BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
Company: Flagstar Bank, N.A.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2020, Flagstar Bank called me in regards to my mortgage that is in Forbearance from CARES act related to COVID. XX/XX/2020, I returned the call and spoke to a gentleman who identified himself as a collection agent with Flagstar. He informed me that I had a past due balance. I told him I was in forbearance. He said " just because you are in forbearance doesn't mean you can't make payments. '' I told him, actually yes it does. I am in forbearance due to COVID via the CARES act. He said what is the CARES act? That isn't a thing. He then told me I owe XXXX, and then said how would I like to make payment ... check, bank transfer. I cut him off at that point and told him that I was not obligated to make a payment and that I was now recording the call. He said " thanks for letting me know you are recording me without telling me. '' And then he hung up. 

I called Flagstar back and spoke to a supervisor. I told XXXX what happened and that I consider that behavior predatory and aggressive. He repeated those words and said he agreed. He told me they are supposed to call to see if anything has changed in regards to my need for forbearance, not anything more. He also told me their investors want them to call us twice a month. I then shared no, according to CARES/XXXX  you can not contact me that often. He then said yes you are right, we are allowed to contact you at most every 21 days. Which said to me, even he was being misleading. 

Flagstar Bank is NOT following the guidelines of CARES and other guidances given to them. I want to make a formal complaint.

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 2020-10-12
Company: EQUIFAX, INC.
State: NJ
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:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20, XX/XX/20 AND XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Now I receive the attached correspondence and they state there is an unauthorized third party. They do not have the right to illegally harrass me with phone calls, text messages emails after telling them to stop. If they wish to mail me something from time to time that is one thing. But not the rest. Stop emailing me. This is your formal notice. nothing more is required by law. Moreover, I have kept a spreadhsheet and documentation of every form of correspondence you have utilized that is in violation of the state and federal laws and i am prepared to use it for sake of Citi being penalized by the court. Do not play with me!

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 2023-05-04
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On the month of XXXX. My ex spouse made copies of social security card and driver. Made fake bank statements and paychecks. I was only living at the home we had gotten together for 2 weeks or a month. So I move out and back to my mother 's. We argue for months about the home. I want her to just buy me outfor my half. But she was thinking since I be behind payments in child support that I should just signing. I didn't want to just ha no

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 2018-10-05
Company: SIERRA PACIFIC MORTGAGE
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I initiated an online payment to my mortgage company Sierra Pacific for loan number XXXX in the amount of {$1900.00}. My bank sent off payment and debited my checking account for that amount on the XX/XX/XXXX. In XX/XX/XXXX I received several " automated robot calls '' telling me to call Sierra Pacific,  having left no reason for calling and the vague nature of the calls, I assumed these calls are a scam I did not return the calls. I got back from vacation and found a past due notice from Sierra Pacific. 

I contacted Sierra Pacific on XX/XX/2018 and supplied a screen shot of my account showing that the check was sent and debited from my account. They responded that they needed a copy of the check front and back OR a electronic transmittal form, they also mentioned that they cancelled my ticket #. I sent in the electronic transmittal form to Sierra Pacific and called them up. The lady mentioned that my ticket was closed, but the investigation was open. I sent in my mortgage payment for XX/XX/XXXX on XX/XX/2018 and I am worried that that might be lost as well. 

I am uncertain what to do and I am worried about the negative impact on my credit. Sierra Pacific is non-responsive. Please help me if you can.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had previously had an ACH set up on this account that would always pull a month early. For example, it would pull XX/XX/XXXX for the XX/XX/XXXX payment. However, after updating the extra principal amount for this loan to round up to a flat amount of {$1000.00} the entire ACH and payment process has turned into a disaster. 

I keep having people message me on the portal stating that the ACH will successfully process a month early, yet this never happens. I made a XXXX payment early on XX/XX/24 in the meantime since the portal stated that an ACH would not process until XXXX for my XXXX payment, even though I wanted it to pull on XX/XX/XXXX. However, when I went to check my portal today they had completely reversed my XX/XX/24 payment and it says that my last payment was received on XXXX. I even have a payment confirmation email that I have attached from XX/XX/24 stating that I made a payment to my mortgage, so basically they have straight up lied in their communications to the borrower. I am not sure what is going on with this servicer. All I want is for an ACH to process the first of every month with an additional principal payment of {$42.00} for the payment due on the following month for a flat amount of {$1000.00}. I have communicated this to them via fax and portal messages, yet they still can't do it properly.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: GA
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:
There is personal information on my credit report that does not belong. According to the fair credit reporting act 15 U.S.C. 1681 I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is supposed share my information with third party people. 

These are clear violations of my federally protected consumer 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 2023-05-31
Company: CITIBANK, N.A.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My initial complaint was the following : I signed up for auto payment, which I had set up to pay the previous statement balance on the date due. My previous statement balance was {$1200.00}, and was due on XX/XX/23. I decided to manually pay it a few days prior, and on XX/XX/23, the full payment of {$1200.00} posted to my account, and the auto payment should have been cancelled. Auto payment did not successfully cancel, and they tried to take it out of my account again on the XXXX, but was returned because I had already made the payment, and I was hit with a {$30.00} return check fee. I contacted customer service right away, and they said I would get a refund for that fee, since auto payment should not have tried to go through. I waited a few days, and after not seeing a refund, I contacted them again, and this time I was told I needed to wait for it to be posted to my statement before I could get the refund. So I waited an entire month, and as soon as it posted to my statement, I reached out again, but this time I am told its a valid fee, and it will not be refunded. This was a mistake on their end since auto payment should not have gone through. I received a response saying my request was declined due to me updating auto payment after making the initial payment, and that an email was sent confirming I made an update for the auto payment to go through. Please provide a copy of this email, because I have no record of it, nor did I update autopay. The only update to autopay I made was to cancel it, because of this.

