BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016 I refinanced my home with Nationstar Mortgage company, and established an escrow account out of which taxes would be paid. In XX/XX/XXXX I received a bill from my county - XXXX , County Va - for my property taxes. I called Nationstar to make sure they would be paying taxes out of escrow and they assured me they would. In XX/XX/XXXX I received the first of many late notices from the County. I began calling customer service to find out why the payment of my taxes was n't paid, escalating to supervisors but not getting answers. Then, in XX/XX/XXXX, I received notices threatening seizure and sale of my property. During this time period - from XX/XX/XXXX to XX/XX/XXXX - I made over 15 calls to Nationstar only to receive promises that they would research my claim to find out why my taxes had not been paid. Each time I called was told they would need to do research and get back to me in 3 days, which they failed to do. I then called another service number which was supposed to be an escalation phone number. My escrow account had the funds to pay out the taxes but again I was told that there was research needed and they would get back to me but even they refused to follow up and the taxes did not get paid. Finally in XX/XX/XXXX, after receiving notices from the county that my income tax refund was being held until my property taxes were paid, I found the number of a VP of Customer relations and called to tell him my problem. Again I received promises of resolution but did not get returned calls. After recieving a summons from the County to appear in court, I emailed a copy to the VP requesting confirmation of receipt. I did not hear back from him nor anyone else at Nationstar. I found another number on the internet and I escalated to another VP. As of today, after over 20 calls to various parts of Nationstar over several months, I have another promise that the money has been sent to the county. The county has n't recognized the payment and I have 2 days to make sure the property taxes are paid or I have to show up in court. My income tax refund of over {$1000.00} is being held by the county, I have a summons to appear in court, and my previously pristine credit rating is likely destroyed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a Loan Modification on : XX/XX/XXXX to Seterus, with the help of XXXX XXXX, a complete financial package was sent to be considered for a HAMP ( Home Affordable Loan Modification ). However to start with, Lender informed that this account was " locked '' by a Law Firm, which I never authorized. 
The " lock '' was removed and with the help of XXXX we were able to send the Financial Package again on : XX/XX/XXXX. 
On XX/XX/XXXX, Lender offered me an internal TPP, however this was not a TPP HAMP, and the terms were very confused. I decided not to accept the offer and applied again specifying that I would like to be considered for a Home XXXX Loan Modification. 
On XX/XX/XXXX another Financial Package was sent specifying my desire to be reviewed for a HAMP. 
On XX/XX/XXXX Lender informed me that my package was incomplete and some documents were missing, those were sent and another offer was sent to me, with the same " confusing '' terms, meaning they were only extending my maturity date XXXX more years and did not lower my interest. However due to the fact that Lender already sent me to foreclosure, I accepted the terms and my final documents were received this Monday XX/XX/XXXX. 
Up to this point, Seterus has been unable to explain me why I was never considered for a HAMP and why they did not lower my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX is the unable to provide certification and official documents to validate accuracy to the XXXX Bankruptcy XXXX XXXX # XXXX shows on my XXXX XXXX from XXXX and Experian credit reports. They stated that XXXX is the furnisher of this date but XXXX states that they don't guarantee the information is 100 % accurate on there file. Multiple individuals, under my name shows on records, and XXXX XXXX or XXXX are reporting unverifiable and inaccurate information. 
In addition, they are furnishing inaccurate information without written permission, violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Navy Federal Credit Union has blocked all access to my account but continues to send me email notifications that my credit card statement is viewable online. However, they have disabled my online access and I have not received a paper bill in the mail in two months. This is a direct violation of the fair credit reporting act which requires creditors to provide statements to customers monthly. Furthermore, Navy Federal Credit Union is trying to place fraudulent charges back on my credit card for transactions that were not authorized by me and XXXX credit cards had fraud on them from being lost. Navy Federal has not been compliant with resolving my concern and advised that I retain an attorney. However, they can not provide me with sufficient evidence to support their claim for trying to rebill my credit card. Furthermore, since they failed to mail statements accordingly I was under the impression that I had sufficient funds in my checking account to make my minimum monthly payments but I did n't and was several days late making the payment. How am I to view my credit card statement online when my online access is frozen?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
RE : Bank Of America Student Credit Card / Timeline of ReportingThis complaint shall serve as formal notice of my Intent to file a lawsuit against Bank Of America, due to its ' blatant and objectionable disregard of the law. 

I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

This is not a request for validation or verification. 

Violations FCRA Section 611 Part ( A ) ( 1 ) {$1000.00} per violation. 

cc : Law Offices of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : Board Of Governors Of The Federal Reserve System XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXcc : Office of the Comptroller of the CurrencyXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been disputing several accounts with Experian for quite some time. Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. Not a bill but something with my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. The guidelines provided by FCRA are clear. This shows that Experian are violating my rights under this law. I sent out two separate letters to Experian and tracked delivery for confirmation that they received my dispute. Attached Is a blank copy of the letter I sent. 
The disputed items are as follows : - XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Collection Account : XXXX XXXX opened XX/XX/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 2016-06-03
Company: Navient Solutions, LLC.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
There is an old student loan that I have been paying on my son 's behalf for many years, the monthly payment on this loan is authorized to be debited from my checking account for credit to his student loan account with Navient. My son went back to school to finish his degree 2 years ago, and again borrowed money through the XXXX program to finance his last semester of college. At some point, the SECOND loan became past due, and my son thought he had worked out an acceptable payment plan that would n't burden him financially. 
Imagine my shock when I opened my bank statement this afternoon to find an UNAUTHORIZED ACH debit entry on my checking account for {$730.00}! Apparently, someone at Navient queried my son 's name/SSN found MY bank account information and initiated the payment WITHOUT authorization or notice of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America - I have left strict instructions that I should not be called on my cell phone during business hours with BofA many times. I was involved with the Country Wide Bank of America scandal back in 2008 and have a long history with BofA. Currently, I am current on my mortgage. I have been getting collection calls from BofA that are threating in nature and very rude. They were threatening foreclosure when my mortgage is not even 15 days late yet. I do n't even have a late fee at this point. I have been over 15 days but under 30 days late in the past. I have been late 1 time over 30 days in the past 12 months. To get a threatening call ( i have the voicemail ) about my account at this point is harassment. They are calling my cell phone during business hours to leave these messages. Can you help stop these harassing calls? Thanks 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 2016-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
After approving our loan and having us remove contingencies on our purchase Bank of America XXXX XXXX branch reversed their decision based on a condition that they had not mentioned at any time during the 2 months that the preapproval process took. During that time we incurred financial expenses that we are requesting the bank to compensate us for. These expenses include the non refundable escrow deposit, the property appraisal and travel costs. Note that we are respected clients of BOA since 25 years.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Delete all of these hard inquires immediately. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i feel behind on my mortgage two months later i called to make full payment the refused to accept payment asking for an additional XXXX to accept payment have been submitting loan modification paper work for five years and wells fargo and ASC keep giving me the run around also they gave me a trial run of XXXX a month for six months i complied with payments after i completed the trial run i requested my payment amount the said that was my payment and refused to give me the modification and now the refuse to look at my paper work again for a loan modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: INTERNATIONAL CITY MORTGAGE
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was recently sold to a new company : International City Mortgage. It has been impossible to set up automatic payment through their website ( the only way they have to set up automatic payment ), despite receiving confirmation emails from them that we successfully registered for their automatic payment system. We have had to pay late fees for a few months while trying to resolve this. Phone-based customer service has been completely unhelpful and was unable/unwilling to set up automatic payments. Customer service told us that receiving confirmation emails from them, stating that we had set up automatic payments, did not prove we had set up automatic payments and therefore late fees could not be waived. Automatic payments are taken out the day before late fees are assessed, so there is very little time to send a payment if things go wrong with their system ( which, in our experience, happens frequently ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To whom it may concern : All collection accounts You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

