BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: BB&T CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Friday XX/XX/2018, I made contact with XXXX trying to find out why an old account with XXXX XXXX has not been deleted from my credit as of yet. My argument with XXXX was throughout the past year, I've sent advanced dispute, debt validation request to XXXX XXXX XXXX to validate a repo debt that was being reported incorrectly showing the wrong amount. The representative stated we will reopen investigation, but could not state what the company was reporting back to them. I contacted XXXX XXXX   myself by phone since they never responded back to my Debt validation letter and the representative I spoke with stated that my account was turned over to a in party 3rd collection group called XXXX XXXX XXXX and they don't have my account in their files which mean they was unable to validate the debt. I never received a call from XXXX XXXX nor or they reporting to my credit. The representative their couldn't locate my account but ask me to pay XXXX when it's reported to XXXX as XXXX. I XXXX the company information online and it's listed as a scam. I'm asking that XXXX XXXX is remove from my XXXX   credit report. And I also request hat XXXX XXXX do not contact me. The statue of limitation to collect a collection debt in the state of SC is listed as three years and it's been almost 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying for 5 months to make my mortgage payment. When I call they add on additional fees that was not reflected in the statement they mail me. So I then work to get the money call back and they have added more fees. I am now in foreclosure. I called on a Thursday to make a payment in full of around {$5000.00}. They said they could n't tell me exactly how much I owe and I would have to call back on Tuesday. I called back and they had added over {$2000.00} fees in foreclosure fees. They said they had to request those fees from a third party that 's why they could n't tell me how much I owed on the Thursday before when I called. My monthly statement did not reflect these fees either. They stated they do n't have to reflect the fees. So now I owe over {$7000.00}. They will not accept a partial payment. It has been a circle of issues with the payment for around 5 months. I call in to make a payment and they tell me I owe {$1000.00} more due to fees than what is reflected on my statement. Basically, I get my statement in the mail, called the day after I received it and they told me I owed {$810.00} more that what my statement showed. I asked them why was it not reflected on my statement and they say they do n't have to. Every time I call now they will not work with me to collect my payment. They say to call back in a few days. I want to keep my house but they are not allowing me to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX we applied for the Keep Your Home California ( KYHC ) Principal Reduction Program ( PRP ) and in XX/XX/XXXX we received {$89000.00} in PRP funds. As part of receiving the funds we signed a note and deed of trust that was recorded in the county records. On XX/XX/XXXX Nationstar Mortgage applied the funds to our account. Shortly thereafter, Nationstar sent us a proposed recast agreement with several errors. We replied with a letter detailing the errors in the proposed recast agreement. Nationstar sent us the identical recast agreement and we again sent a letter detailing the errors in the document. Nationstar then sent us the third copy of the proposed recast that had minor changes to the amount we would owe, but still had the errors detailed in our two previous letters. On XX/XX/XXXX we sent a third letter to Nationstar again laying out the problems with the proposed recast agreement. On XX/XX/XXXX, Nationstar Vice President of Corporate Social Responsibility XXXX called me to discuss the recast agreement. XXXX stated that a signature for a recast agreement was no longer required ; that signing a recast agreement was not a requirement of KYHC and that Nationstar was adhering to the guidance provided by KYHC and the U.S. Department of the Treasury. She promised to email a document with the information. We never received the promised email and information XXXX XXXX promised to send. Our mortgage statements showed the application of the {$89000.00} to our account. 
In XX/XX/XXXX we applied to Nationstar for a Home Affordable Modification Program ( HAMP ) modification to our mortgage loan. On XX/XX/XXXX Nationstar approved the HAMP modification. On XX/XX/XXXX Nationstar returned the {$89000.00} in KYHC funds, removing them from our account. We never received any notice of any kind from Nationstar or anyone else suggesting that there was any problem with the KYHC PRP funds. 
I contacted KYHC and learned that KYHC and the Treasury require that a recast agreement be signed in order to receive funds from the program. Additionally, a borrower can not apply for both KYHC and HAMP simultaneously. Because we had not signed the recast agreement we effectively had XXXX open applications for federal programs and that mandated the return of the KYHC monies.In XX/XX/XXXX KYHC reconveyed the Deed of Trust we signed for the KYHC PRP funds. 
KYHC staff informed us that we could reapply for the KYHC program. By the time we had learned all the details of what had occurred, while we could reapply for KYHC and likely receive PRP funds again, we would not have been able to obtain a HAMP modification due to the termination of the program on XX/XX/XXXX. 
Nationstar and XXXX appear intent on forcing us into foreclosure. Nationstar has refused to work with us to resolve this, even though we have commenced litigation over their mortgage servicing violations and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2018 Several Tire Orders were Cancelled. But, I was charged 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 explanation
Consumer complaint received 2017-02-13
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX, previously XXXX XXXX XXXX XXXX owned our mortgage loan. In XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to Nationstar Mortgage LLC on XXXX/XXXX/XXXX. Nationstar mortgage foreclosed on our house in XXXX of XXXX. Our bankruptcy was discharged in XXXX XXXX, XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and Nationstar Mortgage is reporting it as a foreclosure in XXXX XXXX. Our credit score has dropped XXXX points since Nationstar Mortgage started reporting the foreclosure in XXXX XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and Nationstar Mortgage are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # *********** XXXX XXXX SSN # *********** XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX Nationstar Mortgage loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: IA
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX reporting the account type as Open, while Experian and XXXX is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX and XXXX are reporting the date last active as XX/XX/XXXX and Experian is reporting it as XX/XX/XXXX. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

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 2021-09-24
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company was XXXX and I was approved for a trial modification in XXXX XXXX. According to the letter and coupons received, I made my payments of {$310.00} to them for the months of XXXX and XXXX XXXX to XXXX. I called into the company, gave them the information and permission to draft my bank account for the amount indicated. In late XXXX XXXX I was notified by NationStar Mortgage that as of XXXX XXXX, XXXX NationStar Mortgage would be my new servicer and collect my mortgage payments. I then made payments to NationStar Mortgage in the following manner ; XXXX XXXX payment was made by phone ; XXXX and XXXX XXXX was made by check which was mailed in. I sent XXXX XXXX payment but it was returned and I also received a letter notifying me of being behind in my payments. I do n't understand if I was in a trial modification how this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have entered into a debt settlement program through a third party that is working with XXXX XXXX/Synchrony Bank yet they repeatedly call me multiple times per day at various hours throughout the day and night and even on weekends.

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 2017-12-10
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency - XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) falsely and repeatedly submit collection record to the credit reporting agency which has severely damaged my credit score - score dropped by XXXX in XXXX day. The dispute is regarding a medical bill with original amount of {$260.00} occurred in XXXX. According to the insurance company I had in XXXX, the amount of {$260.00} is covered by the insurance and I 'm not responsible for this amount. 

I had previously opened dispute cases with all 3 credit reporting agencies and the cases have closed and the collection records were removed. However, XXXX XXXX XXXX repeatedly report new collection record regarding this amount to agencies on almost monthly basis and has greatly damaging my XXXXredit score. 

Therefore, I 'm filing this complaint with CFPB and hoping to resolve this false negative record against me once for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am in active XXXX bankruptcy. My plan included payment of mortgage arrears to Nationstar mortgage. Nationstar modified my loan in XX/XX/2016 and rolled all of the arrears ( about {$14000.00} ) into the modified loan. They never filed an amended proof of claim with the trustee, so the trustee continued to send them funds to pay the arrears. I called Nationstar asking where that money was going, they had no idea. I called the trustee and they said they were still paying Nationstar for the arrears, which no longer exist. So Nationstar has been pocketing all of the money sent by the trustee on my behalf since XX/XX/2016, a total of {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Approximately 4-6 months my wife and I applied for a credit loan and was turned down because of 2 late payments to Nationstar reflected XX/XX/2016. We were not aware of this and wrote both the credit bureau and Nationstar Mortgage and received a reply from Nationstar dated XXXX stating that after review they would not change the credit reporting and it was my fault. They said because they sent us a letter stating a rate increase back XX/XX/2016. I do not remember seeing it. We average getting 3-5 pieces of mail from weekly along with numerous calls asking us to refi our loan. The customer service rep that was not their problem. 
My feeling is this " bunk ''. If you look at our history of paying this loan you will see payments being made on time and had made numerous payments in amounts greater than the normal payment. When I call Nationstar to speak with a customer service rep, 99.9 % of the time I get an " non-English speaking '' person of which is very hard to understand. 
I am hearing impaired and have asked to speak to an " English '' first speaking person and have n't had much luck. We have had numerous mortgages over the last 20 years and hands down Nationstar is the most difficult to work with. The loan we had applied for was with XXXX XXXX XXXX XXXX for the purpose of purchasing and RV.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Early Warning Services, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i have recently applied to open a bank account especially with ( XXXX XXXX  ) and XXXX XXXX  stated I'm being reported to early warning services & XXXX XXXX. 

which is inaccurately and honestly hurting me to open a checking account. 


whatever innsttuitionn is stating I owe any debt has been paid and need to clear my file for EWS & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter from Hunter warfield was sent to me and my daughter on XX/XX/XXXX stated that we owed {$6000.00} for rent on an apartment that I co signed for my daughter. On XX/XX/XXXX my daughter was told that the townhouse that she was renting at the time was being sold to another company and she had until the end of her lease to move. My daughter moved forward and found another place to move immediately then in XXXX the leasing company told her that the new company said she could stay after she found a place and put a deposit on it. My daughter respectfully declined told them that she didnt want to stay that she sound a place and put deposit. In XXXX of XXXX we staring receiving letters stating we owe the amount stated above. We refused to pay them because they said she had to move and she had less then 2 months to do so. They sold this debt to another company who has been harassing us since XXXX of XXXX maybe before then. Ive disputed multiple times asking this new company to send is proof we owe this debt and nothing or this day. Hunter wardield has never sent my daughter her deposit and I dont expect they will. I have uploaded document I have sent to Hunter warfield and collection agency with no proof I owe amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
Bank of America. 
I closed my checking and savings account I had with the Bank in person at a bank branch. I was told the ONLY way to cancel the credit card account was online or on the phone. They have no online method to cancel the card, so I have attempted to call them. They do not answer the phone for over half an hour. 

I later decided to keep the credit card for a little longer. The system they use to pay the credit card off is 'bill pay. ' I have tried to set up an external account to via this bill pay system. However, it will not allow me to individually set up an external account, and states I am ineligible for bill pay. 

I was told then I need to contact another account to set up explusively to make payments from an external account. So I did this. 

In my opinion, this is an egregious use of delay tactics and substantially burdens the consumer. The entire 'bill pay ' fiasco very clearly shows that the Bank wants you to set up a checking account to make it easier for the consumer to pay their credit card bills -- obviously beneficial for the Bank to have a checking account to force unfair fees upon the consumer. Not to mention, the only way to achieve my method of paying a credit card bill is through their slow and inefficient phone service ; my calls in total took over 2 hours to solve the propblem.

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 2019-03-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/19 I sent {$250.00} via XXXX through wellsfargo and within 5 mins I realized it was a scam and called Wells Fargo to stop the transaction. They opened a case and told me they would investigate and sent me a letter that theres nothing they could do.

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 2023-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Checked my credit report and I have two collections accts that have driven my credit score down dramatically after I have worked hard to pay off old accts. I have a common name and this problem has happened before but these two creditors aren't willing to help rectify the situation. 

I am a XXXX who XXXX XXXX XXXX XXXX and I know I hadn't opened or defaulted on any accts so I hadn't checked my credit score in a few month but low and be hold when I did I had a pleasant surprise. Two of someone else 's delinquent accts.

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