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 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I receive a not reasonable letter from Bank of America claim dept that stated my claim # XXXX was not approved on XX/XX/2022. 

In fact I did not make any claim. My credit card ending XXXX was losing, and someone used it. I evenly did not know the charge. 
Then I did not get any mail of my bill too. I found the charge after a few months, when credit card noticed me that I did not pay. Since I always paid before due date. -- -- -- -- -- - This is not my charge, but a losing/stolen card charge, so I called credit card losing/stolen dept and noticed them, You replaced my card. You also told me that you would NOT charge me for this false charge {$47.00}. 

In fact I lost some cards and others ( but I did not notice early for my losing bank of America card, since I did not use it for a while. After I knew, I called you at once. 

The letter on XX/XX/2022 was not making any sense. 

It said the monthly account statements have sent to me ( But I did not receive it, otherwise I will call early ). 

It also said '' we conformed the charge ( s ), the chip was read, your PIN was entered and or you signed ... '' This is also odd. 1. I never used PIN for my any credit card at all.

2. Chip was used, of course, the person who got the card and stolen money will use the chip 3. If any signature, that is false, please mail me the copy of the signature, I will check. 

I called dispute dept, they said they will forward me to lost/stolen dept. 
I waited 1 hour and did not get it. 

In called XXXX number today, XXXX XXXX said the seller has credited me {$47.00} on XX/XX/2022, She said I got two credits one from bank of America and one back the seller. She said XX/XX/2022 letter due to two credits, so I need charge one back. 
However I check my online statement there is no any credit from any seller on XX/XX/2022. But there is only one credit XX/XX/XXXX. 

The card charged me twice for {$47.00} losing /stolen charge. 
The one credit tool off one, but can not take off the second {$47.00}. 

Please check and resolve it. 


Please credit me the charge back ASSP. It is a stolen/lost card charge.

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 2023-05-31
Company: BROKER SOLUTIONS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They are not working with me has been 5 months I want to go to next lender need my appraisal I paid for they won't send it was don't two months ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: NY
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:
Equifax, a credit bureau, failed to provide an opt-out notice as is required by all financial institutions, in which I, the consumer, have the option to opt-out of having my information shared with unaffiliated third-parties. Thus, any unlawful use of my nonpublic personal information without full disclosure and consent constitutes identity theft. 

On XX/XX/, Equifax received my Notice of Identity Theft along with the required personal identification information per 15 USC 1681c-2, requesting that Equifax block the reporting of five ( 5 ) unauthorized adverse transactions from my consumer credit report. Equifax failed to comply with the statute and with my requests by failing to block the reporting of unauthorized information identified by the consumer no later than 4 business days after receipt of notice.

Equifax continues to unlawfully use my personal and financial information which included the sharing of information to unaffiliated third-parties that adversely affected my creditworthiness and resulted in defamation of my character and general reputation. 

Despite three ( 3 ) written notices sent via certified mail, Equifax continues to report damaging unauthorized personal and financial information on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a loan with GM Financial. My husband was has XXXX XXXX and was in the hospital and ended up very sick for summer 2019. It caused us to get behind on our car payment. I stayed in touch with company and was working hard to catch up the payment. We were 30 days behind XXXX - XXXX and in XXXX in dropped to 60. In XXXX we got it all caught up but it dropped to 30 days behind again in XXXX and they repossessed it without warning. I was devastated because it felt like we were making payments every week to try to recover. My complaint is they repoed my car with only 30 days late and when I called on the day they took it to ask what I could do to pay to get it back, assuming I could pay past due or some repo fee they said FULL balance only to get the car. I don't have the money for the whole amount. They sold it without allowing me to get it back without paying the XXXX owed and then put over XXXX as a charge off on my credit. I don't know if that was illegal but it certainly felt unfair. We were trying and weren't that far behind. I would like this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the account listed is deleted IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries and incorrect names, and addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: MOHELA
State: MA
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:
I applied for the PSLF a year ago. I had my long time public service verified, and have made well over 120 payments- so I absolutely qualify. Mohela and FSA are saying that I didn't make payments from XXXX. I absolutely did ( was with XXXX & XXXX at the time ) and I have proof of the payments ( see attached ). I have spoken with Mohela multiple times and they say it is out of their hands. I have filed complaints with XXXX online and they are saying I don't qualify. I absolutely do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 2023-10-02
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was walking through a rough area when two men suddenly XXXX me, taking my phone with personal data and my wallet containing IDs and cards. Later, they used my info to open fraudulent accounts, causing financial trouble. I've taken steps to report this identity theft and dispute the debts. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business like trading crypto currency to XXXX since XX/XX/2021. 
My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I've had an " Unsecured - Variable Rate ( Fixed Margin ) '' of $ XXXX for over 14 years years and have been paying it off regularly. 

Today, I find that I can no longer draw down on the credit line and that I am expected to pay off a balance of approximately $ XXXX at an unknown rate of interest. 

How can they do this? 

What are my options? 

What if I am unable to pay it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mines. These items need to be deleted from 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 2023-05-31
Company: Kansas Counselors, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I wrote to KS Counselors requesting validation of an alleged debt under 15 USC 1692, after learning that theyre reporting such to the credit bureaus. I sent the request certified mail, return receipt requested ( see letters, receipts attached ). They received my initial request and failed to respond in a timely manner. I sent them notice stating that their failure to respond was a violation of federal law and they had a duty to cease reporting of alleged debt. Theyve received said notice and still continue reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation