BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit 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:
on XX/XX/2023 i received an email from Capital one and its affiliates. The E mail was in regards to class action lawsuit settlement. My settlement amount was for $ XXXXThe E mail explained that on XX/XX/2023 i would receive a follow up email in where i could respond to the follow up XXXX mail and choose how i would want to retrieve my settlement amount. on XXXX i opened up the E mail and i had XXXX options on how Capital one could hand over the settlement amount of XXXX. The process to make your selection was extra simple, i think i only had to click like maybe XXXX time or no more than 2 times. After selecting the virtual master card option it was like walla your money will be virtually deposited in to a virtual card via E mail. I soon realized that the card was going to almost be impossible for to use. I immediately XXXX the call was made soon after i had some questions and also requested to have the virtual card cancelled and to send me a physical paper check. I spent XXXX minutes on the phone although the wait time was about XXXX minute the agent that took my call was unable to assist me or even cancel or even explain certain questions. The agent provided me a contact XXXX. On XX/XX/2023 i emailed XXXX and on XX/XX/2023 i received an e mail from XXXX. XXXX in her E mail told me to call XXXX on XX/XX/2023 i called that number 2 times. Both times after answering my calls each agent that took my call hung up the phone with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX XXXX I, XXXX XXXX XXXX residing at property XXXX XXXX XXXX XXXX, XXXX, GA XXXX purchased the home in XXXX and refinanced it with XXXX XXXX Loan # XXXX on XXXX/XXXX/XXXX. That loan was sold to XXXX Loan # XXXX and was taken over by XXXX XXXX XXXX Loan # XXXX when they went under and held the loan for the years XXXX and XXXX then to XXXX Mortgage Loan # XXXX and to XXXX Loan # XXXX then eventually to Nationstar Mortgage - Loan # XXXX which is the current servicer. 
During the time the loan was being serviced by XXXX XXXX. I experienced some hardship and requested their assistance with a modification to avoid foreclosure when I was informed that they had not received any payments for at least 12 months with which I disagreed and thereafter received what seem to have amounted to a refinance for 30 years which included a second mortgage in the amount of XXXX. 
In XXXX I requested the assistance of the XXXX XXXX, a XXXX Certified non-profit counseling agency, to apply for a modification and was given a 3-month trial of which payments were made on-time and was offered a final modification with terms extending the balance to a 40-year loan maturing in XXXX which was to be signed and returned by a specific date. 
In reviewing these documents I noticed that an area was incomplete on the Agreement To Maintain Escrow Account ( page XXXX of XXXX ) and the balance in question seem incorrect from the years I owned the home. 
I am attaching documentation that may be helpful in getting to the bottom of my concerns in assisting me with my file. 
I appreciate your cooperation in this urgent matter. 
Regards XXXX XXXX XXXX Contact Information : XXXX Email : XXXXXXXXXXXX Encls : Nationstar Trial Modificaation Nationstar Final Modification XXXX Final Moiication XXXX Mortgage Interest Statements - XXXX XXXX XXXX - XXXX & XXXX - XXXX Mortgage - XXXX - XXXX Mortgage - XXXX and corrected XXXX - XXXX - XXXX XXXX Settlement Statement - XXXX XXXX Copies of bank statements can be provided if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: CA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX we lost our home to our a fire. The home was a total loss and in accordance with Georgia law, our insurance company paid us the coverage maximum on our house. We endorsed our payment check and sent it to our mortgage company Nationstar Bank in XXXX XXXX. Since recieving that check, Nationstar has not been of any assistance to us at all. We originally told Nationstar that we were going to act as our own general contractors to which they said fine. we started taking the steps to rebuild our home and 6 weeks later Nationstar told us that we could n't build our own home. We called them and explained we were n't actually building the house but would be managing the sub-contractors who would be. They said fine. At this time I clarified payment procedures and was told what I needed to submit in order to get the sub-contractors paid. I followed up this conversation with a written letter confirming what I had been told. 

As of XXXX XXXX, XXXX, Nationstar has still not released funding to start the construction of our home. Because of some issues we ran into with our septic system, we decided on hiring a contractor. All applicable paperwork required by Nationstar has been sent in to them. We need them to release funds to our contractor and also to reimburse us for funds we expended that we were told we would be reimbursed for. We called and complained when they said they were n't going to pay us. Approval was granted to pay our reimbursement by corporate headquarters but when I called today to check on the status of any payment, I was told that we could n't be reimbursed until 90 % of the home was rebuilt, something that was never ever told to us. We just want to get this process done and our home rebuilt, something Nationstar in apparently not interested helping expedite

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have imbound account ( Escrow ). The collector company collect Monthly payments to pay for property taxes and home insurance. I bought my house in XXXX 2014. The collector paid part of the property taxes and did n't pay the supplemental taxes which is the difference between the old assessment and the new assessment. The new assessment is related to the new purchase value. I sent the Tax and the Supplemental tax bills to the collector. I reminded them two times to pay the supplemental taxes and they kept telling me that they get tax information directly from tax collector. I contacted the tax collector. He confirmed the the supplemental tax is due and their is a late fee. Attached XXXX projected Escrow show the estimated value of the Property Taxes. XXXX was the collector before transfer it to Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an HSBC account in the United States in early XX/XX/2023. After the account was successfully opened, I applied for a credit card together. After many times of communication and supplementary information, my application was approved. During the process of mailing the card to me, I did not use it, nor did I have any operation in my bank account. They froze my checking and credit card accounts for no reason, and I was repeatedly asked to be patient, from the first 3 to 5 business days to the next uncertain time, I kept waiting for more than a month. I can only complain to CFPB. After HSBC in the United States knew about the complaint of CFPB, they sent me an email to deal with it. When I asked them how long it would take to deal with it, they didn't reply any more. It has been nearly a month since the last complaint from CFPB. I tried to contact HSBC in the United States by phone, but they still couldn't deal with my problem, so I have been waiting for it. I came here this time to complain, I hope they don't discriminate against us because I am XXXX and hold a XXXX passport, we just want to receive fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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:
on XX/XX/XXXX i requested I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


on XX/XX/XXXX i requested I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this 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 2023-12-02
Company: Experian Information Solutions Inc.
State: AR
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: Was not notified of investigation status or results

Complaint:
The XXXX XXXX account reporting on my consumer report is incorrect and needs to be removed. Every alleged account is reporting inaccurately and erroneously, which is grounds for removal under the direct violation of 15 USC 1681 ( Reporting incorrectly ). Please have them COMPLETELY REMOVE THE ACCOUNT because I have given them plenty of time to conduct a full and complete investigation on this inaccurate and erroneous account. Please don't just have them do it by eoscar ; my life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper 5-step validation procedure, making this an unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. I will attach all documents to this complaint. Companies have failed to investigate this account which is a violation of the FCRA AND FDCPA LAWS.

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 2016-05-02
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a home equity loan with Nationstar for XXXX and I defaulted and they filed to foreclose and I did n't want to lose the house so I filed bankruptcy and tried many times to get a modification well they finally did the modification but I originally had the home equity loan for 15 years well now they modified it for 40 years and I will have to pay back on XXXX the house is only worth say XXXX I do n't have access to this account via internet or website they claim because I am currently in bankruptcy and it 's really annoying me that I ca n't get any information on the website. They need to go with the original amount and the original term XXXX for 15 years period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-09
Company: National Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against National Recovery Solutions , LLC for committing identity theft. I have never given National Recovery Solutions , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from National Recovery Solutions , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If National Recovery Solutions , LLC INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until National Recovery Solutions , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and National Recovery Solutions , LLC continues its collection efforts, I will file for litigation for actual damages caused, and National Recovery Solutions , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I am also requesting the original purchase agreement that shows you are the legal owner of this alleged debt, please include all the terms and conditions that are included in this purchase agreement. please respond as soon as possible in 30 days or less with the previous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
These inquiries are too old to be on the report : 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 explanation
Consumer complaint received 2016-05-01
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For the past two years, my mortgage was sold from one company to another, while I was in modification process, by the time the process goes thru, my mortgage would get sold. then I would have to start all over again with the other company. I have dealt with XXXX mortgage companies in the past three years, this last company Nationstar has been the worst, they dragged me thru this modification process, just to deny it and refuse to do anything, stating me its too late, I am desperate and very upset and do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All 3 credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. 
As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. 
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  I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek a clearly defined timeline for resolution and regular updates on the progress of my dispute. 
As a consumer, I firmly believe that it is my right to have my concerns addressed in a timely and diligent manner. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served. 
I trust that this letter underscores the urgency of my situation. Thank you for your immediate attention to this critical issue.

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