BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had refinanced my home XX/XX/XXXX from XXXX XXXX XXXX XXXX. XXXX sold the loan to Nation Star Mortgage. As per the original loan documents and private mortgage insurance disclosure, my PMI would automatically terminate XX/XX/XXXX. Nation star is refusing to honor the original document. Nationstar wants me to go for a new appraisal or wait till loan to value falls to 75 %. My decision to re-finance the home was based on number of factor and XXXX of the main factor was PMI. I refinanced from FHA loan to conventional loan to avoid paying higher PMI for a longer period of time. I have also attach the document that was given to me by XXXX, communication between Nation Star and me and the payment history. Request your intervention to get this issue resolved. I have always paid the monthly payments on / in time. I have never been late on the payments.

Company response to consumer: Closed
Consumer complaint received 2015-09-30
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have discovered the Assignment of Mortgage on my loan was robo-signed by robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. The Assignment of Mortgage executed and recorded/filed on XXXX XXXX, 2011 on my loan was robo-signed by known robo-signer XXXX XXXX. XXXX XXXX was not an employee XXXX XXXX XXXX XXXX XXXX XXXX at the date of the signing and XXXX Bank, XXXX did not exist on XXXX XXXX, 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Mortgage is currently engaging in dual tracking and their foreclosure law firm XXXX XXXX, XXXX is attempting to foreclose using a robo-signed Assignment of Mortgage. I have provided XXXX XXXX, XXXX and Nationstar Mortgage with the evidence of fraud. The Assignment of Mortgage in this action was executed on XXXX XXXX, 2013 and recorded/filed on XXXX XXXX, 2013 was robo-signed by serial robo-signers XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: ARC Management Group, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed on XX/XX/XXXX to XXXX, XXXX, and XXXX. however it's been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have made serval requests for this already, If you look at the attachment - they are deducting for my home owners insurance to pay*** They have not paid in 5 years, but they are deducting from my account -I have had to pay agent directly - PLEASE HELP! 
Here is what I am requestingESCROW ACCOUNT! - and Escrow account ONLYPlease send me a copy of all " Escrow transactions '' for the last 5 yearsAllPayments ReceivedAll Payments made from my account along withCANCELED CHECKS FOR THE ESCROW REFUNDS YOU SENT ME! 

PLEASE READ CAREFULLY AND PROVIDE THE INFORMATION REQUESTEDCC : CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One continue to deny me to be approved for credit card for a account that was open over XXXX years ago. Even now when my consumer report is not poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EXPERIAN CONTINUES TO NOT BLOCK FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT AS A RESULT TO IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Approved for 6 months of government Homeowners Assistant Fund. Mortgage company has cashed XXXX, XXXX and XXXX payments but have NOT been able to locate to apply to my account. These funds have been approved from XXXX XXXX, XXXX, XXXX were applied with no problems. Ive been contacting my loss mitigations department and mortgage company several times per week since XX/XX/23. Last update I revived yesterday when calling was that it was still being escalated and the check numbers and cashing information was received from HAF - but, they have applied anything to my account as they were still searching for these funds. This is ridiculous! 3 months of escalation getting the check information that they cashed months ago, but yet NO results to be able to apply to my account. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX  XXXX XXXX Balance : {$2900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The listed inquiries were not authorized by me. I contacted each company, and none were able to verify my authorization of the inquiry. I contacted each credit reporting agency on numerous occasions, and each have failed to adequately investigate the fraudulent activity or provide legitimate proof of investigation. I have called the reporting agencies numerous times and have been met with disconnected calls and countless failures to address my request. Please remove the fraudulent activity immediately per my rights under FCRA 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 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 2015-09-29
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was taken over by Nationstar Mortgage from XXXX XXXX XXXX in XXXX 2015. For 10 years at XXXX I paid my mortgage bi-monthly as a term of my mortgage and there was never a problem, I was never late. I continued this practice when Nationstar took over. I have NEVER missed a payment. Now, they call me constantly telling me I 'm late, when I am not. Apparently they misapplied a payment initially which makes them think I am late. I have assured them that I have not missed a single payment. They are telling me that I now have to pay a private company {$290.00} plus a monthly fee to make my payments like this. Are you kidding me?? When I spoke with them in XXXX, the operator assured me that the misapplied payment had been corrected and that my account was current, but that never happened according to the call I got yesterday. It is very difficult to deal with these people as everyone I have spoken to has difficulty with the XXXX language. Now for the ultimate insult, they are now reporting to the credit bureaus that we ar 30-59 days late on our mortgage. This is slander of the highest degree since my account only shows that I am 15 days late even tough that is not accurate either. I have never been late on this loan and I do n't intend to be treated like this. They are ruining my credit for no reason at all. I will await the result of this inquiry and pursue legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 
I do not recognize XXXX XXXX XXXX  According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
15 U.S. Code 1681i - XXXX in case of disputed accuracy there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 



i need accurate data points 15usc i1681i this can not be 60 days past due, the payments were deferred for 6 months, this needs to be corrected XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, 2022 XXXX, 2022 XXXX, XXXX  Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency 60 days past due 60 days past due No update received Balance {$30000.00} {$30000.00} {$30000.00} Credit Limit XXXXYEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: SECURITY FINANCE CORP
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Williams & Fudge, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never was enrolled in the school, they are sending me emails William & Fudge Current Creditor : XXXX XXXX XXXX  Amount : {$9600.00} They have called numerous of times and I was also at one point threatened by one of their male employees XXXX XXXX XXXX XXXX Amount : {$2600.00} I talked to someone 2 years ago who told me that the account was overdrawn, but I have only had an account with XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Charged off as bad debt Unpaid balance reported as a loss by XXXX XXXX Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization 110 % 110 % Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Comments Account information disputed by consumer Account Information Disputed By Consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Ive attempted to rectify a digital transaction and Regions has, lied, delayed, and misinformed me about information i need to submit to support a claim

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 2023-06-20
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was looking at my credit report last week on the XXXX of XXXX. I notice that I see a LVNV funding LLC collection in the amount of {$1200.00}. I tried reaching out to them on the phone number that I found in XXXX but no one has answered. I have not been sent a letter to even validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted my federal student loan servicing company, Nelnet, to inquire about whether I would be able to make an extra payment every month ( or whenever I chose to do so ), after my required monthly payment has been successfully processed, with such funds only being applied towards the principal of my outstanding loans. In sum, I wanted to be able to make my monthly payment, and to make an additional, optional payment to principal-only. I was told that this option ( i.e., a principal-only payment ) is not allowed. I do not believe there is a justification for such restriction. The repayment of student loans is governed by federal law, and I do not believe there is any federal law that precludes a borrower from making a principal-only payment, after such borrower 's required monthly payment obligations have been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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: In progress
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have filed a previous complaint on this and Equifax has done nothing to remedy the problem and give me access to my Equifax credit report and considering they are in the midst of the settlement related to the Data Breach it gives me pause to think they are hiding my report and violating my consumer rights intentionally. Please direct them to give me access or i will consider legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Revco Management, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the bill charged from the weekend of XX/XX/XXXX of 2022 I was hit by a utility truck. The utility truck was the one at fault. I assume my auto insurance company and/or the at fault 's insurance company should be the ones taking care of the medical bill and not I. 
The hospital and I have made attempts to get a hold of the XXXX. I have even tried to call the XXXX 's supervisor but I have no gotten answers or call backs. 

If I'm mistaken about how the process works of me getting hurt by someone else then please evaluate and let me know. 
There should be police reports of the accident if anything needs to be looked over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.

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