The agency cant prove I owe them the debt Ive asked for original documentation stating I contracted with them Have asked for it to be removed from credit because one or more is a Hippa violation Sincerely, 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 2016-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a mortgage payment on XXXX/XXXX/XXXX in the amount of {$2100.00}. Bank of Am. posted the payment. It cleared my bank on XXXX/XXXX/XXXX. For 2 years I have told the bank I was one month ahead on my payments from what they were showing. after fighting with them and getting nowhere, I requested a print out of my payment history from XXXX. after receiving the history, I checked every payment with my bank statements to verify each one. All checked out, However, the history showed that Bank of American posted my payment on XXXX/XXXX/XXXX, however they reversed the payment from my mortgage on XXXX. They did not refund me the money, the payment was not returned to my bank, I was notified that they did something differently with my payment other than what I have approved which was to pay a mortgage payment. 
I have sent certified letters and bank statements from my banker to Bank of America stating that the payments all cleared my bank. in XXXX XXXX, then again in XXXX/XXXX/XXXX. This still has not been resolved. At first they said they applied it to my insurance. ( this is not the case, and it was not noted on my payment history print-out that they send. ) Then they said they sent the funds back to the bank. However, they did not, their is not a deposit into my bank from them, or a check to me. and this is not noted on their history either. It is just shown that the {$2100.00} was reversed. 
Bank of America owes me the Payment of {$2100.00} Plus all back interest charged to me from XXXX/XXXX/XXXX to the date that they refund my money. Plus charges for the certified letters and statements that I had to pay my bank. And they should have to pay me for all my hours that I have put into this matter trying get their books straight. 
My mortgage has been sold to XXXX in XXXX XXXX. I have also copied them on all the correspondence and notified them that the payoff balance they have is incorrect. They have not done anything either to try and settle the situation.

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 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a credit card company that is garnishing me. And That account was open back in 2006. I thought it was going to fall off by now. As well and a car that was a lemon that I have put so much money into to parts I really paid for the car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
XXXX transactions from XXXX on XXXX duplicated on XXXX. Showing twice each, once as pending as a hold, and once as cleared. This is causing my account to be in the negative. Widespread issue according to the XXXX page. Customer service phone lines are down for the second day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX - caller ID XXXX - does not display as Municipal Services Bureau , violates ; *use the telephone to harass debtors by calling anonymously or making repeated or continuous calls *using a false name or identification ; Sec. 392.302-causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number. 
805-a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan is with Navient ( XXXX XXXX ). The disbursement date was XXXX/XXXX/XXXX and the original loan amount was {$8200.00}. Since the first payment on XXXX/XXXX/XXXX, {$11000.00} has been paid on this loan and {$9200.00} has gone towards interest. This company has reported negitively to the credit bureaus untrue information, harrassed me via phone and email, lied about not receiving payments even after they received proof. The account is 5 months past due and I have made every effort to rectify the situation but they are unwilling to work with me. Ideally, I would like to settle but for a way less amount. I called Navient on XXXX XXXX, XXXX to make an offer of {$1000.00} and they countered with {$9000.00}. This is not something I can afford. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I have gone through this process already with a complaint filed on XXXX/XXXX/XXXX. They responded and I am STILL waiting for them to get back to me .... 

Here is original complaint. 

We fell behind 3 payments to US Bank XX/XX/XXXX shortly after having a baby. It was then suggested that we apply for the " loss mitigation '' program to make a payment plan. It has been 18 months with us falling further and further behind and we are not allowed to make any payments even though we could have started paying months ago. They ask for the same paperwork over and over since by the time they send it to the " processor '' it 's expired. They just told me I need to fill out everything again for the 3rd time and I feel like this is illegal. I just want to pay the mortgage.

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 2022-10-01
Company: EQUIFAX, INC.
State: MD
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX : {$0.00}

Company response to consumer: Closed with explanation