BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The loan was sold to another company and they were late the 1st month getting us a proper statement. The 2nd month they have n't credited the $ 's immediately to our account AND did n't send out a statement promptly to show monies received and the statement for the next month. They processed the statement on XXXX and we received it on XXXX, with the payment being due XXXX. They are well aware that they are not processing and sending these statements out in a timely matter. We want to send our payment in before the first of each month WITH A VALID STATEMENT REFLECTING THAT LAST PAYMENT RECEIVED. I expect to my payment to be applied immediately and receive a statement reflecting that, with plenty of time to pay by the first of the month to allow for mail issues. The company name is Nationstar Mortgage XXXX XXXX XXXX, XXXX CA XXXX

Company response to consumer: Closed
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: MD
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX Balance XXXX {$960.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$710.00} XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have several issues with Mr Cooper aka Nationstar Mortgage. I am currently having an issue obtaining payment assistance due to unemployment. I was approved for an unemployment plan for {$500.00} a month for 6 months with XXXX XXXX in XX/XX/XXXX with a first payment due XX/XX/XXXX. I made the first payment then a week later was told my modification was rejected. After several calls and voice messages I spoke to someone last week and they stated they would send for research and call me back in 72 hours. I never received a call but got several other letters stating my modification was rejected and that I was unable to be approved for any other modifications due to 3 or more modifications. I have only had one modification to my knowledge. I spoke with a representative XXXX XXXX today who stated he would send my information for review again as he doesnt see where I have had 3 modifications either. He also stated that the reason why the payment plan was rejected was that XXXX XXXX did not offer it and it was approved in error. Please help, I do not want my home to be foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: EQUIFAX, 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 submitted a complaint against EQUIFAX on XX/XX/2023 and on XX/XX/2023 about reporting an inaccurate account on my credit report. I dont owe XXXX a debt, I have no open account with XXXX XXXX In fact they agreed to be removed from my XXXX XXXX XXXX credit reports because they violated FCRA law and now EQUIFAX is violating my rights as well. I originally filed a dispute against XXXX regarding the inaccurate reporting & discrepancies reported on my consumers report on XX/XX/2023 which gives EQUIFAX, XXXX, & XXXX 30 days to correct the inaccurate information or delete the account, and if failed to do either of those you will be held liable for statutory damages for violation of federally protected laws made for consumers by the FCRA & FDCPA. XXXX & all 3 of the Credit Reporting Agencies failed to comply with FCRA law therefore violating my rights. 

Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law.

Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX continues to report and attempt to collect a past due balance, despite my continued disputes, on a collection listed on my credit report. This debt has been paid in full since XXXX of 2023.

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 2023-10-09
Company: SYNCHRONY FINANCIAL
State: TX
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:
I have been using PayPal for over a year and recently PayPal changed their usage structure without notice.

Now I am unable to make payment or purchases with my available credit " unless it is an approved purchase and approved vendor. '' I have an open line of credit that is in good standing but can nolonger access it as needed as before but am still being charged usage and interest fees without an ability to make any use of the line of credit.

They are forcing clients to open separate accounts to be able to use account properly. They have been pushing a debit and savings accounts that are now needed to use credit lines.

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 2023-10-09
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan with AidVantage is still showing as current as of XX/XX/XXXX My account with AidVantage was closed and moved to XXXX as of XX/XX/ ; however my credit report reflects that I have a student with both AidVantage and XXXX. I ONLY ( not screaming ) have a federal student loan with XXXX! Please have this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Bread Financial Holdings, 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 am writing to bring to your attention the unresolved issue concerning late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with the late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

CB/XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar LN XXXX XXXX Palm XXXX XXXX XXXX, CA XXXX XXXX XXXX Nationstar and XXXX continue to use horrible pictures ( professional pictures were given to both Nationstar and their surrogate XXXX ) show open toilets. Nationstar and XXXX refuse to use the pictures they demanded that we provide. Instead, they are using photos that appear to have been taken by someone who was drunk. 

The property includes a solar lease that must be transferred to any buyer that wins a bid on this property. Nationstar and XXXX have been told this multiple times and have been sent a copy of the solar lease and REFUSE TO DISCLOSE THIS to potential bidders. 

This is the third time that Nationstar has run this through their fake auction system in a vain attempt to secure a XXXX % buyer 's premium. They want a buyer to pay $ XXXX. There has not been a comparable home that has sold for that price in the last 8 years. 

Nationstar is refusing to provide a copy of the BPO that supposedly supports their opening auction price. We have been told that their value changes on a daily basis, which makes us wonder they are getting this value. Even XXXX shows this home is only worth $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: NC
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:
Inquiry from XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XX/XX/XXXX XXXX - XX/XX/XXXX - Equifax XXXX  XXXX - XX/XX/XXXX - Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I believe these inquiries were made without my permission or are inaccurate. I have not applied for credit with these institutions or authorized anyone to do so on my behalf during the mentioned dates. As a result, I kindly request that these inquiries be investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After three years of dealing with Nationstar through an attorney and thousands of dollars of erroneous fees and attorney fees that have not been recovered, this account was recently modified. 
While waiting for the escrow analysis to be completed in XX/XX/XXXX, the XX/XX/XXXX payment was sent in for {$1300.00}. 
Once the escrow analysis was completed, the payment of {$1300.00} was calculated. 
This amount is incorrect because it was calculated before the credits were applied. The credits were due to us due to Nationstar 's improper application of insurance from XX/XX/XXXX-XX/XX/XXXX and the accumulation of erroneous fees. 
With a new loan term and appropriate credits applied, the payment calculates to {$1300.00}. 
We have brought this to Nationstar 's attention and have been put off with replies from representatives telling us " we do n't reamortize ''. The loan was NEVER properly amortized in XX/XX/XXXX. 
Please answer the questions we have written and called about since XX/XX/XXXX : 1. Where did the overage go from XX/XX/XXXX payment in the amount of {$1300.00}? We did not ask for this to go to the principal. 
2. Where is our correct statement of escrow credits and correct new payment after modification and credits? 
3. What is the additional {$8.00} added to monthly payment shown on the escrow statement? 
4. Where is our refund of the {$9.00} fee that was charged for the XX/XX/XXXX payment? ( Our XX/XX/XXXX payment was sent in by check. The check was sent back to us on XX/XX/XXXX stamped received by Nationstar on XX/XX/XXXX. The note said borrower information unknown. We were assured by Nationstar representative that there would be no late fee applied due to this error. We paid online to avoid a longer wait by mail. The fee was not removed or refunded as of now. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: B9, Inc.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023, I attempted to transfer my paycheck from my B9 underwritten by XXXX Bank XXXX XXXX account to my XXXX  XXXX  account. The initial attempt was {$570.00}, and XXXX XXXX declined the request. I attempted other amounts & they were declined as well. The money was taken my account & is in pending status. I contacted B9 & I was told it was a known issue & they were working through the issue with XXXX XXXX. At this point I had another failed transaction, but the funds were removed from my account for {$43.00}. On XX/XX/XXXX, I was told by B9 that the issue with XXXX XXXX with resolved but they could not release my funds bc it showed processing & I was denied a supervisor. I have bills & I need my money to be released & this company is holding my money & I think it is for investing purposes while I struggle financially. I am experiencing emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by Aldous & Associates in regards to a blink fitness debt that I do not recall acquiring after speaking with them on the phone they said the original dent was {$20.00} but they are looking to collect {$140.00}. After repeated phones to the company to get clarification they couldnt provide me with any information and sent the following email 6 times : Unfortunately, we still havent received your payment of {$140.00} owed to XXXX XXXX. This has been past due since XX/XX/2022. If there is a reason for this delay, please let us know. We have contacted you hoping we can resolve this quickly. Please pay the outstanding amount as soon as possible. You can pay {$140.00} conveniently online at the link below The representative threaten to report to my credit and show as delinquent after numerous. Once I let them know I would report to FTC they hung up the call and any time I mention the FTC any representative I spoke with would hang up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently tried to deposit a check on behalf of my incarcerated boyfriend. He had received a {$3500.00} check from XXXX XXXX XXXXXXXX as part of a bail settlement stemming from a recent class-action lawsuit. I endorsed the check and deposited it online into my personal account with Chase. Soon after, I found my account frozen, and I received an email stating my account had restrictions. 
On XX/XX/XXXX, I contacted Chase to explain the situation. They advised me to visit a local branch with my identification to resolve the issue. I followed their guidance and visited a branch on XX/XX/XXXX, where I explained the circumstances to the representative. Interestingly, they mentioned uncertainty about why I was directed to the branch and suggested contacting Chase over the phone. 
The branch representative made a call to Chase on my behalf and asked a series of questions. Following this, they conveyed that Chase would not only hold the funds from the check but also freeze the funds I had in my account prior to the check deposit. Chase informed me that unless the payee could verify his identity and provide a confirmed contact number, they would close my account and retain the {$3500.00} check indefinitely, with the possibility of handing it over to the state after XXXX years. Furthermore, they indicated that I would no longer be eligible to maintain an account with them. 
I have been a loyal Chase customer for over XXXX years, and this situation is causing me a huge financial strain and inconvenience. The fact that they won't even return the verified check is beyond me. This has put me in a difficult position, and I am left with limited options. I believe the situation is unjust and unfair. At this point, I am unsure about my next steps and which is why I am filing a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: PatientFi, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Firstly, I have received two letters from the CFPB stating that someone OTHER THAN ME appears to have submitted complaints in my name. 

