BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/23, someone was able to open a Capital One Performance 360 Savings account in my name. I have already frozen my credit with XXXX, XXXX, and XXXX. I had also placed a freeze with XXXX XXXX ( initiated XX/XX/23 ). 

Please stop allowing anyone to an open account in my name. This is the fourth time this has happened in the past year or two ( x3 with XXXX XXXX XXXXXXXX ). This is ridiculous. Is there nothing I can do to protect myself? Every time this happens it costs me hours of time on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my husband XXXX yrs ago and qualified for a loan mod XXXX program my payments were more affordable and I was able to stay in my home In my loan balance at that time was XXXX when the loan mod was finalized my principal went to XXXX. They placed XXXX on the end of the loan as a balloon payment. I ran into some health issues starting about a year ago and became behind I tried talking to them but the cash demand was more than I could afford. I have tried XXXX modifications and denied each time because with the new modification they are only allowed XXXX on the end of the loan making to XXXX. They have denied my payments since XXXX and now want XXXX to bring current and an additional XXXX for late fees and charges for an appraisal and someone taking pictures of my house and car in driveway. Making sure I have n't abandoned the home. I do not even want a payment decrease just help getting caught up. Not sure where to turn Even if I pay interest only for the behind amount but they say no theres nothing they can This has been a nitemare. Everytime I talk to them there a different amount usually higher

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
NationStart Mortgage is a fraudulent and incompetent mortgage company that failed to properly posting and applying my mortgage payment for XX/XX/2016. I demand a criminal and civil investigation into its unlawful practices and a full restoration of my credit history and a civil compensation to me for the damage it caused. 

My mortgage was transferred from XXXX to NationStar without my prior knowledge XX/XX/2016, while I continued my monthly mortgage payment of US {$1400.00} to XXXX. I later saw my USD XXXX was transferred to NationStar on XX/XX/2016. However, NationStar did not apply this payment to my account and falsely reported a 30 day late payment to the credit bureau, and hence, destroyed my credit score. 

I made subsequent payment of US {$1600.00} ( a higher amount demanded by NationStar for no apparent reason to my later knowledge ) subsequently on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I absolutely do not owe NationStart any late payment. In fact, I over paid due to the transition phase. 

I demand a Department of Justice investigation of this matter, and I will report this criminal practice of NationStar to my state senator, XXXX XXXX of Massachusetts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: PA
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:
My social security number is XXXX. This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX/XXXX/XXXX  XXXX, snd XXXX XXXX XXXX,. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EQUIFAX, INC.
State: FL
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 SENT THE CREDIT REPORTING AGENCIES A SUPPORTTING DOCUMENT THAT WAS VERY RELIVANT TO MY DISPUTE WITH THE CREDITOR XXXX XXXX XXXX REPORTING INCORRECT INFORMATION. THE CREDIT AGENCIES HAS NOT AKNOWLEDGE MY DOCUMENT AND CHOOSE TO OVER LOOK IT FOR THE DOCUMENT SHOWS I HAVE NEVER BEEN LATE. I ALSO SENT THEM MULTIPLE DISPUTES BUT ONLY TO BE MIS LEAD STATING IT WAS CORRECT. WHICH I HAVE SUPPLIED THEM A LETTER DIRECTLY FROM THE CREDITOR DISPLAYING ON TIME CORRECT PAYMENT HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had signed up for a new account bonus with Citi. Here are the terms : Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : - Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
- Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days - Bonus will post within 90 days from the date you complete all of the requirements I have completed all requirements and the 90 day window is now almost two weeks past. I opened the account on XX/XX/2018 and completed the requirements on XX/XX/2018. 90 days after that is XX/XX/2018.

I have contacted Citi multiple times about this, but have received no firm date when the bonus will post.

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 2017-09-17
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Monday, XXXX XXXX XXXX, I tried to get a passcode from M & T Bank, to access information about my bank accounts, instead of having to provide the first 5 digits of my Social Security number. I did this on the advice of the local police department, which advised citizens to take this action in light of the XXXX hack. I spent hours on the phone and even visited a local branch of my bank. I was given wrong or contradictory information on the phone and in the bank and was kept waiting on the phone and in the bank for inordinate amounts of time. I never was able to register my concerns about bank security or get a passcode. 
On Wednesday, XXXX XXXX, I phoned my Congress member 's local office to ask for their help. They tried to contact the appropriate department of M & T Bank but were also given a run-around. I 'm very concerned that an identity thief could easily gain access to my account information via the bank 's automated customer service on the phone, and the bank appears to be completely unconcerned about this big hole in its security system. M & T Bank should stop using social security numbers as identifiers and provide any customer that asks for one with a passcode. It 's also frustrating that the bank systematically conceals contact information from its customers, making itself inaccessible and unaccountable. It 's impossible to find relevant phone numbers for its security office on its website or from phone customer-service personnel. Because of the XXXX hack, the bank should take action to correct these problems as soon as possible.

