BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-02
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been told that I can not make an online payment. I called to make a phone payment and was told that they would not accept XXXX. I was instructed to wire a payment through XXXX XXXX to immediately catch my account up. I did, through the XXXX XXXX website. The next month I received notice that my house had a foreclosure date set due to lack of payment. I called and offered to make the current payments but was told I had to pay the total ( including what I had wired ). I then faxed all of my receipts but the payment was not found. When I called XXXX XXXX to track the payment, I was told that they still had my money. Refunding the wire was the only option I was given. I have offered to pay all of the payments due, but now have {$4500.00} in fees added to the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today, XX/XX/19, I received a hang up phone call from American Adjustment Bureau. I have notified them twice that 1 ) there was no date on there attempt to collect a date and 2 ) this is not my debt, please stop contacting me. I have numerous letter and have had numerous phone calls since my notifying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
On XX/XX/2018 I order siding from XXXX. About 5 days later I received my receipts in the mail and noticed it was not what I ordered. I called XXXX  and told them of the wrong items and was told they would cancel the order. Over the next several months I kept getting emails saying more of the wrong ordered arrived at XXXX. I immediately would call XXXX  letting them know that that order was canceled but still the emails kept coming. So, I disputed the transaction but still the emails kept coming. After about 2 months, and while it was being disputed for over month, XXXX shipped the wrong items anyway. Now they are saying I owe them {$3000.00} in restocking fees and delivery fees. Just for the record, the person at XXXX admitted they made a mistake by sending the order and apologized and said they would pick it back up which they did. 

Now I'm asking CFPB to get involved because the credit card company that I disputed this transacting with, I don't believe, is even reviewing this case. I was initially told by the credit card company It normally takes 30 to 45 days to hear back from them, no problem. I sent them my statement and about 30 to 45 later they denied my claim. They wanted me to send them more info so I did, still denied. They asked again for more info so I faxed them more info on XX/XX/XXXX and by XX/XX/XXXX they denied my dispute again. Personal I think this is fraud on their part. Please look in to this for me. If you need anything please let me know. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-29
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
his company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$2100.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.

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 2023-09-10
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When the agent called me on XXXX XXXXXXXX XXXX the agent did not tell me that the call was being recorded until over halfway through. I tried to explain to her that we were going to small claims court and she was telling me that the other side had lawyers and that I would not win because of things that I did not do. She was telling me that I had not read my lease and that I had done things that I had done and not done. The phone call was at XXXX XXXX and lasted XXXX mins and XXXX seconds. I took the time and the length of time off of my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ] XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account - Violation of FCRA Laws in South Carolina Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my credit profile that your agency has reported. I believe that these accounts are in violation of the Fair Credit Reporting Act ( FCRA ) laws in the state of South Carolina. I request that you investigate the matter and take appropriate actions to correct these inaccuracies and violations. 
Repossession Dispute : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

According to the FCRA, all information reported to credit bureaus must be fair, accurate, and substantiated. I request that you provide me with detailed documentation regarding the repossession, including : Documentation showing the repossession process adhered to all legal requirements and notice provisions as mandated by South Carolina law. 
15USC6802a 15USC6802b 15USC6802c 15USC6092c ( c ) I would also like to bring your attention to the fact that the FCRA requires collection agencies to inform consumers about their rights to dispute inaccurate information. I request that you provide me with the following : Written confirmation that you have initiated an investigation into the accuracy of the repossession account. 
A copy of the results of your investigation once it is complete. 
If the repossession is found to be inaccurate or unverifiable, please provide written confirmation that the account will be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander Consumer USA receives my auto loan payment each month as agreed but has been reporting to the three credit bureaus since approximately XX/XX/2017 that the account was charged off. I've contacted them by phone and mail but they refuse to help resolve this issue. It has caused negative credit consequences for both myself and the co-borrower on the same account. The three most current statements are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Grain Technology, Inc.
State: OR
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 changed bank accounts after experiencing a fraudulent charge that my bank wasn't willing to fix. Shortly after I opened and funded my new account, I contacted Grain and asked them to please send me a way to pay my account. They sent me a link that wasn't working to make a one-time payment. I then tried to log in today and update my bank account ( this is the 4th time since XX/XX/2022 ) and again it does not allow this. I then emailed yet again to ask for a way to fix my account. I was able to click the link and make a payment today, but the company has added late fees to my account and reported my account as 90+ days past due. My account is past due and over the limit only because they will not allow me to make a payment or update my information. Included is proof of my initial email and my payment confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BMW FINANCIAL SERVIC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Here we go AGAIN with Sunchroncy, XXXX, and XXXX XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.

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 2019-01-19
Company: Total Card, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have received a letter from the company Total Visa. I do not have money to have the letter notorized. The reason for the letter is that I have disputed the XXXX XXXX XXXX. I did agree to a trial from XXXX XXXX. but the service was not great and I did not agree to continue services. The sent me a email saying my account was suspended. The company has refused to accept recognition of that email and does not want to refund my account The company is XXXX. The company that needs the notorized letter is total visa. Please let me know if you need additional information to proceed with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Amazon use my card without my authorization it used a credit balance to may payment s resorting up my credit balance and causing m the card to go over the and I goy charged for and that was reported the credit reporting company 's when I didn't use the card for that purpose resorting in the card being cancered for the store unauthorized conduct which I just learned what took place made monthly payment per my state and emailed amount bills they got to payment plus one from my credit balance which again was not authorized by.

