BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-27
Company: Uplift, Inc
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I work 10 to 12 hour days. Today XXXX XX/XX/2019. I received 7 calls from phone number XXXX and XXXX between XXXX XXXX and XXXX pm and each time it was a robot call asking me to hold. When I did not answer it, no voicemail was left for me. When I try and call the number back it asks me to hold for an operator and then hangs up after a minute or two or puts me on hold and after 7 mins I hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage is currently servicing the note for my Pay Option ARM loan. It was originated by XXXX in XXXX, sold to XXXX XXXX XXXX, then sold to Nationstar. My complaint is this company is knowlegable that they are sending inaccurate loan statements for this loan and is doing nothing to resolve the problem. 
Last year I began receiving inaccurate loan statements beginning with the XXXX XXXX, XXXX statement which coincides with an annual loan interest rate review and loan amount recalculation. Specifically, the printed loan payment amounts of Options XXXX,XXXX,XXXX were the same amount with different consequences. I initiated a payment amount correction inquiry with the Research Reference number XXXX which resolved the XXXX loan statement error within 30 days. 
A few weeks ago I received an inaccurate loan statement for the XXXX XXXX, XXXX statement with the same issue. After spending several hours on the phone with customer service reps who were not able to provide accurate information or were unknowledgeable about the existence of a special loan services department within Nationstar mortgage, and asking them to correct the loan statement problem in their computer system and not having a remedy, I feel the need to file a complaint to the federal government regarding this company 's unwillingness to correct the problem of sending out inaccurate loan statements for this pay option ARM loan. 
After several hours of inquiry, I was informed that XXXX in Special Loans, extension XXXX was the key person that handles these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Good evening Sir or Ma'am, please reference previous complaint number : XXXX. 
OCWEN Mortgage engaged in deceptive lending practice based upon CFPB Lawsuit filed in 2017. I feel that based upon the awsuit filed by the CFPB, I was wronged and deceived by OCWEN. As I stated in my previous complaint, OCWEN soled / transferred a past due / delinquent mortgage to XXXX XXXX. Doing this action has caused a hurtful and financial burden upon me and my family. 
XXXX XXXX has decided not to report the account to any of the three credit agencies. I am requesting OCWEN do the same ; not report the account and any information to the three credit reporting agencies. 
Thank you in advance for your help and report. 

v/r XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: JPMORGAN CHASE & CO.
State: WI
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:
( XXXX of XX/XX/2023 ) Went to open a checking account with chase in person. When opening a checking account they informed me because my father was a veteran they would wave the fees ( balance charges, etc ) for the account. The lady then asked if I would like to open a Chase Credit Card as the fees for that would also be waived. I said I couldnt at this time but would open it online later. She informed me that should be fine and that I could call and have the fee removed if it didnt automatically apply. 

( last week in XX/XX/2023 ) When I later opened the card I was charged a annual fee so I called Chase. I spoke with a customer service agent who told me I would need to talk to the Military service desk and they could remove the charge. The Military service desk told me this was only for XXXX XXXX and did not apply, but that customer service could remove the charge. Transferred back to Customer service and she told me only her manager could remove the charge. This supervisor then said they can not and will not remove the charge and will not do anything about the people lying but I should go the the branch in XXXX and they could remove the fee. The branch in XXXX said that they can not remove the fee and that customer service could do it... 

So basically I was on the phone for an hour about being lied to as a customer and they kept telling me it was someone elses job to remove it, yet every person I talked to told me they can not remove it. 

I just dont think its acceptable to lie about the terms and conditions for the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We paid off the mortgage of our house to Nationstar Mortgage on XXXX XXXX, XXXX. After multiple visits and calls to their office, XXXX County clerks insist that they have not received the Release of Lien letter from Nationstar Mortgage yet and the loan is still under our names in the county 's records. XXXX County does not accept any XXXX copy of the Release of Lien and they need the original one from Nationstar Mortgage. 
In addition, the status of loan payoff is not being reflected in the MERS system ( still shown as of XX/XX/XXXX and XX/XX/XXXX, when we refinanced it XXXX. 

The Director of Real Property of XXXX County advised me that they ( the county ) can accept an original certified Release of Lien letter to be sent by Nationstar Mortgage to me and I can then submit it to the county to negate the loan ( see the communications embeded in the attached file " Complaint to NSM - XXXX '' ). They showed me similar letters from different financial institutions and emphasized that there is nor problem with sending such a letter to the borrower. 

