BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-18
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a Bankruptcy on XX/XX/XXXX because I Lost my job, divorced, and going thru a XXXX due to a very XXXX. In the bankruptcy I redeem the house to the bank XXXX, I was waiting from XXXX to do the process to take the house back from me because I 'm unable to afford it because of my income now. I never received any letter from XXXX indicating that they sold the Loan to NationStar Mortgage. ON XX/XX/XXXX I received a loan modification papers from NationStar Mortgage offering me a loan modification in which a never agreed, signed or made any payment to accept that offer. 

On XX/XX/XXXX I check my credit report and I discovered that NatiionStar Mortgage reported in my credit report that I was in a partial or modified payment agreement, 180 day past due, and 360 month mortgage in which in the modification paper said XXXX ( XXXX Years ). It is to many discrepancies on the information reported to my credit report, which I need to know what they doing. I have papers that proof everything this letter said, I do n't know what to do, I did a bankruptcy believing that it was going to be a new start and now the past is coming back to me. I thank you in advance for any help you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My school loans have been forgiven to due fraudulent actions and eventual school closure by XXXX XXXX. I had private loans serviced by Navient that I paid off in full but feel there is legal precendent to have these funds refunded. Navient has failed to provide proper insight or willingness to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX sold a remaining balance to a collections company for months after they had already cancelled my policy

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or misleading advertising or marketing

Complaint:
I bought a tool called XXXX XXXX XXXX, where this tool promised to manipulate XXXX and position your videos in the first positions of XXXX. 

I made the payment of {$97.00} in this tool and used it for two days, and the tool did not do the results it promised, it still caused me harmful damage to my XXXX  channel. 

I went to ask for the money back by paypal, I still lost the dispute and the seller, laughed my face and canceled the remaining 22 days that I had paid. 

Then you can see that it's a seller that we can not trust. 

Stay alert with XXXX from XXXX XXXX, he does not deliver on what he promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: FIRST CITIZENS BANCSHARES, INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX XXXX XXXX  I applied to a CIT Savings account. I received an error while submitting my application ( see attached ). I called customer service and reached a representative named XXXX. She advised me to mail a message to the XXXX office requesting needed information to continue my application. I mailed the letter the following day ( see attached ). 

Over three months later, I have not received clarification or a response from the bank as to why I could not open a savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage Servicer is Nationstar mortgage. They have Notified me that they are Raising the rate on my mortgage and Increasing my payment almost {$200.00} per month. When I advised Nationstar that they had no authority to do this they claimed that they were the final decision makers on the terms and conditions of my mortgage. I asked Nationstar to give me the name of the person or company that Holds the Deed and Title to my property and to provide documentation from the Deed - Title Holder that Nationastar has an agreement to collect money and change the terms of the loan. Nationstar Mortgage Refused. I have no idea why Nationstar Mortgage is Refusing to provide information to the Homeowner despite multiple requests

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: NATIONSTAR MORTGAGE LLC
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We took out a construction loan to remodel our home back in XXXX of 2016. And through that process we paid off our loan with Nationstar Mortgage. It has been over a year and we have yet to receive the release documents for that loan, which by law are to be issued within 90 days of the lender having received the funds. We are now trying to obtain permanent financing and running into a delay due to the release documents not being issued and recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: KEYCORP
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
There were fraudulent charges on my debit card XX/XX/2020, I disputed them with my bank. But Key Bank tried to blame my boyfriend, when I found out the truth they were not interested. They weren't interested in investigating the people who did this, neither were the police. I want them prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind in my mortgage payments and was contacted last XXXX by a credit associate with my mortgage company. She assisted me in beginning the modification program. Once I began the process, my associate was changed. I have now submitted the modification paperwork no less than 6 ( six ) times since XXXX, and each time there is a reason why the modification can not be completed. The most recent time I submitted the documents, I double and triple checked the paperwork to be sure that it was accurate, complete, and signed in black. It was. Once I contacted the mortgage company ( my rep does not follow-up on her accounts ) this morning, I was informed that the paperwork was missing the Compliance Agreement page. I vehemently disagreed and asked to speak to the manager. The manager was also unable to verbalize a resolution that was acceptable, and said that he would contact me Monday, as the Modification department did not work weekends. 
Once I was able to review the copies that I had made of the documents that I sent to the mortgage company, I realized that either someone in the scanning department deliberately left a page out, or whoever received the document discarded or 'lost ' the Compliance Agreement ' page. This process has been going on for seven months. I think the mortgage company wants me to not complete modification and to leave my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2019-07-13
Company: Trident Asset Management, L.L.C.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX, XXXX has purchased a debt that does not belong to me from XXXX XXXX   XXXX XXXX.I have already notified XXXX XXXX XXXX XXXX that this account does not belong to me. In addition, I asked XXXX  to provide me with the original contract and full accounting for the amount claimed to be owed. However, XXXX informed me that the requested documents do not exist and that the account has been sold to XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) but they are failed to respond in my complaint. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
This is the 2nd complaint about the credit bureau I am having hard time with experian report there's a free things reporting to the credit bureau and they refuse to remove it the only thing should be in m y credit report should b e my loan for my car payment XXXX XXXX co l Account # XXXX Address is XXXX XXXX XXXX XXXX, fl XXXX -- -- - this is not my account i never open a XXXX account please i asked them for proove nover was sent to me its been 60days. 

