BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted in I believe XX/XX/XXXX from XXXX XXXX or I may have noticed it on my credit report, I promptly contacted XXXX and had to fill out a Fraud Packet and file a police report. This was removed from my credit. The account was opened in XXXX Florida and they would not even tell me the type of credit it was I assume cable or wireless due to it being XXXX. Fast forward to XX/XX/XXXX and I am then contacted by a credit agency and once again dispute the validity of the debt. It was once again removed from credit. I wake up this Sunday morning and once again it has been added to my credit from a new credit agency. Not only are they reporting this account but have the account as being opened in XX/XX/XXXX when in fact I called and spoke with a customer Service rep at XXXX XXXX they told me it was the same XX/XX/XXXX account. How many times can this be sold out of different companies to ruin my credit? I have credit protection and fraud alerts everywhere and it doesn't seem to matter. And this last agency never even contacted me prior to adding this to my report and specifically in the disclaimer told me they would sue me. How do I stop this nightmare?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: Experian Information Solutions Inc.
State: NC
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:
Under FCRA & FDCPA, Experian refuse to remove and delete XXXX from my credit report for not responding to my debt validation within 30 days. I have provided proof see attachments -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. 

Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),  creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.

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 2018-06-19
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had applied for a mortgage through keybank. I turned in all my Information that was requested and needed. The girl that was working on my loan had left and my file was given to someone else. But before my original loan person had left she had already got my paperwork done and ready to be processed to the point where nothing else needed done. My file was handed over to the new person and that's when it all went down hill. For some reason this new person re started the loan all over again and just made the process very difficult and stressful. She was very hard to get ahold of.. wouldn't answer us back for days and that included calls, emails and texts. Keep in mind that this is for a house so we have a strict deadline for our closing date. Being that we wernt able to get ahold of our loan person we decided to go to her boss. That was a waste of time because he was no better at customer service or returning messages or calls. There was times that they sent other personal emails to me by accident and there was times that they refered me as someone else and had called me by the wrong name. I had to constantly remind them who I was. I paid for my appraisal and it was never ordered.. My application for my loan was never submitted.I dealt with this for almost three weeks before I decided to go to another bank. At one point I had to get it boyfriend involved because I wasn't able to handle the stupidity. She would tell him one thing in an email and tell me another. Very incompetent. And when I asked nicely for my file to be emailed to me so I could have all my information for my new lender and I was told no! My new lender refused to send me my own personal documents because she said she wasn't providing them for my new lender! I have tests to prove it. I was put at risk for losing my house because of keybanks poor customer service. Very disorganized and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I took out a mortgage with XXXX XXXX XXXX XXXX, a federally chartered savings bank for the amount of {$290000.00}. I defaulted on my mortgage because I could not keep up with the payments. Since I took out my mortgage in XX/XX/XXXX, it has been transferred three different times. The first one was on XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX   XXXX XXXX XXXX XXXX XXXX as nominee for XXXX, XXXX   XXXX. to XXXX XXXX XXXX, XXXX. The second assignment of mortgage was filed with the XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX. The third assignment of mortgage was filed with XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX, XXXX started a foreclosure action against me in the amount of {$270000.00} which is a {$16000.00} from the original loan amount. How is that even possible when I paid over {$100000.00} before defaulting. I have tried fixing the problem by submitting a loan modification on XX/XX/XXXX and XX/XX/XXXX getting denied both times. It seems like they do not care whether I pay them back or not, they just want me out of my home which I am working hard to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: WELLS FARGO & COMPANY
State: NY
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 just received the most disappointing response of all to date from Wells Fargo Representation as they've made no attempt to explain they're newly redefined modification terms hat was offered to me back in XX/XX/2010. Little do they know that I had given the modification to legal experts for review and they themselves found no fixed rate offer, but somehow Wells Fargo after a month of reviewing their own Modification determined that it was a fixed rate modification offer after all ... So sad to think that the modification I was looking for from Wells was offered nine years ago, that is if you are to believe whats being conveyed today because you wouldn't know it by reading the then proposed modification? Any legal action resulting in a court hearing would definitely rule in my favor, which is probably why Wells Fargo 's latest response is the most cryptic and deflective of all, and yes thank you for all the past miss-information and inconsistencies as they will serve me well. I know Wells Fargo 's culpability all to well and as far as this platform for resolve Wells has hired all actors playing the part of support and resolve specialists, but all they do is look for ways to slither way unscathed and check their box.

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 2018-08-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It may concern, I XXXX and XXXX XXXX would like to formally complain about my mortgage servicer Mr. Cooper. I submitted my complete application for mortgage assistance about 2 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They admitted to handling wrong our case and that he was sorry but that my house will go for sale on XX/XX/2018. I explain that I have a family and that we are going to be in the street and my mother is very Ill to be move suddenly but he did not show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating us like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission to Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call on my own mortgage servicer.Please, help me I do not want to be thrown out on the street with my family. Yours truly, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Investigation took more than 30 days

Complaint:
I have mailed in dispute letters 3 different times dated XXXX and all 3 major credit bureaus have not responded to my request. By law they should have mailed me my investigation reports within 30-45 days of receipt.

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 2021-06-25
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
There are two separate issues I am having with Flagstar Mortgage. 

First - Loss Mitigation Department : I have applied for a loan modification with this company 4 times within the last year and was approved by them for the modification, then denied after approval, by their error. They have admitted to this, but still are requiring me to resubmit an entirely new modification request. This is absurd and unlawful. Meanwhile, Flagstar will not accept my payment and my past due balance keeps on climbing. In addition, my 2 most current invoices now state I am on the XXXX XXXX Flex Modification, but when I call to discuss this and ask what I need to pay each month, I am told that is an error and I am not actually on the Flex-Mod option. I want to be able to have my payments accepted by Flagstar and receive the modification I was already approved for. 

Second : Loss Draft Department : I am at now 6 weeks of needing my entire roof replaced and no payment disbursed. I now have a hole leaking water and causing mold in my roof and I have submitted two checks right at XXXX to them from my insurance company already. I submitted all paperwork required to be submitted to their loss draft department and have proof of it. By law, they have to either pay for someone to come repair my roof with the insurance money I sent into them or allow me to pay someone. I requested they send the check out in the contractor 's name. Neither of these things has happened and the call I just got off of told me they had no supervisor available, no one to speak with regulating this department to put a complaint in to and for the third time in two and a half weeks I was told I would get a call back within 2-5 business days with a follow up from a manager. Bottom line is that Flagstar Mortgage company is withholding insurance money on a completed loss draft file. I do not have another week to wait for a callback that never happens from a supervisor. Every day, the roof is getting worse due to the leak.

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 2017-08-03
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX 2017, my Citibank XXXX ending in XXXX was part of a data breach at XXXX XXXX. I cancelled my card XXXX XXXX, XXXX when suspicious charges began appearing. At the direction of Citibank, they said not to contact any merchant and that they would cancel my card and send out a replacement. They said cancelling the card will eliminate any charges set up as recurring from continuing on my new card. In the months of XXXX, XXXX and XXXX, one charge keeps showing up on my card ; XXXX XXXX XXXX XXXX XXXX XXXX for {$150.00}. Each month I have had to explain the problem and request the charge be cancelled. I do receive a credit but the charge appears the next month. Today I called and was told that Citibank did not follow their own process for recurring charges and that they will have to cancel my replacement card and issue a new one to eliminate the recurring charges. Im requesting that Consumer Financial Protection Bureau contact Citibank to ensure that the problem of a recurring fraudulent charge is resolved permanently.

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 2017-12-23
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX XXXX XXXX located in XXXX XXXX informed that they were closing the bank for good and that I would have to call in order to close my account and retrieve my funds. I contacted them several times until they finely sent me an online document to sign in order to retrieve my funds. They told me that a check would be mail within 10 days, but I never got the check. I contacted them again in XX/XX/XXXX and received the same answer that they will have someone call me. So I waited until XX/XX/XXXX and called them again and got the same answer. In XX/XX/XXXX they finely told me that a check was sent out and cashed. I asked them what address the check was sent to and who cashed it, but they refused to tell me. They told me that they would be issuing another check and that I would have to contact the fraud department. When I asked to be connected to someone in that department, I was hung up on. after making several more calls over the month I decided to contact the Attorney General Department. To this date, I have not received a copy of the cashed check or been contacted by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I purchased a computer from XXXX for {$1500.00}. I paid thru XXXX. When I received the computer, it was not as described. I received a shipping label from the seller, and returned it the following day. My case with XXXX is XXXX. After I returned the computer I called Capital One, my credit card company and disputed the charge. They issued a credit, contacted XXXX, but asked the wrong question. They asked if I had received the item, instead of asking if I had returned the item. Which of course I did. My case with Capital One is : XXXX. Capital One reversed the charge. I contested it, with negative results. I provided them with the USPS tracking number XXXX. The tracking number proved I shipped it back, but shows that the USPS made several attempts to deliver the computer but that no proof of acceptance of delivery was obtained. 
I talked with XXXX agent ID number XXXX of Capital One, and was told that since no proof of delivery was made, that would not reverse the charges. 
XXXX agreed with me, and tried to credit my account, but the case with XXXX and Capital One was still pending so, they could not do anything. 
HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: EQUIFAX, INC.
State: GA
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/2018 I requested that a bankruptcy ( GA Fed bk ct-XXXX ) be removed from my credit file. Within five days this item was removed from my credit file and updated on my XXXX XXXX & XXXX accounts. On each report it showed that the information had been removed from Equifax ; as it had already been removed from XXXX  and XXXX  because the information was due to expire from my credit reports reports. Equifax in the past has removed a similar account voluntarily before the 10 year mark that they claim is the minimum. The other credit reporting agencies remove bankruptcy info after 7 years, therefore Equifax should be no different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: IL
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:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good morning, I have attempted to close my XXXX XXXX XXXX credit card but the agents have been unable to assist. I initially had requested deferment as my children were needing my assistance financially. That was not the case, I am requesting " all '' my credit cards to be closed effective immediately. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery Collections is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is a follow-up to CFPB Ref No : XXXX-XXXX. In their response, American Express stated that " we found that the representatives with whom you spoke provided you with incorrect information about the offer associated with your account '', yet provided no reason why they had incorrect information. I believe this is because my account is showing I am eligible for the Free Weekend Night, but American Express is refusing to provide it. Additionally, American Express has not provided the cardmember agreement which stated the terms of my bonus. I've attached a picture of the offer I signed up for to verify my claim that the offer included a free weekend night.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have several auto leases with American Honda Finance, I have always paid this on time. After the return of the vehicle XXXX XXXX which was returned XX/XX/18 the account was closed out paid in full. I did get a bill for mileage overage which is a separate agreement from the lease - with separate payments and therefore should not be reported under the lease account!

Company response to consumer: Closed with non-monetary relief