BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My Wells Fargo checking account ending in XXXX has been wrongly charged monthly service fees. 
I opened this account XXXX It was known as a first responders account. A no monthly service fee for all first responders. 
As of XXXX  they have charged me {$15.00} every month. I've called several times to rectify the situation to no avail. 
To date they reversed 3 monthly charges. 
This is a clear indication Wells Fargo admits and realizes they charged fees which are contrary to the first responders checking account. 

Thank you in advance for your attention concerning this matter.

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 2023-10-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 {$100.00} was withdrawn from my checking account, and was never authorized. 

1. I had just received a new debit card from USAA, My old debit card was expired, and the new debit card it was not activated at the time the above charge occurred. 
2. No authorization was provided to the company that charged the {$100.00}. I spoke to USAA on the phone and they said they would take care of the issue. 
3. I received a follow up decision ( attached ) which stated the transaction was not an error because of " insufficient information ''. 
4. USAA never provided documentation from the merchant it relied upon in making this decision. 
5. USAA asked me for documentation that does not exist. When a transaction isn't authorized, consumer 's do not have records to provide showing it wasn't authorized. The charge was not authorized. The merchant did not provide any kind of receipt or billing notice by paper or by email. I don't understand why USAA is defaulting to the merchant must be correct rather than believing its paying member. Do better USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was in default on mortgage and subsequently brought it current as of XX/XX/XXXX. 10 days later Freedom Mortgage reported my delinquency as the current status though I was still in the loss mitigation period where I was not to have any negative reporting or collections activety, They did this as well in XXXX of XXXX. In both instances reporting potential negative and inaccurate date to the bureaus.

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 2023-10-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, I walked into the Citi branch on XXXX XXXXXXXX XXXX XXXX, NY XXXX to open a business checking account since there is a promotion for {$700.00} for new accounts. XXXX " XXXX '' XXXX was the business manager who helped open my account. She got various pieces of information wrong about the business as well as my personal information like social security number. The whole process was very disorganized. 

After account opening, I got an email on XX/XX/XXXX from XXXX saying backoffice needs more information, like a copy of my social security card. I immediately sent it back to her. Then she forwarded me more questions that back office had for her, like what kind of assets the account will own, where the funds are coming in. I gave her the information again. On XX/XX/2023, i asked for a status update on the account. No response from her. 

Same day i got an email from her saying the account was opened and gave me a few secure files containing my account number and information about the account. She assured me the ATM card will arrive next week. 

On XX/XX/2023, I deposited a check for XXXX USD to my account in branch at the XXXX XXXX branch in XXXX XXXX Received a receipt. 

On XX/XX/2023, I received my debit card but the name and business on the debit card was truncated. I could not activate my debit card with either my SSN or account number, so i emailed XXXX XXXX again. No response from her. She later asked me to call the fraud department which i did and the fraud department said my account is blocked because the business address is not the same as my personal address. Fraud department said my account will be closed in 30-60days. 

XX/XX/2023, XXXX XXXX said the fraud department said that there's no proof I own the XXXX, something which i have already provided documentation for previously with ownership documentations. So i resent it. On XX/XX/2023, I asked for a status update and no response from her. 

On XX/XX/2023, I resent a documented letter from my XXXX agent that proves I am the owner of the XXXX and resent it to her for reconsideration. No response from her. 

I called the fraud department again and they said my account has already been closed XX/XX/2023 and the money will be sent back to me by mail to the address listed after 30-45 calendar days from account close date. 

I waited until XX/XX/2023 to call the fraud department to check the status of my check return. They said that the amount on the account is not due to me anymore and to get back the funds I will need to tell my check issuing bank to file a claim. 

I called Citi 's executive response unit for advice regarding the account and have no received any information on how to receive my check.

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 2023-10-17
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The Nelnet website is not allowing setup of monthly payments or single payment from XX/XX/XXXX to today XX/XX/XXXX and it is still an issue. I have waited hours on hold with customer service and there is no one picking up the line. It will soon impact my loan due date which is XX/XX/XXXX and I do not think I should be held accountable/penalized when I am doing everything I can to get in touch with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo is reporting inaccurate information and need to delete this from my credit report 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 2016-03-30
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, I received a default letter from the bank telling me my loan was in default for my failure to make a payment on XXXX XXXX, XXXX. They told me I had 30 days to pay the past due amount of {$120000.00}. I called them to ask for an itemized breakdown of the amount demanded because it seemed ridiculously large. ( i.e. how much was for principal and interest payments, how much for late charges, how much for escrow charges, etc. ) I also asked them how they could demand money from me for payments I allegedly failed to make more than 5 years ago. They told me they would send me a written explanation within 30 days. I never got a response despite several follow up phone calls. After several months of waiting, I went to an attorney who wrote a letter to them XX/XX/XXXX asking them again for an itemized breakdown of the amount they were claiming was due. They sent my lawyer a bunch of paperwork ( note, mortgage, payment history ) but never explained how they came up w/ the {$120000.00} amount demanded in their XXXX XXXX letter. I then filed a complaint with the CFPB ( Case No. XXXX ) for their failure to respond to my repeated requests for an itemized breakdown of the amount they claimed I owed them. They wrote back to the CFPB and said they sent a response to my complaint to my attorney. They did not. I then filed a follow up complaint w/ the CFPB today because they did not send my attorney any response to my complaint. Then, to my surprise, I received another letter from the bank on XXXX XXXX, XXXX. This letter demanded {$88000.00} and said I defaulted for failing to make my payment due XXXX XXXX, XXXX. If they knew I had an attorney XX/XX/XXXX when they responded to my CFPB complaint, why did they write to me directly on XXXX XXXX, XXXX? Also, how am I supposed to know how much to send them to reinstate my loan when they send me completely different amounts to cure the default and with different default dates? Furthermore, they have never explained to me how they arrived at either amount ( i.e. {$88000.00} or {$120000.00} ). I have been trying to bring my loan current for years but they keep giving me misinformation. I am fed up with this. I am a XXXX citizen ( XXXX years young ) and I deserve more than just " form '' letters telling me to pay money without any explanation as to how they arrived at these crazy amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced with XXXX Mortgage. XXXX Mortgage then transferred my loan to Nationstar Mortgage. I was not notified of the transfer until after my XXXX 2016 payment was already electronically taken by XXXX Mortgage. XXXX Mortgage contacted me and advised me that my loan was being transferred to Nationstar Mortgage and that I should be receiving a " welcome package '' from Nationstar advising me of the transfer. XXXX Mortgage indicated that since my loan was in the process of being transferred they would be sending the XXXX 2016 payment to Nationstar Mortgage. This did not take place. I was contacted by Nationstar Mortgage advising me that I had not paid XXXX 2016 mortgage. I told them that I did in fact pay XXXX 2016 and it was paid ON TIME. This fiasco has been going on for over a month. Finally ( with the help of XXXX Mortgage representatives only -- nobody from Nationstar would even attempt to help ) the payment was " found '' but I continued to receive notices indicating that my mortgage was past due etc. I have never paid my mortgage late. To add insult to injury a {$12.00} " fee '' was added to my account. I had to argue this over and over again. This whole process has taken over a month, tons of phone calls, emails etc. Finally, today, I receive a return message indicating that Nationstar will " waive '' XXXX TIME a late fee. My payment was not late. Even when the payment was " found '' I was never notified by Nationstar that they had " found '' it ; I had to figure that out on my own by going online to my account. Nationstar Mortgage has been disrespectful, unprofessional, and dishonest throughout this nightmare. In addition, it is unsettling to me as a consumer when I wonder where my XXXX 2016 mortgage payment was while it was " missing '' The funds were gone from my bank account but yet they were not applied to my mortgage for a month? Something is not right. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: OneMain Finance Corporation
State: IL
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:
I received multiple hard inquires from XXXX XXXX XXXXXX/XX/XXXX and XXXX of XXXX, XXXX, ONEMAIN FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXXXXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Recently my student loans were transferred to Nelnet. 
I applied for a SAVE repayment plan, and my student aid profile says the application has been reviewed by nelnet, and the case is marked Closed. Yet I have not had a single email ( or other ) communication from Nelnet, other than a bill that I can not afford that is due tomorrow. 
The most frustrating piece is that every time I call Nelnet I am stuck on hold for extreme amounts of time. I have not yet been able to get through to an actual person to ask what happened to my XXXX application, and why have I heard nothing about it? 
It feels like they are stalling on purpose - as Ive found vis XXXX that I many others are having the exact same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: IL
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: NY
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.

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 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 2023-09-12
Company: Experian Information Solutions 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:
On XXXX, XXXX, 2023, I sent out a dispute letter about inaccurate information about myself. There are collections that are open and also showing past due of a balance of {$3700.00}. I understand that this is a violation and I wanted to reach out to them about this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email to my personal email stating that a new checking account was opened with Bank of America. I do not have, nor have ever had, accounts with Bank of America. I did call Bank of America and obtained a fraud case number and they stated they have now closed the account. Reporting, because it seems a little too easy to open an account under my name without doing any further verifications to confirm my identity.

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 2023-10-17
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
As of XXXX XXXX XXXX within a 10-day period, we ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have requested SHELLPOINT MORTGAGE SERVICING dba NEWREZ LLC and XXXX XXXX XXXX XXXX through an Affidavit of Truth/Demand for Verification/Validation and Testimony Under God to provide us with the below mentioned items : * The amount they claim the Respondent owes. 

* An explanation showing us how they have computed the amount. 

* Copies of any documents that prove we agreed to pay the alleged amount. 

* The identity of the original creditor. 

* Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 

* Evidence that they are a licensed debt collector. 

* Evidence of license numbers and registered agents. 

* OUR ORIGINAL WET INK SIGNATURE PROMISSORY NOTE After this 10 day period, if SHELLPOINT MORTGAGE SERVICING dba NEWREZ LLC and XXXX XXXX XXXX XXXX do not respond, we will provide a courtesy of an additional 10 days to provide us with the proof of claim. Failure to produce proof of claim after this courtesy means SHELLPOINT MORTGAGE SERVICING dba NEWREZ LLC and XXXX XXXX XXXX XXXX will have exhausted their administrative process and no further claims can be made against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If debt is unable to be lawfully and fully validated, then any negative item reported to any of our credit reports will be in violation of the Fair Credit Reporting Act ( F.C.R.A. ), the F.D.C.P.A., use of my copyrighted property, and will be also be considered a defamation of character ( please refer to credit agency report attached XXXX credit report : XXXX XXXX XXXX XXXX 

Please note that this is not a refusal to pay off the account but a notice as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that SHELLPOINT MORTGAGE SERVICING dba NEWREZ LLC and XXXX XXXX XXXX XXXX claim is disputed and validation of the account is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
At the end of last year my statement showed I had {$550.00} in escrow. I paid another {$30.00} into escrow for the next 3 months for a total surplus of {$640.00}. Nationstar paid {$360.00} for insurance leaving {$280.00} balance surplus. 
Nationstar will not reimburse me the surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2023-10-19
Company: AmeriCollect
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney.

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, XXXX you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. 

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

Company response to consumer: Closed with explanation