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 2023-06-26
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX ( XXXX ) gave false information about the federal bankruptcy court in their response to a previous complaint. In their response they state, that the federal bankruptcy court is the " furnisher '' of the bankruptcy information. The federal bankruptcy website, the court states that " The US Bankruptcy court does not report to, nor verify information reported to, any credit reporting agency. Therefore, the court is not a " furnisher '', or provider '' of information as defined by the fair credit reporting act. As such, the court plays no role in the correction of inaccurate information contained in credit reports. On the consumer financial protection bureau website, it states in 'furnishers obligations for consumer credit information under the CARES act, FCRA , and ECOA ', that regulation V defines a furnisher as " an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. Due to the fact that the courts do not furnish information, the information XXXX has obtained does NOT meet the FCRA requirements. Transunion states that XXXX is the " 3rd party '' company that verifies the bankruptcy.

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 2021-10-05
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: MI
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:
Child support removal I have check my credit report and seen the 3 credit bureaus EQUIFAX, XXXX, XXXX have reported child support on my credit profile without my authorization & I will like this deleted & will sue {$1000.00} for every error on my report if not fixed within 30 days this has stopped me from getting a house and is hindering my life Accounts XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence PLEASE REMOVE ASAP Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Nationstar mortgage about refinancing my home. After they gather all information from. Right the appraisal they ask me for large sum of amount of money. when i did my research from legit site which my local assessor, XXXX, property shark. I 'm seeing that they are not treating me fairly based on the comparable of the home which I 'm going to send you information. as well I email the loan specialist many time for the appraisal to re look at the value. every time he comes back tell me a different story so i would like to get to the bottom of the real truth which I already know. it is about money not fairness of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am on the phone with a representative and he issued a new card and reported a fraudulent charge. As I'm attempting to make the payment which is due on XX/XX/2018 so today I noticed a {$39.00} late fee charge. I asked the representative why is there a late fee when today is the due date. Even if they are going by eastern standard time since it is XXXX XXXX. my time it isn't even the next day eastern standard time. Therefore how am I being charged a late fee on the same day the payment is due. He said that is a good question and wasn't able to explain. I believe the reason for the charge is harassment from the bank. I would like Capital One investigated for such.

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: BBVA FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have took the time to find a ATM that was not on the Simple Fee Free Map due to get charged repeatedly at a atm that wasn't within there network. I contacted the bank to dispute they dispute it back in XX/XX/2020 and left out details of the ATM being missing. So they come back and say claim is denied and I knew it was because the dispute was never filed properly with the ATM that should of been on the Fee Free Map. So I have to reopen my claim with the real details provided thru Support Message. So they reopened it and still deny the claim after the fact they stated they would dispute due to it being a mistake on there part with the Fee-Free ATM. I been having to use a Fee Related ATM due to this mistake done on there part. Instead they closed my account so they could steal my funds out and lock me out of my card and account. Good thing I had my direct deposits transferred or they would of stole that as well after they did me scandalous regarding my dispute that was a valid dispute. They sent me this " Hello XXXX, This account is pending closure in accordance with Closing Your Account provisions outlined in section 17 of Simples Deposit Account Agreement. https : //www.simple.com/policies/deposit-account-agreement The card and account have been blocked so no further deposits, transactions or transfers can be made. 

Once your account closure is finalized, if the account balance is {$1.00} or greater, the balance will be remitted by check to the address we have on file. If the address needs to be updated, please let us know as soon as possible. Any balance lower than {$1.00} will be forfeited. You will receive a follow up support message once the account closure is completed. '' Which clearly shows that they use a fraud scheme while deciding on my claim!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i am really trying to save my home i have called and asked for a loan modification and a loan modification package ... ... .. this company has given me the run around and i am afraid they are trying to take my home by pretending to provide me with help that they do not intend on giving me ... ... ... this company has been hard to work with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: JP RECOVERY SERVICES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I filed a complaint against JP Recovery Services with the CFPB ( Complaint # XXXX ). JP Recovery Services quickly responded claiming they verified the accounts with XXXX and that XXXX processed claims with XXXX and that XXXX paid the claims and the balance due is what is owed. XXXX is my primary and I also have a secondary insurance ; my health insurance covers 100 % of all medical expenses. I have had no medical bill not paid 100 % since becoming eligible for XXXX in XXXX. As outlined in the complaint ( XXXX ), I spoke to XXXX Billing on XX/XX/XXXX and XXXX made it clear that I do not have any balance with them. I DISPUTE THE VALIDITY OF THIS DEBT. JP Recovery Services response is in violation of the FDCPA as they clearly failed, by their immediate response, to verify with XXXX that the accounts are valid having been informed that I spoke to XXXX  on XX/XX/XXXX and XXXX, again, was clear, I do not have owe any balance to them. In light of JP Recovery Services response violating my rights under the FDCPA, I am submitting this second complaint against them and I am also filing a complaint against JP Recovery Services with the Maryland Attorney General 's Office of Consumer Protection Office - Health Education and Advocacy Unit. 

JP Recovery Services is in violation of the FDCPA. Their claims that I owe XXXX XXXX XXXX a balance is factually incorrect as verified by XXXX. 

cc : Maryland Attorney General Office of Consumer Protection , Health Education and Advocacy Unit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. 
Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name SYNCB/GAP Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$480.00} written off. 
Status Updated 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 non-monetary relief