I made over XXXX ( XXXX ) phone calls to Nationstar Mortgage and sent XXXX ( XXXX ) emails and XXXX ( XXXX ) signed letters to their Customer Relation Department along with the emails from the Real Property Director of XXXX County requesting the original certified Release of Lien letter. 

Despite all of the above, unfortunately, Nationstar Mortgage keep sending the same machine generated ( XXXX ) copies to me over and over and the county clerks keep rejecting that. XXXX additional identical copies received yesterday. 

Supporting documents are attached. 

We, my family and I, are stressed out with this issue and we desperately need your help to resolve it as soon as possible as I will be deployed overseas soon. It is so frustrating that after months of paying off the mortgage, our house registration is still in limbo. 

Looking forward to hearing from you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened up an account at Navy Federal Credit union on XX/XX/2022 in my name with all my personal information. I started receiving emails from Navy Federal and I was deleting them until I received one that says member to member transfer. So I called the bank and requested that someone stole my identity cause I do not have an account that this bank. The lady looked up all my information and stated it was identity theft. She told me that it will be reported aand closed and I needed to contact all 3 credit bureaus and Social Security Administration. The last email i received : You added a new Member-to-Member transfer recipient to your account. Now you can instantly send money to : Name : XXXX XXXX, I o not know that person and Please investigate this fraud. The lady stated thatbthe accoount would be closed and Investigated. So then on XX/XX/2022 I received an overdraft statement from Navy Federal due to the account being overdrfted by {$95.00}. Then XXXX XXXX XXXX Ireceived a bank statement. If this account was. Closed ad investigated last month why am I still receving all this information. So apparently its an inside raud job with Navy Federal Credit Union. Itried to contact Navyy Federal once again and gott no response from them. This is eallyy a serious matter and I need it to be investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To whom it XXXX concern, On a recent review of my credit report, I discovered your company, Portfolio Recovery Associates is reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Portfolio Recovery Associates cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office, and the XXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: Experian Information Solutions Inc.
State: NJ
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:
First lf all my ame is XXXX XXXX XXXX.In the list months i have tried to get more credit and they denied it the. Tried to get a loan and they denied it the person that submitted the loan i asked him why they denied everything and he checked and saw the social is wrong but the name is wrong i contacted experian and they sent a report of credit number XXXX with name XXXX XXXX id # XXXX, XXXX XXXX XXXX ID # XXXX, XXXX XXXX XXXX ID # XXXX I only have only one name XXXX XXXX XXXX and one social security i dont have account associated witt no one else I never lived in XXXX XXXX XXXX XXXX Nor in XXXX XXXX place i havent lived in XXXX XXXX XXXX those are not my directions the social number XXXX, are not my socials the last time i work in XXXX XXXX XXXX XXXX was is XXXX from there from i worked as a XXXX  XXXX and for XXXX XXXX in XXXX XXXX XXXX my phone number is XXXX i havent had an account with XXXX XXXX and another bank i found on this list. I only have a credit Crd from XXXX  And XXXX XXXX and XXXX XXXX XXXX XXXX XXXX i dont know what is the motive that this company experian has put me in these two account together When i dont have an account with these people the names of these people are common but the social are not it would be nice of you can get me out of this i have worked my credit then XXXX up to XXXX and today i found myself without credit because the company they suppose to have the information of the person that didnt do a good good with the info and have mixed the accounts of diffrent people only because of the name experian doesnt want to Fix this problem that i am in i will send a photo of my passport waiting for you to Fix this problem and a recipt of XXXX XXXX of XXXX that use for my finger print when you write back please write back in XXXX at 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 2020-11-29
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEM submitted a collection account to credit reporting agencies that was previously investigated, resolved and removed from my credit report. It appears XXXX XXXX XXXX sold the debt to JEFFERSON CAPITAL SYSTEM after the account was deleted from my credit report. I requested from XXXX to generate a bill to verify the debt, they were unable to generate a bill. I also communicated that both XXXX and this debt collector as well have never properly communicated to me that there was an outstanding debt and have never provided any documentation after several attempts requesting that they provide documentation. Once again in the report, they are reporting this account to be a XXXX account however when XXXX XXXX XXXX reported the account they reported the account as XXXX XXXX XXXX. These are invalid, undocumented, false statements and I have not received any documentation thus far to confirm the validity of this information. 

Below is the detail information from the prior investigation. 

REF # XXXX XXXX XXXX XXXX XXXX XXXX - CFPB Dispute submitted on XX/XX/20 I called XXXX XXXX XXXX and XXXX XXXX to request verification of an alleged debt that showed up recently on my credit reports. Both companies were unable to provide verification. I requested they provide me with a bill and they communicated that they could not generate a bill. I requested from XXXX to generate a bill to verify the debt, they were also unable to generate a bill. I also communicated they never properly communicated to me that there was an outstanding debt. I was never notified of the debt. I am requesting documentation from them that consist of : Bill with itemized description of fees, Signed Contract, Copy of letter notifying me of an outstanding balance. Also these companies reported missed payments for the same month. My understanding is that only one of them can report information otherwise it looks like two separate debts and two separate late payments when in fact it should be 1. I reported this issue to all three credit reporting agencies. Some removed these item and XXXX did not. I am requesting that these companies provide proper documentation supporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There are 2 accounts reporting to Equifax which are fraudulent and I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional and physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: CA
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:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XXXX XXXX XXXX - Experian XXXX -Experian XXXX XXXX XXXX XXXX-Experian XXXX-Experian 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 2015-04-08
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar purchased my loan XXXX 2014 from XXXX. My automatic payment was due to XXXX on XXXX XXXX and my loan did n't transfer to NationStar intil XXXX XXXX, so I thought I had until XXXX XXXX to make a payment. I received a vague notice of the transfer with information about how to log onto NationStar 's website, but it did n't work. So I thought I had time and I 'd try back. On XXXX XXXX, by certified mail, I received a pre-foreclosure notice from NationStar. I called and got it straightened out and about 10 days later I finally received the introductory letter and payment information that I should have received LONG before any pre-foreclosure notice. I could fill a book with other NationStar mishaps. The most recent ( and last because I 'm refinancing ) is a notice telling me that because my Homeowners insurance was lapsing, they would purchase insurance for me at MY expense. I did change insurance companies, but both my new insurance company and I notified NationStar about the change. I did n't receive a call from them until they received a payoff request for the loan and THEN they wanted to offer me other products to stay. You could offer me 0 % and I would say NO THANKS! Ca n't wait to be done with NationStar!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
account was sold to a collection company and they have triple the amount of the collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the open dates are different, the balances are different on each bureau, one shows closed, other open, and the dates are different, it recently reopen a loan from 2 years ago and more violations. This ground for removal they also violated my rights under : 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.

Also neither the bureaus or the company on dispute marked my account " under dispute '' as per FCRA 623 ( a ) ( 3 ) Account disputed : XXXX XXXX XXXX issues : Violations in my credit report. 

All violations have been circled.

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 2021-03-04
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I recently sent in a qualified written request for the payment history, a notice for request for information in regards to a closing that took place involving a reverse mortgage that my deceased mother took out on XXXX of a property. I sent the mortgage servicer documentation letting them know that only half of the property is encumbered due to fraud. I also ask the servicer to send me a payoff notice for the debt. According to the US postal records my letter was received on XX/XX/2021. 

I have neither received a response within 5 days as required by regulations governing qualified written request for information.

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 2015-04-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a loan modification with NationStar Mortgage. The bank denied our modification request, but did not finish the denial properly. We requested supporting documents, and the Bank said they had until XXXX XXXX to reply to us. Despite our requests for the supporting documentation, and frequent follow-up, with no response from our S.P.O.C, the bank went ahead and set a Trustee Sale Date for XXXX XXXX. XX/XX/2014On the bank 's original denial letter, they offered us a " short sale option '' which we wanted to go forward with. The bank gave us specific and lengthy information on the short sale process The bank went so far as to send us the paperwork to fill out and provide us with an email address to return the short sale documents to. We completed the requested documents on the day we received them, and returned them to the bank via their specific instructions that day. 

When we followed up with the bank today, they said it was the wrong paper work, and it was sent to the wrong department. Moreover, they are now claiming that there are no options available to short sell our home. The servicer should at least honor their written and spoken word and allow us to short sale the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX Credit Card is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.

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