BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-01
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
have mailed in payment 4 times and paid exactly the amount they sent in writing. Have been trying since XX/XX/XXXX to pay. also sent in copy of my account from the website. they sent every check back because the amount was slightly different from what they claimed. the amount always changes. then asked for a detail breakdown of exactly what is owed. what they claim as detail is not clear- is not a clear breakdown of exactly what is owed. see attachments for their last letter- is not a clear breakdown. copies of prior payments also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I previously owned a home and it was re-financed w/ a partner who had vested some capital to keep it from foreclosure. Due to economy recession I rented the property.. The partner had forcefully moved in by changing locks on a new renter. Later the loan was modified without my authorization or knowledge by the vested partner. The partner failed to make MGT payments and the home went into foreclosure. NationStar Bank would not work with my attorney towards re-modification of the MGT even though I had completed a Modification Package they sent me. NationStar failed to follow up with me or my attorney towards making the arrears current and forclosed on the property as it had significant equity. It sold the property for XXXX + Profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have disputed with XXXX  and Equifax an account which needs to be removed from my Credit Report. XXXX agreed to completely delete the account from my credit report. They even provided me a letter stating this information which I have sent to both XXXX  and Equifax. When I spoke with XXXX they informed me that they let Equifax and XXXX  know to delete the account but when submitting the disputes the account remains on my credit file. Please assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-10-10
Company: Experian Information Solutions Inc.
State: PA
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 recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-05-07
Company: Experian Information Solutions Inc.
State: CT
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:
AS OF XXXX XXXX XXXX  I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE
ACCOUNT NAME: XXXX XXXX
6 LATE PAYMENTS
Credit usage XXXX  Balance XXXX
Balance updated XXXX XXXX XXXX  Credit limit
XXXX  Account number
XXXX  Open/closed
Open
Date opened XXXX XXXX, XXXX  Account type
Credit card
Status
Open.
Status updated XXXX XXXX  Highest balance
XXXX
Monthly payment XXXX
Last payment date
XXXX XXXX, 2023
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX  Phone number XXXX XXXX
THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS 
AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL...SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT

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 2022-11-03
Company: U.S. BANCORP
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: Didn't receive advertised or promotional terms

Complaint:
I have had the XXXX XXXX XXXX since XXXX. Id kept the balance very low. They sent us promotional checks with 0 % APR for 12-18 months. I used one of these checks for a home improvement project. In the next statement I saw a fee for {$290.00} as balance transfer fee. When I called customer service and pointed out thered been no balance transfer they basically stone walled me an insisted that I was not being charged interest. This is clearly misleading promotion. Is should point out that XXXX XXXX sold their credit card business to Elan Financial services.

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 2022-11-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a text message pretending to be J.P Morgan asking if I made an absurd purchase that I did not recognize. I responded to the text with " No ''. They proceeded to call me right away, pretending to be Chase bank agent. They already had some of my personal information to gain my trust, then proceeded to tell me that my debit card has been compromised and must make a new one. This happened in a very unfortunate timing, because a few weeks prior to this event, my debit card was ACTUALLY hacked and there were multiple attempts of using my funds in absurd places like XXXX. So I had a real Chase agent help me get a brand new debit card on XX/XX/2022. Also beginning of the same month, my XXXX account was also hacked where my card and personal information was compromised and I believe it was the beginning of this huge downfall. 

Fast forward back to XX/XX/2022, the scammer successfully pretended to fix my debit card issue. And then he recommended that I also create a new account to be more safe. At this point, from my perspective, this was my 3rd time getting hacked in less than a month! Therefore I was in a very vulnerable mental state. So I trusted everything he said and followed his directions. He texted me a FAKE Chase website link ( XXXX XXXX XXXX XXXX XXXX  ) where he made me log in and give him the security code so that he can access my account. Then basically I was fully manipulated into wire-transfer all my funds to this " new account '' he created for me- which obviously was a lie- it was to a 3rd party bank. Most likely the scammer 's alias bank account. 

On XX/XX/2022 I began suspecting that I might have gotten scammed since there was no " new account '' created under my Chase account nor the funds came back. After hours of speaking with actual Chase bank agents, I was able to at least submit an identity theft claim. They told me to wait at least 9 days as they investigate. 

As of XX/XX/2022, today, I just got off the phone with Chase telling me that their attempt to get my money back was futile and unsuccessful and that there is nothing else that they can do. So I am left with no help other than going to the police. So this is my attempt at bringing justice back into my life by writing this to whomever it may concern. Life has been tough, and I finally made some money doing good work just to lose them to a scammer... There must be a way to investigate further and track down this criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company mistakenly tagged my account to a " Promotion '' that I did n't initiate nor did I approve. The " Promotion '' changed the terms of my mortgage contract which inadvertently increased my monthly payment. I 've made several attempts over a 6 month period to get the issue resolved. Unfortunately, the mortgage company has spun me into a bureaucratic circle repeatedly and the issue still is n't resolved. The mortgage companies failure to resolve the issue in a timely manner led to another series of events and issues with the main issue being that Escrow was added, home owners insurance was added and taxes were added. These are items that I 've historically took care of myself from separate accounts that are detached from my mortgage for the last 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I received a letter from Nationstar Moartgage LLC, my current lender on an investment property located at XXXX, XXXX XXXX, XXXX XXXX, CA. The letter from Nationastar states that I could lower my monthly payment by {$160.00} with the same terms as my existing loan, and more importantly, with no costs to me. 

