BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My family has owned our home in XXXX, Arizona for over 30 years. I have had some major health issues the last few years and due to a XXXX and XXXX XXXX was forced to retire. I had a lapse in income after retiring while waiting for my XXXX checks to begin and as a result fell behind on my mortgage with Nationstar. Now that I am receiving a regular check from XXXX and with my wife 's income we can resume making our mortgage payments. The problem is that Nationstar will not accept our payment. They will not communicate with us or assign a point of contact. We have asked to be reviewed for modification programs through the federal or state government but they have not even opened a review. As a result we now have a foreclosure sale date set for XXXX XXXX, XXXX. This should not be happening because we can afford a fair payment if Nationstar just gave us a chance at a modification. 

My wife and I refinanced our home in XXXX. When I began having XXXX XXXX in XXXX and was unable to work we were allowed to apply for a loan modification and were approved. We made these payments without any problems until I XXXX in XXXX which left me unable to work. At this time the loan had been transferred to Nationstar. I do n't know why Nationstar is not even considering our current financial situation and working with us towards a restructured loan. I think it would be better for everyone and more money for Nationstar if they worked with us and allowed us to stay in the house instead of foreclosing on us. We are not that far behind on the loan and our balance is low as well. I definitely believe if Nationstar took the time to review our information we would qualify for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: SYNCHRONY FINANCIAL
State: CA
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:
I have a credit card through synchronicity Bank. The credit limit is {$2500.00}. 
Since opening the card I have made several payments. XX/XX/XXXX tuna {$50.00} XX/XX/XXXX XXXX  {$50.00} XX/XX/XXXX XXXX  {$50.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$500.00}. The last payment of {$500.00} made on XX/XX/XXXX was taken out of my bank account on XX/XX/XXXX. Today is XX/XX/XXXX and the credit has not been posted to my available credit. I was told a hold was placed on my account and will be in place for another 3 days. This card offers a 2 % cashback reward. I believe that I am being discriminated for my ability to pay my card and earn reward credits.

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 2019-07-13
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All student loans where payed off because of disability. Income was not able to pay off. Approved for government payoff over 5 yrs ago. XXXX still shows balance and delinquency on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, I applied for a installment loan with Ch eck n Go ar ound and I have ma de 16 pay ments in the amount of {$120.00}.     I have had previous loans with this company and they usually take their money at the beginning and interest.to interest. I went into the  XXXX  different locations to determine why the payments are not being applied to principle.  XXXX  at the  XXXX   XXXX   XXXX  location says its in error and that I needed to have corporate correct the issue. I have called several times to corporate and unable to get a live person. I need help otherwise I will never pay this loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage with another bank in XXXX and was owed my escrow account from Nationstar mortgage. Nationstar keeps telling me that they have sent me my refund via mail ( XXXX checks for {$1800.00} and {$220.00} ) but it never arrives. I 've done this 3 times since XXXX with the last refund check supposedly being sent overnight on XXXX/XXXX/2017. After reviewing complaints on the internet, Nationstar Mortgage is currently being investigated by the Better Business Burral. I 've have read multiple similar complaints about this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Mr. Cooper Group Inc.
State: CA
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 unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. NATIONSTAR/MR COOPER XXXX Date Opened XX/XX/XXXX Balance {$360000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Chase bankAd claims 48 month loan at 2.38% for checking account patronsOnly able to apply onlineOnline application either “doesn’t work” or “disappears”Going online WITH an agent does not help. ( getting an agent is a Herculean event)In any event, agents online and at the branch assure me that I will never get the 2.38% anyway, “ No one does”I have been a long time customer at chase and have always had an excellent credit score.Isn’t this cheating?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CCS Financial Services, Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
CREDIT CONTROL SERVICE XXXX, phone # XXXX XXXX keeps reporting that I am past due on an account that was closed by the original creditor and was deleted from my credit report in 2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
3. Identity Theft XXXX Account Number : XXXX Delete this account. 
4. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
5. Identity Theft XXXX Account Number : XXXX Delete this account. 
6. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
8. Identity Theft XXXX  Account Number : XXXX Delete this account. 
9. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 
10. Identity Theft XXXX Account Number : XXXX Delete this account. 
11. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
13. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 18. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 20. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX 21. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 22. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA 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 2017-03-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
First I must say that there isnt a correct selection for a credit collector who is reporting a debt far outside the Statute of Limitations. NationStar has been reporting my Mortgage as late when they should not be reporting the account at all as it is well beyond the 7 1/2 year Statute of Limitations allowed by the FCRA. Section 605 ( c ) ( 1 ) which states the reporting period begins 180 days after the event that caused the account to become delinquent. Then the Statute of Limitations runs 7 years. This date does not change unless payment has been made by consumer which resets the clock. In a letter dated XX/XX/XXXX NationStar states without question, and I agree, that the Date of First Delinquency was XX/XX/XXXX. I have disputed this on 3 occasions with XXXX, XXXX and XXXX in the past 2 years and included copies of the NationStar letter showing the XX/XX/XXXX date. Each time Nationstar violated the FCDPA and FCRA by voluntarily and with malice reporting an invalid debt. In many discussions the folks in collections say they can not make changes to my Credit Reporting Agency files and only they can do that, and NationStar just keeps reporting a debt whose last payment was made 9 years ago!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, My brother XXXX, sent me {$2000.00} from his Paypal Account to my account under ( XXXX ). The money left his account and was directed to my Paypal Account has been in a " Pending '' hold situation past the XX/XX/XXXX, advisory date on their schedule listed under a Help Tab, and on the automated phone response system. I have called them each day since theXX/XX/XXXX, and they continue to state you payment should clear today and no longer than the XX/XX/XXXX. 

