BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I wish to avoid foreclosure. I was not given proper notice so I could have opted for State of Nevada Mediation. My notice of default was recorded on XX/XX/XXXX. A foreclosure certificate was requested in XX/XX/XXXX and issued/recorded on XX/XX/XXXX over 23 months later. Several RESPA laws have changed since my Notice of Default was recorded on XX/XX/XXXX. I do not feel their XX/XX/XXXX ( 23 month old ) Notice of Default is still valid. I also do not think I was properly issued my required mediation paperwork before simply recording a Notice of Sale 24 months after the Notice of Default. I believe Nationstar should have to record a new Notice of Default and then have offered me again mediation before it expired or waited another 90 days before recording a notice of sale. I want to avoid foreclosure. Nationstar is now evading that request. I am in the process of trying to avoid foreclosure and do a short sale. My attorney submitted an offer last week and Nationstar could postpone my sale date and allow me to short sale my home and avoid foreclosure. However, they refuse and say they can not accept my request. I do not understand why they can not postpone my sale date and allow me to sell the home. It cost them more to foreclose and takes longer. I have a market value offer on the table now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez/Shellpoint is taking 3 weeks to verify my request to follow up on why they have not paid our XX/XX/XXXX property taxes. The payment for this is in an escrow account, and we pay our mortgage payment automatically and have NOT missed any payments. According to our County Assessor 's office, the tax payment is still pending. I have reached out to NewRez on XX/XX/XXXX, andXX/XX/XXXX and a resolution has been promised each time with no results or records of my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: LA
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2022-10-15
Company: SANTANDER HOLDINGS USA, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill in the mail from : XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXXXXXX XXXX Phone : # XXXX Fax # XXXX Account # XXXX Current creditor : XXXX XXXX XXXX XXXXXXXX Client Account # XXXX Original Creditor : Santander Consumer USA Inc . 
The Debt collector is stating they are collecting a {$7200.00} debt for original creditor in that amount. I have no idea who any of these companies are nor did I do any business with any of them. I have never obtained any services and/ or products nor did i ever request any loan or credit with any of them ever. They do not give any information of what the balance is for and when the date this account was originally opened or where. It just demands that I pay {$7200.00}. They have been threatening calling my phone and wont tell me who they are or anything. They have lied to me telling me that they are XXXX XXXX XXXX and have started filing criminal charges against me but wont tell me for what without me verifying my identity over the phone, which Im not going to give out any of my personal information to someone calling me and threatening me but wont even tell who they are or what its about. They have recently found and got in contact with my brother at XXXX in the morning telling him that Im in serious trouble and he needs to have me contact them immediately at a completely different number then the number used to text him. They have since then also text message me in the middle of the night harassing me stating I need to contact them immediately but still have not ever said who they are or what this is about. They continue to call my cell phone daily and tell me that they are a law firm and Im in serious trouble and demand i verify my identity without telling me what its about and I refuse to give them any information and disconnect the call everytime. I have blocked there number but they are now calling from another number which is also now blocked but still shows up on my caller id as a blocked missed call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX of XXXX I initiated a stop payment request with Wells Fargo Bank on a check that had been lost. The check was for {$150.00}. The stop payment charge was {$30.00}. In XXXX of XXXX, the check had been found, cashed and was pending processing by the bank when discovered the transaction while checking my account on-line. 

When I contacted the bank to ask why the check was accepted, I was informed that the stop payment was valid for only 6 months. Any subsequent stop payment would be subject to an additional charge. 

I have since resolved the issue with the cashing party nor do I request any re-imbursement from Wells Fargo. My concern is that if that check was for a much greater sum I would have been forced into a choice if renewing the stop payment every 6 months or hoping the check would never be found and cashed. 

I contacted the XXXX XXXX XXXX XXXX  with a consumer complaint that stop payment of a check be honored by Wells Fargo in perpetuity. 

Below is the text of the reply from Wells Fargo that the XXXX XXXX XXXXXXXX forwarded to me : We have enclosed page 24 of the Wells Fargo Deposit Account Agreement. Per page 24 of the Wells Fargo Deposit Account Agreement ; a stop payment on a check is valid for six months. We may pay a check once the stop payment order expires. You must request a new stop payment order if you dont wasnt it to expire and we treat each renewal as a new order, and a new fee will apply. Your responsibility after we receive a stop payment on a check. Even if we return a check unpaid due to a stop payment order, you still may be liable to the holder of the check. 

XXXX XXXX XXXXXXXX office informed me that they have no influence with Wells Fargo other than register a complaint on my behalf, but recommended that I forward my concerns to you.

