BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During a property claim due to a hail storm Citizen Home Mortgage held onto funds paid by the insurance company for a very long time. I needed that money to pay contractors to make fixes that were approved by the insurance company. Citizen One Home Loans kept funds in an escrow account and delayed paying the insurance money. Due to this I had to float some of the reconstruction cost out of my own pocket. I believe the Mortgage Company does this to increase their float at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: BTH Management
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been receiving calls from a company called XXXX   XXXX then yesterday XX/XX/2010 I received a call from a company Plaza Services yesterday and they all say they represent this loan I have from XXXX XXXX XXXX. They all threaten to sue and put a legal issue on my house and job. I asked Plaza to verify the debt similar to asking XXXX XXXX   and Plaza threaten to sue me by Friday if I didn't pay on the debt. I told the guy XXXX I had a right to receive validation of the loan and he advised that if I don't make an arrangement today that he is sending the debt out to be sued. I told XXXX that I thought XXXX XXXX have and he said that Plaza XXXX have. Under threat I set up an arrangement for a {$170.00} for 18 months. I want this debt validated under FDCPA. I think the practice this company Plaza and XXXX   XXXX practice is unlawful. I should not be forced to pay a debt that I have never seen before nor have the option to validate it.

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 2022-08-06
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently noticed that there is a big drop on my credit score, I find there is a debt collection under my name, the collector is called SOUTHWEST CREDIT SYSTEM, but I never received any letter or information about this debt, I dont know where is from and how to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Tried to call Nationstar Mortgage customer service number at XXXX. With all the advertisements, there is no way to talk to a customer service representative. I sent XXXX payments in to satisfy my XXXX XXXX, 2015 payment and they applied both to principal so I still owe the XXXX XXXX payment. This servicer is incompetent and should be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
the chase bank took out a foreclosure and never told me or their attorney until i called, the amount to reinstate is XXXX by the XX/XX/XXXX and i can not get a loan, i want to keep my home and get the loan redone, also the loan of XXXX is the loan and the value of the house is XXXX and this is illegal, plus they gave bad info to someone who had no permission, i want this foreclosure stoped

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
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:
Last XX/XX/XXXX, checking my credit report, I noticed that an account is incorrectly reported with Select porfolio # XXXX balance of {$140.00} open which does not belong to me and / or I have any obligation, as a result of the first investigation submitted to the bureaus of credit the result was satisfactory obtaining an increase in my score of +70 points, extremely satisfied with the results and procedures of FCRA law. It is not when I received a notification on XXXX-2017 that my score fell due to the fact that said account that was removed from my credit report was reported with a new balance amount of {$140000.00}, however I proceed to send a new one. investigation sending to XXXX evidence of the results of the reports and the corrections made but to date they have not corrected this error that makes a future purchase impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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: Was not notified of investigation status or results

Complaint:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: NJ
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 attempted to remove the following inquires on several occasions with no success. 
XX/XX/XXXX XXXXXXXX XXXXXXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2015-03-24
Company: NATIONSTAR MORTGAGE LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is the second complaint, after the 1st complaint to cfpb CASE # XXXX, My mortgage company Nationstar, lost XX/XX/2015 payment that I sent. So being 2 months behind I tried to make a payment, they rejected saying that I was 4 months late. Yeah, I was 4 months late because they lost XX/XX/2015 's payment. Of course they put the burden on me to find out where it went, they gave me a " fax '' line to a " research department '' to send proof. I sent them a XX/XX/XXXX statement on the XX/XX/2015,. I learned on XX/XX/XXXX they sent out a letter stating that to of no fault of there 's they could n't find anything & closed the case. The letter sent stated that if I had any added proof to send it. I then drove to the bank had them send over a statement and the electronic copy of a check on XX/XX/XXXX. I called on XX/XX/XXXX and they told me they ca n't tell if the research dep. received it or not because they ca n't talk to them, no one can talk to that department I was told. Today is XX/XX/XXXX, & I sent all the info again via fax,, its funny how they want me to send it to a fax #,, I 'm so tired of being helpless,,, I 'm mean really, There trying to force me into foreclosure because of the modification & the complaint to cfpb, when I called to ask why wo n't they accept a payment, they said I have to make a payment resolution or nothing at all,,, meaning I have to pay all 4 payments or they put me into foreclosure. 
How is this fear? I ca n't come up with four payments,, this is totally not fear, and people are losing their homes when they can afford them. I 'm losing my house because they wo n't let me pay them,,, and why is this modification taking so long? These people are making up rules & breaking the law in many cases and no one is looking into this stuff,,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: Carvana Group, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have spoken with Carvana about several inquiries that have shown up on my credit report and they have failed to contact me back with this issue. Its been an ongoing issue for about several months. I had one manager tell me the inquiries will be deleted but still nothing. 

Inquiry - XX/XX/2018 - Carvana Inquiry - XX/XX/18 - Carvana Carvana has never been given permission to run my credit. I purchased a vehicle from them but not during these dates. Vehicle purchase was the beginning of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from Diversified Consultants.Inc .. Stating they trying to collect a debt for XXXX. I ask them to send over proof that this was my Debt in writing and i never got any thing. So i wrote them on XX/XX/2019 a letter to Validate debt.Asking them for copies of a sign contract from stating the i agree to pay this debt from XXXX, They response on XX/XX/2019 that they received verification from creditor All they sent over is a bill statement .Nothing with my signutare on it, Nothing stating they own the debt from XXXX . 

Then on XX/XX/2019 the stated they place my account in validation .Which then they still never sent over anything with my signed name on it.THEN ON XX/XX/2019 they sent me a fraud affidavit form from XXXX .So then i sent a letter on XX/XX/2019 them that is is not a valildate debt to them under fair credit reporting act, I have not heard back from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage will not contact me to discuss my escrow account, nor can I reach the escrow division when calling via the main number. I wait to hear each prompt, press buttons, and still get a basic customer service representative that can not help me. I spent three hours on hold last week. This week, I tried again with no success and started emailing for help. On XXXX, a customer service representative said that he could give me a number that would connect to escrow, but it was the main Nationstar number, not the mortgage number I have. It took me longer to get through the prompts without any help. Nationstar emailed me back today and said they could not help me with the information I gave them ( basically my account number and information plus complaint was not enough to have someone finally call me from the escrow department ). They also said that their records indicated that on XXXX a representative already address my concerns, but that was the gentleman that gave me a different phone number because he could n't help me. Nationstar 's escrow analyses tend to hit very high, and I want to discuss the findings of the last analysis from XXXX XXXX. I also have concerns over their request for a XXXX form. At first, I thought the document was a scam. After many phone calls, I was told to send in the form. The letter connected to the XXXX request ( which asked for my full social security number ) threatened monetary punishment if not mailed back to them. I believe they were going to garnish my tax return. The SS # was in bold letters, and could be seen through the return envelope. I truly thought it was an attempt to steal ID. After many phone calls, and an email from Nationstar claiming the validity of the document, I wrapped the completed form in paper, and returned in my own envelope which was not transparent. If Nationstar had my full SS # on file, why would they have me sign a new XXXX Form?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX AUTO LOAN: ACCT XXXX LOAN XXXX: THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. XXXX XXXX: XXXX DOB XX/XX/XXXX XXXX XXXX XXXX" XXXX DOBXX/XX/XXXX (SHE HAS BEEN REMOVE)

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 2019-10-28
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered your company, FNB OMAHA continues to report the collection account referenced herein. Prior disputes have not resulted in validation of the debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. 
Statements showing itemization of monies owed. 
Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. 
Proof that you are licensed to collect in my state of residence I am also requesting that FNB OMAHA cease and desist from all collection activity pertaining to this account. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the XXXX XXXX XXXX, and the Attorney Generals Office.

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 2019-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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 did not see a option for my complaint. There should be one for re aging old depts. Thats what portfolio recovery is illegally doing to me. My original dept with XXXX XXXX is well over 7 years but portfolio illegally re aged it to the year XXXX. They sent me a letter XXXX and i looked on my credit report and seen they illegally re aged the dept to XXXX. This is a clear violation of the ftc. I reported this to them but they dont care it seems I am just a XXXX citizen they feel they can prey on. Also my last 4 digits of my social security are XXXX. I could not enter it in the next step for some reason. Thank you for everything. God bless America

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a refund on payments made to my student loan servicer EdFinancial during the COVID pandemic. My loan balance has since went up by XXXX. I have reached out several times requesting a timeframe for refund and everyone is telling me XXXX to a year. They wont even provide me with proof I requested refunds despite the balance going up. If the balance of the loan has gone up then I should have received my money. I am worried about interest accruing for money I don't even have on hand. 
I would like to receive the refund the way the payments were made ie into the checking account linked to my EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My payment is due on XX/XX/2019 and I called to make a payment. The customer service rep was not able to process my payment because their systems have been down all day. Because of their system error I am going to be charged a late fee and it will show that my account was past due. This is not fair to me because I make sure that all my bills are always paid on time and now my account is going to report that I was late. This is going to affect my account to ever get a credit line increase in the future. I have been working hard to keep my account in perfect standings and it just not fair that its not going to be perfect anymore because their system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered your company, Jefferson Capital Systems continues to report the collection account referenced herein. Prior disputes have not produced, validation of the debt nor a resolution. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Jefferson Capital Systems, cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The spending and budgeting tool with Bank of American Itemized the deposits and withdrawal that come into my account for a year period. The cashflow for the time period can either be a surplus or shortfall. My 12 month period say I should be {$12000.00}. But I do not have that in my account. Please help me. I have been going over this with the Bank for 3 years now. Also when you click on the transaction and the merchant name you can change the name of the merchant so you do not know who the money is going to. Also you can change the category.

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 2023-06-13
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:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2019-01-26
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knolage of this debt therefor I'm requesting original proof of debt, due to your erroneous reporting to the Credit Bureau { s },  the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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