I have found there explanations to be " not credible '' as to the delay and it is my belief that there delay is for profit of interest, since they do not earn a fee for their services. 

This is 2019, and there is no reason acceptable to expect this amount of time for a financial transaction, unless you have a house closing in Escrow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: TD BANK US HOLDING COMPANY
State: VA
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:
I accidentally paid my bill twice. When I saw the automatic payment had taken my funds ( {$2800.00} ) a second time at midnight on XX/XX/19, I called TD Bank Visa at XXXX XXXX on XX/XX/19. They said the money would have to be sent back by check and it would take 7-10 business days. I called back on XX/XX/19 and found out that only {$1500.00} had been refunded and that the check was just printed that day. I was told that the original person set it up as a credit and not a refund. They told me that corporate would have to review it and refund the remainder. I called on XX/XX/19 to find out that no one has reviewed it yet. My money has been fraudulently kept for almost a month now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
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 recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted transunion, equifax and experian regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a Loan with XXXX XXXX ACCOUNT XXXX for XXXX and XXXX. I never use XXXX XXXX for my student Loans Only Nelnet and this is incorrect on my credit report. They tried to get my loans but I never signed for them to be my loan service. Should not be on my report. 

Nelt/net has accounts that are reporting inaccurate information from two sets of accounts series with the same loan amounts. my accounts are in good standing and opened, but they are reporting information on closed accounts XXXX $ XXXX XXXX $ XXXX. XXXX $ 1530-closed XXXX $ XXXX. XXXX $ XXXX XXXX $ XXXXclosed XXXX $ XXXX XXXX {$3000.00} closed XXXX $ XXXXclosed XXXX $ XXXXclosed. These are incorrect and should not be on my credit report. my loans are actually opened not closed and they show.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar has been out of compliance and committing unlawful acts on my mortgage loan. Nationstar is not the original company and is flawed in reporting accurately and they are over charging me. I have asked for copies of my original loan and they are not able to produce my documents nor signature documents. I am XXXX years old and on a fix income and this is a violation of my consumer rights. I have documents and proof of the flawed acts of Nationstar. I notice there is a lawsuit against this company. Can you please consider my complaint and assist me in relieving me from this predatory debt and unlawful act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital One has ran my credit several times without my permission which has affected my credit due to the inquiry. I have at no time applied for or had an account with Capital One. I have written them on several occasions stating this and requesting removal of the inquiry yet they refuse to remove it and each time send me back an automated response about them having access to my credit file for promotional purposes. Well that is a lie because I have restricted and opted out of all credit card screenings. This is my last attempt for Capital One to remove the inquiries before I have to seek further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
NATIONSTAR MORTGAGE : I got behind in my pymts ( XXXX ) and got a foreclosure notice. Repeated attempts to contact my assigned 'loan specialist ' were ignored. I have never heard her voice. I did talk to someone at their 'call center ' and was mailed a package to apply for modification which THEY SUGGESTED and I did. I waited a week and had to call THEM back to see if they even received it. Once again I got their call center because my 'specialist ' does not return calls. I was told a decision would be made XX/XX/XXXX. I did not hear from them XX/XX/XXXX so I called on XX/XX/XXXX and learned I was DENIED this modification on XX/XX/XXXX but was not told! They set a foreclosure 'date ' for 30 days after the DENIAL which was XX/XX/XXXX ( still have not received a notice yet and it is XX/XX/XXXX ). So I have little over 2 weeks to find assistance with ZERO help from this company. Worst servicer EVER!!! I wo n't even get into the magical 'fees ' that appear on a regular basis. Not sure what good a complaint can do. There is no 'choice ' involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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 information incorrect

Complaint:
Since this is not the first time I contacted the bureaus ( XXXX, XXXX and Equifax ) via phone, online and mail to concerning inconsistencies reporting across all XXXX bureaus on my credit report. 
I have highlighted the items I disputed on the enclosed copies of the reports I received from XXXX different credit monitoring agencies. 
It is my understanding that you will investigate all the items I have highlighted to ensure accuracy and delete the inaccurate information. XXXX are held to authenticate that they're correct to report deficient and erroneously of evident compliance of factual reporting particularly in relations to correct mandatory processes of lawful reporting obligatory complete XXXX formatted compliance of reporting standards. This is not an option. This is violation of my consumer rights. 

Please produce undeniable documented certified proof of claims and the claim 's reporting processes and format complaint status or else stop reporting said claim. 

Please provide me with an update credit report once this process is complete. 
I appreciate your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XX/XX/2020 i told social security i wanted to get my benefits on the directexpress card they signed me up from the office now directexpress say they sent it out XX/XX/2020 Its now XX/XX/2020 still no card i been calling the XXXX number for a weeks now back to back all day long i need my money for me & my lil XXXX lose our home and be on the streets my email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Us department of education are in violation of u.s code -15 U.S. code 1681b -15 U.S. code 1681S -15 U.S. code 6802

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 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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