BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received my monthly mortgage billing statement with the amount due of {$910.00} by XX/XX/XXXX. I paid {$450.00} onXX/XX/XXXX. I called the customer service number XX/XX/XXXX to pay over the phone for another payment to meet the billing statement total amount due. The customer service rep told me that I can no longer pay monthly payments, instead I had to pay the loan in full, which is around {$1700.00}. She stated I also ca n't pay with anything other than certified funds. 

The Mr. Cooper team member advised me that my maturity date has passed as of XX/XX/XXXX. I asked her when I had missed a payment, or had a deferment, to cause me to still owe if my maturity date had passed. At this point, I gave permission to for my son to speak to the team member because I did n't quite understand what was going on. 

My son asked for the specific dates that caused my loan to pass maturity with a balance owed still. The team member was unable to tell me and said " we show you have never missed a payment, but our transaction history only goes back so far. 

At this point, I feel like I am being threatened and forced into foreclosure, as the company will not allow me to pay my monthly payment amounts, instead trying to force me to pay one large payment that I do n't have. My son states that I should n't owe anything anyway, because I have never missed a payment so my loan should be at a {$0.00} balance as of XX/XX/XXXX. My husband is on XXXX and I am a retired XXXX. I feel like this company is trying to take my home when I am trying to continue to pay! Plus, now I think they are trying to make me pay something that I do n't even owe! 

If the team member was unable to tell me why my maturity date has passed and I still have a balance, I think my lien should be released and my loan be XXXX balanced. There has obviously been an error. 

Also, it is very deceptive to not inform me that my maturity date is about to pass and that I would have to come up with a large payment. The billing statement did not warn me, nor did I receive any letter letting me know this was going to happen. It is unfair and deceptive!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
Santander Consumer USA XX/XX/2015 Sold to XXXX XXXX XXXX Contacted both companies as well as sent police reports and signed their affidavit but they still continue to report this fraudulent account on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
XX/XX/XXXX To Whom it Concerns, Regarding : Card Benefit Services, Bank of America Benefit Claim number XXXX Incident Date : XX/XX/XXXX My appeal on an insurance claim on a car rental was recently denied. 

Due to an error on the part of XXXX XXXX XXXX, my claim under the Collision Damage Waiver Benefit was  previously denied. The error has since been corrected and I was therefore able to appeal. 

In short, I was denied in the first place because the credit card insurance only covers rentals 15 days or less. XXXX was instructed by me on several occasions to cancel my first car rental contract of the XXXX XXXX on XX/XX/XXXX ; Rental Agreement XXXX ( Exhibit A ) and open a new car rental contract for the XXXX  ; Rental Agreement XXXX ( Exhibit B ) beginning XX/XX/XXXX through XX/XX/XXXX. Their error in neglecting to do as agreed ( Exhibit C ), thereby lumping these two car rentals into one rental contract which you previously received ( Exhibit D ), made it appear there was only one car rental contract, for over 15 days. 

After a very arduous process on my part of explaining the error and providing evidence to support my claim of error on their part, XXXX has acknowleged their error and corrected the contractual errors and provided me with ammended contracts ( exhibits A & B ) which demonstrates my / their intent to rent the vehicle for only 15 days. 

If you would like to read further supporting documents to shed light on the extenuating circumstances of this process, please see the letter I wrote to XXXX requesting they correct their contractual error ( Exhiibit E ) and circumstances which caused the delay in my closing the first contract due to fraudulent activity on my ( only ) major credit card and my attempts at getting a replacement ( Exhibit F ). 

I hope you will see clearly that I am in fact due to have this appeal granted and payment processed on my claim. 

Please call or email if you need anything further from me. 

Best, XXXX XXXX XXXX XXXXXXXXXXXX

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 2015-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a Bank of America and had ID theft on my Checking with XXXX.
I immediately restored my account with Bank of America and submitted the police report and Affidavit of Fraud to let them know. Bank of America stated they would not change th information and that I did fraud against my self and they will keep the information no matter what was sent in for proof.. I was also helped by XXXX to freeze my credit reports and notify all business in question.

