BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-02
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX my wife and I did a mortgage modification with XXXX the payment of XXXX included principal, intreste, and the repayment of back taxes for 55 months. The loan was transferred to Nationstar mortgage who has now done an escrow reevaluation and are demanding I pay them XXXX starting XXXX. Our taxes and insurance will stay the same. I called Nationstar mortgage and asked to speak to a supervisior they kept me on hold 30 min then hung up on me. They are in violation of our modification with XXXX. My wife and I were in forclosure and had to file a bankruptcy this company Nationstar is being very unfair and illegal. This is causing my family much distress. By the way XXXX goes toward escrow each month x XXXX XXXX my taxes are only XXXX my homeowners insurance is XXXX per year the total for taxes and insurance are XXXX as you can see I have a positive amount of XXXX I hope someone at the CFPB is able to help our family in this stressful time thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Central Portfolio Control Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a company calling themselves " Central Portfolio '' began reporting an account for XXXX XXXX apparently originating with a XXXX XXXX XXXX in the amount of {$1400.00}. They list an address of this person in Virginia ( XXXX XXXX XXXX XXXX, XXXX, Virginia ).

The problem is, my name is XXXX XXXX. A completely different name, a completely different spelling, in a completely different state of residence, and I would wager a completely different social security number.

I attempted to contact this company at their address of XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, and their telephone of ( XXXX  ) XXXX. I was informed by their phone representative that they have no XXXX XXXX in their system, nor do they have my address. They have repteadly hung up on me, or not returned my voicemails.

As a victim of identity theft, it appears this company did no dude diligence to confirm ownership of this account and instead did a blind addition to the three credit reporting agencies for MY report.

They must immediately take action to remove me from any association with this account, and also immediately file deletions with all three consumer reporting agencies and provide me with proof that they have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: WELLS FARGO & COMPANY
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:
I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that XXXX and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. 

ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX USA XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : WELLS FARGO BANK XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA 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
Consumer complaint received 2023-10-02
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My husband and I have 2 mortgages with Freedom Mortgage on the following properties below. My husband XXXX XXXX called to ensure the XXXX XXXX XXXX  Policy for XXXX XXXX would be paid and somehow spent an hour of his life with incompetent people in the servicing department. We have had issues with Freedom Mortgage since the inception of this loan and have sent various letters concerning both insurances, escrows and refunds. I received the attached letter on changes made to XXXX policy. My husband never called to make changes to the XXXX property. I want to make sure that there are XXXX policies on XXXX XXXX XXXX XXXX NC XXXX for ( XXXX XXXX XXXX XXXX XXXX and ( XXXX ) Homeowners Insurance and that they are both paid with the escrows as required. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has XXXX XXXX and there were no changes requested for this property XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has XXXX Policies ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX  XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX  several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have submitted a dispute for XXXX XXXX XXXX which is reporting the debt for a higher amount than is reported on their payment website. On XX/XX/XXXX, I called TransUnion and was first told by the agent that my credit report was not showing this debt. After many attempts to try and retrieve my credit report through AnnualcreditReport.com, I was unable to pull my report so I called their customer service line to verify the debt. I called back at XXXXXXXX XXXX and spoke with an agent and she did confirm that my this account is being reported for the amt of {$1200.00} which I will include with this complaint showing on my Transunion report. I then call the debtor that is handling the account and was told that I owe this amt. I tried to negotiate a smaller price for which they offered to settle the debt for {$1100.00} dollars. I finally was able to gather some money to pay something or to make the payment arrangments so I log on to their payment site and see that the debt amt is {$260.00} dollars cheaper than what's being reported to TransUnion and what the representative quoted me as the original debt amt and settlement amounts! I want this item removed from my report. The hospital failed to bill my XXXX XXXX and XXXX insurance at the time of service and so it was their billing error as to why this bill was not paid. Also if TransUnion completed the full investigation whys is it that this company was able to report to them an incorrect amount? Also, why is this company allowed to quote me that incorrect amount and then offer only 10 % off of the debt that was originally a smaller amount? I am tired of disputing this charge and TransUnion is not completing a full investigation and allowing this debt collection company to report inaccuracies and also the XXXX XXXX XXXX is also trying to get more money than this debt is worth by again misquoting me the original amt and then trying to collect more that what their own payment site is offering. According to the Fair Credit Reporting Act, the credit bureaus are supposed to conduct full and thorough investigations and the debtor is supposed supply accurate information and verification of the debt which was not done here and again I want this debt removed from my report, as I have been disputing this debt for over years,

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 2020-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that Experian and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. 

ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX {$3400.00} XX/XX/XXXX Account Name : CAPITAL ONE BANK USA N XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote and mailed a dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX, pertaining to a collection account that had been placed on my credit report from the collection company XXXX XXXX XXXX. XXXX and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor but XXXX never responded. XXXX XXXX XXXX did not provide any documents or evidence to verify the account, but instead stated I owe XXXX. I sent another dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX XXXX XXXX reported the debt again for the previous amount of {$820.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: MD
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:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name :, XXXX XXXX XXXX {$340.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$2800.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$4200.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data US XXXX XXXX XXXX XXXX {$5000.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$1500.00} - XXXX -No Data XXXX XXXX XXXX XXXX  XXXX {$2000.00} - - -No XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} - - XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX {$0.00} - - -No Data XXXX & XXXX XXXX {$260.00} - - -No Data XXXX XXXX XXXX XXXX {$68.00} - - -No Data XXXX XXXX XXXX XXXX {$460.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data XXXX XXXX XXXX {$210.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: OH
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:
Disputed accounts on credit file That are not mine. Proof of ownership has not been verified. These accounts listed on file do not belong to me. I havent been given any proof of ownership

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 2023-08-21
Company: EdFinancial Services
State: VA
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:
My loans had been paid off since XXXX and when student loan refund talks began I requested my refund from my provider totaling {$9900.00} which is what my account should now reflect as what I owe. The balance they have reflecting is incorrect, the attached documents I sent them on XX/XX/XXXX show the checks and proof of what was sent to me as a refund and what was cashed on my behalf that totaled {$9900.00}. 

When I try to look at my balance history it no longer exists and XXXX XXXX as a loan provider deleted and got rid of all previous payment history and prior balances on the account for me to view. I am aware that requesting a refund readjusts my total debt on my account but being that I had paid off all loans, meaning my account was at {$0.00} and my total refunds were for {$9900.00}, my account should be reflecting as such. In other words, my account should reflect a balance of {$9900.00} and not $ XXXX that it currently reflects. 

I keep getting told it won't be fixed until the transfer is complete but it has been more than 6 months in the state of " transferring ''. At one point my account showed the correct balance of {$9900.00} but that is no longer the case as it shows a balance of $ XXXX. I am also unable to create a new account as mentioned in the email and website and when I finally did it over the phone it only worked once and now gives me an error page every time I try to log in. Repayment will initiate soon and it seems like this wont be done until after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Square Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am writing to file a complaint on Square Inc which is a credit/debit card processor. Their business headquarters is located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. 

My name is XXXX XXXX and my husband and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We offer brand new brand named furniture. We have been open since XXXX and have used square card processing since opening. We have not experienced any problems with them until now. 

On XX/XX/XXXX and XX/XX/XXXX we processed payments as normal as we always do. At the end of business Saturday XX/XX/XXXX we realized our deposits has not been made into our account at the end of business. After inquiring through a phone call to square they advised me without warning that our account was deactivated and all of our funds from XX/XX/XXXX and XX/XX/XXXX and would be holding {$10000.00} for 90 to 120 days. They could not explain to me why this happened and just said the system at random reviews accounts. These transactions were not out of the ordinary nor should have flagged a review. Also the merchandise valued at the same cost has left my store and the bill is due to the vendor for such items. I called and emailed Square several times in which they provided no details of why they were holding my funds. I asked to be transferred to a supervisor and the legal department and was told in this situation it was not allowed. That I would need to email but probably would not receive a response. That I am forced to wait 120 days. I would gladly send any information to confirm these transactions but they refuse to clear it up. Now that I have called they have deactivated a way to speak to anyone in customer service leaving my only option to email which allows them not to respond. 

I am asking for my {$10000.00} to be released to me immediately. Also have conducting research online I have found thousands of customers that have been scammed by Square, held funds, and not even released past the 120 days! 

This is how small businesses survive!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work out a payment solution with Nationstar mortgage for years after my loan was transferred from XXXX XXXX XXXX and I suffered huge financial losses. The amount of time I spent submitting and resubmitting paperwork to their various loan specialists was like a part-time job. They would not let me send money to them to try to get back on track and seemed to stall until posting a sale date on my home. They also would n't submit all the information about my loan that I requested. I have been working with financial counselors and doing everything I can think of to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various XXXX loans it shows as if I have various late payments its not accurate or fair that this is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681, section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation