BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I currently have a Mortgage account with Flagstar Bank. We live in XXXX, Texas I have an escrow account that they claim is short {$3700.00} which is incorrect and they insist it's due to higher Property Taxes which is also incorrect. Please see below for the breakdown of the mortgage payment. 

Principle & Interest : {$1000.00} Escrow Amount : {$830.00} According to my analysis/breakdown of the Escrow amount it's enough to cover my Property Tax/ MUD Tax & Insurance , PMI Property Tax : {$3800.00} MUD Tax : {$2700.00} Insurance : {$1700.00} PMI : {$1600.00} Total {$10000.00} XXXX / XXXX {$830.00} monthly escrow amount for a NEW monthly mortgage amount of {$1800.00} However, they claim we are short in the amount of {$3700.00}. Flagstar made a payment to our MUD tax in the amount of {$2700.00} that overdrew the escrow account by {$1400.00} which we paid this week, this included an amount of {$800.00} that we had in excess {$1400.00} + $ XXXX {$2200.00} ( for MUD ) still short {$450.00} does if the Escrow account was to honestly be short it would have been {$1900.00} which means I still owe {$450.00} True Shortage. 

Their calculations are way off. I would like this to be researched & corrected. The amount they claim we are short is an amount as if we had purchased another property makes NO sense! 

Regards, 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 2023-10-26
Company: EQUIFAX, INC.
State: GA
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:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: IN
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:
I am Filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed, Please resolve this manner as soon as possible. Thank you

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 2019-05-09
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
eastern account system incorporated is calling me when I got a new cell phone number saying I'm someone I '' m not. 

They just called me a couple times on XX/XX/2017. One of the " agents '' hung up on me when I told them I was a different person than the one they are trying to contact. 

When i called a second time to reiterate to them that they had a mistaken identity, i received no confirmation that they would stop calling or trying to collect the mystery debt. 

That is all.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
ACCOUNT NAME FAIR COLLECTIONS & OUT Account # XXXX XXXX XXXX Account # : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

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 2023-05-28
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 the following below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX Account # XXXX Was removed from my Equifax report and added back on XX/XX/23. ( Violation ) 15 U.S.C. 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

1681e. Compliance procedures ( b ) Whenever a consumer reporting agency prepares a Consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The following are. not my previous address/ XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX. / XXXX XXXX XXXX XXXX XXXX MI. XXXX/ XXXX XXXX XXXX XXXX. XXXX/ XXXX XXXX XXXX XXXX MI. XXXX and XXXX XXXX XXXX XXXX, MI. XXXX. I disputed before and they're still on my report. 

1681c-2 Block of information resulting from identity theft. 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. ( b ) Notification ( 3 ) that a block has been requested under section by me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is 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.

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 2023-10-20
Company: SYNCHRONY FINANCIAL
State: TX
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:
I am filing this complaint to SYNCB/PPC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In accordance with the Fair Credit Reporting act XXXX  Account Account name XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account Name : XXXXXXXX XXXX  Account number XXXX Account Ending In : XXXX Account Name XXXX XXXX XXXX XXXX  Account numberXXXX  account ending in : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account ending inXXXX Account Name : XXXX XXXX XXXX Account numberXXXX Account Name : XXXX Account number XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXXXXXX Account numberXXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-03-08
Company: Capstone Credit & Collection, LLC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I originally had my own apartment at XXXX XXXX in XXXX, FLXXXX, and I was required to put a Security Deposit for my first year there in XXXX. I then upgraded to a three bedroom in XXXX, and got a roommate. My Security Deposit was moved to the new apartment account, and no additional funds were required. I found myself and my son in harms way about 9 months into the shared apartment. I notified the Office about my concerns, and I let them know that I was not going to renew my lease with them. I was forced to move out early, because the Office was not going to step up to help my son and I in the unsafe roommate situation. The Office had my parents address for any correspondence that was related to my not renewing my lease and Deposit return. It wasnt until 4 months later that I found out that the Office had placed my account in collections and kept all of my Deposit money. I never received anything by mail in reference to how much and why my Security Deposit was retained in full. This is not a debt I owe, and I deserve my Security Deposit back. It needs to be removed from my Credit Reports as well. Thank you in advance for your assistance with my request!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit 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 have an account with Amazon and using it sometimes when I buy something. 

Prime Store Card Account ending in XXXX {$320.00} Current Balance But someone opened an additional credit account and bought something CARECREDIT / SYNCHRONY BANK Account ending in XXXX {$1600.00} Current Balance And the company ask for Register this account but I didn't do it and for it.

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 2023-11-11
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo called and asked if I authorized XXXX XXXX to transfer funds ( two transactions ) from our checking account through XXXX, Wells Fargo. " I answered NO! How do I know you are who you say you are? " and he responded are you near a computer please look up the number I am calling you from on XXXX. I did as he requested and it came up as Wells Fargo Online Platform. 
They took {$990.00} and tried to take an additional {$490.00} but the funds were not available. The money was transferred from my XXXX Wells Fargo account to an email address - XXXX. 
This put me in overdraft. I would like to explain the incident in its entirety. They called me from a call center I could hear in the background. I did not authorize any of it.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted XXXX XXXX XXXX and advised them that they are violating my federally protected consumer rights by not providing me with the correct form to opt out of credit reporting. I have advised them several times that this is a violation of the privacy act. Also, this is a form of identity theft since I did not authorize them to report private information to a third party entity. XXXX XXXX XXXX has not asked for my consent verbally nor written to report such transactions to the credit reporting agencies.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act and XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I noticed and reported to capital One bank that XXXX was missing from my account, and that I did not authorize or take this money. The teller at the XXXX XXXX branch in XXXX was able to print out and show me where 5 ATM withdrawals where taken from my account in XXXX XXXX XXXX. The transaction occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have submitted two complaints which were denied and a email to the bank and was told to reach out to the merchant. Which merchant? I informed the bank that my debit card is misplaced however I was still able to use XXXX XXXX to shop at restaurants and retail stores who accepted XXXX XXXX. This missing money was for the purchase of my used vehicle which now I am unable to purchase due to this incident at the bank and their refusal to address it and refund my missing monies. Please assist and help a XXXX XXXX  obtain her missing funds. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: GA
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing Inc ( SPS ) violated RESPA 1024.41 ( g ) Prohibition on foreclosure sale made an error by scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property for XX/XX/XXXX. 

RESPA 1024.41 ( g ) require that : ( g ) Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied; On XX/XX/XXXX we timely appealed SPSs XX/XX/XXXX SPSs Loss Mitigation decision. 
SPS DID NOT answer our Appeal and DID NOT inform us about their appeal decision prior to scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property. 

The following is a sequence of recent communications with SPS and their agents regarding this matter : 1. On XX/XX/XXXX SPS sent us their Loss Mitigation decision ( See attachment # 1 ) informing us about our right to Appeal SPS decision within 30 days 2, On XX/XX/XXXX we timely filed an Appeal of SPS Loss Mitigation decision ( See attachment # 2 ) to the email address SPS provided in Loss Mitigation decision 3, On XX/XX/XXXX we received SPS email confirming the receipt of our Appeal. ( See attachment # 3 ) 4. On XX/XX/XXXX XXXX XXXX, alleged attorneys of the purported mortgage holder XXXX XXXX XXXX, as trustee, on behalf of the holder of the XXXX XXXX XXXX XXXX Home Equity Loan Trust, XXXX XXXX  XXXX XXXX XXXX XXXXThrough Certificates, XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. as trustee ) sent us a Notice of Intention to Foreclose ( see attachment # 4 ) 5. On XX/XX/XXXX SPS, as alleged servicer for the XXXX XXXX. as trustee, sent us a Foreclosure Sale Date Notice ( see attachment # 5 ), a letter informing us about the XX/XX/XXXX scheduled foreclosure auction of our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i purchased a XXXX  but did not get it i file a dispute twice and they was suppose to stop payment until it was resolved but continued payment, after i disputed twice there was no resolve and then they closed my case

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 2023-01-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
After paying off loan never received original title was forced to pay for one

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 2021-12-29
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
As of XX/XX/XXXX when the rules for PSLF where changed I now qualify for forgiveness.I have spend HOURS and HOURS on hold with fedloan. I then get an email saying I have only made one qualifying payment. I waited on hold for an hour again and was diverted to someone who didn't know pslf information. They said I was diverted due to high call volume. This seems to be making it absurdly difficult to take advantage of a program meant to help people like me. I am furious and have no way to get help from someone.

Company response to consumer: Closed with non-monetary relief