BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-14
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My payments increased from {$800.00} to approx {$1100.00} and I did my best to pay. I became delinquent around XX/XX/XXXX. I was confused, facing homelessness, and not sure what to do about this. I reached out to Nationstar/Mr Cooper, for assistance. They spread the payments over a few months. I was unable to maintain. I was not given any other options. 
In XX/XX/XXXX, a local ministry/consultant informed me of possible options to Prevent Foreclosure. I paid No Money to this Consultant and gave written authorization to Consultant to speak on the account. On XX/XX/XXXX, we informed Nationstar of our intention to short sale and prevent a foreclosure. We were informed that when an offer is received it must be initiated by a real estate agent via XXXX XXXX. 
We advised Nationstar/Cooper that there was no real estate agent involved and that we hoped to have a Cash Offer soon after the home inspection is completed. 
Nationstar/Cooper did NOT CLARIFY PROTOCOL to complete a Loan mod packet FIRST, then go to XXXX. On XX/XX/XXXX, XXXX rep Unique, XXXX, and XXXX informed Consultant of Mr Cooper site and XXXX. However, the packet was to be mailed to my address as we focused on details of raising the money to pay Cooper account off. I never received the packet that Cooper says was mailed out. All of my mail is being delivered properly EXCEPT Mr Cooper. During this time, the account was sent to foreclosure and a  foreclosure sale date was set for XX/XX/XXXX. 
TO DATE, I HAVE NEVER RECEIVED A NOTICE OF A FORECLOSURE SALE. 
The Consultant found out about the f/c sale date by word of mouth. In fact, when we call in they verify the account but did not mention the sale date until we asked. 

As of XX/XX/XXXX, it was made clear to me and the consultant. XXXXXXXX   never had intention to assist me with saving the home from foreclosure. Therefore, I am writing you for help. This Home does NOT have to go to foreclosure if given clear instruction for mortgage assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an open collections account on both XXXX and XXXX credit reports with PMAB in the amount of {$210.00}. 

In XX/XX/XXXX I called and made a {$50.00} dollar payment, requesting that the money be credited to the {$210.00} balance. The PMAB Representative told me I would receive are receipt for my payment via email. I never received my receipt. 

The account was reported again on XX/XX/2018 as {$210.00}, as if the payment had not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continuously reporting on mu Credit Report. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2019-03-24
Company: CarFinance Capital LLC, Irvine, CA Branch
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: Account status incorrect

Complaint:
Car Financial was paid in full this year in the month of XX/XX/2019. I also have a XXXX  credit card, XXXX account, XXXX account, small commercial loan those current up-to-date. And none of these are being reported on my credit. In fact two days ago I watched my score take a 56-point plummet. In the last year or so I've watched my credit score go lower and lower when in fact I have been trying to increase my score, I don't feel that I am being judged fairly this needs to stop. Please help me. And I would like to thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Henley, Lotterhos & Henley, PLLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX account collection by attorney was NOT mine. I provided my XXXX credit card not the same as the attorney had shown on the record but I was still given DEFAULT JUDGEMENT by court. I was NEVER summoned to date of court. Happen under a year ago in XXXX XXXX XXXX MISSISSIPPI. Approximately + {$1500.00} was XXXX out of my DAD 's account to make matters worst. Where were you earlier. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage company, Mr. Cooper, keeps adding junk fees to my account. Lately they have been labeling these fees as inspection fees. My mortgage is not behind, it has been paid timely and is usually a month or two ahead. I now have {$1100.00} in fees and no one at the mortgage company can explain to me, why these fees are being added to my account. I have written letters and sent emails, but I never get a response and the fees keep adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX never late

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 2018-02-22
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To Stop collecting PMI 1. I purchased a house in XX/XX/XXXX with 10 % down payment. 
2. The appraisal value was $ XXXX and the selling price was {$150000.00} 3. The Original Amortization Schedule shows as soon as the property reaches 78 % LTV or on XX/XX/XXXX the PMI of {$77.00} should be automaticall terminated as per Home Owner 's Protection Act. 
4. Nationstar mortgage now Mr. Cooper says that it will terminate automatically my PMI on XX/XX/XXXX. 
5. Honble ' Court has given a ruling in similar case of PMI removal that original terms and conditions of the purchase stands good even in case the loan being modified. No appraisal or BPO is required to remove PMI under Automatic Termination Clause. 
6. Now, when I approached Mr. Cooper they say that in XX/XX/XXXX only they will remove the PMI though my 78 % of the LTV reached in XX/XX/XXXX and currently at 70.07 % LTV. 
7. Mr. Cooper and before that Nationstar mortgage can only remove the PMI after reaching 78 % automatically and can not re-calculate the PMI and keep charging me {$22.00} a month. 
8. I dont know under which provision in Home Owner 's Protection Act they can re-calculate after 10 years and charge me {$22.00} PMI every month 9. Nationstar Mortgage should have stopped collecting PMI of {$77.00} as soon as my loan reached under 78 % which is XX/XX/XXXX or atleast should have stopped collecting PMI as per original amortization schedule which is XX/XX/XXXX. 
10. In their wesite they say that my equity on the loan is $ XXXX and sending solicitations that I can refinance and take cash equity out and they can do re-finance without appraisal also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: Conn's, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I requested a copy of my contract to calculate changes in the contract per my request. I requested Conns ' to remove all warranties from each product, credit life insurance, and property insurance. I provided them declaration page of renter insurance to remove credit life insurance and property insurance. They informed me it would take 21-30 days to update. I then receive email confirmation it was removed. I notice they indeed it was removed all the insurance and warranties for each product. However, the sale tax for the original amount paid was still the same. The amount of finance was still the same. I email them to ask when will they adjust my account, their response is they never dealt with a situation like this before. that was almost 90 days ago we are in the whole new year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of your correspondence postmarked XX/XX/2021 from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, entitled " Notice to Mortgagor. '' As stated numerous times to no avail, I or my siblings ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) are NOT the mortgagors of the property you reference " XXXX XXXX, XXXX NY XXXX. '' You have sent this letter in error to my siblings and me. The Estate of XXXX XXXX XXXX, for which I am the executor, has no claims from XXXX XXXX, XXXX or Select Portfolio Servicing, INC, or any other entity for that matter. This letter is both false and fraudulent. Should you have any questions, please do not hesitate to contact myself. XXXX XXXX XXXX, Executor for the estate of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Please cease and desist all and any correspondence with my siblings and address any concerns to the XXXX of XXXX XXXX XXXX. Again, the XXXX of XXXX XXXX XXXX is unaware of any claims against the estate. As stated numerous times to SPS, the property you reference is not part of any security interest or debt and all claims of such have been denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX. 
I also contact XXXX for the balance I had pay them before which was {$460.00} different than the one they reporting???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion is reporting I have 7 collection accounts listed in the Account Summary on credit report and reviewing the Collection Account Sections there are not NO accounts displayed, please correct my credit report as this is bring down my credit score. 

