BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have 2 grievances with Citibank. 

1 ) I applied for a mortgage refinance with a cash-out option at the end of XXXX, with Citibank. I sought an amount of XXXX cash-out on a Single Family Residence ( SFR ) valued at approximately XXXX with an existing loan pay-off of XXXX. XXXX While my estimate of SFR value at the time of the application was XXXX, the difference in the 2 amounts is not at issue here ). 

At issue here is this : Today, XX/XX/XXXX was the first time that I was advised by Citi that the current maximum amount of cash-out during refinancing is {$250000.00} -- which is their a policy that, reportedly, went into effect as a risk management step during the early part of XXXX when COVID-19 became a global pandemic. 

My grievance is that 2 months had gone by since the application was started in XXXX, and at no time was this limit ever disclosed to me until today, XX/XX/XXXX. Furthermore, it is NOT published anywhere on Citi 's public-facing websites or documents provided to me. 


2 ) First point notwithstanding, also today I was advised by receiving a copy of an updated loan estimate, advising me that my loan application would no longer reflect XXXX ( ZERO ) points. Instead, it would reflect 0.625 % points with no written justification! 

I am concerned, and, frankly, baffled how a bank of Citi 's stature can provide a document ( attached 2 versions ) with a silently-updated point value as compared with XX/XX/XXXX XXXX when it had been 0 % ), whilst AT THE SAME TIME act illogically and sow confusion, knowing that their cash-out amount can not exceed XXXX! 

No such limits are published on Citi 's website nor were communicated in any of direct communications to me, the applicant. Being of material nature this information is crucial. Lack of such transparency and failure to make this guideline known has contributed to valuable time being lost by my family in pursuing a seemingly unattainable outcome. 

I am requesting a review of this matter by an unbiased individual ( or group of individuals ). I welcome learnings and feedback if my understanding and expectations have been unreasonable.

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 2017-05-19
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the title owner of the property located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( " The property '' ). The Bank filed a case based on breach of the mortgage ; more specifically failure to maintain insurance on the property. On XX/XX/XXXX, I received a letter from the lender indicating that my hazard insurance had lapsed. ( Addressed to my XXXX XXXX ). The letter indicated that if I did not obtain insurance that the lender would purchase insurance for me on the property. Included with the letter was an informational brochure. The brochure indicated what would happen if I did not obtain insurance. 1. The lender would " force-place '' insurance. " With reverse mortgage loans, lender may withdraw the cost from the available equity in your reverse  mortgage loan. The reverse mortgage I obtained on with the Plaintiff was for {$120000.00}. At the time of foreclosure, I only used approximately {$2500.00} of the line of credit on the reverse mortgage. Nowhere in the brochure did it indicate that a foreclosure was a possibility. Days after the letter from the lender a foreclosure complaint was filed against me on the above mentioned property. I was served the original complaint on XX/XX/XXXX. The complaint was filed on XX/XX/XXXX, however, on XX/XX/XXXX I obtained valid insurance on the property and states the property and was covered from XX/XX/XXXX to XX/XX/XXXX.  Proof of insurance was sent to lender. Because this was the basis of the complaint, and I sent information to cure the issue, I assumed it was taken care of. I did not receive any further information regarding this matter. I did not receive any subsequent pleadings, that the Plaintiff indicates were mailed out to the address of the property. Mail is not delivered to that address and has never been. I do not receive mail at the property and have not ever received mail at that address. I receive mail at a XXXX XXXX . Per the US Post Office, all mail Must be addressed to XXXX. XXXX XXXX XXXX, Fl XXXX. I never received any subsequent pleading or any documents regarding this foreclosure. I assumed the matter was taken care of. I only became aware of the Final Judgment on XX/XX/XXXX or XX/XX/XXXX of this year when I was served with the Eviction Notice. I am XXXX XXXX XXXX and the care-taker of my wife who has XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Credit Plus Inc
State: IL
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:
I have requested a copy of the document I signed giving them the right to check my Credit.  They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Village Capital & Investment LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with XXXX XXXX XXXX and they sold my mortgage to village capital. village capital then sent me a letter in XX/XX/2020 stating that they were going to purchase homeowners insurance. I already had homeowners insurance with XXXX. I then paid my insurance {$2400.00} and rent the paperwork to village capital for a refund. I am now to the point where i am talking to XXXX XXXX her number is XXXX. I have filed a claim with the XXXX XXXX XXXX. The insurance was to be paid in my refinance and never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I am relocating to another state, applied for a rental house and I was denied. 
My credit score use to be over 800, and now it is in the low 700s, drop of a XXXX points. 
Would like to know the reason for that. 
I am retired. Please help me with this issue! 
Thank you, 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 2022-10-05
Company: United Collection Bureau, Inc.
State: PA
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 with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) Billing Error- A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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 am very stressed out as I found accounts that are not mine. I do not recognize these accounts and can not understand why they are here in my credit report. Could you please make identification of this problem and check these items because I am very confused and can not understand what to do. I am worrying about my credit score as I am planning to move forward financially. Please after you check find out how I can resolve this situation with my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
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: Information belongs to someone else

Complaint:
Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this 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 non-monetary relief
Consumer complaint received 2020-12-01
Company: OPORTUN FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I sent documents to XXXX  ( Tracking ID : XXXX ) and XXXX ( Tracking ID : XXXX ) about a debt from Oportun XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to Oportun ( Tracking ID : XXXX ) but no response either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Credit Karma, LLC
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:
I received an email from CreditKarma alerting me that a credit inquiry from XXXX had been ran using my name, address, and social security number. I do not have any accounts with XXXX. I disputed the inquiry with CreditKarma and left it alone. Later, I got the " confirmation '' letter in the mail, however it was in XXXX, and I do not speak XXXX, so I knew that someone had tried to commit fraud. I called XXXX and reported the fraud, and they told me that they would handle the situation. However, as of today, the inquiry is still showing on my XXXX and is bringing my score down into the yellow. I want the inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I closed on my house with a mortgage amount of {$2200.00}. On XX/XX/XXXX, I contracted Wells Fargo concerning receiving a letter stating that my City taxes had not been paid. Wells Fargo stated that the taxes had been paid. However, they would file a case for the further review and requested that I fax a copy over to them. I faxed the information over to Wells Fargo the following day. I contacted the taxing authority a couple of times to verify payment. Payment was not made by Wells Fargo until XX/XX/XXXX. I called Wells Fargo on XX/XX/XXXX to see how this payment was going to affect my account. I was informed that since the City taxes and County taxes were more than the amount calculated for my loan that I had a negative {$770.00} in my escrow account. The Wells Fargo rep stated that I was lucky to check on this matter now because when my escrow analysis runs in XX/XX/XXXX ; my mortgage would increase by {$500.00} to adjust for the shortfall. I asked why I was not notified on the shortfall. She stated that they do not have to provide this information until the escrow analysis is run. She also told me in order to correct the issue now ; I would need to make a payment for {$3000.00} and my mortgage would still increase by {$180.00} per month. So, I made an escrow payment of {$2500.00} on XX/XX/XXXX. I made {$110.00} escrow payment on XX/XX/XXXX. I spoke to another rep who stated that the entire payment would need to be paid by the end of XX/XX/XXXX or the system would automatically increase my payment by {$500.00}. I asked could they reverse some of my principal only payments to help get me to the necessary balance. I also asked if Wells Fargo could adjust the figures since this was their mistake. I was advised that this was not issue and that the Title company made the mistake and that they had already paid the {$32.00} late fee for the City taxes as a customer service gesture. At this time, I still owe an additional {$400.00} before XX/XX/XXXX if I do not want to pay an additional {$500.00} on my mortgage each month.

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 2019-03-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to this company several times, most recently XXXX XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, asking for proof of the debt and debt amount. I have received a statement from the collection agency each time that I send a letter, but not the original contract or itemized statement of amount owed from the original creditor. I have also disputed with the credit bureaus asking them to validate the debt, and it has remained the same each of the three times that I have disputed the validity and accuracy of the debt.

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 2017-06-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The home is in foreclosure. The past 4 months Nationstar was made aware that the property was in the process of being purchased/ sold to a new party, which is why numerous reinstatements and pay offices were being order on a monthly basis. The file is now in escrow and ready to close. Nationstar was made aware that the file was in escrow and was sent over all pertinent documents pertaining to the transaction Nationstar will be paid the full amount owed via this transaction but they are REFUSING to let the transaction be completed. We are asking for the sale to be postponed so the loan can be funded and Nationstar can received their payoff in full. We are simply asking for an additional 2 weeks to 30 days at the most.
There is no tangible reason why Nationstar should not postpone the sale date. At this point it is apparent Nationstar would rather foreclosure than assist in this process. The XXXX  feel as if they are being discriminated against based on race, ethnicity, national origin.
The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on home and fire selling them at auction to make a profit. It appears that Nationstarss lack of participation to complete this transaction of Homeowners file indicates a preference to profit directly from their hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar Mortgage has not been reporting to the  XXXX  credit bureaus,  XXXX ,  XXXX , nor  XXXX , my payment history since   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2021-09-02
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: Investigation took more than 30 days

Complaint:
I have submitted written requests to all 3 Credit Bureaus disputing inaccurate information that should be removed and it has been 30 days with no results.

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 2017-05-30
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
try to modification my mortgage and told me not to make a payment on my home ..it took 10 months now they want {$8600.00} to keep my home,, need help Please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EQUIFAX, INC.
State: MO
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:
There's 8 unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, until these agencies provide me with physical verification as requested over 90 days ago, all the above should be removed as stated in the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. US DEPT ED XXXX {$920.00} XXXX XXXX   XXXX {$200.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX   XXXX {$20000.00}

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 2021-01-22
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint against SIMON 'S AGENCY INC ACOUNT # XXXX & XXXX the ORIGINAL CREDITOR : XXXX XXXX XXXX. I wrote to them on XX/XX/2020 for validation they received the letter on XX/XX/2020. They responded back on XX/XX/2020 past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. 
I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : 1 ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, Nelson vs. Chase Manhattan. Extent of damages incurred by the wronged partly as deemed by the courts. 3 ) Liability : Bryant v. TRW - the Defendant consumer reporting agency unsuccessfully argued that, under 607 ( b ) of the FCRA ,15 U.S.C. 1681 et seq., it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. 4 ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA Section 623 CUSHMAN, v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. Extent damages incurred by the wrong party, as deemed by the courts. 5 ) They also fail to tell the following so they have no claim to have me pay this : Show me that you are licensed to collect in my state Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action.

Company response to consumer: Closed with explanation