NO ONE ELSE DID THIS! It was me, so please STOP deleting my cases! 

They are 100 % submitted by me, & only me. So PLEASE stop assuming it was someone else, & please address my complaints : I had 2 medical procedures. I originally got funding through Patient Fi, but after the procedures, & it appears my 2 loans may have now been transferred or sold to XXXX ( XXXX XXXX XXXX ) and then sold onto XXXX. My credit score was over 700, & I was given a 14.9 % interest rate!! I thought the highest legal interest rate in the U.S. was 10 %, before it starts getting into predatory levels. Not only is the interest rate very high on these 2 loans, but my account was sold from Patient Fi within the first month, AND it takes them over 30 days to reply to my email messages when I contact their customer service. I contacted then on XXXX XXXX, & didnt get a reply until XXXX XXXX. I have attached a copy of the email below. What can be done to help me alleviate this high interest rate? What are my rights? This complaint needs to be sent to PatientFi ( not XXXX ). Please note that XXXX has already been contacted, & they informed me that PatientFi needs to handle this compaint. ( COMPLAINT ID XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX Date opened XX/XX/XXXX for amount {$2000.00} I disputed the account multiple times and requested a validation letter to verify information and to delete. My last dispute was XX/XX/XXXX and it came back verified without the information I requested.

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 2023-10-09
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2023 I purchased a vehicle and Ally Auto approved me for a loan for the amount of $ XXXX 15.99 % APR On XX/XX/2023 I made my first payment of {$870.00}. I waited a few days for the payment to process and I checked the outstanding balance. The outstanding balance is still {$41000.00}. 
So I called Ally Auto, and the lady I spoke with told me that the money went all towards finance charge. I asked her what was my APR rate and she confirmed it is 15.99 %. So I asked her, why did the bank take 100 % of my payment? She then broke down to me how much money goes towards the interest and how much goes to the principal. She said {$140.00} is supposed to go towards interest and {$730.00} towards the principal amount. She said she will put in a request to fix the problem. I waited over a week and saw nothing changed so I called again. Still the problem hasnt been resolved and now they are asking for the next payment which is due XX/XX/2023. At this point I dont trust Ally Auto anymore.

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 2018-09-12
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To start off i was behind in my mortgage payments due to a divorce. My ex wive was on the deed but not on the loan papers. In the divorce ex wife singed a Quit Claim Deed releasing her rights to the home that we shared. I applyed with mortgage company for a loan modificaton. I have finished my trial period and received the final modification papers that had my ex-wives name for her to sign. I called them to see why her name was on the papers and they told me that it was HUD/FHA guideline. I called HUD and FHA and they both said that ie was not true, so I called mortgage company back and told that this information came from there legal department. So now they are controdicting what they told me the first time. I have finished my trial period and am ready to sign final modification but I don't know where my ex-wife is and she is not willing to sign forms. I thought that since she signed the Quit Claim Deed that superseeded the first deed we signed. I have until the XXXX XXXX XXXX to send these papers back or they said that i will not be eligibe for this modification. I have attached a copy of divorce decree, and Quit claim deed. Modification was to large to attach. Please help me.

Company response to consumer: Closed with explanation