BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-01
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our loan was transferred from XXXX XXXX to Flagstar Bank in XX/XX/2018. I called the bank to see where we needed to send our payments. The representative I spoke with told me that we had a 60 day grace period during which we didnt have to make our payments because there would be no late fee or penalties. I asked multiple times if XXXX and XXXX payments would be due when it came XXXX and he assured me they wouldnt. He also assured me that we wouldnt be penalized for those payments later on, none of that information was correct. We are now two payments behind and have been trying to play check up ever since. This all couldve been avoided if we had been given correct information to begin with. Weve had our mortgage for three years with no issues at all but weve literally had problems nonstop since the day our loan was transferred. Im beyond fed up. We are now charged a fee monthly on our bank accounts at XXXX since our mortgage isnt with them anymore which isnt fair at all because we had no say in this transfer. " Consumers should not be collateral damage in the mortgage servicing transfer process, '' said Consumer Financial Protection Bureau Director XXXX XXXX. Well we definitely feel like collateral damage to say the least.

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 2021-04-02
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XXXX of this year I applied to Quicken Loans to refinance my current mortgage with XXXX XXXXXXXX XXXX I gave Quicken Loans all the documentation including proof that XXXX XXXXXXXX XXXX  had erroneously listed a forbearance with the credit agencies when if fact it was a deferment. I even provided proof with a letter from XXXX XXXXXXXX XXXX indicating that they made a mistake and were in the process of correcting the listing with the credit agencies. Quicken Loans said they had to disqualify the loan based on the the forbearance, but I provided proof it was not. This is against the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: AMA Advisors, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I did a FHA Streamline refinance with Home Bridge Financial services in XX/XX/XXXX that lower my interest rate from 5.5 % to 3.3 % mortgage payment went from {$1600.00} to {$1200.00} it appear to be a good deal until I got an escrow shortage in XX/XX/XXXX total of {$4600.00} with mockery when I turn down to to a repeat FHA loan to got down to 2.9 % but they wanted me to pay the escrow shortage upfront, and I still would have a higher mortgage payment of XXXX up to XXXX and when I turn down at the suppose closing, I seen have been targeted by this loan service company, I also has to do a tax correction with that lower the payment of XXXX to XXXX without the opportunity to paid the difference of XXXX tax increase and correction of XXXX which would come out to XXXX that would have lower my monthly payment instead that want to pay the total shortage of XXXX, causing a hardship because they feel I can't pay the shortage in full I am accusing this company of loan Stacking, I did receive XXXX back from the original refinance from XXXX XXXX but wasn't inform that there would be a escrow storage on this FHA Streamline or else I would have hold the money I believe it was not told to me on purpose to cause a hardship that can lead to possible foreclosure

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
XXXX {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX car was disable when payment was made in full XXXX XXXX XXXX car payment was made in full payment XXXX ( i was told by an agent that there customers service billing was not updated so they couldn't see that i had made a payment ) my car stay disable all my job that's over an hour away for two extra days after the holiday. 
XX/XX/XXXX car payment made in full XXXX ( i was told that they phone billing system was down once again and they couldn't see that my payment was made in full due to they system being down ). 
XX/XX/XXXX payment was made in full online XXXX ( i was told by an agent they couldn't view my payment was made online due to they system not being updated ). 
XXXX XXXX car payment was made in full online for XXXX ( i call tried to speak with supervisor agent gave me the run around from XX/XX/XXXX, to XX/XX/XXXX trying to see why was my car disable when my car payment was made in full on XXXX XXXX. Waited on the phone for over an hour to speak with supervisor i asked agent for corporate number and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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:
Due to medical bills that I had in collections ( since removed ) I applied with XXXX XXXX, XXXX. and XXXX XXXX XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.

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 2018-03-02
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.

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 2022-07-05
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loancare/XX/XX/XXXX Forebearance Date : XX/XX/XXXX Loss of Income due to COVID-19 Job Layoff XX/XX/XXXX : Requested Modification due to XXXX becoming employed XX/XX/XXXX : Submitted additional documents per Loancare request XX/XX/XXXX : Submitted additional documents per Loancare request XX/XX/XXXX : XXXX Laid Off again XXXX but continue to work with bank on Modification. 
XX/XX/XXXX : Received Loan Payment Statements, sent email requesting them to contact us because of Forebearance and Agreement not finalized XX/XX/XXXX : Additional documents (XX/XX/XXXX ) All documents signed/notarized/XX/XX/XXXX package to Loancare XX/XX/XXXX : Agreement for Modification completed and sent to Loancare/XX/XX/XXXX with their XX/XX/XXXXaccount provided with all documents for signature XX/XX/XXXX : Received email stating all documents have been received XX/XX/XXXX : MODIFICATION AGREEMENT ON RECORD WITH REGISTRY OF DEEDS XXXX XXXX Pg XXXX recorded XX/XX/XXXXXX/XX/XXXX Case # XXXX. 
Attempted to make a payment, payment was returned for NSF due to extensive payment processing from Loancare/XX/XX/XXXX 
Mon, XX/XX/XXXX XXXX XX/XX/XXXX Received EMAIL from Loss Mitigation requesting additional documents for Modification ( why when modification agreement was on record with Reg of Deeds? ) Numerous calls to the LoancareXX/XX/XXXX different representatives telling us that we were not under Agreement for Modification?!? It's on Record with R.O.D. Agreement includes Penalty Fees, Late Fees and all other fees that the Federal Government said would/should not be charged to the Consumer. 
XX/XX/XXXX @ XXXXXX/XX/XXXX : Contacted the bank spoke to XXXX was put on hold for XXXX minutes, and was disconnected. Sent XX/XX/XXXX as requested via EMail. Received by USPS request from Loancare to provide additional documents. 
Early XX/XX/XXXX, received a call from an Attorney stating they were handed my file by LoancareXXXX stating XXXX The Bank sent our Mortgage documents to them to assist with Modification '' Called Loancare/XX/XX/XXXX they spoke to XXXX. LoancareXX/XX/XXXX never sent our file to the Attorney. Result pending fees are in process of being returned. 

This has been very frustrating with no resolution in sight. Our Credit Scores suffered from losing our jobs, we are trying to remain in our home, and continue working with Loancare, but each time we contact them we speak to a different representative giving us different information. Sending the same documents repeatedly

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 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 have no idea why i have a late pay on my report because i always have paid my bill on time very diligently but i have one isolated late pay that i can't seem to get taken off and i know the date they are telling me but i have a payment that was taken out before the 30 days were up at the same time that i paid the other payments so there is no way that it should be reporting as late this one time. I've tried disputing it with the credit bureaus but not had success in removing it. Please help me to resolve this matter. i am a good client of theres.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: FL
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Experian Information Solutions 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 noticed that an account XXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh XXXX regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with XXXX and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with XXXX unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. 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 2023-06-15
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX XXXX XXXX XXXXXXXX On XX/XX/23 XXXX I called XXXX ChecknGo customer feedback department. to request an adjustment to the bi-weekly payment. Obtained installment loan on XX/XX/23 for {$1500.00}. The terms are : twelve bi-weekly payments of {$270.00} I completed the first payment on XX/XX/23. XXXX XXXX branch phone number is : XXXX, I spoke with XXXX XXXX, store manager, She is the person whom I signed documents in person with. 

The loan helped me pay off some debt but I am noticing that the bi-weekly payment is already causing a financial burden. I underestimated the payment plan and did not fully understand how much the interest is on each payment. The contract does not show each payment breakdown. The only method to lower the payment is to refinance. I would have to make an initial payment of 30 % towards the balance, which would be to {$450.00}, which I can not afford. My wife has major health concerns I need to address financially, hence one of the reasons why I asked for funding. 

I can however afford {$120.00} bi-weekly. This will be less stressful and even allow me to make principle payments now and then when I obtain overtime from employer. but the {$270.00} bi-weekly is making it impossible to pay down principle to reduce interest fees. 

If you can please assist me please. Thank you - XXXX XXXX XXXX www.checkngo.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I was in XXXX from XX/XX/2022 didn't get out until XX/XX/2022. My account had money but it somehow said that it went into collections. {$110.00}.

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 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am continually being called on the telephone from XXXX XXXX over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ),  you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.

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 2023-09-28
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am disputing a fraudulent account with y'all for XXXX XXXX for {$140.00} but y'all are not receiving the dispute document I sent online more than once. y'all never receive them XXXX XXXX 's account number is XXXX and the credit collection services Reference number is XXXX XXXX XXXX PIN XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.

Company response to consumer: Closed with explanation