BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: Bread Financial Holdings, Inc.
State: MA
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and .. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2019 when i walk to Bank of America XXXX XXXX to open a new account, everything went well opening my new account using my paycheck amounting to {$1200.00}, later that day, i was trying to access their mobile app when i found out that the mobile account is locked and advise me to contact costumer services, i called costumer services and found out they closed my newly opened account already and elect not to do business with me anymore, i asked them the reason why and all they give me was it was a business decision on their part not to do business with me, so i asked them if i can get my money back on any financial institution branch they have, they told me after the account is closed, they will send me a managers check amounting to the amount i deposited, first they told me it will take 24-48 hours to close the account, I ended the call since nothing much can be done on my situation.. 
XX/XX/2019 I walked to the bank of america branch where i opened my account hoping i can get my money bank, i sit down with a banker and explain the situation im in, she called the corporate office to ask if they can release my money since they closed my account already, but to no luck, the corporate office declined, the banker gave me a number to call to do a follow up on my situation, i called the number as i walked out of the bank, didnt take long before someone answer on the other line, i asked them when can i expect the check in the mail, he told me that the process of closing my account wont be done till XX/XX/XXXX, after that is when they will send the check to me, ..it was devastating for me, for a normal person living paycheck to paycheck, it is really difficult, not knowing where to get the money to pay m monthly bills and all that, i feel violated with this situation,

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 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I physically deposited first paycheck from a new employer into a Chase drive-thru ATM in XXXX, CO on Tuesday, XX/XX/2021. The ATM printed a receipt stating that 100 % of my funds would be available after a 2 day hold, on Thursday XX/XX/2021. However, the hold is still active and I do not have access to my funds, and I'm getting service interruption notifications on various accounts ( home utilities, cell phone, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 sent out an Affidavit of Truth to IC SYSTEM which has been ignored. I've sent out a Notice of Default and Opportunity to Cure with hopes to get my issue resolved.

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 2021-11-29
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX XXXX {$0.00} XXXX {$3900.00} XXXX {$220.00} XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX where Nationstar became my service provider, now Mr. Cooper with the name change. There was a payment of {$4600.00} for the XX/XX/XXXX property taxes from my escrow account when in the closing costs, that was to be paid for by the seller. This caused for a shortage in my escrow when the Escrow Disclosure provided at closings have me at a surplus, especially since my taxes in XX/XX/XXXX went down to {$4100.00}. According to XXXX County records, they received the payment for the XX/XX/XXXX taxes from XXXX ( the sellers lender ) on XX/XX/XXXX. There were some transfers between the County, Nationstar, and XXXX in XX/XX/XXXX, then Nationstar paid the county {$4600.00} on XX/XX/XXXX resulting on an overpayment. There were more transfers between the 3 parties with the final transfer on XX/XX/XXXX. XXXX was eventually refunded the overpayment because it looks like Nationstar did not accept or appropriate those funds to my account when they should not have made the payment to begin. Based on closing documents and loan termsNationstar should not have paid those XX/XX/XXXX taxes. I believe that I am entitled to a refund of funds in my escrow account, and I have not received them. I placed multiple phone calls to Mr. Cooper and XXXX XXXX, a manager based in Texas, said she was going to provide that refund by contacting XXXX in a conversation I had with her on XX/XX/XXXX at approximately at XXXX XXXX ( CT ). I called on XX/XX/XXXX to for an update on that only to have the customer representative, XXXX XXXX also based in Texas, that they did not follow up with XXXX. Instead, XXXX XXXX just put in a request for more " investigative research ''. A new escrow analysis is required after correcting the escrow accounting error since my property taxes went down from {$4600.00} in XX/XX/XXXX to {$4100.00} in XX/XX/XXXX, while my mortgage payment increased by almost {$400.00}. It makes no sense that my payment increased while my taxes went down. Every time I call I get the same answer from Nationstar ( Mr. Cooper ), that I should contact XXXX for the refund. I have done that and the response from XXXX is that they can not give me information about that property because the loan was not under my name, it was under the seller 's. XXXX did say they are more than willing to talk to Nationstar ( Mr. Cooper ) about those funds and when I tell Nationstar 's ( Mr. Cooper ) representatives, they say that they can not contact PennyMac, so it's a revolving door of not getting the answers or any action on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have made several attempts to settle this issue but to no avail, then I contact Walmart after checking my statement to find PayPal credit illegally posted a transaction in the amount of XXXX as an order I made on XXXX. I contacted Walmart, there is no order showing on that date on my account. Also, refunds from Walmart were returned to PayPal, no adjustment been made to the proper transactions, enclosed are documents Walmart refunded XXXX towards XXXX XX/XX/2021, promotional expiration date Walmart refunded XXXX towards XXXX XX/XX/2021, promotional expiration date. 
PayPal already have these documents

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 monetary relief
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
on XX/XX/XXXX I was at XXXX  XXXX  inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.

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 2020-08-03
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.

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 2019-03-11
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: Information belongs to someone else

Complaint:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: NAVY FEDERAL CREDIT UNION
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:
My Identity was stilen while I was in prison. I have made serval attempts to correct these issues by submitting mypridon outdate along with my correct information but these companies refuse to remove this debt from my credit report. After serving years in prison I am trying to grt my life back in order amd these companies are hindering me because of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I contacted all 3 credit reporting agencies they all have my incorrect information barring me for using my credit of applying for anything using my credit they have made no attempt to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So I received my credit profile 's from XXXX  & XXXX which both include 2 collection account 's placed with LVNV. I sent them a debt validation letter which I never received a response. So last week I contacted them via phone, explaining how I requested proof of the debt. They informed me it was a cease & desist on the account to speak with me I need to allow them to remove it. So I proceed & explained how I would like proof this is a valid debt if not I would file a police report at my local police station, regarding these accounts. Credit one the orginal creditor deleted their reporting I do not understand the issue with the collection agency. 
lvnv Funding Llc Opened XX/XX/XXXX {$920.00} Original creditor : XXXX XXXX Lvnv Funding Llc Opened XX/XX/XXXX {$830.00} Original creditor : XXXX XXXX XXXX N A Dear Sir / Madam, I have recently disputed a derogatory mark for collections on my credit report from LVNV Funding, LLC. I have never received any form of Initial communication stating I was the consumer and without my knowledge or any form of initial communication this debt was also added to my credit report. The notice was not received in the allotted time given by the FDCPA for me to dispute or validate this alleged debt. For this reason I have no information on account number or file numbers. I am disputing the validity of this entire debt. I am requesting validation of this account per the Fair Debt Collection Practices Act Sec. 809. I would like to acquire the following information for the purpose of validation : Documentation from the original creditor of the following ; Original date of default or non-payment of the debt The last valid payment to/toward the above creditor Name and address The original balance The date of transfer from the original creditor to the debt collector The date ; in which LVNV Funding, LLC made initial contact with me about my debt. ( The initial phone call and written notice. ) FDCPA Sec. 809. ( a ) Notice of debt ; contents The current balance of debt. This is not an acceptance nor acknowledgment of this debt. Note that these are the rights given to me by the Fair Debt Collection Practices Act which allow me to dispute and validate my debts. If LVNV Funding LLC can not provide the following evidence within 30 days of receipt, all consumer reporting agencies must be notified to delete this trade line and cease collections of this debt Sec. 809. ( b ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: MD
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Clarity Services
State: FL
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:
some on or about 2019 Clarity service XXXX at XXXX XXXX XXXX XXXX XXXX FL pull my credit report some 31th time with out my permission through Experian credit agency XXXX TX XXXX I File a compliant with consumer financial protection bureau. the company contact me and stated that they would remove this inquires but failed to contact Experian to ask them to remove these unauthorized inquire. please make them remove these inquire 31 time. this is the second time that I have file a compliant against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Date : XX/XX/2019 Earlier this summer I requested information on how to remove PMI from my mortgage loan. I was give specific details from a representative at Mr.Cooper I was originally informed by a Mr.Cooper representative that in order to meet the requirements to remove PMI, the property in question would have to exceed a value of XXXX and or have substantial improvements. And both have been meet. I submitted a new appraisal. 

I have recently completed a detached 720 square foot garage. 
Complete kitchen remodel with new cabinets, counter tops and floor. 
One bathroom remodel cabinet sink and flooring. 
Along with an expansion of the driveway. 

I was informed todayXX/XX/19by a representative from the Arizona office that my request for PMI removal was denied for reasons of " no substantial '' property improvements. 

I am disputing their denial, I paid XXXX XXXX dollars for an appraisal just to be told " it's not enough ''. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was handled with the original debtor XXXX and I.C Systems and XXXX  refuse to remove this inaccurate account from my credit report and it is hurting my credit score.

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 2020-08-02
Company: Experian Information Solutions Inc.
State: NY
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:
After reviewing my Credit report I notice that were inaccurate accounts that are reporting incorrectly that are not mine. On XX/XX/2020 I wrote Experian about these accounts that are harming my credit profile. THEY HAVE FAILED TO REPLY BACK TO ME. PLEASE DELETE THESE INACCURATE ACCOUNTS FROM 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