Please see pictures showing the Account Summary and Collection Account Section.

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 2018-01-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have ask repeatedly from wells fargo about questions concerning thier payments to my insurance company from my escrow, as well as payments of escrow which doesn't showing deposits. I had to float a loan to make up the discrepinses allotted by them. I think they have messed up my acct. Now they are saying I have to pay more escrow? help please!!

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 2018-04-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This card was payed off in XX/XX/XXXX and there were charges made on it inXX/XX/XXXX then the card was defaulted on in XX/XX/XXXX these are fradulent and I wasn't aware of them till recently.

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 2021-02-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report i notice a debt collector on my account numerous times trying to collect debt that i have no knowledge of i have never signed a contract with them in person nor electronically neither any of thete affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
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:
I have an issue with this account with Portfolio, I requested validation, payment history, signed contract etc. I received a letter with a couple statements which I reviewed but does n't validate this account at all. From what I have taken from the information sent in XXXX something was purchased for XXXX nothing received for Decor XXXX 2013, then a statement in XXXX given that tells me no payment was made and min due is {$410.00} then a statement in XXXX same data no information, nothing paid, XXXX the same nothing paid, XXXX same, nothing in XXXX then XXXX min due XXXX and same in XXXX. I would like to review the signed contract with XXXX, was any payments made on this account? I do not feel this is validation. I took it upon myself as this account which is an error to try to just settle this so it is not hurting my credit and was denied. I do not agree with the data given and where is the proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: NAVY FEDERAL CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a letter from XXXX  regarding fraudulent activity involving Navy Federal Credit Union ( NFCU ) that was deleted from my account. On XX/XX/2020 I looked at my credit report online and found erroneous information ( phone number and current employer ) that appeared to be related to the recent fraudulent activity. I then called XXXX to have it corrected and was told to contact NFCU regarding access to any other documentation that may help inform me as to the extent of the fraud and/or provide additional information for an investigation. I next called NFCU to obtain copies of the application and any other related account documents. I was eventually transferred to XXXX in Security Operations who informed me that they could not provide that information to me unless I had a subpoena. I asked several times if there were a way to prove my identity or provide a police report, and also mentioned victim rights of identity theft under FCRA, but was still told I could not have the information and that I should call back in 15 days so that they could advise me on the matter. She would not elaborate what that advice would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

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 2020-07-11
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made XX/XX/XXXX and XX/XX/XXXX payments on the Nationstar ( Mr. Cooper ) website.

The website showed XX/XX/XXXX payment was due XX/XX/XXXX and would be considered late on XX/XX/XXXX. It also showed XX/XX/XXXX payment was due XX/XX/XXXX and would be considered late XX/XX/XXXX. I made XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX payment on XX/XX/XXXX. This is clearly within the dates give and not late. Please see the attached pictures of the website showing these dates. 
BUT, my payment was marked late. I was charged fees and negative statements were sent to the Credit Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am messaging you in regards of my bank refusing to give me my money back. I received 2 fictious checks ( from XXXX XXXX Bank ) after completing a XXXX XXXX for a stranger. She told me her bank wrote charge wrong and told me to clear the check and send the money back to her. I sent through XXXX. This happened 2 times and I had to send my personal money that resulted in {$3100.00}. I've filed a dispute with my bank, PNC but they refused to reimbursement my stolen money. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX for Discover Card in Iowa. This has been going on for several months. I explained the situation. I XXXX, have XXXX  and XXXX. Their conduct has been poor. The last day wasXX/XX/2020 I get called about about 8 times a day. I have had enough. I am under the ADA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The account for XXXX XXXX was closed and charge off on XX/XX/XXXX once the account is closed and charged off there is no more monthly payments to be made or to be late making the account is closed to all business transactions you can not be late in making payments because there is no monthly payment to be made here is prove of the charge off remove all late payments after XX/XX/XXXX remove the collection on the payment status as there letter states they charge off and then sold it they did not send to collections they sold account XX/XX/XXXX they should not be reporting any late or FP or charge off after 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