BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On my credit report, my address should indicate XXXX XXXX XXXX, XXXX, Ga XXXX. 

I also have inquired that should have been soft inquires not hard inquires. 

Also, I need my payment information update more often since I am in the hiring process for a federal position that relies heavily on 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 explanation
Consumer complaint received 2016-03-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am contacting you on behalf od my XXXX year old mother. I just found out this this week she has been threatened with foreclosure under Nationstar ( XXXX, XXXX. ) She was behind and tried to send a check/funds to catch up but was refused. They would not work with her. They immediately began proceedings. She did not have any problems when with XXXX XXXX XXXX. Her property is in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
It has been 6 weeks, and I am still waiting for any answers and reimbursement for fraudulent checks that were cashed using my checking account at Citizen 's Bank. 

I believe I should have at least received a full interim credit ( provisional credit ) within 5 days of my claim, pending the outcome. I did not. I believe this is in violation with banking laws. I also believe the bank is in violation of the Fair Collection Practice, as collection practices are illegal while there is an open claim. 

Here is a full account of what happened. Documentation is also provided. 

A fraudulent check was cashed XX/XX/19 using my checking about information. This brought my account to {$0.00}. I immediately filed Claim # 1 to report fraud and closed the account to prevent it from happening again. A week later on XX/XX/19, another fraudulent check was cashed using the SAME bank account that was supposedly closed, bringing my account now negative hundreds of $ $ . I  immediately filed Claim # 2 to report the fraud and ask how this was possible even though the account had been closed? The banks repression was that the account had not yet been purged from the system, and they would put it in a credit only status on it to prevent it from happening again. Why had the account not been put in credit only status to begin with? I was told that Claim # 1 and Claim # 2 would be addressed within 6-8 weeks. 4 weeks later, I received an affidavit in the mail to sign. I thought this was part of the process, so I signed the paperwork and mailed back immediately. 6 weeks from XX/XX/19, I called to check the status of the claims, and they said they had just received my affidavits and would begin working on the process. After 6 WEEKS. In the meantime, my account was hundreds of $ $ $ in negatives. In the meantime, I received an alert that a deposit had been made into my checking account. I thought this was the reimbursement, but quickly found out that the money in my savings account had been moved into my checking account to correct the overdrafted negative balance of the checking account! I called the bank, where I was referred to the Collections Department. They apologized for the mistake, saying that the Fraud Department had not communicated my claims to them. I asked them to correct the problem immediately, because I now had NO money at all left in either my checking OR saving accounts now. They said the best they could do was 48 hours. I waited and my money was returned the next day. However, there was no excuse for this, especially after my original hardships. This is illegal according to the Fair Collection Practice. 

At 6 weeks, I am still waiting to reimbursed for the fraud with no updates from the bank. This has caused me and my family extreme financial and emotional hardship. I am considering filing a lawsuit against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother passed away in XXXX XXXX, and had a will and a revocable family trust ( the house is part of the trust. ) Champion said I had one year to pay off the reverse mortgage. I submitted all requested documents by the first deadline of XXXX XXXX. I was pursuing financing documents for the next deadline of XXXX XXXX. On XXXX XXXX, I faxed Champion my funding letter. On XXXX XXXX, I received a letter stating I was in foreclosure. On XXXX XXXX, I received a letter stating I was in default. I thought default came before foreclosure? On XXXX XXXX, XXXX I came home to a Notice of Trustee 's Sale for XXXX XXXX taped to my front door. My next deadline with Champion is XXXX XXXX. HOW CAN THEY SELL MY HOUSE BEFORE THE " ONE YEAR FROM MY MOTHER 'S DEATH '' PROMISE??? Ca n't I sue them for breach of contract? My father built this house in XX/XX/XXXX, and my mother left this house to me in her will. I want to contest the matter in court. THIS IS A SERIOUS CRY FOR HELP HERE! I am XXXX, my husband is XXXX, and my family of XXXX has no where else to go. I ca n't afford an attorney, and the free legal aid in my rural area said they wo n't touch the case ... too complicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Enhanced Recovery trying to pay off a debt. I received a email with a settlement amount. I purchased a money order for the amount I was told to make it for. I was told by the Agent to send it immediately so it could be there by XX/XX/XXXX. I did as I was instructed. The following week I called and was told by XXXX XXXX that my Money Order was denied for " Insufficient Funds ''. He said it was mailed back to me but he didnt know when. I've never recieved the Money Order back. I contacted XXXX XXXX and they said it was cashed on XX/XX/XXXX. My money order is cashed and the debt is still on my credit report. I made a copy of the Money order before I sent it. I also read the reviews about this company, and it seems they have done this to ALOT of people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
closed on VA loan XX/XX/XXXX. used mortgagelendersofamerica. XXXX XXXX was MLA agent. XXXX assured me MLA could process the loan without Wells Fargo ultimately having my loan. I was very clear I did not want any association with WF. My loan is with WF.??

