BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-27
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our new mortgage service, NationStar Mortgage, ever since they became our servicer, we are constantly harassed that our mortgage payment is either late or not received complete. When not only do we pay our mortgage on time, but above of what is actually due, so extra funds can go to principal. 

This is an occurrence we now have to deal with in a monthly bases, as every month we are getting harassed by NationStart collections, every time we make a payment. And every time they apologize with telling us it was their mistake ... But every month we hear from them again ... 
We will like to enjoy our home as we are suppose to in piece ... not constantly being harassed, put under stressed and deteriorate our health ... .due to stress ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I owned property in XXXX, XXXX ( I live in XXXX ) that was declared it in my bankruptcy discharged XX/XX/XXXX. The property was not officially foreclosed and sold until XX/XX/XXXX to The New York Bank Of Mellon. The only way I found out this information was when I tried to purchase property XX/XX/XXXX and the underwriter found my name on the property. They informed me that I would not be able to get a loan until 3 years after the foreclosure " sold date ''. I waited the 3 years ( XX/XX/XXXX ) and now am told the attorney ( acting as title company ) never deeded the property to The Bank of New York Mellon, and it still was in my name up until XX/XX/XXXX. I am currently trying to purchase property and the mortgage professionals are stating that the date they use for the 3 year starting date is now XX/XX/XXXX XXXX the date the title was taken out of my name ) NOT the foreclosure sale date of XX/XX/XXXX as originally stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I requested XXXX retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, XXXX was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with XXXX retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, XXXX should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, XXXX has yet to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  XXXX has had my loan since XXXX ( most recently ), till today/ where they transferred it to Fay Servicing. Prior to this it was with FAY and then prior to this, transferred to XXXX 2nd time. and now with fay again. 2nd time. They do this every time i am late on payments. a few months, where i paid on the XXXX rather then before the XXXX. Loan is current. 

Fay Servicing is a sister company to XXXX. It seems they do this swap every time there an ability to go after the owner for foreclosure or late payment or in my case, forced placed insurance. Their reviews online have made me extremely wary to what predatory practice they are trying to achieve. 

I can't get homeowners insurance without purchasing a new roof ( unattainable at this time ), I agreed to XXXXXXXX XXXX forced lender insurance policy amount. They sent me the declaration and all was fine. Till today, I find out XXXX XXXX ' my mortgage to Fay service , and they aren't accepting that declaration. I have a letter from XXXX stating ' they purchased " this insurance. if its purchased with my escrow money, it should be honored. 

I have to go thru the entire process again. I will be backlogged with payments since XXXX XXXX when my Wind insurance lapsed. I have XXXX policies XXXX XXXX, and XXXX  ( forced place ). or i did. Fay is now telling me they will need to re address this. Call me 'psychic ' but, i can see what they are going to try and do... create a Wind policy that is going to be so exhorbitantly high that i won't be able to pay it. Wind policy from XXXX was XXXX which is a decent amount. 

I am asking for help to stop this kind of predatory behavior. I have been in this house 20 years. Sometimes struggling. and asking that Fay honor the declaration / insurance that rushmore bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
This is the second time 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 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Inaccurate items on my credit report came back as " verified ''. The items are incorrect and there is no way that if an investigation actually occurred that the incorrect items would be " verified ''. I've attached a document that I have mailed to the CRA via certified mail, asking for detailed PROOF of their investigation and demanding that the inaccurate accounts be deleted.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: NJ
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 have not only faxed you but will fax again tomorrow this letter that is attached with thorough information regarding all reports .... this needs to be taken care of immediatley as i am XXXX XXXX and XXXX and need to move asap and this is preventing me from moving closer to my treatment center!

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 2017-02-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar filed a 30 day late notice to all three credit bureaus after I was late in XXXX 2016. I paid XXXX 2016 and informed them that I would have to make a double payment in XXXX 2016 for both XXXX and XXXX. I followed through with my XXXX and XXXX payments on XX/XX/2016 and have been current ever since. Nationstar filed a 30 day late notice with the bureaus which has negatively impacted my credit score. Additionally, they called on me to refinance our mortgage since we have equity but declined due to my credit score which was adversely impacted by their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
I booked a rafting experience ( {$270.00} ) on XXXX in XXXX using my Bank of America credit card. However, this website had bugs displaying my shopping cart and the checkout pages, it showed only the item ( {$270.00} ) I wanted to book on pages as I checkout but processed one more item ( {$280.00} ) when my payment was submitted. 

The unexpected item ( {$280.00} ) is something I browsed in another page but never showed in the checkout pages. The two items are rafting experiences from two providers on the same day with only 15 min difference, which means I can never take both. 

I contacted evendo.com immediately, but they are a company in XXXX and didn't respond until the second day. They said they would contact the provider but the provider refused to refund with a less than 24 hr window. XXXX didn't take their responsibility in the poor website design causing issues. 

Therefore I also did call BoA credit card department and told them the issue that I didn't authorize the purchase of the unexpected item. But the representative suggested me to wait the transaction posted and then submit a dispute. 

I did what BoA suggested and after two months they ended up a decision to deny my dispute. And I still got the unexpected item charged ( {$280.00} ). 

Now as I want to appeal their decision, BoA want me to provide evidence that XXXX has bugs, which means I need to pay for something on XXXX  again to reflect their error, which is really disgusting. And when I check their website now, two after my reporting, XXXX already fixed their error in refreshing shopping cart and checkout pages. I am unable to provide the evidence. 

As I checked XXXX XXXX  and XXXX reviews, many people had issues with XXXX. This website is an unprofessional third party travel agent.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since my last complaint against Experian, they have blocked me from signing in online to phoning in and reaching a person, their excuse is information, not file, not able to find me. etc. I have no words to describe this company 's actions and we as a society allow them to play such an Import role in our futures. I am completely at a loss for words related to the actions this company has resorted to.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have multiple inquiries that I have not authorized, I have an account showing missed payments when I paid as agreed, and an account that have incorrect information such as last payment balance.

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 2023-09-26
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got a missed payment email yesterday for payment due on XX/XX/XXXX. I had set up automatic payments which I thought was enabled. Further investigation on my part showed that I also had a missed payment in XX/XX/XXXX. Per my conversation with customer service rep, TD bank card services changed they automatic payment process. Further conversation indicated that i have not received a paper statement in a while which is my preferred method. Per the rep I would have had to request e-statements and when she tried to help me navigate to the option to enable paper statements but the option doesn't exist to opt in or opt out of paper statements. Per rep mailers were sent out regarding the automatic payment changes via mail, then I stated that I have not gotten any correspondence from them except a letter notifying me of my credit limit decrease back in XX/XX/XXXX. Also they noted that credit limit decrease was due to late payment which was supposed to be an automatic payment. Furthermore I got a total of {$69.00} in late fees as result and apparently they are charging a fee for charging interest. So i get a fee for charging interest after they charge me interest. This is a classic case of predatory practices. In regards to my credit limit decrease they also cited delinquent accounts on my credit report. I checked with all three bureaus and there are no delinquent payments in my history except for one in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$60.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: TX
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 checking my credit report and noticed I had inaccurate information on my payment history the dates are inaccurate please remove this account because its reporting inaccurate information, I sent a dispute letter to all three credit bureau, I need this account removed, Ive attached the inaccurate Payments history information from all bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Some one use my information to apply fir credit card and fill for loan i need fill dispute and remove the inqurei

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 2023-05-26
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:
There is information that is on my consumer report that is there as a result of Identity Theft. I did not provide written permission or instructions for the identified transactions to be placed on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block this information is not being made in error : nor is my request to block this information being made on the basis of material misrepresentation of fact be 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. See the identity theft report for more details.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I just want to know why the 3 credit agencies are allowed to only raise a person 's score by XXXX points when always being on time and never missing a payment. But I started working with a credit card debt company and Transunion drops my score XXXX points. They are so quick to drop my score but no one can get a good credit score because they take forever to raise it and then only raise it XXXX point.

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 2017-02-21
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NATIONSTAR is manipulating the numbers ( costs ) shows on my ESCROW ANALYSIS. I received my escrow analysis on XXXX/XXXX/17 and it was incorrect because it showed PMI. I requested an updated escrow analysis be performed on XXXX/XXXX/17. With the new analysis, to my surprise, the result is the same : " There is a shortage of $ XXXX '' ; however, the new anticipated annual disbursement without PMI is nearly {$1000.00} less. So I need NATIONSTAR to explain to me what calculation do they do to estimate the lowest projected balance and the minimum required balance. I have both escrow analysis for review upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is in reference to existing CFPB complaint XXXX. On XX/XX/2023 I contacted Bank of America Fraud Dispute Department and requested copies of the evidence the merchant provided to the bank so I can review their evidence and challenge, but the bank has refused to send me the requested documents. Bank of America is also using the same flawed automated fraud filter for deciding all fraud disputes. See CFPB 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 explanation
Consumer complaint received 2023-09-13
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit Services , Inc . 

They hit my credit and when I called to rectify the situation, I was bamboozled into giving them my personal information. 

I dont know any debt to XXXX XXXX. The debt is not mine that they are claiming. 

Im not the only one. Please review their XXXX reviews. Many victims. Please shut this company 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 2017-02-22
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
So they sent me this, " Your account has incurred a late fee of {$15.00}. To avoid impacts to your credit, please make a payment by XX/XX/2017.If you ca n't make a payment today, please complete a Promise to Pay form. This will reduce the frequency of the contacts you receive. And you can always call us at XXXX if you need help staying current on your loan. '' The problem was that about one month ago I was told by Nationstar that I was a complete payment ahead of schedule so I had them apply the outstanding money to the loan. Nationstar Mortgage said they would honor the payment terms from XXXX XXXX XXXX ( previous mortgage servicer ). I was using equity accelerator at XXXX and making half payments every two weeks, Nationstar said they would keep this the same. So my guess here is that when they lied to me about being one month ahead ( I think I was actually 1/2 a payment ahead ), so when they applied the complete payment it put me 1/2 month behind, thus the fee they are charging me. This company has the worst customer service I have ever endured, the representative lies to me every time I call and can not pull up my account to even see what is going on. I have to be transferred to someone else every time to actually get any help.

Company response to consumer: Closed with explanation