Because of the lower payment, I called Nationstar and talked to a loan specialist called XXXX. Once I started talking to XXXX, then I realized this is a " bait and switch '' scheme. He told me that my current loan is very favorable and can not get me a lower payment with a new loan. He then tried to get me to sign up for a new loan, with either fees upfront or a shorter term for a lower rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-10
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with Chime due to an unauthorized charge for {$280.00} with XXXX XXXX on my debit card which I reported immediately after noticing the charge and reporting my card holder/wallet lost. The dispute was officially filed Thursday, XX/XX/XXXX at XXXX which I spoke to the disputes representative and provided the required details about the transaction such as when did I notice the card was missing, when did I last use the physical card, etc. Chime got back to me the next day Friday, XX/XX/XXXX at XXXX stating that no error occurred with the charge and the claim was closed. I then contacted them requesting the documents/ evidence used to determine their cause. They did get back to me with the " documents '' they used to determine their claim and everything was inaccurately filed in by the dispute representative such as them stating " none '' when asking if any personal belongings such as my wallet was lost/stolen. When speaking to the disputes representative prior, clearly stated that my cardholder/ wallet was lost. I believe the representative purposely put the wrong information into the claim form for reasons unknown to me and I wish Chime 's quality assurance team, if there is one, would listen to the intake call for claim ID XXXX so they can hear my original answers to the dispute questions. I am very confused and frustrated with the carelessness of this bank 's lack of customer service and inability to make their consumers feel protected. 

This bank did no research whatsoever to determine my claim and was very unhelpful in helping their customer feel safe and protected. I have also attached copies of emails to and from my communication with Chime about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
They are Collections on my credit report that I was not acknowledge of this being on my report I sent a dispute to all XXXX  credit bureaus they havent got back to me XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Amount {$870.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$670.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$600.00} According to the law XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the nouce or ine dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
Hello I have applied my Amex XXXX personal Credit card with American Express on XX/XX/2022. And the Agreement says XXXX $ threshold limit for getting XXXX points. I have reached the threshold amount and paid back on XXXX, XX/XX/2022 itself. But i haven't received any welcome Bonus points yet. When i call American Express customer care they are giving different time frame to provide this XXXX points. But now i have waited for all the time frames and not yet received the points. when i ask them they are not answering properly when i'll get my points. I have attached my payments details from the first statements. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a complaint to the CFPB on XXXX XXXX, 2016. ( Case No. XXXX ) The bank allegedly responded on XXXX XXXX, 2016 to the complaint and said " Per the coding on the account, a response has been sent to the attorney on file. '' I checked with my attorney who represented me previously in a lawsuit involving the bank and he stated he has not received any response from the bank regarding my CFPB complaint. By the time I tried to dispute the bank 's response, more than 60 days had elapsed and I could n't respond. Please reopen this matter and ask the bank to resend the response they allegedly sent to my lawyer directly to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I responded to a sublet ad on XXXX on XX/XX/2022 and received a response from a man named " XXXX XXXX '', reporting to be the tenant of the apartment for sublet. I was told by " XXXX XXXX '' that he leases the apartment from the owner, " XXXX XXXX '' and he is currently traveling as a traveling nurse and was looking for tenants to look after his place. This person provided his passport photo and many pictures and information about the apartment, I was able to locate him on XXXX and it lined up with his emails. A neighbor through XXXX informed me that the XXXX advertisement was legitimate. I paid {$1000.00} security deposit through PAYPAL to the landlord " XXXX XXXX '' on XX/XX/2022, with a text response letting me know I would receive the keys and payment receipt and an accompanying email from " XXXX ''. I received neither and stopped receiving messages from " XXXX '', however, " XXXX '' continued to email with me, until I went to the building on XX/XX/2022 ( despite being told I would not be able to go inside ) and saw that the actual tenant was named XXXX XXXX, with whom I confirmed that I had been scammed by " XXXX '' and " XXXX ''. 

PayPal declined to resolve my complaint after I learned it was a scam/fraudulent transaction. 

The money was transferred via scam through PayPal and I demand a refund immediately from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 hope you are having a good day! This is XXXX XXXX submitting this CFPB complaint to the Credit Reporting Agencies today to inform the Credit Bureaus that I was the victim of identity theft. I made a research on how to remove the fraudulent information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

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