BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016, XXXX sold my mortgage to Nationstar Mortgage. In addition to the normal mortgage, I had an obligation to pay {$390.00} for the cost of an interim property insurance policy, which debt was assigned to an escrow account. In XXXX 2016, I sent an additional {$500.00} payment to Nationstar to cover the {$390.00} escrow debt, with the expectation that the excess would be applied to my mortgage. However, Nationstar applied the {$500.00} incorrectly to my loan principle, leaving the {$390.00} escrow debt ( for the insurance policy ) unpaid. When the next regular payment cycle started, my " amount due '' showed as {$390.00} greater than it should be. 
I 've tried, on XXXX separate occasions, to work with Nationstar to get the problem corrected, and they always assure me they 've fixed the problem, but every month, the situation is exactly the same. They seem to be incapable of correcting this error, nor will they refund me the misapplied {$500.00}. If I call them again, they 'll just do the same thing they have the past three times, whatever that may be, and nothing will be fixed. I have never missed a full payment. The only deviation was when I sent an additional payment to close out the escrow debt, and now I can not get them to correct their mistake. I need some help with this. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage They took over our loan in 2015. Immediately started calling and saying we were late on our payments. At this point they are reporting that we are 3 months behind but we have proof of payments. They sent us to research department, but could only contact through uploading documents. They said that their research is correct and we are late. They keep offering ( through letters ) to do a loan reset. When we actually talk to someone they deny it. They keep offering to assist us to get our loan up to date, but deny all options. They keep sending us letters of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened this ticket on XX/XX/XXXX. As of today, no resolution. 

I am out of {$2000.00} and the coins are not available on Binance.US account for me to trade or move or sell. 

This is criminal! 

I sent them also the screenshots of the purchases showing on the site with the note that I had to wait to use the coins Plus the screenshot on how it looks now : no option I can chose. Nothing I can do with the coins which show XXXX in the Assets list See attachments as proof. 

I also have the emails where they confirmed the 4 times purchases ( which was a mistake as the site gave FAILURE after each transaction except for last XXXX ) XXXX  XXXX, 2021, XXXX XXXX My transaction gave me error 4 times but the transactions went through 4 times and I only meant to do it once Hi, I sent this ticket more than a month ago. Only today I was informed that the email I sent the ticket from was wrong!! 

This is such a disservice. 

I am out of {$1500.00}!!!! 

The 3 transactions did not go through. They gave error and then, after the 4th one went through, I saw all of them going through. 

And, after all this time, I still can't do anything with these!! 


I need urgently help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
HERE ARE THE DOCS THAT WERE SENT IN 2014 THAT NATIONSTAR SAID THE DID N'T RECEIVE. THEY FAILED TO FOLLOW THE HOME OWNER BILL OF RIGHTS. THEY ALSO VIOLATED CIVIL CODE XXXX XXXX XXXX XXXX CA LENDING /SERVICING BUSINESS CIVIL CODE XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a customer of Bank of America for over 22 years. I was XXXX in an accident in 2004 when I XXXX XXXX XXXX and XXXX as well as my children 's benefits money goes directly into two of the three accounts I have with Bank of America. 

This morning without any notice or letter, I tried to use my Bank of America debit cards - I have two accounts. Neither one would work. I called bank of America and they informed me that as a business decision they decided to cancel my accounts, leaving me no access to my money or my XXXX direct deposits, and I would have to wait up to 90 days for them to give me my money. 

I have XXXX children, I need medication, they have all of my money and canceled my accounts without notice. They said it was in my account agreement from over 22 years ago!!! This should be illegal. How do I get money?????? How do I get gas. How do I get food, How do I get my medication. How do I feed my children????? Pay my bills.

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 2017-02-06
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX I submitted a modification package to Nationstar Mortgage. I was assigned to a single point of contact at Nationstar. On XX/XX/XXXX I was informed that Nationstar had received all the documents except for XXXX items which were the rental receipts for the rental property and the mortgage statement for my primary property. These items were sent to Nationstar on XX/XX/XXXX. On XX/XX/XXXX I was informed by Nationstar that they did not receive these documents and the file had been closed. The items were sent to Nationstar by email to XXXXXXXXXXXX and I received a verification email from them that it was received on that date. 

The documents were immediately sent back in and the case was reopened only to be told a week later that it had been denied because the investor who owns my loan does not do modifications for rental properties. Why did Nationstar Mortgage make me go through all the motions of sending in all my documents, asigned a single point of contact and have numerous conversations with me over that time if they were going to only end up denying the loan modification. 

The property is almost 200 % underwater with it only being worth {$520000.00} and I owe Nationstar over {$800000.00} for the property. The very fact that I still want to continue making payments to them when I will probably not have any equity in the home for years to come shows how committed I am to keeping the property and maintaining the payments. 

I was also told that investor is an anonymous entity that I can not even have the chance to appeal my case to and that is why I am turning to the Consumer Financial Protection Bureau to investigate my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: NC
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:
Have sent documentation originally in XXXX again in XXXX and update police report in XXXX. Still reporting incorrect information then starts disputes but credit bureau does not send police report but does a regular dispute. XXXX is the only one taking it serious and me as a victim still suffering from incorrect info being reported. Also they continue to lose what I sent over. After I verified they received it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a home mortgage since 1997. I have always paid extra into the escrow to insure the insurance and taxes are paid. I am in good standing. XXXX sold my morgage to NationStar. XXXX said the terms will be the same. NationStar is now charging me fees of {$75.00} to pay taxes and insurance from my escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My information was exposed during the Equifax Data Breach. Shortly after being notified of us, I noticed 5 separate accounts listed on my XXXX, XXXX and TransUnion reports which were the result of misuse of my sensitive personal information. I promptly filed an ID Theft Report ( including 3 separate police reports ) with these credit bureaus. The information was sent to XXXX using XXXX Tracking XXXX. Sent to TransUnion using XXXX tracking XXXX. And sent to XXXX via XXXX XXXX Mail XXXX ( i do not have the tracking offhand ). In my identity theft report, it stated that these accounts were the result of the misuse of my sensitive personal information. I included a copy of my birth certificate, my New York State Issued ID, XXXX Card and proof of my address. I asked for these credit bureaus to block all of the fraudulent information from my credit reports. TransUnion complied almost immediately although all of the inquiries on my report are a result of fraud which they did not remove. I followed up with a letter with TransUnion but have not heard back at this time. XXXX and XXXX removed one of the accounts but 4 of them still remain. I am filing a complaint because I do not believe that anybody should have fraudulent information appear on their credit reports. It is not fair to anyone.

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 2023-02-01
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:
I signed up for credit monitoring services with MyFico in XX/XX/2022. I noticed that XXXX and TransUnion were reporting XXXX 30 day late payments on an old credit account. I've never missed a payment on anything. It's rare that I even carry a balance on any of my credit cards. I mailed XXXX and TransUnion letters on XX/XX/2022 to ask them to correct the errors on my credit report. I did not receive a response back from either. On XX/XX/2022, I wrote a second letter to both XXXX and TransUnion requesting that the inaccurate information be removed from my credit report. I included a copy of the first letter that I mailed on XX/XX/XXXX. It is now XX/XX/2022 and the XXXX 30 day late payments are still showing on my credit report. Nothing has been done. I haven't received a response in almost 4 months. I wasn't even aware that this was hurting my credit until I applied for a project loan with XXXX XXXX and I was told the interest rate was higher bc of my credit score. I immediately searched online to see how to obtain my credit report. I also read that I should monitor my credit bc inaccurate information could be on my credit report. So I signed up with MyFico and I discovered that I am being directly affected by these XXXX inaccurate late payments. I've never had to deal with anything like this and it has caused me to pay unnecessarily higher interest rates. There's no way of actually speaking to someone via phone. Both websites just gave mailing addresses. Please help me resolve this. There seems to be no way to get these inaccurate late payments removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 want these items removed i sent a attached a police report XX/XX/XXXX for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical XXXX XXXX  Inquiry from XX/XX/XXXX + Utilities & Fuel

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inductions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Vehicle loan with chase. Car was totaled, XXXX XXXX paid loan off and loan is still open and having a huge negative impact on credit score with the wrong not updated info. Loan should of been 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 2023-01-05
Company: Experian Information Solutions Inc.
State: IL
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:
I reached out because I recognized some inquiries that I do not recognize. I reached out to the agencies to get this removed from my credit report and haven't received anything back from them. This is hurting my score and I would like this off my report please

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$640.00}

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use to have a wells Fargo checking account from XXXX. I use to be constant charged overdraft fees from the bank knowingly I had money in the account and they would constantly hit me with overdraft fees. I ended up closing the account and switching to 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 2021-10-05
Company: Data and Contact Management Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My mother passed away XX/XX/2021. I contacted all of her creditors. XXXX XXXX was insisting that they be paid and asked if she had an estate. I explained to them that she did not have an estate. As a result, they sold the debt to DCM Services , LLC. If DCM wants to collect, they can go to the cemetery where she is buried. I had the mail stopped by them, but they continue to call. I want this company to stop contacting me thinking they are going to collect off of my deceased mother. Utterly disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase makes it difficult to verify your mortgage so they can try and sell you their own overpriced mortgage. Chase asked for updated mortgage information. We submitted in early XX/XX/2020. Then they asked us again. So our agent sent them the information on or around XX/XX/XXXX. They recorded the wrong amount so I sent in the information around XX/XX/XXXX. Now I received a letter on dated XX/XX/XXXX on XX/XX/XXXX stating that the property address listed on the insurance policy is for another one of our properties. I called the number on the letter and they told me to call their Mortgage insurance division. I called and held for 1 hour and no one ever came to the phone so I called back to the original number because it said if our records are incorrect call XXXX, which I had. The person this time said hold and the next thing I know they had sent me back to the Mortgage Insurance division, where I held again for 49 minutes and 32 seconds. This seems like an easy fix, but if they are trying to scam you and make you use their overpriced insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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