BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concernXXXX XX/XX/XXXX XXXX XXXX XXXX sold our loan to Nationstar Mortgage. In XX/XX/XXXX we received notification that as of XX/XX/XXXX, we are to make our " regular '' payment to Nationstar Mortgage. 
We never signed any documents with Nationstar or anything. We were advised that nothing should change. So as of XX/XX/XXXX - XX/XX/XXXX all was fine. XX/XX/XXXX our payment goes up by {$200.00}. 
I start calling Nationstar to get some kind of assistance in understanding how is it that my payments are going up by {$2400.00} per year. The only response I am able to get is that " oh no ma'am, we did an escrow disclosure statement and that is what it shows. '' So, basically they do n't feel that they need to explain anything to me. I made at least XXXX phone calls and no one has helped me. I have made EVERY single XXXX of my payments on time ( see attached copies of each payment ). However, they show that we 2 months behind. Our credit is shot because of this. I am unable to get any supervisor to help me straighten this out. I manage to reach someone who seemed to want to get this resolved and for a month was actually corresponding with me via email ( see attached ). He referred this to a supervisor who is yet to contact me. I emailed him all of my figures along with copies of the checks that I returned back to Nationstar. Nationstar has no locations in California so I am unable to go into a branch to speak to anyone. We were sent escrow statements in this period of time. They are quite confusing. I created my own statement of what I have confirmed that Nationstar paid for us and what we paid to Nationstar. By my figures, we over paid Nationstar by {$5400.00}. I am attaching my own figure that I have also forwarded to them. 
We are at our wits end with this. 
Please help us get this resolved. 
Regards, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: R & B Corporation of Virginia
State: VA
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:
CREDIT CONTROL Account # # # # # XXXX {$3900.00} Account # # # # # XXXX. {$120.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Va XXXX XX/XX/1971 XXXX XXXX and credit control cooperation failed to do a proper investigation I am requesting the procedure of there investigation. Under the FCRA they are required to respond and be 100 % accurate of the debt validation letter 15 U.SC 1681 section 602A States I have a right of privacy 15 U.SC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions Please delete these accounts immediately unless you want to be XXXX {$1000.00} per valetation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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:
It all started when XXXX XXXX hospital sent a collection on my behalf to XXXX XXXX XXXX in XX/XX/XXXX. I was unaware of the hospital bill and XXXX XXXX failed to get ahold of me via phone and address even though they took a copy of my drivers license and other information. Fast forward, I learned of this collection debt from XXXX and cooperated fully. I paid the amount off by XX/XX/XXXX. This was my first and only collection account since I started establishing credit in XXXX. I have never had a problem paying a bill on time ( which can be proven on my credit report ). 

It was agreed that if I were to pay a large lump sum of the collection sooner than later, the collection would fall off my report. This collection account continues to stain my credit almost 2 years later. I have already went through XXXX and they said the letter to Experian ( and XXXX ) should have sufficed but obviously it has not. I have also filed a dispute 3 times with Experian and once with XXXX ( XXXX does not show a collection account ). 

I should not have to wait 7 years for this account to fall off my report because the letter simply stated that it would be removed. This has been incredibly frustrating and such a slow process. Please remove this negative account from my credit so I can move forward.

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 2022-09-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is fraud. XXXX from XXXX from synchrony bank has not called me back regarding this matter. This is complete fraud and they know it. I am not responsible for this that its their problem. They need to be held responsible. She never calls back I left her several messages emails and no response. Id like to speak to her boss ASAP regarding 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 2017-09-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit Reporting Agencies should not be able to charge an individual to freeze their credit. An individual 's credit should be frozen on default, including pre-screens, and only be unfrozen at the individual 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-07
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage payment was raised due to an escrow shortage so we applied to have our escrow account canceled. We were informed that our escrow account could not be canceled due to a previous late payment on our record. Our mortgage company has been in charge of paying our home owners insurance and our taxes. When we reviewed the records we discovered that the late payment was due to our Mortgage company ( Truist ) not paying the full amount that was owed on one of our tax payments. Due our Mortgage company not paying the full amount, there was an extra amount that was not paid on time. We got proof of the short tax payment from our town and we feel that it is unfair for us to be penalized, and not allowed to cancel our escrow account, due to a mistake that was made by our mortgage company and something that was not our fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Mortgage Fraud is being perpetuated against by SPS known as Select Portfolio Servicing , Inc the property is located at XXXX XXXX XXXX XXXX, Ga XXXX. Legal Description : ALL THAT TRACT OR PARCEROF LAND LYING AND BEING IN LAND LOT XXXX OF THE XXXX TH DISTRICT OF XXXX XXXX, GEORGIA, BEING LO XXXX XXXX OF XXXX SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK XXXX, PAGE XXXX, RECORDS OF XXXX XXXX, GEORGIA, WHICH PLAT IS BY REFERENCE INCORPORATED HEREIN AND MADE A PART HEREOF. I sent notice and ask the plaintiff to:XXXX Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; a ) FR XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX ) b ) FAS XXXX Cash Flow Statementsc ) XXXX XXXX XXXX ) XXXX XXXX ) SEC Registration # of the pooled trustf ) FWP ( free writing prospectus ) SPS wont respond and now they are foreclosing on a property they do not own..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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 XXXX  # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Sent dispute letters on XX/XX/2021 and still haven't received correspondence on results

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 2020-03-29
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax lowered my FICO score in behind of a us department of education but us department of education hasnt gave any information in 4 months so how is it possible its lowering my score but not adding my up to date payments Equifax is mishandling my credit Information and my credit score and has no right to lower my score for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft. 

XXXXXXXX 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 explanation
Consumer complaint received 2017-01-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My grandmother passed away XX/XX/XXXX and XX/XX/XXXX we contacted the reverse mortgage company that we her family wanted to payoff loan. They requested information about estate and deed. After XXXX month and various paperwork, they accepted our documents. Then they asked us in writing to fax or mail request for payoff loan and appraisal documents. Given that payoff loans are valid only for the month requested, we only have 30 days including business days to complete transaction. Then we completed request and holidays came so we submitted for XX/XX/XXXX and we are at XX/XX/XXXX and we still have not received paperwork. They make it really hard to complete this given that every month that goes by the increase on amount is added and the fees are over XXXX $ dollars. Since my grandmothers passing XX/XX/XXXX the amount accrued is over {$4000.00}. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
XXXX 2015 received credit card statement from Macy 's. Balance was {$110.00} and I paid it in full with a XXXX XXXX check. When I again received my statement in XX/XX/XXXX it showed a non payment and interest and fee attached. I checked my XXXX XXXX Statement and check was cashed XXXX XXXX electronically by Macy 's. I faxed my bank statement to payment research a department I believe is with Department Stores National Bank. XX/XX/XXXX and XX/XX/XXXX statements have still not been corrected to a XXXX balance on my account. I went to XXXX XXXX for assistance and was told they could not provide me with the transaction number because it had been to many weeks and they were not able to retrieve it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NJ
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:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate accounts on my credit report : Late Payment XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-07-15
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity Bank/ XXXX is reporting inaccurate 30 day late payments on my credit report. I spoke with a representative about why they are reporting over 3 months of late payments. I applied for their hardship program that I'm currently on. I was set up on automated payments that I have been making on time every month. When I spoke with this representative she informed that until I get " current and caught up with the original monthly payment, that It will show as late payments and they will not remove them! This is erroneous!! and I violation to say the least. I am requesting that they remove XXXX and XX/XX/2020 Late payments. I was not late, made the payments on time! They need to be more upfront with their customers and make them aware of what they are getting themselves into when filing for hardship. Hardship programs are supposed to help people not XXXX them over!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Chase Bank was recommended to me by the State of Illinois, from whom I receive weekly funds. The recommendation was based on the fact that Chase Bank is their official bank that actually cuts our state checks, and would obviously be the best option for setting up direct deposit. I then opened up a new checking account with Chase on XXXX. I was provided an account and routing number, which I entered on the state site, only to have it rejected as " unable to verify '', When I contacted Chase Bank. a rep told me that it would take XXXX hours to activate, which is NOT DISCLOSED anywhere on their website. When I contacted a Chase Bank " supervisor '', the rep blatantly and maliciously lied to me and stated how it was up to the State of Illinois to notify me when my bank account is enabled for direct deposit. WHAT????!!!! As if the State somehow has access to the personal bank records of Chase customers and notifies them of banking updates- wow! That was about the stupidest thing I've ever heard from a bank rep. In addition, this Chase rep lied to me by stating that the 24-48 hour delay was not their policy, only to change her story in a few minutes and state that in fact IT IS their policy. I can't get a straight honest answer on anything from these people, it's like dealing with some shady third world shady characters.. The only thing they did was provide a case number, although it also may be a fraudulent set of digits. That case # : XXXX. The supervisor claimed that they will take action, but when I asked them to describe the action, the phone went silent. Because they have no intention of actually doing anything but provide lies and contradictions, designed to frustrate and confuse their customer - just to get them off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX. My problem started with Wells Fargo around XXXX when creditors would debit my account and the fund weren't available Wells Fargo allowed the attempted debits to continue charging my overdrafts fees ( {$37.00} ) with every debit attempt after my paychecks were directly deposited I would have nothing left I recall having to go into my retirement to pay the rent

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 2016-06-30
Company: MCLEAN MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We dealt with McLean Mortgage and XXXX XXXX was our loan officer. We had to pull out of our contract and loan to buy a home due to personal emergency reasons and with that being said, instead of respecting our decision, she took the matter into her own hands by calling my husband 's Human Resource department multiple times asking about his job security. XXXX XXXX was in no position to do this. This was not her place to do that. By her doing this, she made my husband 's life at work a lot tougher and much much worse than it was. XXXX yelled at my husband and cursed at him and told him that he was full of XXXX and that we were both acting childish. This is not how you speak to another human being, let alone a XXXX woman. She also said, '' why do n't you just get the house, and if your husband loses his job, after a month or so, just get a new one! '' By her telling us this, this lady should not be a loan officer anymore because this tells us that she has written up many loan applications to people that ca n't necessarily afford it, has no integrity and she degrades people and is absolutely awful to the clients.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
After initial contact, I asked the originator if they had financial products that fit my situation. Specifically, I was looking for a low down payment jumbo ( over $ XXXX ) loans ( non-FHA ). His response was that they have loans with the down-payment as low as XXXX % that are non FHA loans. However, after a hard credit pull it turned out they do n't anything like that. They only offer conforming ( under $ XXXX ) loans with % XXXX down-payment or Jumbo with XXXX % down-payment. 
After all the lies, my XXXX credit score took a hit for nothing.

Company response to consumer: Closed with explanation