BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We originally started our Mortgage with XXXX  XXXX XXXX in XX/XX/XXXX. I paid them my mortgage and had no escrow account. XXXX  XXXX XXXX sold my mortgage to Nation Star in .XX/XX/XXXX We did a loan modification with Nation Star in XX/XX/XXXX. Upon doing this we were required to have a escrow account. At that time of modification I already paid our XX/XX/XXXX Taxes and insurance and Nation Star dismissed my complaints and required payment to escrow. As time went on The amount paid to escrow since XX/XX/XXXX was way over the amount of my taxes and insurance.I continued to complain and nothing resolved. Nation Star is now called Mr. Cooper. Mr. Cooper has also continued to over charge me in escrow. I am due a refund.at this time I am looking to refi to get away from Mr.Cooper .I believe I am being over charged monthly About {$100.00} each month. This has been going on since XX/XX/XXXX. Can you assist me.thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
FILED A COMPLAINT WITH CITIZENS BANK OFFICE OF THE CHAIRMAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX R.I.XXXX # XXXX. 
RECD A REPLY ON XX/XX/2020 FROM XXXX XXXX XXXX THEY REPLIED ALL OFFERS REC.D AT MY ADDRESS WOULD BE HONORED BECAUSE THEY HAD NO EXPIRATION DATES. 
WHEN I TRIED TO REDEEM MY LAST OFFER I CALLED XXXX SEVERAL TIMES WITH NO RESPONSE. WHEN TO THE LOCAL BRANCH AND SPOKE WITH XXXX XXXX AT XXXX XXXX XXXX MA XXXX XXXX. HE OPENED THE CASE AND I HAVE HEARD NOTHING SINCE. XX/XX/XXXX. WHY HAVE THEY REFUSE THEIR COMMITMENT. 
XXXX NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender approved this clients file for a streamline modification and only provided this information to the clients XXXX XXXX - the client nor our office was made award of any approvals - the lender took it upon themselves to only provide this info to the XXXX XXXX - The lender refuses to speak to our office even with the XXXX XXXX letter that has been provided giving us consent to speak on the clients behalf - The lender also has out TPA and still refuses to speak with us - the client was approved a few weeks ago and got a denial letter from the lender due to the XXXX XXXX not accepting the terms of the approval - No only with this NOT his decision to make, but the client XXXX and XXXX XXXX were NEVER made aware of the approval or terms to accept or deny the modification. We feel the lender is not handling this file as it should be to assist the client in the best way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern : Last year I obtained a home mortgage through XXXX which was financed by Bank of America. I qualified for the XXXX no down payment, no closing cost home loan. 
I closed on my home on XX/XX/XXXX. XXXX XXXX handled the closing for Bank of America and XXXX. Because of the XXXX program requirements I was not able to choose my own title company and had to use XXXX XXXX. 
On XX/XX/XXXX when I attempted to make my normal mortgage payment of {$1400.00}, I noticed online my payment went up to {$1600.00}. When I called Bank of America they told my escrow account was short. I immediately reached out to my real estate agent and asked her to review my documents to see if this was correct as I am a single father of XXXX and the increased payment is causing a hardship on my family. 
My real estate agent reached out to XXXX XXXX, they advised they did not collect enough escrow at closing ; however, upon further review by my agents title company it came to light that XXXX XXXX never escrowed for School Taxes. They only collected escrow for property taxes. When we reached out to the School Taxing authority for XXXX township they told us the School Tax bill was available in XXXX of XXXX. 
When my agent reviewed my escrow analysis she noticed after I closed on my home on XX/XX/XXXX, Bank of America disbursed {$3700.00} in school taxes in XX/XX/XXXX. At that point my escrow account when short but Bank of America did not notify me until XX/XX/XXXX. 
I find this despicable and abusive on Bank of America, XXXX, and XXXX XXXX. No one is trying to fix this mistake. I called Bank of America to file a complaint but they closed it out without resolving, then they told me to write a letter!? 
When my agent told XXXX XXXX they needed to correct this, they told her via email it was the Lenders fault for not escrowing. We have all of the communication in writing. 
This is causing an extreme financial hardship and I have no where else to turn.

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 2022-10-10
Company: Experian Information Solutions 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received my confirmation on how you verified the alleged accounts in Exhibit C and therefore request that you consider this final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of me trying to rectify the subterfuge you are reporting. ****(copied from the affidavit attached)*****

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 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received my confirmation on how you verified the alleged accounts in Exhibit C and therefore request that you consider this final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of me trying to rectify the subterfuge you are reporting. ****(copied from the affidavit attached)*****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019 I requested to have a few items that you are listing on my report as accounts related to my social security number verified. You claim that they were verified. I sent a second and third request to have all the items verified that you are posting. 
You claim that you verified these items listed : XXXX XXXX XXXX : account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : account number XXXX. I have contacted the companies listed and one states that they can not verify that the account as mines and have submitted a request to have the item removed. The other submitted documents that I have never seen before and were incomplete. Under the guidelines of the FCRA you are in violation. 
Please verify all the items you are posting on my credit profile as it is required under federal law as I do not have any record of such accounts and would appear to be a victim of Identity theft. 

Best regards, Mr XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on the DPEDXXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Bankruptcy is showing on my credit report which is a violation of my privacy and I would like it to be removed from the 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 2021-08-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was going through a divorce while living overseas and was unable to submit the forbearance/deferment application on time and reported as 90 days late. I provided information about my divorce decree with no charge. Navient has also been charging me interest on my student loan when there has an Executive Order issued to suspend interest on student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a debit card that I did not apply for US Bank reliacard

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 2020-07-17
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX told them to stop calling XX/XX/XXXX, XXXX, XXXX, & XXXX received calls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX our area was significantly impacted by Hurricane Irma and declared by FEMA as eligible for individual assistance. My home mortgage is owned by XXXX XXXX and serviced by Bank of America. The assistance program is established for federally backed loans to provide relief from Hurricanes Harvey and Irma. 

An overview of this program is included for your convenience. Available at https : //www.fhfa.gov/XXXX The effect of the storm has caused significant and immediate loss of income and moderate damage to our primary property/residence XX/XX/XXXX. I made my initial request for Forbearance to Bank of America. They stated that they would forebear the loan until XX/XX/XXXX with a credit hold. They then explained to me that I would have to repay the entire amount of the past three months and the month of XX/XX/XXXX. I explained that this was incorrect and did not follow the program. 
XX/XX/XXXX I called BofA mortgage assistance program and talked with XXXX XXXX who then transferred me to XXXX XXXX. During these discussions, I explained that Bank of America forbearance program does not meet the federal guidelines. They again explained to me that they would forebear the loan for 90 days and at that time I would be responsible for repaying the entire back amount and the monthly payment in XX/XX/XXXX. They also explained that the credit hold would take place during the forbearance but then the credit hold would be removed and the loan would report to the credit bureau. In essence, they are going to increase the balance due on the note for 90 days and then make it all due. They are then going to report to the credit bureau that I have an unpaid balance that is past due. 
I explained the federal guidelines published by the XXXX XXXX I clearly stated to the representative that Bank of America is not following the Federal guideline. 

I am requesting 6 months forbearance without having to repay the mortgage all at once at the end of the 6 months as per the federal guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX & XX/XX/2022, parts were ordered from XXXX which were NEVER RECEIVED by me, the consumer/credit card member. I reported this to the merchant who issued consequently issued RMAs. However, after merchants customer service confirmed shipping address with me, they rescinded the RMAs because they claimed my credit card found my dispute in their favor and DISCOVER forced me to pay for something I DID NOT RECEIVE even after producing a police report # XXXX. I complained several times to the Discover Executive Offices since they claim to be the consumers advocates but that was just to deceive the since they advocated for the merchant. Even XXXX, XXXX XXXX XXXX XXXX adopted dispute policies where the merchant being the shipper of merchandise purchased MUST PRODUCE SIGNED CONFIRMATION OF DELIVERY whereas DISCOVER will accept only tracking information. Discover REFUSED to acknowledge police report filed by the Consumer/Cardmember but accepted the merchants vague policies and only tracking information of delivery even though items were NEVER RECEIVED. I also disputed these charges by CERTIFIED MAIL to their BILLING DEPARTMENT as instructed by CONSUMERs BILLING DISPUTE protocol but was told both by mail and phone calls to the Billing Department & Executive Offices they WILL NOT redress nor will they amend this billing error and do the chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Just tried to open an online savings account with XXXX ( XXXX ) XXXX ; my application was rejected based on my " frozen '' credit info at XXXX and Trans-Union. XXXX and Trans-Union are both full of XXXX -- I permanently unfroze my credit at all 3 credit agencies in XX/XX/2019 after a long, drawn-out verification process imposed by 2 of the 3 agencies, and unfrozen credit was confirmed by my mortgage lender in early XX/XX/2019. 

I have NOT requested my credit be frozen since it was unfrozen in Spring, 2019. XXXX XXXX  insists that XXXX   and TransUnion reports show that my credit is still frozen, and that they are powerless to change anything supplied by those two credit bureaus. 

I am requesting that 1 ) my credit be unfrozen permanently, and 2 ) that my name, credit info, and all material information relating to my identity be removed completely and entirely from Trans-Union and XXXX XXXX databases and that I never have my otherwise happy, productive and credit-free life interfered with again by them or their interests. Thank you, God. Amen.

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 2023-06-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent my dispute letter 30 days ago. They have it removed or responded to my letter since. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally and physically continuously.

Company response to consumer: Closed with explanation