BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage lender ( XXXX  ) sold my loan to Flagstar Bank. Simultaneously, I started working with XXXX XXXX  to refinance my loan. This is important to note that I did not choose to engage in business with Flagstar. XXXX XXXX paid of my loan on XX/XX/21. See attached documents for entire history with Flagstar. The payoff amount that was sent created a refund of XXXX, plus an escrow balance of XXXX created a total refund owed to me of {$4000.00}. I had never needed as refund before so I call Flagstar around the XXXX of XXXX and ask how it would work. They said they had 20 days to return the money and the check was scheduled to be mailed on XX/XX/XXXX. On approximately XX/XX/XXXX I received the original promissory note showing the loan paid off but no check. Per the envelope it was mail on XX/XX/XXXX. I called back around the XXXX and ask why I hadnt received the check with the note. They said the check could take the mail another 15 days. This made no sense. After having not yet received the check as of XX/XX/XXXX, I called back. A stop payment was put on the check and I was told a new check was going to be mailed out. I asked if the check could be sent XXXX  with tracking, ideally overnight. XXXX  manager was supposed to call me back. I did not get a call. After waiting 8 days and still no check I called back on the XX/XX/XXXX. I was told the check was created on the XX/XX/XXXX, but a manager was supposed to call me back to see if the funds could be wired. On XX/XX/XXXX, I called back and was told the check had been mailed on the XXXX. I asked for a wire to be send instead because the original check never made it to me, even after stop payment and the second check already appeared to be lost. The second check hadnt yet arrived after 5 days after the promissory note proved the mail only takes 2 days from Michigan to Colorado. The reps have lied, been deceitful, have not address the issue, are non-compliant with the regulation around refunds by mortgage lenders. They have placed the blame on the postal service and refused to seek alternative remedies such as wire transfers or XXXX  with tracking. This attitude extended all the way to the most sr. manager ( that I know oversees other managers ) of the payoff department named XXXX. Honestly, I feel they are holding my funds and using excuses. Returning my funds should not be this hard and I need help. This could go on indefinitely. {$4000.00} is enough that can cause hardship when a person still has another 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 2018-01-13
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX 2015 I called XXXX XXXX and gave them my information. And they told me that I was eligible for debt forgiveness of my debt being completely forgiven. But afterwards I found out that they just switch my laundry to something else and told me that I was accepted for forgiveness but I did not get it afterwards. My loan was n't reduced or forgiven and now I pay a higher interest rate. And the put me in forbearance without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: DE
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:
The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. XXXX Accounts with XXXX XXXX XXXX were open jointly and fraudulent one in the amount of XXXX dollars and the other in the amount of XXXX dollars. I want these accounts deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank XXXX XXXX XXXX XXXX XXXX I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Harris and Harris LTD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Re : Debt Validation Request and Cease and Desist Notice for Account No : [ Your Account Number ] Ticket Numbers : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) To Whom It May Concern, I am writing to dispute the validity of a debt that your company, Harris and Harris LTD, claims I owe to the XXXX XXXX XXXX XXXX in the amount of {$840.00}, with the ticket numbers specified above. I received your debt validation letter on XX/XX/XXXX, and I am hereby requesting detailed information to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under sections 809 and 811. 

I dispute the aforementioned debts for the following reasons : 1. Lack of Documentation : I request that you provide the original documentation pertaining to this debt, including but not limited to the original agreement, contract, or instrument bearing my signature and clearly showing that I am indeed the party responsible for this debt. Please include all terms and conditions related to these alleged debts. 

2. Proof of Assignment : Additionally, I request that you provide documentation proving that this debt was legally assigned or transferred to Harris and Harris LTD. This documentation should include a complete chain of ownership, demonstrating the legal transfer of the debt from the original creditor to your agency. 

3. Verification of Dates and Amounts : I seek verification of the dates and amounts associated with each ticket number mentioned in your letter. Please provide detailed records that substantiate the validity of these claims. 

If you can not provide the requested documentation within 30 days from the date of this letter, I request that you cease and desist any collection activities related to this debt, as it will be considered inaccurate and not properly validated under the FCRA. This includes ceasing all communication with me, my family, my associates, or my employer regarding this alleged debt. 

I also remind you of your obligation under the FCRA to promptly investigate and respond to disputes and to report the results of your investigation to credit reporting agencies. Any failure to do so may result in legal action being taken against your company. 

Please ensure that all communication regarding this matter is sent to my address as specified below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX I am taking this dispute and cease and desist request seriously and expect that Harris and Harris LTD will comply with all applicable laws and regulations in providing the requested information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Newport Intermediate Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased home appliances and received {$600.00} in rebates from a vendor called " Prepaid Digital Solutions ''. These came in the form of pre-paid XXXX that could be redeemed physically or virtually. 

Given that prepaid cards are notoriously difficult to use given the restrictive nature of purchasing goods that exceed to total amount, especially online, I tried to use one of the cards totaling {$200.00} to purchase a merchant e-gift card to buy an item that was over that amount, so I could use a different form of payment to cover the difference. The transaction was declined repeatedly for reasons unknown to me. 

I started a live chat with their support team to troubleshoot the issue and was told that these cards were not authorized to be used for that purpose. When I asked why and for them to highlight language in their terms and conditions that specifically stated that, the agent admitted that language did not exist in their terms and conditions covering that topic. 

So, I am being told I can't use money that belongs to me in certain ways, but that is not legally stipulated in a contract, and no accommodations were provided by the company to remedy the issue. 

They also did not provide a post-chat log for me and the chat cleared before I could take screenshots to document my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
At around XXXX XXXX. on Wednesday, XX/XX/2023, I tried to buy a tent from an online retailer using my CapitalOne credit card. I had been saving up for this tent and it was the last one in stock. 

CapitalOne flagged the transaction as suspicious, declined it, and then placed a hold on my account so that I could no longer use my credit card to make purchases. CapitalOne sent me an email and a text message urging me to call them to clear up the matter. I phoned CapitalOne customer service only to find out that the their offices were closed and would not open for several more hours. I also called CapitalOne 's fraud protection office ; they were also closed. I logged into my CapitalOne account online but there was no way to remove the restriction on my card. 

Thanks to CapitalOne 's unrivaled stupidity, I lost the tent. 

How can CapitalOne unilaterally restrict my credit card when their customer service office is not open 24 hours and they do not offer any way for customers to remove holds online? What if I was traveling abroad and in an emergency and needed access to my account? 

This isn't the first time I have trouble with CapitalOne. They are the absolute worst credit card company I have ever dealt with by far. I will be canceling my credit cards with them, and I urge others to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I AM DISPUTING INQUIRIES FROM XXXX XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT 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 2018-09-12
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently going through XXXX. XXXX XXXX sent emails on Portal about completing Income Base Driven forms. Due to my health, XXXX, and XXXX I was not able to fill out the forms. Fed loans substracted {$1200.00} from my banking account, even though I have never had to pay before because of my income. I have trying calling to get assistance and they rush me off the phone. I am at a lost and don't know what to do. They won't give me the information about getting a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made a purchase for XXXX tickets back in XXXX of 2022. I used my NFL Extra Points card because they advertised 0.0 % interest on XXXX tickets for 6 months on a mailer they sent out with activation of my card. I called in and spoke with an agent to activate my card, and verified with the agent that if I used the card to buy XXXX tickets there would be no interest, and was advised that was correct. 

XXXX months later I was logging in to pay off the remaining balance to avoid interest and found Ive been charged interest since day 1. There has been over {$130.00} in interest actual over the 6 months. I feel this is very deceptive, and an unfair business practice of Comenity bank. 

I called in to close my account last week, and when speaking with a representative they suggested speaking with a supervisor. They went to transfer me, I was on hold for over XXXX and then was disconnected. I called in again today, spoke with 2 supervisors that said there was nothing they could do about the interest that was charged. So I requested to close my account due to their deceptive practices with charging interest when I was told there would not be any.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: CO
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:
Experian continuously reports inaccurate information I have updated my legal name with Experian and Experian is reporting only my former name and various accounts that do not belong to me under my former name when I try to dispute information such as wrong name and various accounts that do not belong to me I get a message saying I have to dispute this information with XXXX  I am then forwarded to XXXX 's webpage that does not show any of the information that Experian has on my credit report Experian has taken all accurate information off of my credit report in the past I have shown Experian my identification and social security card Experian also continues to report inaccurate third party information to my credit report

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 2023-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, Today ( XX/XX/2023 ) at XXXX XXXX XXXXXXXX I got an email from Wells fargo saying that I had redeemed by rewards, I have copied the email and pasted the words : Dear MYNAME : A new redemption has been processed with your Wells Fargo Rewards account. 

ITEM REDEEMED ( XXXX ) XXXX XXXX CASH REWARDS APPLIED {$860.00} TOTAL ITEM REDEEMED ( XXXX ) ORDER TOTAL Rewards Redeemed : {$860.00} SHIP TO XXXX XXXX XXXX SHIPPING ADDRESS XXXX XXXX XXXX XXXX XXXX, CO XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I did not make any rememptions. I called WellsFargo and I was told that the redemption is another department and not available at this time, to call back in the morning.

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 2023-05-08
Company: Shellpoint Partners, LLC
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:
The mortgage company didn't provide a legitimate consideration or accounting request. A mortgage contract requires both parties signatures they never signed with a wet signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Ability Recovery Services, LLC
State: MS
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:
Send me my signature where I received services or you will be getting sued. You have not legally verified any debt.

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 2023-01-16
Company: Wilber and Associates, P.C.
State: AZ
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 received a letter from Wilber & Associates dated XX/XX/XXXX. This apparently is a collection letter. Their client is XXXX XXXX. ( Letter attached ) The letter states I owe XXXX XXXX {$2600.00}. On XX/XX/XXXX I sent a debt validation letter to Wilber & Associates. ( Attached ) I received a letter from Wilber+ dated XX/XX/XXXX. ( Attached ) The debt was not validated. They simply state I am responsible for a person who roared into a parking space as I was exiting my vehicle in a mall parking lot garage. Wilber stated their client, XXXX XXXX believes I am responsible for someone crashing into my fathers parked vehicle. I was not driving the vehicle, it was parked. I wrote a letter to XXXX XXXX on XX/XX/XXXX advising them to contact my father who is the registered owner of the vehicle as their client is at fault for damages to his vehicle and the incident was their clients fault. There were no police reports involved. I dispute this debt of {$2600.00} as I do not owe it. In addition Wilber & Associates does not have a business license to conduct business in the state of Arizona. Obviously XXXX XXXX turned this amount over to collection without sending me any information as to this incident.

Company response to consumer: Closed with explanation