BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-22
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX : I mailed my car note at the XXXX XXXX XXXX XXXX and found out a month later that my check never arrived. 
XXXX : I called the bank 's automated number and found out that check number XXXX had cleared for {$1500.00}. After talking to a customer service rep who transferred me to a fraud unit and being put on hold so long that my phone battery died, I drove to my branch office along with my dad. We met with a Personal Banker, who gave me a copy of my check which showed that the check had been changed to someone else 's name and for XXXX. We were all very surprised to see that the check did not show my signature and was not dated and the Personal Banker said that the check should never have been cashed. He called the fraud unit and they assigned it to case number : XXXX and said I should hear something within 15 days. 
XXXX : I had not heard anything so we went back to the bank and the same Personal Banker again called the fraud unit who said that were now in day 16 and they would escalate the service for 72 hours. 
XXXX : Still had not heard anything and we went back to the bank and the same Personal Banker was very frustrated that the money still had not been put back on my account. He once again called the fraud unit who agreed to what the Personal Banker had said was obvious that the check had been washed and should have never been cashed since it was not signed and dated. We were again told that they would escalate the investigation to 72 hours. The Personal Banker said that since he was already vested in this, he would call the fraud unit back in 72 hours on Monday XXXX, and keep me updated. 
XXXX : I went to the XXXX XXXX XXXX XXXX and told them what had happened and they said that during the first week of XXXX some mail had been fished from the outside box and they have had several complaints. I gave them a copy of my check which they had requested so they could pass it on to the postal inspector. 
XXXX : I still had not heard anything from the bank, including the Personal Banker who promised to keep me updated, and my {$1500.00} still had not been put on my account so I submitted a complaint to the Federal Reserve. 
XXXX : I received an email from the Federal Reserve explaining that they had forwarded my complaint to the CFPB for appropriate attention. 
XXXX : A month has now gone by and since I still have not heard anything from the bank or from CFPB, I called the CFPB to check on the status of my complaint but was told that there was no record of my complaint and no indication that it had been forwarded to them by the Federal Reserve. The CFPB rep was very nice helpful and suggested that I send a fresh complaint to CFPB.

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 2015-10-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage has not correctly credited the payments that I have made. Now they are charging me late charges due to an error that they made on XXXX XXXX, 2015. I need to get this taken care of now before I lose my home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: CITIBANK, N.A.
State: NV
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:
Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add citicards@info.citibank.com to your address book to ensure delivery. 

Your Citi Credit Card Application Status Your Citi Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a Citi credit card. Your application for the Citi Card was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
https : //www.accountonline.com/cards/acq/CardApplicationStatus.do? screenID=XXXX & applicationID=XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... Citi We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER 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 2017-12-18
Company: Experian Information Solutions Inc.
State: WI
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 are many mistakes appear in my report without my understanding.

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 2017-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 recently went to purchase a new car. When the process was over I found out that I had up to 10 hard inquires in to my credit. I am a young man trying to make it on my own and build my credit. However, when I go to buy a car and allow them to run my credit I am aware that it will affect my credit so negatively. What bothers me is the fact that they ran my credit so many times that it has major effects on my credit report. What I am not understanding is, why do they have to pull so many hard inquires? Why do they not just pull my credit report ONE time and then share that report with possible financial institutions? At what point does it become cruel, unusual, and excessive? Not to mention I would like to know why there are not limits placed on how many times a car dealership can run my credit. When I go to buy a car and they tell me, " We are going to pull you credit report to get you financing ", I figure they would pull it once or twice max! At no point does the dealership tell me that they are going to let as many people as possible pull my report.The fact that so many different companies are pulling my credit report obviously hurts my score. Not to mention, I know that those inquiries stay on my report for years. I know that many Americans do not like credit. It is reasons like this that credit is so hard to keep good and maintain.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2015-10-22
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage account was forcibly placed under " lender placed insurance '' for insurance laps. I was only aware of it when in XX/XX/XXXX, I called to pay for my monthly mortgage at {$280.00}. I was then told that the new amount I need to pay was {$600.00}. I was shocked and in disbelief on how a mortgage company can increase one 's monthly payment ( threefold ) without any notice. I disputed the new amount which is almost the triple amount of the initial monthly payment. In addition, I contacted my insurance company and provided a policy on the property, yet Nationstar would not consider making the necessary adjustments for a lower payments. I believe this practice is predatory and Natrionstar has not been transparent, communicative willing to work with me.

Company response to consumer: Closed
Consumer complaint received 2015-10-22
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have enclosed documentation but briefly Nationstar Mortgage was servicing a non secured loan that was discharged in Bankruptcy Court in 2013. Approximately a year and a half later I began receiving " Informational '' statements from them that look exactly like invoices. I have attempted to have them stopped being sent and have been assured by their staff it would but they continue to send these. I would appreciate any assistance on your part to review and assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is making it very difficult to place a FREE freeze on your credit as mandated by the FTC in XX/XX/XXXX. When you go onto the Experian website they make it seem like you can place the freeze online like XXXX and XXXX but when you hit " submit '' it states that you must request the freeze in writing my mail. Experian then gives instructions to mail personal documents with identifying information that if compromised, may further put myself at risk of Identity Theft. Experian also recommends that you send the documents via certified mail which cost me {$4.00} to mail to them. A credit freeze is supposed to be free so Experian either needs to reimburse the mailing cost or be like the other credit companies and let consumers freeze their credit on-line. It is my belief that Experian is making it more difficult for consumers to freeze their credit so that they can sell their monthly credit protection that cost {$20.00} a month and allows you to lock your credit similar to a freeze. I mailed the documents to Experian on XX/XX/XXXX and when I checked my USPS tracking number it showed that the paperwork was delivered certified mail to Experian on XX/XX/XXXX at XXXX. Experian was supposed to send me a PIN number to unfreeze my credit but as so XXXX I have not received confirmation from them that they have freeze my credit and my PIN number that will allow them to unfreeze my credit. A total of 10 business days have gone by ( not including today ).

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 2015-10-27
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had missed one ( 1 ) payment in 35 years of home ownership- that being one payment XX/XX/XXXX- NONE XX/XX/XXXX during application.. in XX/XX/XXXX I missed another as a result of their foot dragging. 
XX/XX/XXXX- begin HAMP application/s with XXXX XXXX, while applying, loan sold to Nation Star, now XX/XX/XXXX- had to start over. 
continued application process for nearly two ( 2 ) years- docs after docs after docs. HUD rep involvement/class XX/XX/XXXX, by XX/XX/XXXX- informed I was denied HAMP- apparently they sold the note in XX/XX/XXXX to XXXX prior to disclosure/ HAMP denial. I never received denial of all programs then available- never provided opportunity to appeal nor was a 'Tier 2 ' visited by said servicer- they simply sold the note in the middle of my application. In addition, I was informed in writing at least once of ineligibility as the loan was not XXXX- when in fact it was along with countless other tactics to stall. 
Also-the denial I DID receive said simply- " Borrower does not occupy residence '' ( never lived ANYWHERE else in 20+ years. 
Promptly informed XXXX was not 'obligated nor willing to offer a reduced mortgage or HAMP ''. 
XX/XX/XXXX- HomeSettlement sells loan to XXXX XXXX ( representing XXXX XXXX ) now having missed two payments XX/XX/XXXX XX/XX/XXXX and XXXX accepted {$1500.00} each month in XX/XX/XXXX & XX/XX/XXXX-I was informed XX/XX/XXXX that XXXX had become the servicer- purchasing with knowledge of the two short payments. 
Received notice of denial on XXXX/XXXX/XXXX, four ( 4 ) days after the date of the letter of denial via XXXX. 
So now here we are with an explanation of denial as except denial for ALL programs except 'Short Sale'This will not happen and I apprised them as outlined on their denial form, by telephone XXXX XXXX XXXX/XXXX/XXXX. 

One of the programs denied- requires unemployment.. now that I have returned to work- albeit sporadically this program is not applicable- though when I was unemployed and applying to Nation Star- I was never told this was a requisite- but now, as my life is improving a bit, this IS a requisite! 
I have been able to demonstrate XXXX/month religiously for several years and they describe the income as " not acceptable/ insufficient '' for most, if not all available programs. 
The documented behavior of Nation Star is an egregious/blatant misrepresentation of a Loan Servicer. 
not only did the OSHI ( an Oregon program ) fail me- providing ALL necessary documentation, they too misrepresented the program as ... " I own other residential real estate '' this is a blatant lie. 
The egregious misrepresentation of these programs is an obomination of power- contributing to the American Economy for forty ( 40 ) years- banks bailed out, monies provided to help- THESE PROGRAMS ARE A RUSE. 
OAR 137-020-0805 ( Oregon Servicing Rules ) Secretary of StateUnfair and Deceptive Acts in Mortgage/Loan Servicing has been perpetrated upon me at the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
citizen bank branch address XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ny XXXX # XXXX branch manager XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX The above is the account information I opened for my company at Citizen Bank, if you need to add! Please feel free to email me what I need to add! 

I have a total of one personal account and two corporate accounts under my name On XXXX day, I received a call to learn that there was something wrong with the check that the customer paid us. The next day I immediately went to find out the situation, I thought that after communicating with XXXX, I would find out the cause of the problem and then cooperate with him to solve the problem. 
Unfortunately, after communicating with the cheque payer, the other party has been using the reason that it is still processing, resulting in the problem being delayed. 
I'm sorry for this not very good problem during my time with them! 
mostaq froze all my accounts during this period, which indirectly led to the economic loss of my two companies and the loss of customers, which I can not pursue! 
What I can't tolerate are the checks ( ~ {$400000.00} ) and those " problem checks '' that arrive in my account. 
, including our online banking was frozen together, First of all, when I opened an account, the bank staff told me that the private account and the business account were two separate accounts. BUT WHEN THE PROBLEMS THAT THE BRANCH MANAGER CHOICE TO NO TRUSTING ME AND MY BUSINESS, I CALLED SERVRAL TIMES LOOKING FOR XXXX BUT I HAVENT RECIEVE ANY REPOND YET. 
SO I NEVER GET ACHANES TO SOLVE THE ISSUES UNTIL TODY ALL MY ACCOUTS HAS BEEN FROZES. 
I REALY SORRY ABOUT WHAT HAPPENED, AND I M VERY UPSET THE BRANCHH. AS A CONSUMER I PUT MY MONEY IN THE CITIZEN ALSO THE BRANCH STAFFS INCLUDES THE BRANCH MANAGER COMMUNITATE WITH ME WITH A BAD ATTITUDE. 
I FELT UNCOMFORTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I found out that the home 's insurance premium had not been paid at the end of XXXX 2015 and it was coming due XXXX XXXX. My homeowners insurance agent called me and told me that the premium had NOT been paid and they were going to have to cancel coverage on the home. I IMMEDIATELY called Nationstar and they confirmed that there are escrow payments set aside to pay the homeowners insurance Nationstar promised to send payment right away and assured me that it was an oversight. I assumed that this was taken care of as Nationstar had assured me of. 
My agent called me in XXXX, 2015 and said I was NOT going to have any coverage on my home if it is n't paid soon. What to do? I again called Nationstar who promised that payment was on the way. What kind of lender let 's an insurance premium lapse on a home they 're holding a mortgage on? I called Nationstar again. In fact my agent and I had called a dozen over several weeks. They always assured me payment was coming, like they are playing a game or something. So, XXXX XXXX came and went and my insurance company, XXXX, had dropped my homeowners policy. XXXX had never received the insurance premium payment. So, I am currently without homeowners insurance on a loan that Nationstar is holding the loan for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt in question was paid in full. On XXXX a payment of {$100.00} was paid to the balance of the original debt that was {$270.00}. Order # XXXX, XXXX # XXXX, XXXX. XXXX XXXX. On XXXX a payment of {$100.00} was paid to the balance of {$170.00}. Order # XXXX, Ref # XXXX, Auth. Code XXXX. The remaining balance of {$74.00} was paid on XXXX. Order # XXXX, Ref #  XXXX, Auth. Code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, I used Cash App to pay a down payment for a puppy in the amount of {$150.00}. I have the text log communication of the whole conversation with the " owner ''. As soon as I paid the deposit, they did not respond again. I sent follow ups and a deadline to respond by before I attempted to reach out to the CASH app support to inform them someone is using their product to scam/defraud its customer base. 

After no response from the " owner '' once the deadline was past, I contacted CASH app support. They then told me there was nothing they " could do '' even though I have such a clear cut case of their product being used for illegal purposes. 

I have had to open a dispute with my card company as well as work on filing a police report in order to actually make a move to stop this type of work. It's awful to see a company allow someone to use their product in such a way and respond to someone with a variation of, " Oh well ''. 

It's awful to think the honest people are the ones that get hurt with an app like this, while criminals are allowed to roam free without a second glance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
again, after trying to resolve the issue with my money the bank keeps saying that they will not give me money. Basically, they are not taking responsibility of my funds. I just want to stablish the fact that Wells Fargo bank will not help me. They called me XXXX days ago and said my money was coming back to me and they lied. They person that called me XXXX XXXX XXXX. He told me my money was released to me but he lied.

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 2015-12-02
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on my home in XXXX 2015. When looking for my home we made it very clear to the real estate agent and the mortgage broker what our monthly payments can not exceed. Yesterday I saw a letter from the mortgage company that my escrow account is short {$3100.00}. This would increase my monthly payment to {$2200.00} from {$2000.00}. I can not afford the lump sum payment not the additional money on the mortgage payment. How can the mortgage broker grossly underestimate the escrow amounts? The mortgage broker was recommend to us from the real estate agent. We talked at length and after some research he had the best mortgage rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Nationstar Mortgage Servicing and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX conducted fraudulent transfer ( substitution ) of unsecured debt. Illegal transfer of a deed of trust from an unsecured party. Setting a trustee sale date in an effort to force dispossession of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
son has same name never lived at XXXX XXXX or worked at XXXX also have medcail coverage throuh the state of ct

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