BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX I received notice from XXXX XXXX that our loan will be sold to Flagstar Bank XXXX Notice stated " As of XX/XX/XXXX XXXX XXXX will stop accepting payments from you. Starting XX/XX/XXXX please make all payments to your new servicer '' XXXX XXXX XXXX XXXX XXXX ( XXXX ) sent an XXXX mortgage payment to Flagstar bank ( account number as noted on the XX/XX/XXXX notice from XXXX XXXX ). 
XXXX I received a statement from Flagstar bank noting that my XXXX payment had not been received. I contacted XXXX to inquire. I was told by XXXX that Flagstar bank rejected my payment on XX/XX/XXXX noting an invalid customer ID. We verified the account # with the account # on the Flagstar statement. The account numbers matched. The XXXX agent additionally noted that the money was being refunded to me. I checked my XXXX account and it showed a " pending '' refund from Flagstar on XX/XX/XXXX in the amount of my mortgage payment. 
- I contacted Flagstar to ask " why '' and was told that there was no sign of a payment in their system. I informed the agent about the information regarding the ACH payment provided by XXXX. I was told that I could make the payment now. I told the agent that I would like to pay and would like the account to reflect receipt of payment on XXXX and interest adjusted accordingly. I was told " Flagstar does not owe me anything ''. The agent reminded me that this would not reflect on my credit score but there was no solution to the fact that interest was now being charged on principal that I had paid on XX/XX/XXXX. I did not have access to my money between XX/XX/XXXX and XX/XX/XXXX. The amount did not clear " pending '' status until XX/XX/XXXX. 
XXXX Once the refund from Flagstar cleared my account I made my XXXX payment. 

As a consumer, I am not at fault for Flagstars inability to have the accounts they purchased ready for payment receipt by the due date of the payment. They knew they were the new service provider on, at a minimum, XX/XX/XXXX. The accounts should have been created and ready for payment receipt on XX/XX/XXXX. The account information was given to me in the XX/XX/XXXX notice from XXXX XXXX. Therefore, the account was clearly created, yet on XX/XX/XXXX my payment was rejected as " invalid customer id '' In this situation, I did not have constructive receipt of my money between XXXX and XX/XX/XXXX ( day it showed " not pending '' ) I am one of millions of Americans whose mortgages are sold every year. This Pattern of Behavior among mortgage service providers is an unfair practice that thrives off of a consumers lack of knowledge. Most consumers are probably paying the missed payment and are unaware of the impacts of compounding interest.

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 2018-02-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Regarding erroneous item Carecredit/XXXX XXXX_acct XXXX reported by XXXX XXXX  to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX XXXX is reporting this account as " Collection '' when they have not legitimate claim, and has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. Synchrony refers to " Care Credit '', which is a debt that was satisfied two years ago, assumes they are one and the same accounts. Synchrony has most recently communicated that they have terminated collection efforts on the account, but will continue to report activity on it, which they have not right or claim to do. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX XXXX  has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

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 2017-06-07
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is sending me documentation that is completely made up with no signatures. The document was clearly made up After my move out date with no signatures. The document that was signed by me in the move in date was disregarded since it had so many complaints in it and the new forged document with no signatures and with amounts that are clearly changed over and over being crossed out. Also date being crossed out over and over again. This company is committing fraud by forging documents with no signatures on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We currently live in XXXX and have been for twelve years, and I've been dealing with this annually on my visits home in California and over the phone ( XXXX ) and emails but I can't figure this one out.  Any advice is welcomed. 

Basically I got stock for a company that I worked in the US ( XXXX ) ran now by the company called XXXX before moving to XXXX. Before I left I contact them and my bank Citibank and wanted it sold and rolled into my IRA. 

Now what happened was the stock company was contacted by Citibank, but Citibank however forgot to input it into their system. 

So for over a decade I can't access, sale or collect dividends on my stock because it shows the bank 's name as head of the account.

The bank has nothing on their end and refuses to help ( for example writing letters showing they are not the owners of this account or stock, and the reason is they don't show it ). 

Every year I go back, I make calls, and every year poorly educated individuals swear this time it's fixed. This has been ongoing for over a decade. As you can tell neither company is willing to understand and says they can't help it without the others acknowledgment. 

The stock company refuses to give me the previous dividends since the openning of the account over a decade ago, although they told me over the phone they can, and the bank refuses to write anything saying they don't show that account for me in their system and are not the owners of it. The stock account ran by XXXX is named Citbank NA IRA Rollover XXXX XXXX XXXX. 

Im exhausted, I'm tired and I'm sick of wasting precious vacation time back home away from aging family at a bank for a few days each trip or on the phone. 

I want all dividends reissued to myself, and I want Citibanks name off of my accounts since they have refused to resolve this issue. I want to auto-deposit dividends into my XXXX account from here on out and don't want to deal with Citibank. 

