BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I would like to thank you in advance for expediting any assistance you can render as the property of which I am writing is scheduled for Foreclosure sale on XXXX XXXX, XXXX. Suffice it to say -- - I am in dire need of assistance. 
As mentioned, my name is XXXX XXXX. In XXXX my mother, XXXX XXXX, who is near XXXX years of age took out a reverse loan on her property - XXXX XXXX XXXX XXXX XXXX, MD XXXX. Unfortunately, she did not pay the taxes and her home was purchased in a tax sale by Champion Mortgage. When Champion Mortgage could not get their money for the taxes they went to court and had my name added to the loan. Thereby making me liable.The property is scheduled to Foreclose on XXXX XXXX. It was recommended that my mother file bankruptcy to stop the foreclosure. What else can we do? I am very troubled by all this as I do not want to file bankruptcy, In fact, I do not believe my name should be on the loan. Please help. My Real Estate Agent - XXXX XXXX at XXXX My mother - XXXX XXXX - XXXX and my number XXXX -- Please leave a message and I 'll call you back immediately. I am working and would have to find somewhere to talk in private.

Company response to consumer: Closed
Consumer complaint received 2019-11-04
Company: Experian Information Solutions 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2016-06-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a 5 year ARM home loan, the loan matured to my knowledge XXXX XXXX, my rate and payment are suppose to remain the same for the remainder of my loan. I was told I had a five year increase beginning XXXX XXXX and finishing XXXX XXXX. My payment as been the same since XX/XX/XXXX, now for no reason they are trying to change, increase, the payment, this is very unclear to me because I was told that this would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed these accounts and inquiries XXXX for 6 months Late accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries are unverifiable and unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I purchased a 2nd mortgage on a property. At that time I obtained a mortgage payoff statement on the 1st mortgage from OCWEN, who services the 1st mortgage. The report shows {$340000.00} due as of XX/XX/XXXX. We also have a payoff statement on the 1st mortgage from XX/XX/XXXX which shows {$350000.00} due. 

I then spent tens of thousands of dollars foreclosing on our defaulted 2nd mortgage, paying OCWEN the monthly payment on the 1st mortgage, taking possession of the house, and listing the house for sale. Now the house is in escrow and OCWEN is quoting {$590000.00} for the payoff. I called XXXX XXXX in OCWEN 's escalation 's department on XX/XX/XXXX and she would not provide any explanation for the discrepancy. She suggested I submit the deed showing I own the house so I can get authorized on the account, which I did. It is now over a month later and OCWEN has not provided any explanation for the discrepancy or authorization to me. I have called XXXX back a few times and have also called XXXX XXXX, in OCWEN 's office of the Consumer Ombudsman and they never return calls. 

OCWEN is causing me to lose thousands of dollars by holding up this escrow and they are not honoring their previous payoff quotes while we are trying to pay off their loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collection company CBE Group has been attempting to collect on a debt that is not owed by me. While I have received proof that the debt is real, it was opened by another individual with the same first, middle and last name as myself and I am in no way responsible for this debt. I have made the CBE Group aware of this via multiple letters, the most recent on XX/XX/XXXX, and they have refused to provide any evidence that it was myself, and not this other individual, who opened the account yet continue to claim I owe this debt. I have only received copies of XXXX billing statements listing the other individual 's name and home address, with continued demands that I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank recently initiated rules barring its business customers from certain legal XXXX sale activity. This is a non-government entity, saved from disaster by taxpayer dollars, acting as a law-making body and thereby violating the U.S. Constitution. 

As a XXXX member, I have a Citibank credit card. My choices are to cancel my XXXX membership or continue to do business with a company that seeks to restrict 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 2022-11-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Thus us addendum to complaints : XXXX XXXX Both made on XX/XX/XXXX I was also told by XXXX that worked for Carrington. They have been holding my money but not applying it to my account since XX/XX/XXXX, letting unnecessary interest to accrue. Thus is a cruel and unethical banking prank to try to take someones house. My mortgage is current. I have paid XXXX payments, the proof has been submitted. Why they are just holding tge money in the back as she stated I dont know. People should me made aware of this unethical practice of this company. That money ( payments ) they are holding should be applied to my account immediately, without that accrued interest added. This is just an awful practice to prey on people. 
Unethical practices must be stopped, God sees it all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX opened a credit card with Discover in my name without my authorization or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, 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 submitting my complaint about corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct this late/open account immediately. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Please change the status to Paid or simply " correct '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$440.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; UTILITY SELF-REPORTED XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-03-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a letter dated XX/XX/XXXX, signed by Mr. XXXX XXXX, Wells Fargo Merchant Services, Executive Office, stating that my merchants account ( ending in XXXX ) was cancelled ( see attached ). His response was relating to former CFPB complaint number XXXX filed by me earlier in XX/XX/XXXX. Since then I have received multiple emails suggesting that my merchant account is still open with the latest dated XX/XX/XXXX ( see 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 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Last reported : XX/XX/2019 {$13000.00} THIS ACCOUNT WAS PAID IN FULL TO A XXXX BALANCE.

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 2016-07-01
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In May 2016 I changed insurance companies from XXXX to XXXX XXXX. My XXXX annual rate was {$4700.00} and my escrow payment for insurance was {$390.00} per month. When my renewal I had paid {$390.00} for 12 months prior and had enough money to cover payment for my annual renewal. I did not have a escrow shortage at that time. I found insurance cheaper with XXXX XXXX and my annual premium decreased to {$1300.00}. I am aware my escrow payment should be for insurance now {$110.00} per month. That is a saving for me {$280.00}. My mortgage payment should have decreased and the amount of escrow payment should have decreased too. I contacted my mortgage loan servicing company and faxed them proof of my new insurance and amount. I also paid XXXX XXXX in full entire premium {$1300.00} for one year. My mortgage company did and escrow analysis and told me I had a shortage in my escrow in the amount less the {$1300.00}. I contacted my mortgage company customer service department insurance dept and was informed that the escrow department was not notified that my premium had change. And was told that they were not going to inform escrow. Well if they do n't inform escrow then that was why I was getting a statement that I had a shortage. The Nationstar Mortgage is overcharging me and I do not have a escrow shortage. I am aware that the amount the lender is required to hold in escrow is only 2 months in reserves not 12 months in reserves. Nationstar will not adjust my escrow and mortgage payment and is in violation of the Respa servicing escrow regulations. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech did not address my complaint.

- Ditech did not accommodate the mandatory hurricane relief for victims of Hurricane Irma, even upon my phone request.

Complaint ID XXXX - Ditech made an unprecedented payment on my behalf, without my authorization or request, to an insurance company and has not refunded the payment and is charging interest on the payment account.

- Ditech sent loan modification documentation offering 3 options to which I was supposed to apply if interested. On 3 occasions I called and stated I was not interested, and had even expressed I did not want the modification prior to them sending me the information, and they enrolled me in the new program anyway, and have not settled the extra expenses I incurred due to their negligence.

- Ditech did not apply the payments I made to my account, and instead has held funds while allowing interest and fees to accumulate on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For more than 2 months this company has been calling about and placed Collection notices in my credit report for private student loans from XXXX XXXX XXXX XXXX. These loans are past the statute of limitations in Florida as they are more than six years old. 

Furthermore, I am a XXXX XXXX  XXXX veteran adjudicated since XX/XX/2013. I have had legal representation on all debt since XX/XX/2013 and XXXX XXXX XXXX was notified of my XXXX and legal representation. It is a violation of the FCRA for these calls to have happened at all given my legal representation. 

Additionally the companies through their acts have tried to illegally reage these loans and they are reporting them as opened 3 months ago when they are past the statute of limitations for debt. 

These actions also violate the consent order by the CFPB and XXXX XXXX XXXX XXXX case Case 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 2023-08-19
Company: EQUIFAX, 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:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ].

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
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: Account information incorrect

Complaint:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.

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 2016-06-17
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX Nationstar Mortgage company took over ( bought ) my Mortgage from XXXX XXXX XXXX. In XX/XX/XXXX they sent me a letter stating I did not have enough Flood insurance coverage to meet their requirements. I informed them that my agreement with XXXX XXXX XXXX stated I only needed XXXX % of unpaid balance. ( about {$57000.00}. worth of ins. needed ) They went and purchased Gap insurance without informing me. 
After numerous letters and phone calls with no resolution to the matter I had to get a lawyer involved. After receiving letter from lawyer proving they were at fault in the matter they cancelled the insurance and returned my money to escrow. Since that time they have done the same thing twice. Every three months I receive letter stating I do n't have enough insurance I have to go and fax papework ( which costs me money ). As of the writing of this letter they went and got me Gap insurance, taking the money out of my escrow account and raising my monthly payments. I have {$120000.00} worth of flood ins twice the amount needed. It is very stressful dealing with this company. If I speak to a representative I am told it was an error and will be taken care of. Nothing is done. Then I fax over letter from lawyer all mortgage agreement with XXXX XXXX XXXX and it is cancelled. This time after doing all the same nonsense they have not contacted me or cancelled the ins.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am trying to contact Wells Fargo as I had an account with them from XXXX and I am eligible for the settlement payment that they are providing to all customers during that time. However I am currently out of the country and no longer have a wells fargo account, so I would like to receive my settlement payment. I am not sure how to receive it, and I have already called and contacted the branch in the US on Sunday XX/XX/2023 via phone call and was told that I need to go in person. However, this is not possible and has created a problem for me.

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