BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX, Loan Officer, NMLS XXXX, at Flagstar Bank to inquire about refinancing my mortgage. XXXX told me it would take 60 days to refinance my mortgage. I began the refinance process with Flagstar Bank. I paid Flagstar Bank an appraisal fee of {$550.00}, which was charged to my credit card on XX/XX/XXXX. The appraisal we performed on my home on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the refinance process with Flagstar Bank because they were taking to long. When I contacted XXXX to inquire why the delay, he told me the loan processor was out for 2 weeks and caused a delay in processing my refinance. Interest rates were rising and I did not want to delay refinancing my mortgage any longer. I switched to another, more responsive, lender. I began the refinance process again. Since I had already paid for an appraisal, I had requested Flagstar Bank to transfer the appraisal to my new lender, which they did. When it came time to sign my loan documents for the refinance, I noticed on the Borrower ( s ) Closing Statement a charge from Flagstar Bank for {$610.00}. I contacted my Loan Officer and she provided me with an invoice from Flagstar Bank for {$610.00}, that was sent to my escrow company, for the appraisal stating " Paid Status : UNPAID. '' I called Flagstar Bank 's customer service on XX/XX/XXXX and explained the situation to them. When I asked her to provide me with a paid invoice showing I paid for the appraisal and the fee of {$550.00} was charged to my credit card on XX/XX/XXXX, she declined to do so. I told her I am filing a complaint with CFBP, she did not seem to care.

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 2021-07-14
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... CREDITACPT XXXX ... XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX ... XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
STERN RECOVERY SERVC XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX 2 charges 1. {$150.00} 2. {$510.00} They removed it from my XXXX XXXX but still shows up on XXXX and XXXX  credit reports which is effective my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After doing a loan modification we received an approval but the payment was too high for us. To save our credit we decided to do a short sale with XXXX. When we began this process we were less than 4 years behind on the mortgage. XXXX took forever to work out our short sale and then they transferred the loan to Carrington ( owner of the loan is HUD ). We then had to start the process all over again.

HUD recently denied us stating we are 40 months past due so they wont review our short sale. Carrington did an appraisal which came in at {$470000.00} three months ago and the offer is a full price offer which is {$470000.00}. HUD has denied giving us proof of this 40 month rule saying its an internal rule and there is nothing on paper. Even if this so called rule does exists, the basis of it makes no sense to all parties involved, included HUD. 

The short sale has been in process for 2 years. The bank has done several appraisals showing value of XXXX. The offer is {$470000.00}. The buyer has stayed around through delay after delay and has a family which they were trying to place in the home and in the school system. Why would HUD want to waste tax payer money to take a home in which they have an offer at the the current value of the home? We understand the borrower is behind and he is trying to do everything to avoid a foreclosure. There is no justified reason to let this house go into foreclosure when we have such a solid offer, again, at the market and bank value. 

HUD will have to evict the owner after a foreclose and then resale the house which could take a few years and will end up with a potential offer lower then what we have or at the very least equal to it. After taking into consideration fees, costs and expenses over the next 12-18 months HUD will take even more of a loss then they have which in turn will cost tax payers even more money that can be avoided. We have a strong buyer who can close within 45 days of short sale approval. Please have this decision overturned and approve the short sale. 

( XXXX ) XXXXFHA case # XXXX. This is the contact information we had and spoke to several reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
someone opened this account with my information and also deposit checks into it I tried to get this dispute because I never opened and bank account with bank of America before

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 2018-03-14
Company: First National Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of First National Collection Bureau , Inc . I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX XXXX XXXX veteran. Common wealth financial has put a {$1800.00} charge on my credit report for a medical bill that belongs to the VA. In XXXX the VA was held responsible for not paying medical bill including mine. This shows on my credit report as of XXXX XX/XX/XXXX. I do not accept responsibility for this charge. I ask that this charge be removed from my credit report immediately. I have not been to the emergency room for well over 2 years and if I was it would have been covered by the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: NY
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXXXXXX XXXX  XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo recently started charging my checking account a monthly service fee of {$10.00}, despite my meeting the requirement for waiver of the fee by exceeding the minimum age requirement. After I protested, Wells Fargo did send a check to me for {$24.00}, which they falsely indicated was for reimbursement of the monthly fee for XXXX accounts ( I only have XXXX ) and whether XXXX or XXXX accounts the check should have been in the amount of either {$20.00} or {$30.00} not {$24.00}, so the check must have been for something else, leaving me still awaiting reimbursement of the incorrectly assessed fees.

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 2021-11-05
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
US Bank was the lien holder on my vehicle which was involved in an accident on XX/XX/2021 that resulted in a Total Loss. On the date of the accident, the balance owing was {$17.00} XXXX. I continued to pay my installments to keep my account current while the insurance company was processing the property loss claim. The insurance eventually paid {$14.00} XXXX. On XX/XX/2021 I canceled the mechanical protection plan with XXXX XXXX XXXX XXXX. On XX/XX/2021 XXXX XXXX issued two checks to US Bank for this refund. One check in the amount of {$480.00} & a second check in the amount of $ XXXX.Please see the cashed attached checks. It came to my attention in XXXX that US bank had not applied these checks to my account. Then began my almost daily calling to US bank to trace the checks. Every time I called, there appeared to be no evidence of these checks or my previous calls. I followed up with XXXX XXXX and received copies of the cashed checks. I emailed, snail-mailed and eventually in desperation faxed the copies of these cash checks in a desperate appeal for help. But all I received was a collection note which I immediately responded to and was given the same treatment. I have literally spent hours calling US bank, following up with emails & more phone calls, and last night when I received a notice that my credit report now has a delinquent notice reported I decided to lodge this complaint. Please can you help. This is very unfair and has very serious ramifications on my credit and my life. I have worked very hard to have impeccable credit and this incompetency is completely unfair.

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 2019-05-17
Company: Medical Data Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
fraudulent attempt to collect a debt I do not owe. I notified the company this was a result of identity theft, filed report with the FTC and also filed a police report. MDS has blatantly ignored my requests and is illegally attempting to collect a debt that I do not owe.

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: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notification on XX/XX/2022 that my Homeowner 's Insurance ( XXXX ) was cancelled due to non-payment. Contacted PennyMac on XX/XX/2022 to confirm payment was made from my Escrow, they advised it was just paid on XX/XX/2022 ( though online system says XX/XX/2022 ). Pennymac tried to contact insurance company, but was unsuccessful due to it being a Saturday. Contacted Pennymac again on XX/XX/2022 to find out what happened. They confirmed the above and contacted the insurance company. Insurance company advised they did not receive payment, policy is lapsed and I'm not covered. Only option to reinstate at this time was to pay {$450.00} or wait until Pennymac 's payment was received. Considering this is not my fault, Pennymac should look to make this right ASAP and not wait for the payment to be received, including incurring all costs to reinstate immediately. XXXX has confirmed they will reinstate back to XX/XX/2022 as long as Pennymac 's payment is recevied by XX/XX/2022, however will not provide any coverage for any loss until payment is received. Pennymac also advised I will need to continue to follow-up with the insurance company to validate the payment is received, taking no responsibility for the delay and cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: AMERICAN PACIFIC MORTGAGE
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We were the sellers and we were set to close on the house on Friday XX/XX/19. On Wednesday XX/XX/19 the loan officer forgot to have a closing document signed by the buyer, which is required to have 3 business after the signature, in order to close! Tuesday XX/XX/19 was the 3rd business day. We get a clear to close from the buyer but now were told signing wont happen until Wednesday XXXX. So now 3 different families have been waiting a week to close and 1 family has been XXXX this entire time. Does American Pacific care? No!! Wednesday morning comes, we are physically at the signing table, the buyer is not clear to close anymore?!? The buyer sits at the title office for 9 HOURS! on Wednesday waiting for closing paper work. Meanwhile, no one is getting a call back or any kind of communication from American Pacific!  Neither the buyer or us, the sellers. Any communication we do receive is someone passing the buck and blame on someone else. No answers to why these closing documents were not ready or being sent. 5 times this happened!! We demanded calls back. That never happened! Worst customer service in the United States!! We did not close until Wednesday night at XXXX local time and this was only done on Wednesday, because the title company stayed late for us, waiting for these documents. Otherwise it would have been pushed to Thursday.

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 2021-05-30
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
every time i try to get a line off credit on my checking account navy federal refuse to give me on this is not the first i have tried so many time i have been a member with them for over 40 years, to me they are so hatefully company and they don't care about they customers its all about they money especially the CEO XXXX she don't care. and its sad

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The apple app crashed where my payments were being made via auto-bill and I was not able to make my payments for XXXX and XXXX of this year. I reached out to the company but it took two months for them to resolve this issue with the app. The company was notified and were aware of this payment issue. However, they never notified me of this app issue causing late payments on my credit report. I now can not get approved for a mortgage because of these marks on my credit. The company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Before you attempt to read this message I want to let you know that this isn’t a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS: XXXX, XXXX XXXX  & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and you’ve violated my rights as human being and I’m forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that you’ve caused stress and more to my life than you ever can imagine. I will be filing a lawsuit very soon and will be looking to be compensated an amount of $XXXX for all the damages.

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 2018-01-31
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive a notice from XXXX XXXX XXXX Stating that I owe a debt for XXXX XXXX Nevada for {$580.00}. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX   XXXX and XXXX XXXX that stated I owe them in the amount of XXXX.. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill. I sent them 2nd demand letter requesting the same information. They sent me a letter that states these exact word. 

Dear XXXX XXXX Cavalry is in receipt of the letter of dispute made pursuant to the Fair Credit Reporting Act ( " FCRA '' on the above referenced account. 

In acknowledgement of the dispute, we have requested that consume reporting agencies report the account as disputed. 

We have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow us to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA. 

Please provide us the specific information that is being disputed and an explanation of the basis of the dispute. 

If you have any question please contact us at XXXX from XXXX Eastern time Monday through Friday. 

Well I have call and sent certified letter and gave them all information that they request and they keep sending me this same letter. Never addressing that this is not my account. I never had a XXXX account and I want this remove..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We own a restaurant in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.

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 2019-09-08
Company: Auto Trakk, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX XXXX XXXX paid off my car with Autotrakk. Information was sent and check was signed for on the XXXX of XXXX. My vehicle has been disabled by Autotrakk on the XXXX of XXXX and on XXXX XXXX.this has prohibited me from getting back and forth to work. I had to leave my car at the airport when returning from vacation which cost me {$45.00}. I have had to pay {$30.00} per day just to get to work and back home. This issue with Autotrakk has been costing me money as well as mental distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation