BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-06
Company: NATIONSTAR MORTGAGE LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received an Annual Escrow Account Disclosure Statement in XX/XX/2016 - outlining my mortgage escrow shortfall amount. I could choose to have the shortfall amount of {$710.00} included in my mortgage over the next 12 months or pay the shortfall. The option to pay the shortfall was to pay it in full or a percentage - I paid 50 % of the shortfall which was {$350.00}. Instead of the shortfall amount being applied to the escrow, the amount was applied to my principle. A new mortgage analysis was never completed to reflect the payment of the escrow shortfall - therefore a new mortgage amount was never calculated. Now I am being told that I am behind in my mortgage payment since the payment that is reflected is based on no payment being made to escrow shortfall. 
The payment amount is based on the escrow being divided equally into my mortgage payments over the 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Number of errors on report. Addressed with CRA and resolved some. Score increased. Tried using XXXX product which had no affect. Website difficult to navigate. Recent report shows decrease in report by XXXX points. Attempted to discuss with customer service numerous times but no one can give me reason for decrease. All other agencies show credit score over XXXX points higher. Information on other reports same.

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 2021-09-02
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
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:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from First National Bank on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. First National Bank violated federal law. see 15 USC 1681b A2. I did not give First National Bank Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
signed up for loan with title max XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX with XXXX. for XXXX XXXX of 2022 i have to date paid around XXXX and the balance hasnt budged. called to speak to XXXX and was told she no longer works there nor does the manager. When i signed up XXXX told me if i made the monthly payment it would pay off the loan. None of this has occurred. now since she doesn't work there the new general manager has no longer taken accountability for this situation. I have been frauded by this company. No XXXX  spoke english but her explanations where not clear and she just kept saying yes to the questions when i asked her about the payments. 
website is supposed to have my documents but they are not there. and the website was down for a month and had been hacked and we were told our data was breached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: NATIONSTAR MORTGAGE LLC
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:
On   XXXX    , Nationstar Mortgage negatively reported the status of loan account #  XXXX  on my credit report. This account was surrendered an d discharged in   my chapter  XXXX  bankruptcy on  X/XX/2017   .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in desperate need of assistance. I submitted a modification packet t o Nationstar howe ver they are refusing to review my modification packet. I have tried to work with them and have provided all documents needed to be evaluate for a new work out option. In the previous complaint I submit trough the CFPB agains t Nationstar wa s because they were not using 100 % of my income therefore I got denied because I was deficit. I am making {$5400.00} per month and my monthly expenses are {$3900.00}. These expenses include my current mortgage payment. I have even email my application to a supervisor and still no responds. I do not want to lose my house is all I have. Please help me I am in desperate need of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: FCI Lender Services Inc.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was sent here by another agency, thats been somewhat involved in our loan issue. After getting the info they told me to get, they told me to file a complaint with the CFPB. 
Ive attached two documents. One ( 1 ) is the monthly Loan Statement. The second one ( 2 ) is the requested statement were told to get and got by way of email on yesterday evening.

Our issue is that on the 10th of this month ( XXXX ) we transferred the amount of {$1600.00} for the XXXX and XXXX past due payments. These payments are due on the XXXX day of each month. The second document will show that the payment was made and received by FCI (  {$1600.00} ) on XX/XX/2019, but was not applied to the loan until XX/XX/2019.  Meaning also that the past two payments that was supposed to make the account show CURRENT did not happen until after the XXXX day of XXXX and was not included in this months statement dated XX/XX/2019. And by having the payment applied after the XXXX it would make the account statement show us being three months behind, when were are really only a few days away from making this months payment, and still within the grace period. 

Were told that we were a victim of a Deceptive Practice, that is illegal, because a bank, lender, etc must accept all past due payments ( {$1600.00} ). They can only decline or not accept anything that does not bring the account current. The attached two documents clearly show the payments necessary to bring the account current, and was received but was not applied. 
Im requesting the reason why the payment was not applied. After calling on the XXXX right after making the payment though XXXX XXXX, which has always been instant, to get its here but not applied, call back later and we did several times to find out it was there and was received on the XXXX, and after more run around, we later called back on the XXXX and XXXX and was told that they did not know why it was not applied, and that it will be tomorrow ( XXXX ) and it was. The other agency had told us last year after our initial dealings with the operation that purchased the debt, to be careful and by all means dont sign anything or agree to anything. That is why weve been contesting this loan since day one. 
When asking why the payment was not applied, and later being told the account was in suspense. When asking why it was in suspense, it was clear that whatever the reason was we were not told. Now the anxiety knowing that were most likely a part of some kind of scam.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 paid my credit card ontime and XXXX still put a late payment on my report from XXXX, I have tried for 4 years now to get it off and they refuse to correct the mistake they made. The sad thing is I also work for them and they refuse to fix it. They also ran my credit four times without my permission. 

Unauthorized credit pulls Transunion XX/XX/XXXX XXXX  XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  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 explanation
Consumer complaint received 2023-03-04
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
I tried to fix this problem with credit acceptance corp XXXX XXXX and XXXX I disputed this for paid in full or off of my credit report for fraud credit acceptance corp agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Mailed certified letter to XXXX with regards to unauthorized credit inquiries. No response, or validation of all these fraud credit inquiries. I would like to see validated signatures of my permission to pull all of these inquiries. If XXXX can not provide me with PROOF of signature in which, I consented to these inquiries. I have asked them to remove all of these fraudulent inquiries from my credit report. 
( See attached letter )

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 2020-06-02
Company: RoundPoint Mortgage Servicing LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home in XXXX, MA was formally foreclosed upon in XX/XX/XXXX by Roundpoint Mortgage Services Co. after multiple attempts to come with up with a repayment plan, one of which was approved and my checks were returned by the company nullifying our agreement without notifying me. After having a buyer for my property lined up they told them they were rejecting their offer Saturday night and processed the foreclosure Monday morning. We moved and with our lives and were starting to rebuild our finances and credit while our property was boarded up, lock boxes placed on the doors and fences, and Roundpoint Mortgage Services Co took ownership of the property. In XX/XX/XXXX we received a letter stating Roundpoint Mortgage Services Co. had illegally foreclosed on our property, were restarting the foreclosure process, and billing us for missed payments since XX/XX/XXXX along with foreclosure fees again. After immediately contacting Roundpoint they were denied working with us and that although it was their mistake we were still at fault for missed payments for over a year on our credit along with a second foreclosure. In XX/XX/XXXX we received a notice from the town of XXXX, MA stating that the property was a public nuisance and a hearing was being held. A decision was made that we were liable to have the house demolished despite it being in the hands of the mortgage company ( who was contacted by the town regarding the property ) and use being locked out of the property. The town only gave 45 days for action to be taken. Roundpoint has dirtied the deed and is now again attempting to put myself in financial ruins for the same foreclosure.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: AL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXd : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX XXXXK XX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-09-27
Company: ROBINHOOD MARKETS INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened an account with Robinhood last year and deposited over {$90.00}. My money should have grown exponentially due to XXXX stock purchased. Robin Hood has stolen my money and close my account without any reasoning whatsoever and they refuse to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear American Express, I would like to report the Business Amex Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

She made these transactions for her renovation and project without my permission. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. 

Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Didn't receive services that were advertised

Complaint:
I had consolidated my loans to XXXX. Mid- XX/XX/XXXXI was having trouble making my payments due to low income. I received an email on XX/XX/XXXX stating that they had defaulted and that they would go delinquent if I did not call in. The email stated that they can help. I called in XX/XX/XXXX and talked to a man about lowering my payments. He was very helpful and was to send me documents to fill out to ensure we got my payments lowered. I asked him, if I should make payments until we got the due amount lowered. He stated, not to pay until after I received my documents, mailed them back in, and got approved for the lower amount. I never received the documents. I called back in XX/XX/XXXX letting him know I hadn't received them. I took his advice and kept waiting on documents and not paying. I went to get a car loan in XX/XX/XXXX. As I was attempting to secure the car loan, the lady told me that there was something on my credit that I needed to check in to and that I couldn't get the loan. I looked into it and saw that XXXX had marked me as delinquent and sent my balance to collections. I called XXXX immediately and spoke with a lady and told her that I had been talking to the guy on getting the paperwork and that he had told me not to pay until it came. She went back and listened to our recorded conversation. She apologized that the man had given me wrong information and that there was nothing she could do. She then told me, " If it makes you feel better, he was let go from the company ''. No, that does not make me feel better because now my debt in is collections, I can't get approved for a car loan, and it impacted my credit immensely. I now have issues with the collection agency and communicating with them.

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 2023-04-17
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX account ending XXXX still reporting a balance and pass due after they sold account this violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I believe Nationstar Mortga ge, LLC may be co mmitting widespread fraudulent adjustment of variable mortgage interest rate loans, at rates higher than legally allowed in the mortgage contr act : 1. Nationstar acq uired our adjustable interest rate mortgage last Fall from previous holder,  XXXX   2. First  adjustment notice under  Nationstar r eceived  XXXX   XXXX ,   XXXX  , indicating interest rate increase from 3.500 % to 4.12 5 % 3. Cont ract provides  for MAXIMUM rate increase of 2.25 % + LIBOR rate  in place at 45 days prior to change date  4. Nationstar adjustment to 4.125 % would equal LIBOR rate of 1.875 5. On the 45th day prior to the change date the ACTUAL LIBOR was only 1.81. During the 30-day period around the change date ( 15 days prior and 15 days post ) ALL LIBOR rates were lower than the 1.875 6. Using the actual 45-day prior LIBOR, our adjusted interest rate should have legally been 4.06, NOT 4.125 % 7. The difference in rate would illegally cause us to pay tens of thousands of dollars in additional interest over the life of the loan 8. A com plaint filed online with Nationstar on  XXXX   XXXX ,   XXXX   has remained unanswered  9. If this is a systemic practice, all adjustable rate mortgage holders with Nationstar could be being charged hundreds of millions of dollars in fraudulent interest 10. Seeking investigation into both our loan and whether this is a company-wide fraudulent busines s practice

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX company insists I 'm the owner of the property where somebody did n't pay gas bill. I am not the owner of the property and I have never been .I tried to resolve the issue with the company 's representative but the lady was very rude. This is the worst utility company.

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 2019-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of XXXX Kohl 's charged my bank account for {$1000.00} that I did not authorize. I found this in XXXX of XXXX and disputed this with XXXX XXXX XXXX XXXX. They returned this amount of money to me. I have attached bank statements to this proving this point. I would have never authorized this amount to be taken from my account by Kohls because the maximum credit limit for this card is {$500.00}. I have also included a statement proving this. When XXXX XXXX returned this amount of money to me they also placed Kohls on a do not pay list. Which I was not aware of. In the summer of XXXX I paid Kohls for a small amount ( less than {$100.00} ) over their phone automated system. They have record that I did this. However, the payment was rejected by XXXX the following day because of the do not pay list. I was not made aware that this happened. Only when I got a credit alert from XXXX  did I realize that Kohls charged me a 30 day late on my credit report. I have attempted to speak with Kohls to explain the domino effect that resulted in this 30 day late, but they will not allow me to speak with anyone in the credit department, and state that is their policy. I feel this 30 day late was not my fault but the fault of Kohls and should be removed.

Company response to consumer: Closed with non-monetary relief