BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2016-10-25
Company: NATIONSTAR MORTGAGE LLC
State: NH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016, our home was flooded after a pipe froze. We filed a claim with our insurance company. They in turn released checks in my name and in the mortgage company 's name, NationStar. I contracted with XXXX separate contractors to conduct the repairs. NationStar deposited the check and, after sitting on the money for XXXX months to presumably earn interest on it, released a portion of the money to XXXX # XXXX. XXXX # XXXX conducted their work and submitted a bill on XX/XX/2016 for {$18000.00}. The mortgage company is refusing to pay XXXX # XXXX because XXXX # XXXX has not completed their work. Late fees and interest will begin accruing on XX/XX/2016, and yet the mortgage company is still refusing to release any money to XXXX # XXXX, whom has finished his work. I have spent dozens of hours on the phone with NationStar speaking to several representatives as well as a " XXXX '' without success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Iv'e been trying to get a loan mod since XX/XX/XXXX thru XXXX ( XX/XX/XXXX ) who assumed from XXXX ( XX/XX/XXXX ) & servicers afterwards ; XXXX & Nationstar , who all decline me on different reasons. Recently I discovered evidence of appraisal fraud when I bought home in which loan Originator XXXX Rep inflated value by $ XXXX which resulted in me overpaying & now facing Foreclosure auction in weeks.

Company response to consumer: Closed
Consumer complaint received 2023-10-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We have a Marriott credit card through Chase. We receive monthly paper statements and want to continue receiving monthly paper statements. Frequency when signing into their website to review transactions they try to change our preference for paper statements. They default to e-statements and ask us to confirm. This is misleading and deceptive. They change our preference to e-statements and ask us to confirm. The default should be left at paper statements. It is misleading to confirm their choice not ours. This is a systemic issue and they shouldnt be allowed to change customer choices. Please force them to be more customer friendly and less deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NV
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'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card accounts were opened, but I only authorized XXXX. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid off our mortgage loan with Nationstar Mortgage on XX/XX/2016 and overpaid by {$190.00} in interest. As of XX/XX/2016, still no word and no refund check from Nationstar. 

Now imagine being late on your mortgage payment.

Company response to consumer: Closed
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: MO
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've recently found several inaccurate accounts reporting falsely on my credit reporting and immediately notified Experian via mail with a dispute. The accounts included in my dispute where established without my prior knowledge and consent. I am very familiar with the laws of the Fair Credit Reporting Act and my legal rights as a consumer as it pertains to me. As of yesterday, I received an email from EXPERIAN refusing to investigate my dispute stating that the information sent to them did not appear to have directly from me and that they will not investigate unless I contact them informing them that the dispute came from me. I find this response as willful-negligence and and violation of my consumer rights due to Experian NOT BEING ABLE TO PROVIDE PROOF OR PROVE THE DISPUTE CAME DIRECTLY FROM ANYONE OTHER THAN MYSELF. I AM AWARE IT IS NOT ILLEGAL TO USE CREDIT REPAIR SERVICES IF OR SOMEONE AS LONG AS PERMISSION HAS BEEN GIVING TO DO SO. I WOULD LIKE FOR EXPERIAN TO PROCEED WITH THE RE-INVESTIGATION OF MY INITIAL DISPUTE 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 2023-11-01
Company: EQUIFAX, INC.
State: MI
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My XXXX XXXX I've been paid XXXX since XXXX  there are MANY TRANSACTIONS THAT I HAVE NOT DONE

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 2018-09-04
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar DBA Mr Cooper is the servicing bank : has held homeowner in extending processing, and not evaluating documents properly. Homeowner has submitted the RMA requesting modification. Homeowner has been denied by the service'r since XX/XX/XXXX to current XX/XX/XXXX : XX/XX/XXXX. Homeowner is formally appealing the denial based on errors in home value, income, DTI and LTV Loan to Values used by the services in the denial of the RMA application. The service'r has recently denied an RMA application on XX/XX/XXXX. The reason was that all document were not sent in within the required timelines. 

The homeowner is allowed to reapply for a new modification based on recent Nationstar/Mr.Copper mortgage violations and sanctions via the DOJ/Federal Trade Commission after 12 months of current payments. 

I sent in all required documents as required within the timelines. Servicers agent assistant contacted me requesting additional information : which I sent in immediately. Three days later I receive a letter stating the I was rejected a modification due to not sending documents time : This is nonsense, I was never given any timeline requirements by written form or verbal deadlines in any discussions by the Nationstat/Mr.Cooper. 

My servicer Denied any association with Nationstar during my application : and was brought to attention of my assigned SPOC XXXX The servicer ' is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified, lost documents when homeowner has already provided.. 

This homeowner, feels that her case has been unfairly treated for the following reasons : 1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 2. A Single  point of contact was assigned ; calls were made to the point of contact : the calls were never returned by the contact. Calls returned were from the collection department and never the same so called : " relationship manager ''. 3. The service'r has held the homeowner in extended process in bad faith, during which the value of property has c for 26 months from XX/XX/XXXX to XX/XX/XXXX. 4. On the most recent RMA application : all requested documents were provided as requested within 30 days. Homeowner has confirmation via fax that documents were received by the service 5. Homeowner has made numerous calls ( 20 )  inquiring on status of application, calls were routed to next available agent, comments were : A ) wrongfully advised that documents were not submitted, or B ) documents were submitted, or C ) resubmit documents because d, or D ) Homeowner was not provided a NPV Net Present Value Report to approve or deny the RMA application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$28000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
was in Kohl 's Store in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ] on the XX/XX/XXXX or XX/XX/XXXX when I could not charge the merchandise wanted to purchase because I was over the credit limit. My XXXX Kohl 's statement shows I made a payment of {$250.00} on XX/XX/XXXX. It also shows I purchased {$410.00} the same date XX/XX/XXXX. Impossible-I was in the XXXX XXXX  in Pennsylvania. I made the payment on my Debit Card from my hotel room. I wasn't anywhere near the state of Maryland that day, so how could I charge {$410.00} on the same day? The store XXXX took my 'cash ' and it paid off the entire balance on one of the two XXXX dates above. Something is very wrong with this account. I need it investigated from XXXX with everyday looked at. If it shows " NO {$700.00} CASH PAYMENT '' on the account then your store XXXX, who already admitted to me in front of two Kohl 's employee 's on XX/XX/XXXX that he took my cash and applied it to my account. If he did what he admitted too-where 's my money and why was it never applied to the account. The store XXXX went in the office behind customer service that evening to find where I had paid " cash '' on my account. After waiting for an answer for over an hour he promised he would call me that coming Monday. After waiting for over XXXX weeks I again went back to the store and a XXXX XXXX XXXX  said he would find it and would also call me. NO CALL EVER CAME! Went back to the store and had a management group assembled at customer service desk and told them all " I SMELL A XXXX  '' because no one at Kohl 's can find this transaction. Someone has my money at XXXX!!! {$700.00} just didn't get up and walk out of the store-OR DID IT????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I applied for unemployment back in XX/XX/2020, but i never received my card so i thought i was denied. Come to find out that someone got my card and stole my identity and spent all my money... around XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: BARCLAYS BANK DELAWARE
State: OH
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:
I was referred again from a law firm. I noticed the inquiry on XXXX XXXX XXXX the inquiry was from Barclays Bank Delaware. I called XXXX which is the credit reporting I seen it on they told me to call the company because I wanted to dispute it right then and there XXXX would not do this via phone they said I would have to make a formal complaint for dispute which I didn't understand the verbal wording, then gave me a XXXX XXXX and said call the company I then called this particular company Barclays Bank of Delaware in doing so the first representative or customer service rep said oh I see you apply for a credit card didn't give me a specific date but this is what the first rap said I replied no I didn't XXXX I've never had a credit card not with your company or any other company for that matter so then she sounding undetermined and are confused transfer me I then was either talking to a supervisor or a XXXX I asked the same question why are you on my report if I did not apply for any of your services y'all have hindered my credit score by this fraudulent inquiry to a negative XXXX points with my score. the supervisor or XXXX replied well we don't see any account with your particular personal information sir but what I can do is tell you to call back the credit reporting agency and tell them that we don't have no information on you I said I called them first and they told me to call y'all all I'm trying to do is get this rectified still to no avail I am now making a complaint

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 2023-06-12
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX ... .., I am the manager of DARK ... ... .... XXXX XXXX registered in the XXXX of Pennsylvania XXXX 
In late XX/XX/2023, I initiated the opening of a checking account for the above XXXX at the PNC Bank branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I contacted XXXX XXXX XXXX XXXX XXXX ( Phone # XXXX ), providing all the necessary documents and finally get account No. ... ... ... XXXX, opened on XX/XX/2023. 
A couple of days later, XXXX sent me an email inviting me to visit a PNC branch ASAP, just to personally notify me that the account was opened mistakenly and should be closed. I simply asked to indicate in writing the reason for the closure - what rules or regulations were violated and why this became obvious only now. She refused to provide me with written reasons for this action. I insisted on receiving a written response from PNC Bank as to why the XXXX XXXX could not have an account in this branch. 
A couple of days later I received a debit card with a notification that the account was frozen, but again without any explanation. 
My numerous contacts with various PNC Bank representatives were unable to clarify the reason for this situation, and all of them refused to provide me with any written explanation. 
Today I received a letter notifying me, without any explanation, that the account will be closed on XX/XX/XXXX. When I called the helpline, bank representative XXXX told me at around XXXXXXXX XXXX on XX/XX/2023 that the account would be closed due to my abusive behavior. 
My problem is that PNC Bank has never provided a written explanation for its actions, which I consider discriminatory and defamatory, so I can not take any action to protect my rights and my reputation. But all my telephone conversations with PNC Bank representatives were conducted over their recorded lines. 
I am asking the Consumer Financial Protection Bureau to help me get a written explanation of why we can not have an account with PNC Bank and what exactly abusive behavior I have demonstrated. 
Thanks for the help, and please let me know if you need more information. 
XXXX XXXX ... ..... 
XXXX XXXX

Company response to consumer: Closed with explanation