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 2019-01-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage and paid it off in full on XX/XX/2018. Rushmore Loan Management is the servicer, and did not apply the payoff until XX/XX/2018, which is also the day they collected an additional biweekly payment on my loan of {$1500.00} Post final payoff value in XX/XX/XXXX, Rushmore collected another biweekly payment in XX/XX/XXXX for {$1500.00}. That makes two {$1500.00} payments + the extra amount they quoted to the Title company to " ensure the amount is fully paid '' which together all three of these is now {$4900.00}. 

I called them on XX/XX/XXXX or so to find out when I can expect to receive my {$4900.00} refund and was told that their company " policy '' is to wait a full 20 business days, or rather ONE FULL MONTH to begin processing my refund. I can not believe that is legal to just sit on my {$5000.00} for a month before doing anything after they already acknowledge that the mortgage is fully paid and they have my money sitting in a suspense account and they placed the overpayment into an Escrow account. The sum of the two is the {$4900.00}. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: JPMORGAN CHASE & CO.
State: TX
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/XXXX I tried sending money to my friend XXXX XXXX through Chase Quick Pay with XXXX as he was travelling abroad and urgently needed money to cover some bills. 
On XX/XX/XXXX I sent {$2000.00} to his registered XXXX mobile number ending XXXX, XXXX transaction # XXXX from my Chase checking account # ending in XXXX. Since he did not recieve the money into his XXXX XXXX XXXX Account, I tried sending {$2.00} on XX/XX/XXXX to the same number, XXXX transaction XXXX but he did not receive that as well. He checked his online banking account at XXXX  XXXX XXXX, but he did not see the deposits. He was unable to verify with XXXX  XXXX XXXX until XX/XX/XXXX as he was travelling. On his return on XX/XX/XXXX he called XXXX XXXX XXXX and they indicated that they did not receive the money. Also we realized his XXXX XXXX XXXX XXXX account was registered with his email address and not his phone number. He immediately registered his mobile phone number ending XXXX to his XXXX  XXXX XXXX XXXX profile. He was successfully able to register the number and I also sent him {$1.00} through Chase Quick pay on XXXX which he successfully received. But there was no trace of {$2000.00} and {$2.00} transfers that were made to him. Per Chase Quick Pay XXXX guidance, if money is sent to an unregistered mobile number and is not claimed in 14 days it should be credited back to the sender ( my ) account, but that never happened. I called XXXX as well to help me with this issue and they directed me to Chase Bank, indicating that since the transfer was done through Chase mobile app, they have no responsibility. I filed a claim with Chase on XXXX ( Claim # XXXX ) to investigate and they responded back to say that the transaction was authorized and processed correctly and that no adjustment would be made to my account. There is no explanation as to where the money went. I am out {$2000.00} with neither Chase Bank nor XXXX being able to explain what happened to that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Opened a MMA Savings account with BBVA based on a promotion advertised on XXXX XXXX in XX/XX/2019. The account was supposed to carry a 2.5 % APY and a {$100.00} bonus if I funded it with $ XXXX within a specified timeframe. After opening the account, I noted the rate was only 2.0 %. I called and questioned why I didn't get the 2.5 % APY promised and was told that I opened the account through the BBVA web site rather than through a link on the XXXX XXXX site, so the promotional offer would not be honored. I asked that the account be closed and my funding balance of $ XXXX be returned. I was told that new accounts don't allow for that size of a transfer out, so I'd have to initiate the transfer from another bank to pull the funds from BBVA. I did so and drew the account balance down to XXXX with the expectation that the account would then be closed. After having withdrawn all the funds from the account, I received an interest credit of {$7.00} for the few weeks my funds had been on deposit, and figured it would just be easier to let them keep the {$7.00} than to try and get it back. Shortly thereafter they charged me with a $ 15 monthly account fee because my balance was below the minimum balance to avoid the fee, and they wouldn't close the account until I paid the {$8.00} overdraft balance on the account ( {$7.00} interest earned less {$15.00} account fee put the account into an {$8.00} overdrawn balance ). I refused to pay the {$8.00} overdraft because I had instructed them to close the account before the fee was assessed, and they failed to do so. They have assessed another {$15.00} fee this month, so the account is now overdrawn by {$23.00}. I called again, same answer, they won't close the account unless I pay the {$23.00} overdraft. I believe they violated UDAPP when they didn't give me the rate advertised on XXXX XXXX, and further have been refusing to close my account so they can continue to assess a {$15.00} fee indefinitely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-10
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Previous Complaint # XXXX ag. XXXX/Nationstar never resolved in that no dox ever provided as to loan ownership, assignments, or transfer of servicing rights. Additional complaint now set forth in attached dox as to NS accounting errors. Have demanded an independent audit of NS accounting practices and an audit of their errors in my particular case. Thx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2020-11-11
Company: Experian Information Solutions 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:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

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 2016-02-12
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I mailed my mortgage payment due on XXXX/XXXX/2016 on XXXX XXXX, 2016 to Nationstar Mortgage in XXXX XXXX XXXX XXXX California just as I have for the last 2 years. They are claiming they have not yet received it - when I called to discuss this matter I was placed on hold for over 10 minutes and then was disconnected. I can not get them to help me as I am convinced they have simply lost my payment.

Company response to consumer: Closed with explanation