BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern. I am scheduled to close this Friday, XX/XX/XXXX, on a property for my primary residence. However, today, XX/XX/XXXX, I gathered an understanding that the mortgage company, Select Portfolio Servicing, who serviced my former home mortgage for XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, that I filed in XXXX XXXX bankruptcy in XX/XX/XXXX, did not foreclose on the property because they wrote it as a charge-off. Moreover, they have a lien against me for {$7000.00} for past-due payments and other fees. My complaint is two-fold. First, they still need to enter a resolution for the property. Because at this time, I am still the owner and responsible for the taxes and insurance, even though I surrender the parcel back to SPS within the bankruptcy. But more importantly, the lien violates bankruptcy regulations to cease and desist because the property was liquated. SPS continued to send me monthly statements during the bankruptcy and for four months afterward. Then in XX/XX/XXXX, SPS mailed a letter stating that the debt was charged-off and that a lien was placed against me for the past due payments totaling the stated amount above. Interestingly, I noticed when I reviewed the old statements that the account due date was XX/XX/XXXX, and the last time a payment was made on the property was XX/XX/XXXX. 
I must be transparent. I realized today that the debt was charged-off and that SPS placed the responsibility for the taxes and fees back on me. Moreso, when they sent statements, I did not report them because they were misleading. They stated, " our records show that either you are a debtor in bankruptcy or you discharged personal liability for your mortgage loan in bankruptcy. '' Additionally, the statement was sent for informational purposes only, yet they placed a lien against past due balances that SPS says I owe.

I need SPS to change the status of the mortgage loan I had with them to " loan forgiven '' and release the lien. I ask this because I did my part filing for XXXX XXXX bankruptcy and completed what was required. However, the " charge-off '' statement means poor performance. It's baffling that SPS has penalized me for a debt I was no longer responsible for. I have contacted SPS to have this resolved. But because per the representative, I am responsible for the remaining debt because the {$45000.00} was charged off, and they had no record of my bankruptcy, even though it states I filed bankruptcy in the documents they sent me. And per the representative, their records said XXXX XXXX and charged off. 

I appreciate your prompt response to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Experian Credit Agency is criminal. I pay off my credit cards every month and pay all my debts on time - no late or missing payments for many years now. Today Experian dropped my credit rating XXXX points for no reason. They provided no justification just a note they dropped my rating for no reason. If they can not provide factual justification, shut them down immediately. This is the XXXX time this year they have pulled this XXXX ( I opened a ticket last time too ) and last time provided no justification. This has to stop immediately. Shut them down. Shut them down. Shut them down.

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 2023-09-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX, I got an email from PayPal saying I can no longer use my account. My account was permanently limited and all my money ( {$7500.00} USD ) was put on hold for 180 days. 

In the email it mentioned Based on the information we have today, it appears that there was activity on this account that we can not process. Specifically, those relating to transactions that support pyramid or Ponzi schemes, matrix programs, or other " get rich quick '' schemes or multi-level marketing programs.

Transactions that support pyramid or Ponzi schemes, matrix programs, or other " get rich quick '' schemes or multi-level marketing programs are all against PayPals AUP which means PayPal will fine me {$2500.00} per violation and take all my money based on FALSE accusations. 

I reached out multiple times to support trying to understand and get answers but I just get super vague and general answers. 

I have NEVER been involved in any of the things PayPal mentioned. All my invoices are labeled clearly. I have a social media marketing agency and we help people grow their accounts. 

I asked PayPal for proof or evidence about this violation but as I said they just kept sending super vague statements that didnt address my issue. 

I ONLY want my funds back. I do NOT want to continue using their service. PayPal have falsely accused me of something and because of there malicious AUP policy now they can fine me ( steal my money ). 

My account history is clean. Not a single chargeback/dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I sent in a cashier 's check to Nationstar for my regular monthly payment in the amount of {$1300.00} ; Evidently that check was sent to the corporate address instead of their overnight address. I was informed of that and due to the fact that I did not want to be late on my mortgage payment, when the representative that I spoke to on XX/XX/XXXX ( Name XXXX ; Ext : XXXX ) suggested that I send in another payment I did so on the same day. XXXX also mentioned that there 's a possibility that the check might get returned back to me or that it would just be sent to the correct department for processing, She said that whichever payment is processed first will be applied for XX/XX/XXXX, the other will be applied for XX/XX/XXXX. The second check I sent in XX/XX/XXXX was in the amount of {$1300.00}. The check was sent on XX/XX/XXXX and received on XX/XX/XXXX, It was cashed on XX/XX/XXXX and was posted to the account for the XX/XX/XXXX payment. The first initial check which was sent on XX/XX/XXXX, received on XX/XX/XXXX and cashed on XX/XX/XXXX ( which we later found out when Nationstar asked for proof from our bank ) was never posted to the account. We have contacted Nationstar about this matter about 24 times through email and phone since XX/XX/XXXX, might be more, I lost count after my 20th call ; They have yet to take this matter seriously. I have gone through at least 8 research request that was submitted for them to look into it and apply my missing payment, but none of these requests worked. Every single time I submitted one, I would get just a little bit of hope but to no avail. I have faxed them all of the documents that they have ever asked for on every occasion that a new research request would be submitted and I have also emailed them those documents. I believe that the employees are not taking their time to do their job correctly. They mentioned that everything is correct on the account and that the missing payment was applied toward the mortgage. I have looked at the statements and that first check that Nationstar cashed is nowhere to be found on there. And its also funny that one of their representative told me that I should be happy that I 'm not behind on my payments and to just be happy and let it go and continue to make my payments. I just want Nationstar to post the payment as it should be, and if they refuse to do that, they will have to give me my money back. Just in case Nationstar try to say that one of the payments that are posted on that statement is the payment that I 'm disputing. I need to add that I made 2 payments XX/XX/XXXX in the same amount of the check that I 'm disputing. The account was current at the time that I sent in that payment that I 'm disputing, therefor there is no if and or buts it should be posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB XXXX XXXX To whom it may concern, Late Charges Removal You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: WV
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking account closed, the account number is XXXX, whose funds have been available to withdraw since XX/XX/2023. However ; I need the funds to be mailed as a check on the address on file. Already called customer support multiple times which refused to mail the funds to the address on file. It's already been a month since funds were available from the closed account and not having access to those funds has caused a financial hardship to myself and my family. I simply do not want to go to the back that unfairly closed my account and held the funds on it. I want the funds to be mailed as a check to the address on file

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 2016-03-01
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
1.5 years into my home loan modification, never late on a payment, Nationstar Mortgage is threatening to reverse the modification and take me to court if I do not sign new documents. They said they had to modify the documents as they made an error and ca n't file it XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was recently laid off of my full time employment on XX/XX/2023. I applied for mortgage assistance through my mortgage company Planet Home Lending. I applied to the mortgage assistance online and it took the company 2 months to tell me application was complete after many back and forth long delays in communications and my multiple attempts to get answers. After starting the application in first week of XXXX I was finally told that my application was complete in mid XXXX. I filled out the application to obtain a forbearance do to unemployment while I was looking for full time employment. I was told that I need to be unemployed and missed 6 months of payments in order to qualify for forbearance while unemployed. I was not provided a VA technician to give me options on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: The CBE Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency is reporting on my credit report. I DO NOT have a contract with this company. I did not authorize or give them consent for them to report on my credit report. I understand that no consent is considered identity theft. Also they never provided sufficient evidence that I even owed them a debt. I DO NOT have a contract with them and because of their reporting on my credit report I have been denied credit and they are causing damage to my credit report which is very stressful with sleepless nights and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Im trying to pay off my mortgage in full by means of a check issued to myself & Nationstar from my insurance company XXXX XXXX. Im having problems getting them to resolve how to get the {$25000.00} that was over the mortgage payoff ammount. First they claimed to have recieved the check but lost the notorized paperwork that was sent with the insurance check. After I faxed the paperwork they lost when I called back Customer Service said the Loss Department was the next step & transfered me to the Loss Department. The Loss department said that this had to be handled by Customer Service & transferred me back to Customer Service. When Customer Service answered again they tried to send me back to the Loss Dept. I requested to speak with a manager several times but was put on hold for up to 20 minutes & never got to speak with a manager. This has been going on for 3 days now & Nationstar will not resolve or even acknowledge this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EdFinancial Services
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to activate auto-pay on my EdFinancial account 5 times on : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I have submitted it, I have received an email stating the request has been received, and that the request will be processed in the next few days. 

Only after calling EdFinancial 's support phone number on XX/XX/2023 was I told that there was an " exception '' on every auto-pay request I have submitted, and that it needed to be manually reviewed. I was told that it could take up to 3 months to manually review the request. Also, since I submitted multiple requests, each request would reset that timer, meaning I will need to wait 90 days from XX/XX/2023 rather than from the first request I submitted in XXXX. 

At no point in the last 5 months was I aware of this exception. In that time, I have not been given the interest rate reduction required after setting up auto-pay and, as I thought auto-pay was already active on my account, I have been late on a payment. This is clearly an attempt at confusing and slow rolling student loan borrowers so they can continue to harvest the 0.25 % interest rate for months after receiving an auto-pay request.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit 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:
On XX/XX/2023. Someone charged {$430.00} to my Best Buy account from a different city than where I live. I reported this to Best Buy credit service and they canceled the card and reissued it. They also credited the charge. However, when I got the new statement, Best Buy charged my account {$430.00} x 3= {$1200.00}. On XXXX XXXX, when I called to have this corrected ( XXXX ), they said I would have to wait 60-90 days for their investigation to conclude. I told them to please credit off the account as they promised, which I was told they would and I canceled my account. Today, XX/XX/2023, I was contacted by Best Buy to bring my account current with a {$29.00} late fee and {$32.00} interest. Bringing this amount up to {$1300.00} of which I never charged. They told me to contact security operations again ( XXXX ) to correct the problem. After two months, I do not believe I should have to deal with this any longer.

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX been paid off since XX/XX/2022 of last year and its still showing a balance of {$6500.00} when account is paid off and close out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
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 have inquires hardened soft on may XXXX credit report. my information was breached and I have those inquires coming from XXXX XXXX. I have called and no one was to help me I have also filed report with the. federal trade commission and have a identity report filed with them

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 2016-02-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
AURORA LOAN SERVICE SOLD ME A PREDATORY HOME LOAN AND THE FOLKS IN A CLASS ACTION SUIT HELD IN MINNESOTA DECLARED THEM GUILTY ; SENT ME A NOTICE STATING SO WITH A {$600.00} CHECK FOR COMPENSATION. 
THEN THEY HAND IT OFF TO NATIONSTAR AFTER BEING ADJUDICATED FOR THEIR CRIME. PLEASE FIX THESE ERRORS AGAINST MY CREDIT. I LOST MY INHERITANCE MONEY TO THESE CROOKS. SHAMEFUL, XXXX.

Company response to consumer: Closed with explanation