BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is currently serviced by Nation Star Mortgage. This mortgage debt was discharged in a Chapter XXXX Bankruptcy in XXXX. Since the discharge date, Nation Star Mortgage ( NSM ) has promised to re-establish a new mortgage note, but has never followed through. NSM has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. [ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX District of NC, XXXX Division Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. [ 1 ] See XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX. Pro. No. XXXX, XXXX. # XXXX XXXX XXXX. XXXX. NY XXXX ). [ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Adv. Pro. No. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX XXXX. NSM is in clear violation of CFPB mortgage servicing rules as well, since they have refused to complete underwriting on complete loan modification packages submitted. NSM has also refused to issue a restatement quote to me as well. They claim the balance due {$58000.00} and the past due amount is {$8700.00}. These figures appear to be severely distorted since the original loan balance was {$54000.00} in XXXX. I should be paying the loan in full at maturity in 7 years ( XXXX ). The overall distortion of the balance, payments and escrow are clear violations of RESPA as well. NSM has imposed a foreclosure sale date of XXXX and I do not want to lose my home. I feel cheated and deceived by NSM and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/2016 i called XXXX insurance and told them to cancel my insurance on XX/XX/2016 as i got insurance with XXXX, i called back on XX/XX/XXXX to make sure it was canceled, they told me i had to have my new insurance company send them a letter confirming i had insurance with them. XXXX faxed them a letter and sent me a copy, they still continued to bill me for two additional months after XX/XX/XXXX resulting in this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
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:
The XXXX Bill ( Account number ( XXXX ) on my file was discharged in my bankruptcy in XX/XX/2013. It is incorrectly recorded on my bureau as a " charge off '' instead of " included in bankruptcy ''. I disputed this with the bureaus and they left it on my file as it was. This is a violation of federal law. I have included my bankruptcy paperwork showing the XXXX debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
FM XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX XXXX, 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 2020-11-21
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, About a month ago, I started the refinance process with Better Mortgage Corporation ( NMLS ID XXXX ) to refinance my existing mortgage at XXXX. 

The process started off rather smooth. However, towards closing, it started getting a little aggravating. The initial disclosure was fraught with errors : outdated payoff amounts related to my existing mortgage with XXXX, incorrect escrow numbers, the title costs changed with every version, etc. Despite several attempts to get the information corrected before the closing was first planned, the disclosures were not updated in time for closing. Eventually, after prodding for answers and explanations about some of the numbers, I managed to get some of the numbers corrected and satisfactory answers on others. Though a few numbers still did not match up, the differences per my calculations were small enough to let it go in relation to the loan amount. 

Finally, on XX/XX/2020, I received a written confirmation from Better Mortgage that the new loan was closed and funded. ( By the time I had closed with Better Mortgage, XXXX had processed the payment for the month of XX/XX/2020 ). At this point, I fully expected Better to wire the funds over to XXXX and once XXXX paid off the mortgage, I'd be refunded any excess payment amounts in addition to the escrowed amounts. 

XX/XX/2020, more than a week after the new loan was closed, I noticed my XXXX loan had not yet been paid off. I wrote to Better Mortgage, asking that they send me a confirmation or an acknowledgement of the payoff funds being wired to XXXX. 

No Response from Better Mortgage. 

In the meantime, I called XXXX asking if they had receive any notification or heads up from Better, letting them know to expect the funds to be wired. They had not. 

Wednesday, XX/XX/2020 - sent a follow up to Better Mortgage. 

Still no Response from Better Mortgage. 

Thursday, XX/XX/2020 - I called the closing agent at Better Mortgage. He said it looked like it was stuck at settlement and that the matter would be resolved today. Mind you ... this is two weeks after the new loan was closed. 

Friday, XX/XX/2020 - No receipt or email confirming the action taken, so I once again called the agent at Better Mortgage. I was told that he is in a meeting but did pass on the message that the funds will be wired today and that he will follow it up with a detailed email to me. 

Saturday, XX/XX/2020 - No email or confirmation from Better Mortgage till date. Meanwhile, my loan at XXXX has still not been paid off. 

The incompetence at the manner in which the closing is being handled by/at Better Mortgage is glaring enough, compelling me to reach out to the CFPB. Fortunately, I've made advance payments to XXXX, so the due date is not in the month of XX/XX/2020. Otherwise, I would have had to make payments to two mortgage companies simultaneously to avoid late fees. And we all know how tedious it is to get those refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
On XX/XX/2020 I spoke with several representatives from TransUnions Fraud department in attempt to get several fraudulent hard inquiries removed from my credit report. 

I spoke with XXXX XXXX re : XXXX I told her that the hard inquiries were fraudulent at the beginning of the call toward the end she told me that I hadnt mentioned that the inquiries were fraud and disconnected with me after being very rude. 

I called again only to be met with more roadblocks and attempts to stall me from getting the fraudulent information removed from several agents. In all I called about 3 times and spoke with about 9 agents. None were able to assist me with getting the fraudulent inquiries removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Jonathan Neil & Associates, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was involved in a motor vehicle accident in late XXXX of 2020. I was the driver at fault, and in XXXX, my insurance company reached a settlement with the other party 's insurance company. I received a letter from an unknown debt collection agency named " Jonathan Neils & Associates, Inc '' in late XXXX. In the initial letter, it stated in large print : " SEVEN DAY NOTICE '' regarding an accident in XXXX. I initially thought that it had to do something with the accident I had in XXXX. It stated that I owed " {$1600.00} '' in remaining damages to an insurance company I had never heard of in my life. I told JNA that I did not have that much money, that I am low-income, that I am too young and a XXXX XXXX. They sent me a " contract '' to sign and pay {$140.00} a month, so I made my first payment of {$140.00}. After further analysis with my insurance company, they said that the claim was settled a long time ago and that I had no liens or debts charged against me. I even faxed JNA the property release form and they claimed that they " did not understand '' what it was about. I realized that JNA was a fraudulent debt collection agency and that I wasn't the only victim in this. Several others fell victim to this agency as I was looking at the reviews of JNA online. I talked to my legal provider and I had them write a formal cease and desist letter for them to refrain any contact with me and to drop all " charges ''. Their claim number and stories were bogus, and when I called them, they switched their stories from one insurance company to another. None of their information was true. I want this agency to be held responsible for their federal crimes. These people almost made an XXXX pay almost {$2000.00} to pay for nothing. Unbelievable people that exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine.  I would like to have these resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have an account under a name thats not mine. They used my phone number, email, and social security for this matter. I cant access my own account or personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX charged {$860.00} & {$350.00} on XX/XX/XXXX, a full week after authorized to charge ending up in over {$1200.00} in overcharges in my account, which shouldnt even be able to overdraft XXXX,  let alone {$1200.00}. I was spending my COVID stimulus on XXXX and the balance was released back to my account apparently on XXXX but the authorisation still took money out on XX/XX/XXXX when it should have expired 3 days after not being charged on XXXX ( XXXX at the latest! ). Difficult events to thoroughly & efficiently explain but tell me what clarifications you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in Exhibits A-J, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Made a free account with TransUnion and was charged {$24.00} for no reason. Tried to remove my debit card information and received another {$24.00} for no reason! No good provided and no warning they would charge 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 2023-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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, PORTFOLIO RECOVERY, and XXXX are furnishing information that does not belong to me and the inaccurate or fraudulent information is being reported by XXXX, XXXX XXXX XXXXXXXX. I have sent letters of dispute, giving all of the companies a notice and asking that the information be deleted from the profile under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of this year of 2020 I contacted lending club to put my account on a payment payment arrangement. They said that they did that but that was not the case and a month later I was reported to an outside debt collector. After contacting Lending Club they admitted that it was their error and their computers did not reflect that I was on the payment program. They corrected the credit issue this dirt time. Since then I have had 3 other occasions all on different months where my credit report reflected that I was delinquent in the month of XXXX, and then XXXX, again in XXXX, and now in XXXX. All reported on different occasions once they said the problem was fixed. This is the only negative information on my credit report and as a result of Lending Club reporting this I have lost one of my credit cards and my available credit on another card has been reduced. Every time they fix the problem a month or two later its reported as late again for the different month. It takes a month to update this information where my credit report shows delinquent. This is unacceptable and my credit has been in disarray because of Lending Club since XXXX. They keep fixing the issue but it keeps in happening again. Financially they have crippled my ability to support my family for over 6 months. This seems like legal action is appropriate. I pay my bill on time and still have his happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through XXXX XXXX is reporting inaccurately. You have a balance of ( XXXX} ) of being owed and according to my records that amount is inaccurate. 
This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of ( my credit card statement that proves your balance is in correct ). 

Thank you,

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my identity theft. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and has gotten into the hands of the wrong person. This lack of concern as a consumer is unsettling and disturbing as it is no fault that my information was exposed/stolen. I ask that this matter be corrected and updated immediately because I have sent in the required paper work as requested now I need you to enforce the laws here to protect the consumer.

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