I am now not able to get another account because of what was written.
I still have my XXXX account but wanted to get another account for safety reason can you please address this issue as I have take all necessary steps to protect myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XXXX, 2021 i sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage of and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by equifax breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports.I am a victim of identity theft and did not make the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased XXXX XXXX XXXX XX/XX/XXXX with a bank of America loan # XXXX. On XX/XX/XXXX the house caught on fire. After XXXX months of trying to get the contractor approved to build back the home ( after repeated attempts I even spent my own money trying to save my home ) Bank of American Had XXXX XXXX form XXXX ( XXXXXXXXXXXX ) call me to force me to sign over my property in Deed in luei or a short sale. I was not given the chance to build my home back and refinance with my credit union as planned. I have also contacted XXXXXXXXXXXX to join a lawsuit against bank of America for forcing foreclosure on me and keeping my insurance funds. I repeatedly contacted them regarding the XXXX they kept from the Insurance and after XXXX months the did transfer me $ XXXX and kept $ XXXX. After keeping the XXXX they also wrote the IRS that I own them XXXX in debt write off even though the XXXX documentation and there documentation stated they would forgive the balance entirely and no debt would be sought after me. I have called repeatedly and hired an attorney XXXX XXXX to get me back my XXXX that I am owned. This bank has repeatedly ignored me and my attorney even with a signed release that they can speak to him. I am begging this company to really investigate this thief and help me recoup my money so I can buy back a home for my family. This has been a XXXX year nightmare that needs to end. I would like my money. Please help I know I am not alone with this nightmare and can not afford legal fees with Bank of America refusing to respond accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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:
The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date opened   XXXX /2014 Details Pa yment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, 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 status incorrect

Complaint:
I filed a complaint against Equifax on XX/XX/XXXX, Report # XXXX. However, when my mortgage company pulled my credit on Tuesday, XX/XX/XXXX nothing was changed or properly updated by Equifax. Equifax report still shows the final reported MOP codes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. This is time consuming and frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect MOP code that is still being reported on my Equifax credit profile. Previously, on XX/XX/XXXX our mortgage lender had to re-pulled what was supposed to be final credit for the purchase of my newly built home. When credit was pulled, they had informed me that they weren't able to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold and the third mortgage ( XXXX ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that what an account is closed the final MOP code reported should not be anything other than a 1. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX  and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX closed and transferred XX/XX/XXXX - XXXX closed/paid in full after sale on home XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
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: Personal information incorrect

Complaint:
XXXX XXXX/XXXX continues to provide inaccurate information to the Credit Reporting Bureaus. The latest is that I resided at XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX. 

This is the THIRD time XXXX has reported incorrect information. I never have lived at this address. Ever. Ever. Ever. 

I have no idea why this financial institution ( XXXX XXXX  ) is allowed to continue to operate unethically. On the XXXX  site, XXXX XXXX ranks 1.04 out of 5, as continue to destroy consumer credit records with complete abandon towards the impact of the small consumer. 

This is fraudulent reporting, again, by 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
Consumer complaint received 2021-08-04
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: Information belongs to someone else

Complaint:
I noticed fraudulent accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Current Case No : CFPB XXXX. Your agency contacted XXXX and XXXX ( phone XXXX ) responded by stopping the daily harassing phone calls and " approved the fraud claim ''. The unauthorized charges were reversed. However she states that she will continue to contact me by mail and bill me for " service fees ''. My credit score of XXXX dropped to XXXX when she reported the erroneous credit card charges to Equifax credit bureau as well as XXXX and XXXX. She is not willing to correct their mistakes. I contacted all of the credit bureaus as well as FCC. 
Equifax states that they can not change it without the cooperation of XXXX even though I sent them the apology letter and documentation of charges being reversed as theft. My bank ( XXXX ) alerted me to the credit report or I would have never known about the negative false report. Your help again would be appreciated. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: ID
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:
Someone had fraudulently opened a personal loan in my name at XXXX XXXX, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX, XXXX and Equifax. XXXX XXXX had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a  recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from XXXX XXXX. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I am using a PayPal account as a mode of payment for doing a buy and sell of XXXX XXXX. I did my first transaction and was waiting to receive the payment amounting to {$58.00} on XX/XX/2021, but my account was put on hold because they noticed that I'm a new PayPal seller. They had to review my account first and asked information about the transaction which I've provided them the details needed. On XX/XX/2021 my account has been restored. However on XX/XX/XXXX, after adding a debit card I immediately received an email saying that I can no longer do business with PayPal and my account was permanently banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed since XXXX and equifax and companies are bouncing me around. My information was used to fraudently apply for an XXXX XXXX XXXX account and also a XXXX account. There are XXXX inquiries on my credit report and Equifax, XXXX XXXX XXXX and XXXX has refused to remove these HARD inquiries which are affecting my credit score. I faxed documentation to support the incorrect information, but neither companies are complying and I am exhausted with dealing with them and hope to get assistance to remove this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: WA
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:
Last month I filed a complaint on XXXX XXXX  for illegally adding incorrect information to my Equifax report, causing my score to drop XXXX points. I also filed a complaint on Equifax for allowing this to happen twice, from the same company. Upon a successful investigation, Equifax found the company to be in the wrong, in which they sent me dispute results showing theyd be deleting the creditor XXXX from my credit report. I spoke with a few customer service agents to reassure that my credit report would be updatedraising my score back to where it was before XXXX was added to my credit report. They each informed me that once the monthly update occurs, Id see the deletion of XXXX and my score would go back up. I checked my report on XXXX, and theres been no change. I called to tell them that my score wasnt fixed, asking them why they would be dishonest about this serious situation. The representative I spoke with told me that she couldnt give me any answers as to why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Novad Management Consulting LLC
State: IA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Novad stated in a recent complaint that it is beyond there control and in the hands of HUD. This is not an accurate statement. As I was informed on XX/XX/XXXX via phone by a NOVAD representative that the title was being reviewed by an attorney, HUD completed review in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
I was issued a debit card from XXXX/Bank of America. Card was credited by XXXX in Michigan for approx {$990.00} on XX/XX/XXXX 2 times = approx {$2000.00} in credits. A charge for {$1800.00} was made to somewhere in the XXXX. Bank adjusted so all was ok. On XX/XX/XXXX ( after card was suspended ) called BOA , letting them know card was again credited another {$990.00}. Was to be taken care of and on XX/XX/XXXX those XXXX charges were reversed and now I owe over {$2700.00}! Bank refuses to handle situation so I can get MY {$240.00} out.

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 2021-08-04
Company: SUCCESS MORTGAGE PARTNERS, INC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had been shopping for a lender and chose three separate companies to get a quote from. We had a " local lender '', XXXX XXXX, who quoted us. We decided to not go with her as our loan originator and chose another company as she couldn't match the rates provided by the others. 

XXXX proceeded to contact the seller and told them we weren't using her as a loan officer, which she had not right to do. She attempted to jeopardize our pending home purchase out of spite. 

The actions taken were unprofessional and likely illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
i am behind on my mortgage and was dealing with XXXX. Filled out the loan mod package and XXXX said I was denied. asked for an appeal ... then XXXX said I was approved without filling out another packet but my loan was being transferred to rushmore. My original loan was for 15 years from 2002. Rushmore is giving me the option to pay 40 dollars less for 20 more years. Am I wrong is thinking this is not right? I had already paid 13 years on a 15 year loan and rushmore wants me to agree with a n3ew 20 year mortgage???? it does n't make sense to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to contact debt collector, the phone number doesnt working its a recording, I am not able to speak to a live representative to inquire about this unknown debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft Report # 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