BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage and escrow account with Nationstar Mortgage. This month they took an additional amount from my checking account. After the fact they sent me a letter saying my payment was changing due to changes in my Escrow impound account. I reviewed the escrow analysis and everything was incorrect. They had the amounts incorrect and they also had the dates payments were due as incorrect. I was able to fix the amounts but they still have incorrect dates as to when payments are due and this is causing a shortage in my account and they want additional money.     I have called them numerous times and sent them documentation as to the correct dates my payments are due. I even had a conference call with them and the  XXXX  (  XXXX   XXXX  ) tax office to confirm amounts and dates due.      My county  taxes are due on  XXXX  but they have the payment date as  XX/XX/XXXX    My property taxes are due   XXXX   and they have the payment date as  XX/XX/XXXX      This really impacts my cash flow as they want the money in the account by   XX/XX/XXXX / XX/XX/XXXX   when the bills are not due until   XX/XX/XXXX / XX/XX/XXXX .  Last year they had the correct dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was tasked with short notice deployment around mid XXXX. Once it was confirmed on around the XXXX, I proceeded to call companies to get my services stopped and deferred. 

With GMFinancial, it doesn't seem like they respond at all to communications. When I contacted by phone around the XXXX, they kept me on hold or hung up the line. I managed to get hold of one on the XXXX and the representative told me to email the documents proving my deployment, after trying to figure out what I'm supposed to do. 

I attempted to do that, but their email server rejected it. 
" Your message wasn't delivered due to a permission or security issue. It may have been rejected by a moderator, the address may only accept e-mail from certain senders, or another restriction may be preventing delivery. '' I attempted to call over and over, but it's always the same thing. I've tried their emails, and the in-website service for " contact us '' 3 times.

I've been at my deployed site for 2 weeks with no response. If this keeps up, this will impact my credit because of their irresponsibility. I can not make phone calls out here either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: PayTomorrow, LLC
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I first two response were unaccetable pertianing to my complaint. as if you do simple basic math which I'm not going to do for them there has NEVER been any time where i was 60 days over due. they have half a dozen late payments posted and XXXX is the only company reporting inaccurateness from pay tomorrow. Why? Because XXXX and XXXX can clearly do math. if this is not resolved we will address the issue in small claims court and we will simply sue you for the damage you have caused as my credit is nearly a XXXX not XXXX because of your inaccurate posting. I'm being denied use of my credit because of your inaccurate posts of being over 60 days late which never happened. Ive provide my bank statements that show payments were always made as they are automatic withdrawals from my account and you use my routing number. I have never made a payment you take them yourselves. 

they have the documents already ive sent them several times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2018-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
XXXX XXXX credit card ( XXXX XXXX ). was transferred and bought by portfolio recovery associates LLC phone # XXXX- XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called 5 times within 1 min, would let it ring once then hang up and call again immediately. Even though I had just sent the minimum payment over the phone via automated service 2 hours prior to the repetitious calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, On XXXX XXXX2023 money from my Bank of America business checking account was stolen by wire transfer. 
I did not authorized the transaction. 
Amount {$3900.00}. 
I filed the claim to bank and Identity theft. 
From that time I am calling to bank, made the appointment with banker. All representative make me wait 30-40 min on the phone, transferring me forth and back and telling me that I need to wait or go to bank again because they do not have access to my account. 
Bank actually had never called me and update with the investigation process. 
I need help to get my money back.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX  in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus XXXX XXXX XXXX and Transunion ).

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 2017-05-18
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar increased my MONTHLY payment from {$1400.00} to {$1500.00} for the last 6 months although they say my YEARLY e scrow has only gone up about {$150.00}. They have no explanation for why I 've already paid  XXXX  more than last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( d ) ( 2 ) ( b ) Exclusions, to request you remove this item immediately. XXXX XXXX account number : XXXX. This account is being reported illegally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: Phoenix Financial Services LLC
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: Reporting company used your report improperly

Complaint:
Company received my information without my consent. My information was reported without my consent per HIPPA. It is against the law to release my information per HIPPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Sync/banana / inquiry 2019 I do not know this account. On the above date listed I had just had major XXXX and was incapacitated.

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 2017-09-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We are making more than the minimum payment so the loan can be paid off. I asked specifically for the extra money to be placed on the principle, but they refuse. Even though we are making extra payments every month, our next payment due date is in 2025. 
They refuse to put the extra money on the principle. 
I asked for a payoff amount and they wo n't give me one, because of the problem with the interest on money that is projected out to 2025. 
They wo n't allow me to make separate payments on the two loans. I have to pay one amount and they decide how it is allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received this mail notice on XX/XX/2020 stating that a debt collecting process was conducted and concluded that I owed {$3600.00} on an account ending in XXXX. I believed that this is a fraudulent account that I did never authorized and need to be investigated and should be resolved before getting any further. According to this letter, there has been a lawsuit filed against me on behalf of XXXX XXXX XXXX. Before any of these fraudulent action taken place, I need to get competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay 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 2022-08-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home in a short sale in XX/XX/2022 and the bank has still not filed a satisfaction/cancelled my deed of trust. It is still showing open on the register of deeds in XXXX XXXX, North Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with Marcus by Goldman Sachs, after a few weeks I tried to do withdrawal and I couldn't, after a few tries and after multiple calls to costumer service they closed my account without telling me the reason, it seems like they are entitle to not share that informations, even if its your own account. 
It's been 3 weeks since I called, and still haven't received my {$350.00} dollars that it was in my account, I've been calling every week since, and they keep telling me that they don't know how long os going to take to get my money back. 
They don't just closed my account without reason, but also they are retaining my money and not giving me any information about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
NATIONSTAR I S FAILING TO REPORT THIS ACCOUNT ON  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Hello. I have A " World Onmi open account affecting my credit big time. I sign off on this card because my ex needed a car. After we broke up I realize that payment was not being made and a few months later the car was repo. Of course it will go on my credit because is under my name but I feel like although I made the mistake to get a car loan I should not be responsible for the remainder balance of 5k+ to be  paid by me. 

Please help! 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
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: Account information incorrect

Complaint:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The borrower applied for a modification in  XXXX   2016  and was denied because " There was an irreconcilable discrepancy in the application ''. That was the only statement. The borrower had to have a law firm write a letter to learn what the discrepancies were. The borrower applied for another modification with letters of explanation for the discrepancy. The borrowers were denied in a letter with the exact same sentence, " There was an irreconcilable discrepancy in the application ''. The borrowers used this attorney to speak with the banks ' foreclosing attorney via a lengthy email chain to determine what those discrepancies were. They were the same discrepancies addressed in the letters of explanation that were submitted by this law firm to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
On XX/XX/2019 I sent a dispute letter to the CRA disputing factual error on my credit report of which it came back verified by comenity bank / XXXX, how can this be???? how can they respond to a dispute without documentation???? The FCRA requires to be 100 % accurate to report an account so how can they be accurate with no documents to check for disputed errors. I called them and one of their employee XXXX employee # XXXX say that the account is no longer with them they also send me a letter saying the same of which I will attach as well. I demand that this account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The company is discover card and they already know the problem because I reported it to them immediately the first time it happen and then it happen a second time and now they are working on my account to try to fix it as it was agreed upon. Do not know if there is something else that could or needs to be done. That is why I am writing your organization now about my discover card issues. This company keeps submitting my whole balance despite the fact it is on a Monthly agreement payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Have not been receiving statements and when When I called to pay my bill in XXXX they company managing Macys Credit Cards REFUSED to take my on time payment! I stated ai havent been receiving bills and cant access account online and was informed someone would contact me - I mailed my payment in using an old bill payment slip for XXXX ; Never received XXXX statement so I called again and they REFUSED to take payment stating I am in collections. I stated that I mailed XXXX payment in snd will mail XXXX payment and stated I requested a call over a month ago explaining what is going on and want a call back! its been 54 days and no one has called me! I have NOT received any statements for four months and no calls. I have had my Macys account for 21 years and never had any issues til Citi Credit Services took over about five years ago they do not honor 30 day credit they sporadically mail out statements and changing terms of number of days for revolving timeframe from 30 days to it is a 27 days to 33 days. 
I have nothing to upload as proof as I have received NO communications statements notices.

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 2017-04-17
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father had a reverse mortgage wit h Champion. He pa ssed away in   XXXX   XXXX  . As his executrix of the estate, I have been working with Champion Mortgage to settle the outstanding debt and have informed them of my intent to submit the deed in lieu of foreclosure. I submitted the deed in lieu form on   XXXX   XXXX   XXXX  . While the deed in lieu of foreclosure option is being pursued,  Champion  contacted an attorney and started the filing of a foreclosure claim. The attorney,  XXXX   XXXX  in  XXXX , NY served me with the foreclosure action and left the document without an envelope with the doorman of my apartment building. The attorney followed up with a  2 p age letter of the suit sent to me in an envelope, then the letter with the attachments was separately mailed in an envelope marked personal and confidential, and finally a copy was sent in an envelope to my father 's address, which was forwarded to me.Therefore, the attorney intended all along to submit the documents via an envelope. So leaving a foreclosure suit in this manner with a doorman was done blatantly to embarrass. This action was quite unnecessary. I am extremely displeased that something so personal was left without an envelope with a doorman of an apartment building. My husband is on our co-op board and this personal information could have inadvertently been viewed by other members of the board. While I am listed as a defendant in the foreclosure suit as an heir, I am not personally liable for the debt. It is very distressing knowing that I am being fully cooperative with  Champion and have stated my intent to provide the deed. Even though the complaint is not really against Champion,  I thought this matter was something that should be raised to the CFPB 's attention.

Company response to consumer: Closed with explanation