in resolving this matter. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 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 non-monetary relief
Consumer complaint received 2022-02-19
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received notification in XXXX of XXXX that the debt was no longer owed due to the absuive tactics that the XXXX companies I will list below attempted in hopes of receiving money. 
In XXXX of XXXX the XXXX account was closed. Amount was decreased by {$980.00} XXXX then started receiving multiple calls per day before and after the XXXX and XXXX limit, threatening legal action from Comenity Bank Collectors. I submitted a claim last year against this agency and my disputed information was found accurate. 
In XX/XX/XXXX, the account was closed and the debt was removed from my report. 
In XX/XX/XXXX Comenity Bank sold the account to XXXX XXXX XXXX, I have received multiple phone calls again, tried to contact the number on the paper multiple times to ask why this debt is again being reported on my credit report. 
Now it has lowered my credit score and now there is a {$1000.00} amount on my report. 
I do not owe this debt, I have been harassed for over two years. I thought I had this taken care of with my previous dispute and accurate conclusion to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: OPTUM BANK, INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have an HSA account at Optum Financial with my old employer. I left the company but the account remained open since XX/XX/XXXX. On XX/XX/XXXX I submitted a form to close and transfer this balance to my active HSA account with my new employer. Not only did Optum not honor the transfer, unbeknownst to me, they created a new Optum account, and transferred the balance internally without my consent. I received no communication that a new account was opened, or any information on how to find this new account. I've attempted to verify why the account was open, what forms were filled out, and who authorized this new account, but Optum is unable to confirm any information. All the while, they have been charging me an " Account Maintenance fee '' & " Paper Statement Fee '' There was no reasonable way for me to know that I would need to Opt into a paperless statement, because I had no idea the account existed and was opened without my approval, but they still charged me a paper statement fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I requested from Nationstar mortg a final accounting of my account after the loan was paid off in full through a third party title/escrow company after selling the home. I received a refund check labeled payoff overages, but they refuse to sent any breakdown of accounting of the final numbers and fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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:
Dear CFPB, I am absolutely furious to write this complaint against the disgraceful behavior of Wells Fargo in handling a dispute that has dragged on for over 90 days without any resolution, even after the merchant reversed the transaction and callously refused to refund the consumer. Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX My evidence unequivocally proves that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the refund from the consumer within the 90-day period. This strongly suggests that either the bank is shockingly inefficient or, worse yet, is deliberately involved in a corrupt scheme to defraud its customers. I am lodging this complaint with the fervent hope that the authorities will take swift and severe action to hold Wells Fargo accountable for their corrupt actions. Yours infuriated, XXXX XXXX  Subject : Re-Complaint Against Wells Fargo Bank for Gross Mishandling of My Dispute Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to lodge a renewed complaint against Wells Fargo Bank due to their utterly unacceptable handling of a dispute that has endured for over 90 days without any resolution, despite the merchant reversing the transaction and callously refusing to refund the consumer. The details of this ongoing dispute are as follows : Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Transaction Amount : {$76.00} Card Number : XXXX My evidence undeniably demonstrates that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the consumer 's refund for an extended 90-day period. This situation strongly suggests that either the bank is shockingly inefficient or, even more concerning, is actively engaged in a corrupt scheme to defraud its customers. 

I am submitting this complaint with the fervent hope that the relevant authorities will promptly and decisively take action to hold Wells Fargo accountable for their disgraceful actions. 

Yours infuriated, 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