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 2022-01-28
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is for the timeshare company XXXX. I've previously disputed account XXXX XXXX and was deleted from my credit reports from all 3 credit bureaus ( XXXX, XXXX & XXXX ) . However, a new item appeared in my credit report with the same account number XXXX but under a different account name " CCB/XXXX  '' and is reporting negative under XXXX only XXXX This is the same account from CCB which stands for " Comenity XXXX XXXX ''. I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down due to this as well. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I sent my boyfriend ( XXXX XXXX ) {$170.00} via XXXX. That same week Wells Fargo had multiple system issues and it really didn't effect me. I had a deposit that took a while to show and that was it. Well on Sunday XX/XX/XXXX I woke up to my account being Negative because Wells Fargo system showed I did another transfer through XXXX  to my boyfriend for the same amount {$170.00}. I called him and told him NOT to touch the funds when he got them. He advised he never did. So the system duplicated my transaction. 

I called Wells Fargo and I put in a claim to get it resolved. claim # XXXX. By that Wednesday seems the system fixed itself and the funds were back correctly and had not been sent again. I assumed the claim rep would see that and close the claim. 

Well on XX/XX/XXXX I noticed they put a temporary amount of {$170.00} in my account to cover the issue. I called THAT day to advise the bank the issue had resolved itself and they could take the {$170.00} back from my account that they gave me. I ask that they please close the claim as it was no longer needed. 

Well by Wednesday XX/XX/XXXX my boyfriend wakes up to his account being Negative {$170.00}. Saying that I had a claim and the funds were being refunded to me. TO this day his account is still negative and I have yet to get the XXXX.. 

However, My issue is that I called the bank advised them they processed the claim incorrectly. That I NEVER asked for the funds to be returned. MY CLAIM was put in for the duplicate transaction that NEVER took place. XXXX XXXX is telling me it could be 90 days yet the XXXX says its been refunding me the money since last week. Wells Fargo wont fix their mistake and it has now caused my boyfriend NUMEROUS dollars in fees with his bank. I've done my due diligence and I just want the funds put back in his account and any fees he's incurred to be reimbursed. XXXX  only communicates via email and that is so horrible. Ill NEVER EVER use the service again but I need someone to please help me. My boyfriend had XXXX in XXXX and is not working. He cant afford these fees and If not resolved IM OUT OF {$170.00} due to a system issue. 
Had they refunded last Friday as the app said I would've just sent it back to him. PLEASE PLEASE HELP ME GET THIS RESOLVED!!!!!!!!!!

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 2023-01-11
Company: Rausch Sturm LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ask the company for specific paperwork to send me and didn't receive. 
Violated my rights