XXXX XXXX XXXX XXXX Account XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone # XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Amount {$760.00} XXXX XXXX was deleted from XXXX  & XXXX which i sent a copy of the letter i received from the company XXXX XXXX Experian still not removing this from my account XXXX XXXX XXXX XXXX the all one company different name i recieved letter from them account was delete but the credit bureau never remove them.

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 2019-07-13
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Student loan is my son 's responsibility. His late payments have affected my credit score. Navient continues to harass me. They ask personal questions ( they do not have the right to know certain information ). 

I have given them my son 's contact information. I do not want them calling me at all times of the day. 

Navient has had access to my credit scores and have lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
in XX/XX/XXXX I am attracted by work downtime calamities, going through a financial downturn in XX/XX/XXXX I request a request for forgiveness so as not to pay for the coming months 2 months I speak with the bank regions which the operator tells me that if I qualify for forgiveness and sent via email with the form, which was sent by me and I had no contact with them through email, I continue to send my monthly payments and in XX/XX/XXXX I find out the receipts that appear 2 months to pay which I hear that the letter of forgiveness was incomplete because the reason was not included in writing within the application, Now it appears to me reported in my credit record the 6 months as if I were trapped 30 days for each month ... that totally lowered my score which I am requesting a line of credit and I find out that all those months affected me totally having fulfilled their requests I need that please take into account the documents that demonstrate the fulfillment It is not good for me to report because of a communication error and not lack of payment or request from my partner.

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 2018-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I went into the XXXX Chase branch on XX/XX/18. I ordered a new atm card as I lost mine. The banker gave me a temporary card, which can not be used except at the atm machines The banker never sent my new atm card until XX/XX/18, per XXXX in XXXX, AZ ; I spoke to him at XXXX today, XX/XX/18, and told me that the previous banker, should have sent the card earlier. 

This really is a problem as I can not pay my bills and have been threatened with cancellation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: SCA Collections, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection agency is charging me over {$400.00} for a medical bill. The amount is wrong, and the notes according to the person I spoke with said they contacted my insurance company on two occasions to collect their portion of the payment but insurance company did not reply. Im sorry but just because the insurance company did not pay their part does not mean I am responsible for their part.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DPT EDXXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} , DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}.

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 2017-03-04
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I are the only borrowers on the mortgage loan associated with XXXX XXXX XXXX XXXX, XXXX, PA. We received several notifications today, XX/XX/XXXX that a new item has been reported on our credit. When he went into XXXX XXXX to find out what the new item was he found out the Nationstar Mortgage had tagged our home loan with a XX/XX/XXXX Bankruptcy filing from his parents who do not own, have never owned or been associated with the mortgage on the above property. Our credit scores immediately plunged about XXXX plus points with the derogatory remark as it is called. When he called the mortgage company they were told by Nationstar that the bankruptcy was for XXXX and XXXX. They live with us because they are XXXX however, they are not on the mortgage and have never been associated with the mortgage of this property. Based on that one negligent move by Nationstar we have had to do everything to notify the various credit agencies and CFPB because in one unjustified key stroke they devastated our credit that we have worked extremely hard to get back. This is the second time that Nationstar has done this to us and they do not have any repercussions we the borrowers end up enduring all the burden in making sure that everything is corrected and our credit restored to the way it was previous to this negligent act. Nationstar mortgage needs to have better practices and people in place to perform their duties. I want them to be held accountable for everything that they did and to make sure that everything and every credit bureau is notified of the wrong doing and that this needs to be removed and everything restored to the way it was prior to their negligent act. I am also going to notify each of the credit agencies however, I would like something in writing from Nationstar accepting responsibility for this wrong doing and requesting that all credit reporting agencies remove that derrogatory remark that was added on XXXX and restore our credit to the way it was before the remark was added. Please feel free to contact me at home XXXX or on my cell phone at XXXX. Thank you and have a nice day. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity theft and fraudulent accounts has been open in my name without my authorization. I requested XXXX XXXX, Transunion to remove them but they didnt and its going over 75 days with no information saying if they took it off or not. The company name is 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 explanation