BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XX/XX/XXXX or early XX/XX/XXXX, I submitted to the XXXX County Tax Office {$6300.00} to cover my XX/XX/XXXX property taxes. As a new refinance and first time I had taxes/insurance paid out of escrow. When I noticed where Flagstar had just paid those taxes as well, I contacted the XXXX County Tax Office for a refund. However, they had just sent back the " double payment '' back to Flagstar. 

I contacted Flagstar immediately ( 1XX/XX/XXXX ) and they took information over the phone. I also corresponded back to Flagstar again on 1XX/XX/XXXX about this refund. ..still no refund as of XX/XX/XXXX, so I called the escrow department and talked to XXXX. He told me that Flagstar would have a run an account analysis on my account and issue any refunds after that. He stated that the account analysis would be done sometime in XX/XX/XXXX. He said that this is the same procedure that Flagstar does for any customer. 

I stated to XXXX that Flagstar runs the analysis on customer 's accounts prior to a customer sending in lump sum payments or having their loan payment altered, so, no this is not the same process since they are holding in escrow this additional {$6300.00} that should not have any bearing on running an account analysis on my account. 

I also asked XXXX if Flagstar was going to pay me interest on these funds that they have " held in their account '' for nearly 90 days. His answer was no. 

I believe Flagstar Bank is practicing deceptive trade and I would think they must legally pay me interest on those funds when these funds are simply excess funds I requested back as soon as the XXXX County Tax Office submitted the funds to Flagstar Bank.

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 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been trying to fix my old mortgage reporting for over a year submitting over 10 letters & documents. 
Transunion reports mortgage derogatory. Enclosed documents from lender directly contradict that report. 
All three CRA 's fo NOT report my succesful history UP TO THE BANKRUPTCY. 7 years of missed reporting. 
COMPLETE HISTORY FROM LENDER ENCLOSED.

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 2022-02-02
Company: Navient Solutions, LLC.
State: PA
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:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
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:
Fair Collections & O Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Amount : {$6900.00} I have disputed this entry for Fair Collections & O for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Fair Collections & O and myself for repayment. The only responses I've received were statements for payment. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2018-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Due to the dramatic decrease in my credit score, a company closed my account due to the fear of my financial struggles. The card was paid off completely and did n't have any open credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company that has been attempting to collect a debt of {$98.00} from me is called IC System. Their website is www.icsystem.com and they are attempting to collect this debt as an agent for XXXX, the phone company. The debt is under a different name than mine, I have never had a XXXX account, and I 've told them this several times. They even reported it to the credit bureau and it was added to my credit report. I contacted the credit bureau and they removed the debt from my credit report as it is not under my name. Somehow they have it tied to my social security number and are again contacting me via phone and mail threatening to report it to the credit bureau again. I just called the company and spoke to XXXX XXXX ( supervised by XXXX XXXX ) who told me that they would continue to report it to the credit bureau and would not remove my social security number from the debt. He recommended that I keep disputing it every time they report it to the credit bureau and said that was my only option of recourse. That simply can not be true. Any help/advice would be greatly appreciated. 

Thanks.

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 2018-01-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX XXXX XXXX payment XXXX XXXX XXXX XXXX both were taken out with a positive balance on XX/XX/XXXX got email from Webster bank saying in sufficient funds but account showed positive balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a 5/3 XXXX credit card on XX/XX/XXXX which gave me 0 % interest on initial balance transfers and purchases for 12 months. 

I have made multiple payments during billing cycles on several occasions and the account is in good standing with no late payments or fraudulent activity. 

Upon logging on XX/XX/XXXX to make a payment my account was inaccessible. I contacted costumer service and after talking to the fourth representative I was told that the account was closed and the credit card was revoked on XX/XX/XXXX due to potential fraud for all users of this card type in California. 

I have automatic payments set up on this credit card and have made all of my payments online through the internet banking portal, these have now been deactivated and I am now required to make payments over the phone or through mail. 

I am also not able to make purchases for the remaining three and half months I have left at the 0 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2018 I applied for a loan modification with Bank of America. I was denied the modification as they said they could not confirm my residency in spite of my sending multiple documents showing I lived on the property. The modification was requested as we were having financial difficulties due to my husband 's illness. As we were significantly impacted we had to move in with family for a time but kept our home. Once he was better and our income stabilized we moved back into our home. This was all explained in detail to B of A. 

We came to find out that the bank initiated the foreclosure process even though we were in the process of trying to get our loan modified. We live in California and this is illegal according the the California Homeowner Bill of Rights. 

We then were charged fees associated with the foreclosure! If it's illegal to begin foreclosing on a home while attempting to get a loan modification, then it's also illegal to assess the homeowner fees associated with the foreclosure.

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 2020-11-26
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 when I submitted a dispute letter for those inaccurate and unknown accounts. over 30 days now haven't received a response. I was a victim of the XXXX  Data breach. I want all those unknown and inaccurate accounts must be delete from my credit report or I will file litigation.

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 2022-01-10
Company: EQUIFAX, INC.
State: OH
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:
While looking at my consumer report, I see that Equifax placed two accounts on my report without my acknowledgement. Can you help me resolve this? 

XXXX CARD # XXXX XXXX XXXX  # XXXX Attached is my ID and Passport

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am having a hard time getting my credits reporters from these companies and they say that I do not have one but each time I want to increase my current credit card limit they provide information on me and when I reached out to them they says since u do not have soical security number we do not have a credit file for you! 

please help me. I do not have a soical security number but I do have a credit card!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2021, XXXX XXXX XX/XX/2021 I mailed Experian with a letter from the XXXX XXXX XXXX stated by the deputy clerk that they do not report anything to the credit bureaus. Experian has not replied with any names or contact information for who they have verified this XXXX with. This reporting is illegal under 15 USC 1692E and 15 USC 1681b. It has been over 90 days with no response from Experian.

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 2018-01-16
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This is the second time this has happened to me. I place a limit order buy/sell then the order gets stuck in pending for hours or days. First time took a week to settle and lost alot of money because of it. This time I am on hour 5 ... we will see how long it last. This all took place on the XXXX exchange on XXXX/XXXX/XXXX. The last time happened on XXXX/XXXX/XXXX. When I tried to get help through their process the first time i got no response at all. Even after the settle. I actually did n't get an email from them until about 8 days ago and the response was that they say no problem so no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have previously written letters to notify you ( Capital One ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) of the innaccurate and unvalidated information. 
I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. 

AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. 

Capital One Credit Card Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. 

The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On or about XX/XX/2018 I took out a XXXX dollar loan with the company. I was told I could make it in payments of up to XXXX. I asked to have 1 payment pushed back and I was allowed to. I am unable to do any more deferments on the payments owed. The total amount owed is XXXX even after after having the loan for less then a day that is the total amount owed period. Even if I changed my mind on taking this loan out they then would have had me pay a total amount of XXXX no matter what. I am unable to pay this balance off in the needed time frame, and they are not willing to help me anymore.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I reviewed my credit report and found items related to identity theft I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT to Capital One for this in accurate account XXXX and specific amount {$500.00} I am citizen of the unites states of age, would like to make a complaint because for this specific account they apparently do not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B,  XXXX ( f ), 623 ( a ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: National Credit Adjusters, LLC
State: RI
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 opened a XXXX XXXX account ( stupidly ) in XXXX. It was stupid, not proud of it. I have paid for it. 
NCA ( creditors ) have been falsely reporting it as opened in XXXX. When I call them about it, they say its a typo and tell me to just wait for it to come off When I asked the credit bureaus, specifically XXXX, to please verify it, they said its verified. I asked how- being that even the creditors themselves have admitted it is incorrect information. They say we dont have to disclose to you any verifying documents. I asked, repeatedly, how they could have possibly verified the dates being that even the creditors have admitted they are wrong. They tell me take it up with the creditors. I tell them I have. Over and over again for the past year. They ignore me. 

Im at a loss. Its illegal to report inaccurate information but nobody seems to follow the law. They hang up on me, laugh in my face, tell me to just ride it out. 
I dont want to ride it out. Its against the law. Its illegal to be reporting something as XXXX when it was a stupid mistake I made as a kid. 

XXXX has lied about verifying the information. They havent. They have no documents. 

This is illegal and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I financed furniture through XXXX XXXX XXXX financier XXXX XXXX. Shortly after getting the furniture, I was put on XXXX XXXX XXXX for 6 months. That was the first time I attempted to contact them to make alternate payment arrangements as I was not receiving a full salary. Upon returning to work, I was intermittently on unemployment due to my employer doing a complete restructure of my job site. I, again contacted XXXX to advise them of the situation and make payment arrangements. They advised me that they do not make arrangements and would not be willing to make any arrangements. Auto drafts from my account were being done by the company throughout this period however they stopped taking the payments after XX/XX/XXXX. In the interim, I contacted them again to set up arrangements to remove late payments and get my account in good standing, however the company refused to provide any payment arrangements. Since then, they have placed this account for collections with JJ Marshall. I sent JJ Marshall a letter via certified mail asking for validation of the account. This letter was sent out on XX/XX/XXXX. While I have not received a response to this date, I can confirm that the letter was received on XX/XX/XXXX. USPS tracking number for the letter sent to the Collection agency is XXXX. Today on XX/XX/XXXX, I got notification that they attempted to serve me with lawsuit papers. I have yet to receive any information directly from the creditor, however they have removed the collection from my credit report. I am filing a complaint because the account is no longer listed as being held by the company attempting to sue me ; a company that has not responded to my written request for supporting documentation ; and the original creditor refused to provide we with any comparable solutions for repayment of the original loan amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I did n't apply for these loans the o ugh Navient. The school filled out all of the papers and we were told to sign. They purposely defrauded the students.

Company response to consumer: Closed with explanation