BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX we entered into a repayment agreement with XXXX XXXX XXXX XXXX to catch up XXXX late payment of {$1300.00}. We agreed to catch this late payment up by adding an additional amount of {$190.00} on to each payment of {$1300.00}. The new monthly payment amount was {$1500.00}, after the initial forebearance payment of {$1300.00}. These amounts were paid to XXXX ( # XXXX XXXX via money order on XXXX/XXXX/XXXX and by phone transfer confirmation # XXXX of XXXX XXXX, XXXX. In late XXXX XXXX we were notified by XXXX that our loan had been transferred to Nationstar Mortgage XXXX # XXXX XXXX. We made our XXXX payment on XXXX XXXX ( check # XXXX ) to Nationstar Mortgage in the amount of {$1500.00} by mail. Our XXXX XXXX payment was made on XXXX XXXX XXXX in the amount of {$1500.00} by cashier check to Nationstar Mortgage by mail. Febuary XXXX payment was made XXXX XXXX XXXX for {$1500.00} by cashier check to Nationstar Mortgage by mail. XXXX XXXX payment was made XXXX XXXX XXXX for {$1500.00} to Nationstar by cashier check. XXXX XXXX paid XXXX/XXXX/XXXX XXXX XXXX XXXX paid XXXX/XXXX/XXXX ) and XXXX XXXX paid XXXX/XXXX/XXXX XXXX of XXXX payments were made to Nationstar also by cashier check in the amount of {$1300.00}. 
Because of the sudden transfer of our mortgage loan from XXXX to Nationstar, there was an accounting error in whether we were to pay an additional {$190.00} with our XXXX payment to Nationstar. However, we continued to make regular on-time up to date payments as agreed per the repayment plan. Our continued problem has been that Nationstar Mortgage is continuing to show us being behind in our payments by {$1300.00}, even though our records substantiate that we are not behind by a payment. We will concede that if we are behind at all it would only be for approximately {$370.00}. We have notified Nationstar of this discrepancy and/or error on several occasions to no avail. In addition to continuing to show our mortgage by being behind by a month, Nationstar has incorrectly reported this information on our credit bureau files. Any assistance in rectifying this situation is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act convergent accounts XXXX 30 day late payments on XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX ser acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C. 1681 section A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 it aslo states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our original mortgage lender sold our loan to Nationstar/Mr. Cooper in XXXX. Our loan has been with Mr. Cooper since early XXXX. Immediately, we set up automatic payments from our bank with the loan account information given to us by Nationstar/Mr. Cooper. For all of XXXX, payments were sent, accepted, and applied to our mortgage balance without complications. 

In XXXX, Nationstar/Mr. Cooper began accepting our payments, DID NOT apply them to our account, sent them back to us 14 days later, charged us a late fee, and then contacted credit reporting agencies to downgrade our credit. As soon as we learned that there was an issue in XX/XX/XXXX, we sought to understand the source of the sudden problem and have a workable solution. 

We have now spent hours on the phone, fax, email compiling supporting documents and communicating with their customers service department. We engaged in a three-way call with our bank. Our bank issued evidence of the ON TIME payments we were charged late fees for as well as the return of payments WITH NO EXPLANATION. Mr. Cooper would only issue letters from their " Research Department '' that the issue was being investigated and they would send us information in 30 days. 

When the same thing happened in XX/XX/XXXX, I grew impatient and very upset. I used social media to call them out. Within 24 hours, Mr. Cooper had contacted me and reversed the late fees, backdated our payments and supposedly contacted the credit agencies. 

BUT the damage is done. We can not trust this company. Our credit is already damaged. We have already had to work very hard to just get them to do their job. 

We are seeking another lender at this time. It will cost us in XXXX, closing costs and time. 

Mr. Cooper is running a spectacular scam -- take the money, hold the money, use it as they want for XXXX weeks, send it back, charge the customer a fee, downgrade the customer 's credit so they are beholden to Mr. Cooper because other lenders are leery of their recent credit history. Whoever thought it up is an evil genius. 

It deserves an investigation. We deserve some recompense for our distress and the money will will spend to ensure we are no longer associated with the unprofessional and unethical practices of this company. We are fortunate that we CAN pay the fees associated with an increase APR and loan costs ; other people may not be so fortunate. BUT WE SHOULD NOT HAVE to incur these costs because of their mistakes. 

Please help us. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Early morning XXXX/XXXX/2016 I came outside to go to work and my car was gone. I currently have a loan with Bridgecrest financial formerly XXXX. I had to wait until XXXX cst to contact their offices in Arizona I spoke to the redemptions department a gentleman named XXXX who informed me that my car was repossessed I was in shock when I have been making payments and arrangements every two weeks with an account manager and had a current documented arrangement for XXXX/XXXX/2016 He then advised me they will have to look into the issue and call me back. About an hour later I received a callback from XXXX who advised that what I said was true the call with the previous agent I made arrangements with was pulled. So the company admitted to wrongfully repossessing my car sighting it as an " system error ''. I was then advised they would pay all fees but I would have to go get my car I advised that is unacceptable and it should be brought back to me since I had no means of transportation. I was then told it could take up to XXXX10 business days to bring back my car that they wrongfully repossessed. I was upset and at the mercy of the lien holder I missed a whole day of work and had to pay XXXX dollars to take a cab an hour away to retrieve my car they wrongfully repossessed. I want to be compensated for the time I missed and money I lost because of their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am currently a day trader and have every legal right to access my funds. I have XXXX locked in Venmo for reasons they have not explained. I have verified my identity with the company and yet they have not granted access to my remaining balance. I have contacted the company numerous times starting on XX/XX/2022. They say they can not give any further information out because that is not in their department. Please help me resolve this matter as fast as possible. I need my funds to continue to provide for my family. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Doctors business bureau have me on collection for an accountunder my son 's name. He son is XXXX and he has been receving medicaid since he was born covering 100 %. Icontacted them to let them know, but they were very rude to me and basically told me that by this now, it was too late to call medicaid and that i was responsible for the account. They told me that I had to pay the total in only one payment. Its unfair and not right that I would have to pay for a medical service, having my son medicaid insurance. This is basically a theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
There were XXXX incorrect payment histories on my Equifax report that I disputed. I received the disputed report and they all read reported correctly from the investigation ( I still dispute ). XXXX of these accounts were closed and paid in full back in XX/XX/XXXX and the other XXXX were closed and paid in full XX/XX/XXXX, thats 7 years for the first and almost 6 years for the other XXXX. I called Equifax and spoke to supervisor XXXX XXXX and he told me since I disputed these accounts ( I still dispute the accuracy ) that they will remain on my record for another 10 years ( XX/XX/XXXX ) that would be a combined total of 17 years. I told him that is against the Fair Credit Reporting Act and his response to me is that they can report as long as they want. This is not the law and is a total assault against me and my character. Please help me correct this over reaching company, as it is their responsibility to report the truth not make it up at their discretion. Thank You!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: OCEANFIRST FINANCIAL CORP.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I attempted to use my debit card on XX/XX/22 and received an unusual error. I noticed that the card was expired. When trying to contact the bank no one was available and all locations and numbers said the bank was closed. I was never sent a new card or did not receive it. On XX/XX/22 I called the lost or stolen card number to report that I never received my card. They advised me that the bank never sent me a new debit card. I filed a complaint with the lost or stolen card company working with my Ocean First bank. I have numerous bills that are set for auto payment and all of my money is in this bank account. I currently have no access to any of my money and when my auto payments try to go through they will now be denied and I will be charged fees because the bank did not send me an unexpired card and I can not reach anyone to resolve the matter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Carter Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Carter Business Services , Inc. regarding a bill from XXXX XXXX XXXX. This bill was paid in full on XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX woman. I have a, FHA secured mortgage with BOA as they are the servicer. Due to the cost of living increase and my only source of unearned income being from Social security I applied in XXXX 2014 for a modification to my high interest loan. I have been treated with discrimination due to my unearned income. They have ruined my credit with the credit agencies in their unfair treatment. I have consistently paid, every month the escrow and payments toward principal. The BOA fails to report these payments as mad and refuses to abide by the rules of FHa whereas the direction of payments with FHA secured loans are first applied to escrow evry month then to the principal. this has been going on for more than 16 months. it is unfair as I qualify for modification to my excessive interest and they fail to abide by federal and state laws. The FHA standards for home modification allow for a {$100.00}. decrease in monthly mortgage or a mortgage payment equivalent to XXXX % of the gross income. My gross income is sworn to with proof and BOA wrongfully enlarges the gross income. this is against the law as my income is unearned and not taxed. I provided BOA and FHA the DEPT OF REVENUE facts that my income is XXXX % below poverty and XXXX % of what the minimum wage is. Therefore if it were an invome I would not be taxed. I also provided them with proof that XXXX persons can not receive earn income deduction from IRS at tax time like working people. BOA keeps violating my rights. Please step in to report them to the GOVERNMENT for unscrupulous conduct and breaking federal laws to disable, handicap and women.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Our company reported a number of fraud charges that had been made to our business card account with Bank of America. The charges were from XXXX through XXXX. The total amount that was determined to be fraud charges amounted to {$12000.00}. Our company has this XXXX card account on automatic bankdraft and it was only until a notice of Bank of America, that a detailed review of the activity showed that all these charges were indeed fraud. Bank of America never flagged any of these charges as suspicious and when reported, they did realize that these charges were unauthorized and provided a temporary credit. Subsequently, Bank of America advised our company that they had reversed their decision ( as they claim our office never disputed any of the charges ) and placed the entire amount back as owed on the credit card account. Our company maintains that under federal and state laws, a credit card accountholder is not liable for fraud committed on said account, either with or without, the knowledge of the cardholder. In this case, our company was completely unaware a fraud was being committed. If not, every effort would have been made to stop these fraudulent charges immediately. We are asking that your office assist us in having Bank of America again review these fraudulent charges and credit our account accordingly.

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 2019-11-30
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been currently disputing accounts on all three of my credit reports since. Experian ... XXXX and XXXX since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX  done for a tooth I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus XXXX, Experian, and 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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never seen a contract or documents

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 2018-01-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Date I sent wire : XXXX XXXX, 2017 Amount sent {$20000.00} Wire transaction # XXXX Fed ID # XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX The told me a few days later it was reversed and sent an email stating so and that I should receive it back in my account with 14 days due to delays. It has been over a month and the money is not in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom it may concern, As confirmed by XXXX County Sheriff 's Department, my identity was stolen on XX/XX/2022. By stealing my identify, access to my Bank of America online account was gained. 
On XX/XX/2022, there was a new, unauthorized recipient added to XXXX recipients using my Bank of America XXXX  account. Following 2 fraudulent payments were sent to zelle address XXXX : 1 ) {$100.00} confirmation # XXXX 2 ) {$95.00} confirmation # XXXX Bank of America ignored supporting evidence and rejected the claim, stating it was authorized.

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 2022-09-04
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Here recently XX/XX/2022 I pulled my credit report from Experian.com and noticed several inquiries for auto loans and credit cards over the course of the last few years that I have no knowledge of and did not authorize. I placed a freeze on my credit report on XXXX after receiving notifications via email that my experian report had been recently checked by a lender I reached out to Experian on XXXX to inquire about these inquiries and to get further assistance on getting them removed because they should not be on the report but the representatives I spoke with could not assist and refused to further investigate. I spent several hours on the phone with them speaking to supervisors, fraud and being transferred countless tomes to get to the bottom of this. I still have not gotten a resolution with Experian! The inquires on experian that were unauthorized are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX I have sent letters certified mail to Experian on XXXX as well as filing this complaint in hopes to get them removed and for further investigation to be done. The credit freeze will remain in place.

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 2017-02-10
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
MY daughter obtained a student loan and needed her parents income. Which I supplied her with. When Navient took over the student loans. They sent me the bill and also my duaghter. When I had informed them of the mistake they told me that it was a parent plus loan and I was responsible for the loan. I have asked several time for the original paper work in which they deny sending. 
My daughter has been making payments on the loan but my loan just keeps increasing wwith Navient claiming there has not been any payments what so ever. This has hurt my credit dramaticaly. and I want it removed. If there is any way you can help it would be greatly appreciated, Thank you, XXXX XXXX

Company response to consumer: Closed with explanation