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 2017-06-06
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
NationStar as a mortgage servicing company for XXXX is not customer focused and are not being transparent about their processes for making decisions that affect American Consumers. <P/>On XX/XX/XXXX, I inquired with XXXX/NationStar about the criteria to eliminate my escrow account. On XX/XX/XXXX, they shared with me that my loan to value ratio was 92 % and did not meet the 80 % criteria for elimination. That same day, XX/XX/XXXX, I sent a follow-up question about how they calculated my loan to value ratio. <P/>On XX/XX/XXXX, XXXX/NationStar shared with me that using my original loan appraisal amount of {$220000.00}, I did not meet the 80 % required loan to value ratio to eliminate the escrow and they referenced my mortgage agreement. Again, the same day, XX/XX/XXXX,  I, in turn inquired about sending a new updated loan appraisal -- at my expense -- since my home value had changed significantly since the original purchase in 2012. Since their original responses were so quick, I was confused when I did not receive a response within a week to my second follow-up question. After no response, I inquired again on XX/XX/XXXX <P/>On XX/XX/XXXX, without explanation or any information grounded in published for the customer policy or without reference to my mortgage contract, they simply stated that this would not be possible. <P/>I found this response to be inadequate, not grounded in documented policy and intentionally flippant to a very serious question posed by a paying customer. I shared with them as much and let them know that I would be sending a formal complaint about their response. XXXX/NationStar 's practice of not being completely transparent with customers about what is driving such a critical decision is unacceptable for the American consumer. <P/>I have never been behind on my mortgage payment, and have opted to pay my property taxes and property insurance myself rather than out of my escrow account to show that I am more than capable of managing these expenses myself. Again, although I am aware of the requirement and the fact that I am voluntarily doing paying these expenses outside of my escrow account this alone does not exempt me from the escrow requirement. I will say that the process for determining my loan to value ratio must be transparent and fair and this is where XXXX and NationStar is failing. <P/>Please, any assistance you can provide would be most helpful. I just want a fair assessment of my homes current value as a basis for the decision concerning my escrow requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$27000.00}, {$0.00}, {$4300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reporting information as delinquent and negative. Reporting XXXX accounts as open and potentially negative when they have been discharged through bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: TN
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 am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. XXXX XXXX XXXX has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt.

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.

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 2023-09-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: SYNCHRONY FINANCIAL
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
I made a payment in full on my account on XX/XX/XXXX for {$1600.00}. the amount was deducted from my bank account XX/XX/XXXX. The amount appeared again on the next months statement and has continued to do so since. I've tried many times to resolve this with Synchrony and keep getting told to wait 1-3 billing cycles to see if it resolves. It is now affecting my credit. This needs to be resolved immediately as I've been trying to allow Synchrony to do so for several months. We filed one complaint with CFPB earlier this year. Shortly thereafter, a corporate agent reached out to us, unaware of the CFPB filing and had been working on this issue. In the meantime, another Synchrony employee worked on the CFPB filing and responded as that there was nothing more they could do. The other corporate agent I had been working with disagreed with that assessment and was trying to resolve it. As she was working on it, I did not reply to the CFPB complaint within the allotted time because I was under the belief that it was being resolved by the agent and a response was unnecessary.

Synchrony is incredibly hard to reach, most of their agents have never returned a phone call other than the one I was working with. I have not heard back from her for a few weeks, and have now gotten new statements totaling {$1900.00}, attempting to collect the debt that was already paid in full by myself in XXXX of XXXX. At this point, it's been nearly a year and it's completely unfair of Synchrony to do this to a customer. In their initial CFPB response, I never did hear from the agent working on the complaint and have not ever gotten confirmation from Synchrony that the charge I've been disputing was refunded. There has never been statement provided to me showing credit for the duplicate charge from Synchrony. As such, this still, a year later, has not been resolved.

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 monetary relief
Consumer complaint received 2021-05-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I need assistance from your agency. 



Macys/DSNB has for years continued to destroy my credit rating with a debt for {$610.00} that I did not owe. 

This has been going on since around XXXX, and I have disputed the debt many times over the years. 

I have gotten the debt removed from my credit files, and Macys/DSNB continues to re-age the information as they have done on the copy of my credit report that I have attached with this complaint, and they have added it back to my credit files. 

In XXXX I had gotten an attorney to write to Macys/DSNB because they were also requesting copies of my credit files from the credit bureaus constantly. 

They would request copies of my credit files in one week, several times consecutively for a week. 

At times they were having my credit files run daily, or they would request my credit files several times in a month. 

And they would continue to request my credit files consecutively month, after month, after month. 

I want Macys/DSNB to stop requesting my credit files, I have no business with them, and they have no reason as to why they need to have my credit information, other than for the malicious activity that they have been conducting. 

I have questioned the credit bureaus as to why this information has been continually been placed back onto my credit files once it had already been deleted more than once, and I was told, that Macy/DSNB is the one that is intentionally reporting this information. 

Just prior to XXXX, there was a period of time that Macys/DSNB was reporting two false accounts onto my credit files so as to intentionally ruin my credit rating. 

I want all of my credit files corrected, and I want this credit account removed from all of my credit files, and I would like hard copy proof that the information has been removed. 

I want Macy/DSNB to provide you the Consumer Financial Protection Bureau with the written proof that I have requested, that they have permanently removed all of this account information from all of my credit files, and you the Consumer Financial Protection Bureau can provide me with the written document. 

I dont want Macys/DSNB to bypass your agency. I want all communication to come from Macys/DSNB, to you, and your agency can contact me.

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
random inquires popping up from 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 2021-12-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello I am writing this because I have been having an issue with this creditor, I have been disputing this account since XX/XX/2021. The agency has yet to respond. This account is reporting inaccurately across all 3 credit bureuas and that is a violation of the FCRA. There is a list of errors from this account including, high balance, date of last activity, last payment date, and a few other errors. According to the FCRA everything reporting on my credit report must be identical and this is not. Please assist me with the removal of this erroneous information on my credit report.

Company response to consumer: Closed with explanation