My address has been updated to a XXXX address at both companies.

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 2022-08-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
By XXXX XXXX, the bank notified us that my case regarding to fraudulent withdrawl of {$10000.00} from checking account ending in XXXX is closed, again. 

The bank suggested us to file a police report with the affidavit declaring that the withdrawls on XXXX XXXX & XXXX were unauthorized and were not done by us who are the owners of the account. The affidavit was sent to the JP Morgan Chase and was notarized by the County of XXXX XXXX XXXX of New York. HOWEVER, the police station could not let us file a police report with simply using the affidavit and they insisted us to ask the bank for providing a letter stating the case is open and under investigation. 

We then turned to the bank to ask a letter which the police station asked for ; HOWEVER, the bank said they need a police report in order to reopen the case. 

Now the thing is that it is running in a loop. The police needs bank to prove the case is open to file a police report but the bank needs a police report to open the case. We have tried our best to talk to both sides but nothing is improved. 

The fraudulent withdrawls had been taken place for over 8 months and nothing has been done yet. Nothing. We have repeatedly provided the evidence, including the air tickets showing the owner 's absences during the period, proving the owners were absent during the fraudulent withdrawls happened and it is clear that someone used our signature to withdraw the balance from our account unauthorizedly. This is clearly a crime but bank did nothing and they refused to believe this is a crime. They can also use the camera resources from the branch system to view who was illegally withdrawing our account and file a police report but they did not want to take the responsibility to admit this is a crime because they did not want to make any reimbursement. 

This issue has been there for over 8 months. {$10000.00} was stolen, which is 2/3 of our family income. We now live in a proverty and have very little money to survive, especially under the circumstances of global inflation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am XXXX XXXX XXXX ( XXXX, US Public Health Service ) serving at the US Embassy in XXXX XXXX, XXXX. My wife and I applied for a mortgage to purchase a home in New York. Because we are based overseas, we need to rent the home out until we return back from service overseas, so we applied for an investment property mortgage. 

We applied on XX/XX/2019 with Bank of America, our current bank. 

On XX/XX/2019, I received an email from Bank of America that said that our mortgage application had been denied, because : ( a ) we are living in a country ( XXXX XXXX overseas and are not eligible to receiving financing to buy a home in the US, ( b ) we must sign all disclosure documents while in the United States. Please note that we are not residents of XXXX. We are carrying US government diplomatic passports and serving at the US Embassy on XXXX XXXX. 

As a XXXX  XXXX covered by the Servicemembers Civil Relief Act, I am concerned that I have been denied a loan, because I am serving my country in a hazardous overseas location in the defense of my country. It seems Bank of America will only provide me a loan if I return back to the US -- in violation of my duty to the US government and sacrificing the defense of our country.

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 2022-08-11
Company: EQUIFAX, 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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-16
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several attempts have bin made to contact collection agency below for account validation, NOT verification. I respectfully requested that this agency provide me with competent evidence that I have any legal obligation to pay them, witch they have failed to do so. 
Collection Account : Receivables Management P, in the amount of {$510.00}. 
Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Lending Club Corp
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 status incorrect

Complaint:
I re-consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit. The Current Payment Status under Lending Club Corporation shows in collections, but the amount was transfer into XXXX XXXX and I am still paying on the amount. 

It also shows in their " remark '' notes that another lender purchased the debt, and Lending Club Corporation was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
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:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible

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 2019-04-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed online by a person that told me to send them money in exchange for XXXX. The account has been scamming lots of people and I notified Chase of this fraud account and to check all the cash that has been sent to his account. I posted on twitter to raise awareness of this issue and there has been a lot of people scammed into the same scheme of sending this guy money. His name is XXXX XXXX. I have the email account he used. XXXX He uses this email on XXXX  to get money. I asked chase to reverse the transaction since he has scammed me out of {$3600.00}. As of today, Chase has denied my claim and sees no fraudulent activity whatsoever. The guy even came forward and said he was scammed as well. I want my money back. There is no protection whatsoever. The account and email he uses has fraudulent activity on it. Cash going in and out. Chase refuses to do anything to rectify the situation. Why partner with  XXXX if they are just going to XXXX people. It might not be a lot but this is theft to me. Money gone for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my Experian, XXXX, and XXXX credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..ACCT : XXXX late payment. XX/XX/XXXX XXXX Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, 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 explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: TX
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:
To whom it may concern : RE : Third Party Accusation Please be advised that I have received your computer generated response stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. So you stated in complaint XXXX that you need my authorization even though I supplied you with a police report, ID theft report and a request to block this information. 

Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me that I questioned the accuracy of a few items on my credit reports. That request was submitted by menot a third party agency. 

It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. 

I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. 

Please take notice that this communication dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your form letter response, thus giving you only 15 days, not 30 more. 

I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately. 

Sincerely, 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