BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: Flagstar Bank, N.A.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a Private Mortgage Insurance Waiver Request because our home has increased in value and I believe we can have PMI removed. I submitted this request on XX/XX/21 by email and recieved a response from our bank ( Flagstar Bank ) on that same day that they would begin processing my request and get back to me in 14 days. I called one month later and I am told they do not see my waiver in the system and will have to escalate to resolve. Their failure to process my request in a timely manner is causing me to continue to pay unnecessary PMI.

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 2021-02-28
Company: Total Card, Inc.
State: AL
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:
I have a credit card with a total visa. I have been late with my payments. But I am currently paying down my balance. I am a total of {$200.00} over my credit limit. But with the late feels because I can't pay the full balance to get my account current and below the credit line. I am having a hard time paying down my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: LAND HOME FINANCIAL SERVICES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I feel i was discriminated against during my process of buying a house. 
I started the process back in XXXX of XXXX and finally culminated with a denial in XXXX of XXXX. 
During the process I was given plenty of hurdles to jump through, which is normal in the home buying process, and I successfully managed every hurdle i was given. 
I provided every bit of paperwork and documentation that was asked for. The mortgage company did not accept all of my documents for an unknown reason. 
They had an issue with my earnest money and the way it was sent to them. 
They made me send in my closing cost and down payment before funding for my loan was secured. I have never heard of a company doing that before. 
I was given a closing date and bought a ticket to fly out to sign documents for my home and that did not happen. I paid for an appraisal and Termite inspection. Roughly {$1300.00} in total. 
My credit was pulled too many times by the mortgage company causing my credit score to drop almost 100 points. I have had so much trouble trying to get my score up again to try to buy another home. 
I was told by the manager of the Mortgage company that I would be ok and the issue would be resolved but that was not the case. They were just stringing me along in order to find something to get my loan denied. 
When my closing date came and went i tried to get financing through another company and that's when the First mortgage company hit me with a denial letter.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: TX
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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX a checking account was opened fraudulently in my name with Bank of America. This is the second time a fraudulent account has been opening in my name with Bank of America. The first time occurred in XXXX of XXXX. This recent account was opened with the same old address and same old email associated with me as the first account. I took every measure possible to prevent this second attempt from occurring : locked my credit reports, froze my information with XXXX, filled a complaint with the FTC, starting paying for identity theft monitoring, closed down my social media accounts, deleted old unused email addresses : absolutely everything I could think of that was allowing someone access to my information. When this occurred in XXXX of XXXX, Bank of America assured me over and over that an alert had been placed on my information and that any further applications with that information would be flagged for further review. Then comes XX/XX/XXXX. I get an email saying another account has been opened in my name! The perpetrators used the same old email and the same old address as the first time! How is this possible? How can Bank of America allow this to happen again with the exact same information and under the exact same circumstances? How was an account approved with my SSN when everything tied to my SSN is locked? Credit reports are locked and information with XXXX is locked, so how are bank accounts still able to be approved? It is absolutely mind-boggling. Today, XX/XX/XXXX, I spent hours on the phone with Bank of America and was passed from one department to the next, none of which took responsibility for the allowing of the account opening despite the flags placed on my information and the fact that they have on file that I am a victim of identity theft. No one could give me a straight answer for how this was able to happen to me again! And there was honestly no resolution provided that will prevent this from happening to me again with their institution. They closed the account, filed a claim and a complaint, and that was it. I have no idea what to do, but it sure seems that Bank of America could care less about these continued fraudulent accounts, and it sounds like it's just something that I have to personally stay on top of, which is a complete shame. Bank of America should have a system that shuts this fraudulent activity down, especially considering they have a logged history of exactly which information is being used to open these fraudulent accounts. I'm at a loss for what to do to stop this in the future.

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 2021-12-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter from Chase XXXX services stating I was denied their credit card. I informed them that I never applied for their Chase Freedom XXXX. I was told someone on Saturday, XX/XX/2021 appled for the card. I was in the XXXX XXXX XXXX library that day using the computer which I realize is not that secured. It had to happen on that day. Chase wrote me a letter on XX/XX/2021 outlining steps I need to proceed. I was told to go online at XXXX and start the paperwork. 

I check all my other accounts and nothing is happening in terms of theft. I would prefer only a temporary fraud alert at this junction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: MD
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:
I was looking through my consumer report and noticed a debt from XXXX XXXX XXXX XXXXXXXX of a balance of {$26000.00}. In pursuant to 15usc 1692j ( a ) states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. So Experian is breaking the law by allowing third party debt collectors to design, compile and furnish my consumer report without the consumers consent when their job is to protect my consumer report. Also in pursuant 15usc 1692j ( b ) states Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. Also in pursuant to 15USC 1681 ( a ) ( 4 ) of Congressional findings and statement of purpose states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. So, Experian has broken multiple laws by giving debt collectors the right to design and furnish my credit report to destroy my ability to get an apartment and a car. I need a right to remedy by removing XXXXXXXX XXXX XXXX XXXXXXXX from my consumer report as this is damaging my livelihood. I WANT ALL RESULTS INCLUDING DISPUTE RESULTS TO GO THROUGH THE CFPB. I AM NOT ASKING FOR DEBT TO BE VERIFIED. I want a response within 15 days.

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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
Want to file complaint against XXXX, XXXX and TransUnion. These companies are not complying with their own policies in a timely manner. All XXXX companies were contacted on XX/XX/XXXX in regards to the following discrepancies. Also TransUnion was contacted on XX/XX/XXXX. In addition to complying in timely manner, Violations of the CARES Act occurred during XXXX. On XXXX XXXX Letters were sent to correct personal information and inaccurate data still exists Late payments from XXXX XXXX - Acct : # XXXX during XXXX Dispute of Violations of the CARES Act Late payments from XXXX XXXX XXXX XXXX : XXXX XXXX during XXXX : Dispute of Violations of the CARES Act XXXX XXXX Acct # XXXX in the amount of {$52.00} XXXX XXXX XXXX XXXX XXXX : # XXXX listed duplicate Inquiries from XXXXXXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX XXXX XXXX as a Charge off as bad debt Late payments 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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all XXXX major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.

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 2019-05-08
Company: First Associates Loan Servicing LLC
State: ID
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX : received letter stating XXXX XXXXl , XXXX was willing to settle debt at 50 % of balance owed.

XX/XX/XXXX : called XXXX  XXXX  to settle for the 50 % XX/XX/XXXX : received another letter demanding final payment for the remaining 50 %, called XXXX XXXX to resolve issue and informed them that if i continued to receive any sort of correspondence from them I would report them and have the payment made recovered from my bank. I was informed that they would notate my account and I would no longer receive any correspondence from them in regards to said debt. All letters have ceased up to this point.XX/XX/XXXX : received multiple calls in which no one was on the line.

XX/XX/XXXX : received multiple calls in which no one was on the line again.

XX/XX/XXXX : received call in which the person on the other end refused to inform me as to what the call was in regards to unless I provided him personal information to verify my identity. I refused to supply the person with any information as he would not give me any information and I wasn't giving out personal information until he verified why he was calling or who he was with. Did a phone number search and found that it was XXXX XXXX. Called back spoke with a woman who said that her supervisor would be notating my account to show that the account was closed, I would no longer receive any correspondence from the company and that after 28 days of making said payment the account should have been closed.

I feel that they are using harassing tactics to scare people into paying the entire amount even after offering a settlement. They refuse to verify who they are and what the call is in regards to. If I hadn't gone through this with a similar company I wouldn't know that this is unacceptable behavior, other people may not know that this is not ok and end up paying XXXX  XXXX more money because they're scared that it won't be resolved unless they make another payment. If a settlement is offered and you accept that you should no longer be receiving any correspondence from XXXX XXXX  other than a letter stating account is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
All three agencies have continuously violated and continue violating my federally protected rights as a consumer, privacy through privacy act of 1974 and as follows THE PRIVACY ACT OF 1974 : The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete; and. 
15 U.S.C. 1981 SECTION 2 A State that I, as a consumer, have the RIGHT TO PRIVACY 15 U.S.C. 1981 SECTION 604 SECTION 2 : States that a consumer reporting agency CAN NOT furnish any information on my account without the expressed written instructions of the consumer which is I, and no agency XXXX, XXXX, Equifax has attempted to receive written instructions from I, the consumer, nor have they received any such instructions. My federally protected rights have been continuously and maliciously been violated and neither has attempted to correct to this date. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : ( XXXX ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: AES/PHEAA
State: MO
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 was on an Income Driven Repayment Plan last year and didn't have any issues before I had to recertify this year. I'm also on the PSLF. I have been at the same job for over 10 years. They continued to deny by PSLF, claiming that my employer didn't fill in the correct dates and this was incorrect. I resubmitted the paperwork and it was certified. I call the provider to find out how may qualifying payments I have and she couldn't answer the question or simply refused to answer. 

On or about XX/XX/XXXX, I received a notice to recertify my IDR. I submitted my IDR request on or about XX/XX/XXXX, I received a letter XX/XX/XXXX, indicating that my amount was going to be XXXX, after being denied for supposedly not submitting the correct paperwork several times. 

They have now recalculated my monthly payment a total of three times all based on the information that I've submitted. They failed to review any of my documentation before determining their decision to deny them every time and then turn around and approve. 

I have requested a forbearance for the month of XX/XX/XXXX, XX/XX/XXXX. I called in XX/XX/XXXX to request a forbearance until XX/XX/XXXX, since they continued to drag their feet making a decision. Today at XXXX XXXX they took out a XXXX payment from my account, after I was told that I was in forbearance until XX/XX/XXXX. My payment amount in XX/XX/XXXX is now XXXX, which I'm fine with, until they change it again. The numerous calls and correspondence back and forth with this company is tiring and frustrating. This process is absolutely ridiculous. When I open my mailbox and see anything from FedLoan my stomach turns. HEY WAKEUP CALL AMERICAN DREAMERS- HOME OWNERSHIP IS OUT IF YOU HAVE TO GET FUNDED!! Become very familiar with your student loan  provider because you don't have choice as to who services your loan, unless you find a legitimate bank and do it privately. Meet your new life partner ... ITS CALLED STUDENT DEAD DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: MI
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:
My federally protected consumer rights have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$500.00}, {$7700.00}, {$1000.00}, {$900.00}, {$1000.00}, {$5300.00}, {$5900.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-OPEN ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$900.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account. 


-COLLECTIONS- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief