BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-23
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender, Nationstar Mortgage seems to be having technical problems in accurately reporting my escrow as well ensuring that when I make a payment, whether it is collected from their website ( XXXX ) or just me sending in a electronic payment, whether it be additional principal payments or monthly mortgage payments. It takes quite a number of phone calls, emails and letters to try and clear this up. Recently, I was curious why I receive an escrow refund check and the same week a rise in escrow. When I phone Nationstar and spoke to someone they were rude and obnoxious and would not let me speak to higher level of management. I also applied for a refinance and no one has contacted me. I have sent inquiries about their privacy and authentication policies, because I believe my information is at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied to reduce my interest rate on my mortgage through Nationstar Mortgage LLC they then had someone from Greenlight Loans contact me. They then asked that I sign " Borrower 's certification and authorization '' five ( 5 ) times in the year 2015. Each time I asked why did I needed to resign the new form. I got a different excuse each time by a new Loan person. I wish to have at least XXXX of the requests from my credit reports. I had excellent credit before they pulled my credit each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several closed Charged off accounts on all 3 Credit Reports Transunion. XXXX. XXXX. The Accounts have been Charged off and Closed for 5 years Ive Disputed with Open Dates that are Inaccurate on all 3 Credit Reports and the Balance with Proof and they only update my Credit Report the Accounts should be Deleted due to inaccurate information and Falsely reporting On My Accounts. They are stating I cant Dispute these accounts No longer It is illegal to Report Inaccurate information according to the FCRA 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 2020-03-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is currently information on my credit and background check that should not be there my identity was stolen due to a robbery where someone took my purse with my social security card driver license credit card bank information which is causing a major impact on my credit scoring and I am now trying to resolve the issue after finding this 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 explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian credit report shows in my public records a bankruptcy chapter XXXX discharged date filed XXXX and a bankruptcy chapter XXXX petition filed date filed XXXX. I call Experian customer services but get no one the IVR just skip through questions and hang up. I emailed customer services also they emailed me back saying call customer services.

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 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Sirs. I return on my claim No. XXXX against the company Capital One, which has not given a satisfactory response to my request. 
As a reminder, they blocked my access to my online account and my credit cards, without prior notice. The excuse was that I had to verify my identity ( I have been a customer for 18 years ). 
After my complaint, I have been contacted by an official from Capital One ( Mr. XXXX - Ph XXXX XXXX XXXX XXXX - Ext. XXXX ), who kindly tried to give me a solution to the problem, but to date, he has not been able to. 
I detail the steps I did at Mr. XXXX 's direction, from Capital One : 1 - He sent me an email with the option to send a photo of my passport. ( See screenshot photo No. 1 ). After doing the procedure indicated by the system, I took the passport photo and clicked on the send option. This option did not work in at least 10 or 12 attempts ( see photo of screenshot No. 2 and No. 4, marked in red indicating that a system problem could not be performed ).

2 - Given this problem and after talking with XXXX several times, I tried to send a copy of the passport by fax, as indicated by the Capital One system ( See photo of screenshot No. 3 ). After doing so, he informs me that Capital One does not accept sending by fax, contradicting what they sent me as an alternative (?????? ).

3 - Given this, I continued to insist on the original delivery system, taking the passport photo and sending it, which in the end, I did on Saturday XX/XX/XXXX, after several attempts. ( See photo of screenshot No. 5 ).

4 - After that, it is assumed that the system would be enabled, which did not happen. Given this, I proceeded to call him twice to the agent of Capital One ( Mr. XXXX ), who did not answer me, so I had to leave messages in his mail box. I received no response I require the immediate unlocking of my online account and my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I issued a Check for {$7100.00} against my account, deposited in another Bank. 
Citibank returned the check as Has insufficient fund. 
This was not correct as I had some {$25000.00} in my debit card account, This money was with Citibank for more than one year. 
I asked a explanation, but nobody ( 4 different Managers ) was able to give one. 
They said that my account was blocked, but no explanation why was blocked, who had blocked, and no any information or communication about the block. 
3 day later they unblocked the account also without communication or justification. 
I asked for a letter to be sent to the bank where my check was deposited explaining that was a Error of Citibank the check return. They refused saying that was my error. How is possible If i had 3 times the quantity of the money available at my debit card 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 2022-04-11
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: Account information incorrect

Complaint:
My husband ( XXXX XXXX XXXX ) opened an account XXXX in XX/XX/XXXX. On XX/XX/XXXX I was added as account supervisor to my husbands XXXX XXXX XXXX 's card. I decided to get a XXXX XXXX card on my own, so I applied for a card ( while still supervisor for my husband ). Immediately I was rejected AND simultaneously removed as account supervisor on my husbands card. 
Somehow the credit agencies put me on as cardholder. After previous complaint they removed SOME of the information on my credit report. It still says {XXXX} & TERMINATED. Neither was I terminated nor did I cancel the card on my credit report. 
I NEVER HAD A XXXX XXXX CARD NOR CREDIT IN MY NAME. 
The limit is ( properly ) on credit info of XXXX XXXX XXXX. It should not be AT ALL on 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 2022-04-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To whom it may concern, Please find attached official police report from XXXX XXXX 's, GA Sheriff Office, confirming my identity was stolen on XX/XX/2022. As confirmed by police, my identify was stolen and then used to add new recipients and make fraudulent payments with XXXX using my Chase checking account. 
Below is a summary of all unauthorized payments : XXXX unauthorized XXXX payment in amount of {XXXX} sent from Chase checking ( claim # XXXX ) XXXX XXXX {XXXX} ( {XXXX} total ) XXXX unauthorized payments sent from Chase checking account ( claim # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have XXXX credit cards through Synchrony Bank. I have a Belk and a Walmart Discover Card. I just recently opened up the Belk card, although I have had the Walmart account for over 6 years now. I always pay my bills through my bank 's online Bill Pay. I went to send a payment to Belk, but thought I had the wrong address. I called my bank to have this payment cancelled so I could pay in person at my local Belk and get the correct address to send future payments to. Apparently, I did have the correct address and the payment was received by Belk and then taken away due to my calling my bank to cancel. I did go in store and make a payment and I asked the clerk what I had available on my card to see if I could make a purchase. She said I had available money to charge to the card so I made a purchase, not knowing Belk had received the payment that I cancelled. I got a letter in the mail saying my account ending in XXXX was going to be closed and no reason was stated ( Walmart account ). I called their customer service and nothing was wrong and was told my account was not closed/being closed, so I thought nothing about it. I went to check my Belk account online to see when the next payment was due and saw it said my account was closed. I called them and they accused me of check kiting (? ). To be honest, I do n't even know what that is. They would n't reopen the account and told me to call XXXX. I called them and said that Belk would have to be the one to reopen the account. At this point, I also found out my Walmart account was closed due to my Belk account being flagged as fraud. They were very rude when I called, and would do nothing to help me even after I told my story. I 've had the Walmart account for so long and both being closed will hurt my credit. I have always made my payments on time each month and usually more than what the minimum amount of payment is. I would like both to be opened back up so I can continue to pay these off and in the future keep using 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 2016-03-03
Company: Professional Placement Services, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Please review previous Consumer Financial Protection Bureau Case Number # : XXXX. I want Professional Placement Services to close the account, XXXX out the balance, have the account removed from my XXXX credit report, and not sell or transfer the account back to XXXX XXXX Bank or another debt collection agency, which in turn is going to contact and harass me for the same debt I do n't owe. I am a victim of identity theft and the debt is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX REPORTED MY ACCOUNT WRONG TO THE TRANSUNION TRADELINES. I SPOKE WITH THEM ON XX/XX/2020 IN REGARDS TO MY ACCOUNT. ON XX/XX/2020 I PAID MY ACCOUNT OFF. I WAS TOLD BY THE REPRESENTATIVE THAT THE ACCOUNT WAS NOT IN COLLECTIONS AND IT WOULD BE REPORTED AS PAID IN FULL, I HAVE DOCUMENTATION FROM THE COMPANY. I GET A NOTIFICATION FROM TRANSUNION THAT XXXX REPORTED MY ACCOUNT AS CHARGED OFF. I CALLED ON XX/XX/2020 AND SPOKE WITH A REPRESENTATIVE WHO SAID THE COMPANY MADE AN ERROR AND THAT THE WAS SENDING A REQUEST TO HAVE THE ACCOUNT REMOVED FROM MY TRADELINES. I ALSO HAVE THE CONVERSATION RECORDED. TODAY I RECEIVED A NOTIFICATION THAT THE ACCOUNT IS REPORTING AS PAID AFTER CHARGE OFF WHICH IS NOT TRUE. 
I HAVE TRIED TO CALL THE COMPANY NUMEROUS TIMES AND I AM NEVER ABLE TO SPEAK WITH A SUPERVISOR REGARDING THIS MANNER. THIS ACCOUNT WAS NOT IN COLLECTIONS OR CHARGED OFF WHEN I PAID IT IN FULL, IT WAS PAID OFF XX/XX/XXXX. PRIOR TO THAT, I MADE ARRANGEMENTS TO PAY IT OFF ON THAT DATE. THE ACCOUNT WAS STILL OPEN. 
XXXX XXXX LIED TO DESTROY MY CREDIT

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 2022-09-04
Company: EQUIFAX, 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 Reporting act XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions 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 Reporting act XXXX XXXX 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

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 2019-11-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hard inquiry was shown on my credit report which I do not owe. I never opened an account with XXXX department store. I am reporting this debt as an identity theft complaint. I have never been contacted by this company and only found out about this until it showed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, 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:
on XX/XX/XXXX i was alerted that someone pulled my credit report from XXXX  for transunion and XXXX... ..i have not given anyone permission to do so

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 2022-04-11
Company: Paypal Holdings, Inc
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I transferred {$2500.00} from XXXX to PayPal using the PayPal phone app. On XX/XX/XXXX, I transferred {$250.00} from PayPal to XXXX using the PayPal phone app. On XX/XX/2022, I tried to transfer money from PayPal to XXXX using the PayPal phone app and it was denied. The PayPal phone app displays the message Theres nothing to transfer right now, but my PayPal shows a balance of {$2200.00}. Thats when I began contacting PayPal Assistant. PayPal has closed every communication with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, 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 Reporting act XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 will be 2 issues on here but both involve TransUnion on XX/XX/XXXX I filed a complaint thru CFPB complaint # XXXX against TransUnion & stated the following : my mortgage is with XXXX XXXX XXXX XXXX since XXXX of XXXX I have never heard of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. thank you on XX/XX/XXXX this is the response I got from TransUnion : After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. Based on your request, we sent you a letter to inform you we were unable to locate a credit report for you and included a list of acceptable documentation and instructions on where to send them if you would like for us to re-check our records. 

Firstly I have received NO such letter & secondly, what do you mean you were unable to locate a credit report for me?!?!?! 

I have an account with you at https : //service.transunion.com/dss/login.page? & had been logging in occasionally & monitoring my credit report for a while now I have NEVER heard such a thing, I most certainly have a credit report. 
HOWEVER I will say that these last few weeks I have been able to log into my TransUnion account but I have NOT been able to VIEW my credit report now for weeks! I dont know what the problem is with TransUnion or their website but I click view credit report & the wheel that shows its loading just spins & spins & spins. 
I have tried their online chat & spoke to someone named XXXX who not only told me that someone would call me & the phone within 3 business days, which NO ONE ever did call me, but also he was apparently speaking to another customer at the same time & actually called me her name!! XXXX something I forget her last name. Which was outrageous & seemed like quite the breach of trust and privacy to me. I hope none of my information was accidentally given to anyone. 
And after waiting & not getting any call I tried to call TransUnion this time & spoke to someone about trying to fix their website problem & this time they actually deleted my whole account & had me create a whole new account & STILL it didnt work I encountered the exact same problem after all that

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