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 2018-04-26
Company: RoundPoint Mortgage Servicing LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had an FHA mortgage with Roundpoint Mortgage Servicing Corporation ( RMSC ) and I refinanced with another lender on XX/XX/XXXX. The payoff sent to RMSC was short. I was never contacted to say my loan was not paid off. I found out in XXXX when I looked at my online account. After 13 phone calls, I could not get an answer as to how to resolved the problem. On XX/XX/XXXX, with the help of my new lender calling several times as well as myself, I was able to get a breakdown on a spreadsheet of how my payoff funds were applied and the shortage amount from the XX/XX/XXXX closing. I contacted RMSC several times to ask how to send the shortage amount. On XX/XX/XXXX I spoke to customer service. They took my shortage amount payment over the phone using a debit card and said I would receive a letter stating my loan was now paid off along with an apology because of the " back and forth for so many months. '' Those documents never arrived. I checked my online account on XX/XX/XXXX and found the money they collected over the phone was labeled as suspense/unapplied funds. When I called, I was told I needed to pay more to settle the account because the " payoff '' had increased since XX/XX/XXXX. I was also told that their cashiering department did not know how to apply the original shortage amount I paid on XX/XX/XXXX. RMSC is still making escrow disbursements even though I notified them of the situation and spoke to them several times since XX/XX/XXXX. I got their Consumer Ombudsman involved however she was not able to help me reach a resolution. I have also been reported late to the credit bureaus by RMSC for the last two months because they are saying that I haven't paid my regular payment due XX/XX/XXXX and I'm now reported as late 60+ days. I was told by several reps that my account would not be reported late because it was " on hold '' or " frozen ''. I have since been declined a vehicle loan because of this specific negative credit account and my score has decreased 53 points since XX/XX/XXXX. RMSC has the shortage money but they will not apply it to my payoff and close this matter after nearly 5 months and over 20 phone calls and 30 emails. I have also filed a complaint with my state 's attorney general 's office and asked for assistance from a HUD Counselor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I opened a new auto loan through Fifth Third Bank on XX/XX/XXXX through my dealer. There were several times that Fifth Third Bank lost my payments. I would call because I would get a late notice and it was very difficult to reach customer service to get it resolved or to make the payment over the phone. I also tried to set up auto payments so that I would not have the issue of the payments getting lost and that was also difficult to have a representative help me. I eventually refinanced the loan at a different bank. When my bank sent the payoff to Fifth Third Bank the payment was again not applied right away and the lien card was not sent to my financial institution in a timely manor. I have suffered a 30 day late on my credit because of it and it is costing me higher rates on other loans. I closed the loan on XX/XX/XXXX. This is unfair lending because it is costing me higher rates and lending for a service that they did not provide in a timely manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a reply to our complaint XXXX. They say we do not qualify for anything. Which I do n't understand. The state of Maine requires the mortgage co to allow us to have mediation first. They did not finish our mediation. There must be something they can do. At one point they locked us out of our home. It took them a week to go and take the lock off the door. We had to turn around after work and drive back to mass and stay with my father. No clothes nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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 information incorrect

Complaint:
The two accounts below are paid off. 

XXXX XXXX Last reported XX/XX/2019 {$2400.00} XXXX XXXX Last reported XX/XX/2019 {$890.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital one is displaying late payments on my credit report. I never paid late. I am a mother of XXXX kids with a XXXX XXXX XXXX this is affecting my credit very badly and preventing me to give my kids the life they deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX, I was alerted that someone had stolen my identity. 
Upon checking my credit report, I noticed that CITI Bank was one of the institutions that the fraudsters had used to open up accounts. 

While other companies were helpful, Citi Bank has not. Just a couple weeks ago I was notified that a new account was opened via XXXX XXXX, and when I called to cancel and claim fraud, they told me that team was out and I needed to call back on Monday. And then on Monday, they told me that an account was never opened. 

Then again today, XX/XX/XXXX. I was alerted that a " PII '' was opened. The fraud department could not verify this ( which makes no sense ) so then they transferred me to the loan department. The loan department asked me for my security questions. I told them I do not have an account there so those are not my security questions and I need to cancel whatever account that is in which I was told " we could not continue without the security questions. '' I asked how that made sense and he said that no one could help me unless I got the security questions. I was then told to " stop talking '' because I asked what my next steps where. 

At this point, I can not confirm what kind of account was open or what it is since CitiBank continues to let fraudsters open up accounts under my name and won't let any accounts be closed.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

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 2021-05-04
Company: EQUIFAX, INC.
State: MN
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:
Sent bureau a letter to dispute inaccurate accounts XX/XX/XXXX Sent a verification letter XX/XX/XXXX Sent a no response letter XX/XX/XXXX Sent a letter stating that I was going to file a complaint XX/XX/XXXX I never received a response from any of my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/2019.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
my credit report doesn't have my current employer it back dated 2010 my Last employer was 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 2020-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I see multiple XXXX XXXX late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation