BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-27
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My original mortgage was with XXXX. In XXXX 2016, I was informed that my mortgage would be serviced by Nationstar Mortgage as of XXXX/XXXX/2016. I received an escrow shortgage statement from XXXX in XXXX stating what I owed for the escrow account. If I paid the {$530.00} in full, my mortgage would only increase to {$1600.00}. I paid the shortage in full. In XXXX I get a mortgage statement from Nationstar stating my new mortgage will be XXXX starting XXXX XXXX. I called XXXX and they confirmed the receipt of the escrow payment and confirmed my monthly payment is indeed {$1600.00}. I was also told I would get a new statement from Nationstar ( which I never rec 'd ) showing {$1600.00}. I made my XXXX XXXX payment for {$1700.00}. Today ( XXXX XXXX ) I get another statement from Nationstar telling me my monthly payment is now {$1700.00} I called Nationstar and spoke with representative XXXX and later her manager, XXXX XXXX. XXXX states they do not on file that the escrow amount has been paid. I explained that a check was mailed on XXXX XXXX for {$530.00} and XXXX confirmed on XXXX/XXXX/2016 that the payment was rec 'd and credited as of XXXX XXXX, 2016. Nationstar is claiming until they do a full account analysis, my mortgage payment is {$1700.00}. I was never notified that payment was not rec 'd ( because it was ) or that my mortgage would be increased. XXXX from Nationstar states they will review my account and will contact me in 30 days ( end of XXXX ) of their finding. I informed Nationstar that all future mortgage payments will be {$1600.00} until they put in writing why I should pay more. I then called XXXX and spoke with same rep I spoke with on XXXX XXXX, 2016, XXXX XXXX and she confirmed again that the escrow payment was posted XXXX XXXX and my new mortgage should be {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On Sunday XX/XX/23 I was making a purchase on the Lowes online store site and as I was getting ready to pay I noticed a link at the bottom of the page with the first letter of my name a " XXXX  '' not a " XXXX '' where my name and address matches my form of payment my Lowes credit card. I clicked on the link to update my name and it would not change my name. Immediately after making my payment to the site, I received a pop on my screen from XXXX XXXX XXXX while my VPN is on advising XXXX thwarted a XXXX XXXX XXXX on my account. The Synchrony Bank account is not secure and infected by a virus displaying my account info. I made the purchase via the actual Lowes website and not redirected to a fake website. I tried contacting Synchrony Bank just now and was transferred to a black hole. I proceeded to call back and the wait time is over 30-minutes.

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 2022-11-10
Company: Conn's, 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:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : CONNS APPLIANCES INC ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX  ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: MI
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. 
STATE OF MI XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8900.00} ; 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 response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on a home XXXX/XXXX/16 and Nationstar was my assigned mortgage company. I have received nothing but INCOMPETENT mortgage servicing of my loan since then ranging from mis-sending my mortgage payment twice, ignoring customer input on payment coupon twice, paying my homeowners insurance twice and recently misapplication of funds. I 'm tired of babysitting my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2016-10-28
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I act as a closing agent. I remitted mortgage payoff funds to XXXX XXXX XXXX via overnight USPS. Funds were never cashed. XXXX transferred loan servicing to Nationstar Mortgage. Nationstar ultimately contacted borrower to advise of late payment on a loan that was believed to have been paid in full in preceding month. This resulted in me tendering a new, greater payoff amount to Nationstar. When attempting to contact XXXX, all calls roll-over to Nationstar. Customer service at Nationstar is nonexistent. I have a similar occurrence on another transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: NATIONSTAR MORTGAGE LLC
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint is regarding my mortgage loan, and my unsuccessful attempts to achieve a loan modification or a short negotiated pay-off. 
Since the origination of my mortgage with XXXX, there have been several transfers, both in the owner/certificate holders, as well as the servicers. A securitization audit was completed, to find the current owner of the mortgage. After the dissection of the securitization audit, it was discovered that XXXX did not follow the proper chain of title. 
The loan originated on XX/XX/XXXX. The XXXX for assets to be transferred to XXXX XX/XX/XXXX XXXX, was XX/XX/XXXX. According to courthouse documents, the transfer took place on XX/XX/XXXX, in XXXX, New York. The assignment misses the cut-off date by XXXX years. 
In addition, I was never notified by XXXX, that my mortgage is now owned by their certificate holders. It is my understanding, that by law/regulations which have been established by the government, I should have been notified by the new owner, within the first 30 days. It is by these same practices that XXXX and other banks were fined billions of dollars for the improper transfer of mortgages, and not following the proper chain of title. 
Below you will find an excerpt from a website which lists the guidelines required by the government. 
Transfer of Loan Ownership The ownership and servicing rights of your loan may be handled by XXXX company or XXXX. If ownership of your loan is transferred, the new owner must give you a notice that includes : the name, address and telephone number of the new owner of the loan the date the new owner takes possession of the loan the person who is authorized to receive legal notices and can resolve issues about loan payments where the transfer of ownership is recorded. 
The new owner must give you this notice within 30 days of taking possession of the loan. It is in addition to any notices you may get about the transfer of the servicing rights for your loan. www.consumer.ftc.gov/ ... XXXX Furthermore, upon one of my many inquiries to XXXX XXXX in my attempt to find the current lien holder, I was sent a document with a notice date of XX/XX/XXXX. The notice explained that effective XX/XX/XXXX, XXXX, would be the servicer of my mortgage. This is very strange, since I have never received correspondence from XXXX. This is yet another discrepancy which has taken place, which shows the lack of proper business etiquette and compliance/adherence to the established laws. 
At my request, from XX/XX/XXXX-XX/XX/XXXX, XXXX separate XXXX did extensive research with their XXXX. They could find no record of my mortgage which was associated with XXXX or in their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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 wit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

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 XXXX, XXXX XXXX, XXXX 15 USC 1681, Section 602A, states I have the right to privacy.

15 USC 1681, Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681C ( a ) ( 5 ) Section 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 conviction of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-04
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: Account information incorrect

Complaint:
There is a late payment on my credit card reporting from XXXXXXXX. They bought the Credit Card section from XXXX bank. I have paid my credit card each and every month, when XXXX XXXX XXXX XXXX bought the Credit Card division from XXXX XXXX they did not transfer over the payments from my account to XXXX XXXX  for that month and gave me a late payment despite the fact that I paid the Credit Card. I have called XXXX several times to get them to correct the error on their end and remove the late payment becasue it has dropped my score XXXX points. The late payment occurred in XXXX of XXXX  despite the fact I paid the Credit Card with XXXX XXXX before it was transferred over to XXXX. 

I have disputed the account with the credit bureaus 2 times on XX/XX/XXXX and XX/XX/XXXX stating this : " Please remove the 1 late payment from my report. The error was on the end the XXXX. It was when they bought out XXXX Credit Cards ; I paid XXXX and the payment processing did not transfer and XXXX told me to dispute the inaccurate late payment with the bureaus so you will remove it since the error was on their end. '' The Credit Bureaus stated that XXXX validated the late payment is accurate which is false.

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 2022-11-10
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company has repeatedly had to remove and keeps re adding debt someone uses my social security number at hospital and defrauded me. This is not my debt and they are harassing everyone In my family daily, sometimes a foreign guy is threatening to come kick my XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: SYNCHRONY FINANCIAL
State: MD
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:
Informed SYNCB/PPC that I did not request any credit, or credit card, from them. Wrote the letter and attached documents showing I was a victim of credit card fraud. Then, I faxed too. Mailed : XX/XX/2020 ( after receiving notification from XXXX XXXX ) and faxed as well : XX/XX/2020. Nothing from them and their HQs shows XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT, XXXX. I want the card removed and the debt canceled. I did not submit anything to SYNCP/PPC. Obviously, they have the wrong address too. Nothing ever received from them. By the way, card was " approved '' XX/XX/2020 and the thieves ran the card up the same day ; less {$8.00}. Sent them my FTC Identity Theft Report and Driver 's License ( less full # on it XXXX showing my proper identification. Did everything to comply with section 612 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. para 1681s02 ( a ) ( 1 ) ( B ).

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.XXXXXXXX XXXX {$1000.00} has violated my rights. 5 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 1681c. ( a ) ( 5 ) Section 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. your company has been reporting this account inaccuratly has failed to remove it from my report

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-11-10
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
About 18 months ago I was using my debit card at XXXX and Citi blocked my card and online banking. I have been calling for months getting transferred around department to department they told me my account would be getting closed and a check with my funds would be mailed out in XXXX days. It has been over an entire year and i still do not have access to my funds which was around {$5000.00} 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 2023-08-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2023 To whom it may concern I am not satisfied with the company response for the following reasons I had addressed this issue in the past with XXXX XXXX XXXX I have sent notice this certified mailed to the company the company refused by sending letters by denying my negotiable instrument my intention was always to stay in honor when I am aware of this fraud the company still dissatisfied and decided to put the consumer in a stressful position by selling the information to resurgent capital this is a violation my understanding to this violation that there are rules and regulations they need to follow 15 U.S. Code 1666 - Correction of billing errors to my understanding XXXX XXXX XXXX never conducted an investigation neither provided documentations on how they conducted this investigation and instead it proceeded to sell my information to resurgent capital which now is sending threatening letters to the consumer which this is another violation15 U.S. Code 1692d - Harassment or abuse. Resurgent capital is posting negative remarks. on my consumer credit report in a very high balance which I believe is false I am holding accountable XXXX XXXX XXXX XXXX XXXX  for damages and for selling my information to research and capital 15 U.S. Code 1692k - Civil liability which XXXX XXXX XXXX never provided the wet signature contract information and the permissible purpose at the time I asked for verification XXXX XXXX XXXX did not have any recent to sell my information neither to collect any money when I was always stay in honor. as a consumer I consider this 18 U.S. Code 894 - Collection of extensions of credit by extortionate means and since resurgent capital does not understand to cease and desist when asked by certified mail this law applies 18 U.S. Code 1341 - Frauds and swindles I was always trying to stay in honor I never deny paying.

Company response to consumer: Closed with explanation