BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I inquired into forbearance back in XXXX of XXXX when pandemic started. I called the 53 bank and asked the details about the program. I was told that I can hold of on payments while I am on forbearance. The options going to be to pay off the forbearance amount when I go back to work, put the forbearance amount on the back of the mortgage ( meaning to spread the pay off ) and 3rd option was loan modification. I understood that loan modification would be to reduce the apr rate. In XXXX of XXXX I called the bank to find out if I do qualify for loan modification. I was told that they are not sure how it will work and they will call me. I waited till XXXX of XXXX and called again. After calling numerous times I decided that I need to end this cause I was not getting answers to as how loan modification would work. I called to speak to them to end my forbearance. Finally in XXXX of XXXX I made a full payment of {$9200.00} to end forbearance. After weeks of calling the bank I thought I was finally cleared of forbearance and payments were applied to my account.. I kept paying my mortgage payments on banks website always on first of the month. On XX/XX/XXXX of XXXX, I received a threatening letter from the bank that my loan is in default cause of non payment. They have added almost $ XXXX to my balance and stated that if I dont come up with the amount my house can go into foreclosure. I called the bank immediately to speak to someone. They were not sure why I was on deferral program to pay off balance which I was paying since. It has been almost a month that I have been calling the bank and does not seem anywhere close to resolving the issue. They did take that balance off but added a late payment fee of {$890.00} to my account. I have never been late and their explanation is that I was supposedly late back in XXXX. But those payments were not late cause when they acquired my loan from XXXX bank I did not get the notification and kept paying to XXXX bank. I was on the phone earlier today with loss mitigation department to resolve this matter and no one can answer as to why I was put on deferral program which I did not ask for. I was making payments every month, I hope that CFBP can shed some light into this matter and help me out. I am truly scared that Imit will cost a lot of $ $ to get out of this cause incompetency of the bank. There is no one to speak to that can explain. I hope to hear from you soon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
A Capital One XXXX XXXX was opened up in my name on XX/XX/XXXX. The card was applied for in store and XXXX purchases were made on the day of opening the card, totaling {$1900.00}, but prior to me receiving the actual card. I received the card in the mail and did not authorize it. I filed a fraud claim with Capital One on XX/XX/XXXX, after I received the card and realized there had been fraud. I also received a XXXX card and a XXXX XXXX card on XX/XX/XXXX and XXXX. Both XXXX and XXXX have deemed their cards as fraud and closed the accounts. 

I filed a police report and have documentation of that. 

On XX/XX/XXXX I received a letter from Capital One stating that I am responsible for the purchases. I called and refiled the case. I received another letter on XX/XX/XXXX stating that they finished their investigation and I am responsible. I called the Fraud Department to reopen the case and they told me no. They said the application was signed by me but they wont show me the signature. They have my correct address but not my correct phone number. They said the phone number was associated with me, based on their research, but I don't have that phone number. They also said a call was made to them on XX/XX/XXXX at XXXX XXXX. They won't compare signatures and i was not in the city where the card was opened up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-08-28
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XX/XX/23 - Letter dated XX/XX/23 received from Flagstar Bank that property was recently mapped into a Special Flood Hazard Area by FEMA. 
XX/XX/23 - Letter dated XX/XX/23 received from Flagstar Bank that I must provide proof of flood insurance within 45 days after the date of the letter. Letter also states that I do not have to establish an escrow account for the flood policy, as I pay my real estate taxes and homeowner 's insurance on my own and not through an escrow account. 
XX/XX/23 - I purchase a policy through XXXX XXXX XXXX XXXX for the maximum allowable limit of {$250000.00}. 
XX/XX/23 - I upload XXXX policy through Flagstar Bank portal. 
XX/XX/23 - Flagstar Bank purchases additional XXXX policy for my property. 
XX/XX/23 - Letter dated XX/XX/23 from Flagstar Bank stating that the flood insurance coverage they ordered on my behalf has been cancelled. 
XX/XX/23 - I contact Flagstar Bank to inquire why they have purchased an additional policy for my property. I am informed that, contrary to their letter dated XX/XX/23, I can not purchase a flood policy on my own and must establish an escrow account and the flood policy must be purchased by them. 
XX/XX/23 - Policy documents for Lender Placed Flood Insurance through XXXX XXXX XXXX XXXX received from Flagstar Bank. The policy was purchased by Flagstar on XX/XX/23 and back-dated to XX/XX/23. At this time I was notified by Flagstar Bank that I did not have 45 days to provide proof of flood insurance coverage, contrary to the information contained in their letter dated XX/XX/23. 
XX/XX/23 - Flagstar escrow account charge {$520.00}, the pro rata amount for coverage from XX/XX/23 to XX/XX/23. The annual cost for this private, lender placed policy is {$3600.00} which represents a premium which is 493 % of the cost of the same coverage policy through the 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 explanation
Consumer complaint received 2023-04-11
Company: WELLS FARGO & COMPANY
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 noticed hard inquiries on my credit reports that I did not make. XXXX XXXX XXXX XXXX XXXX Wells FargoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These were all unauthorized. Theres also a credit like with XXXX XXXX appearing on my XXXX XXXX report I also did not make.

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 2023-08-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-09-20
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing in regards to the collection with XXXX XXXX. They are trying to collect {$940.00} for Comenity Bank / Boston Store. I spoke to them on XX/XX/22 and I requested an itemized bill. Also, Boston Store went out of business about 3 years ago. I spoke to a XXXX XXXX who said she would send verification. To this date, XX/XX/22, I have not received verification from them. I also called them again 2 weeks ago to request the verification. The representative argued with me and still has not sent proof that I owe this bill. I tried to dispute the item with XXXX and it came back saying that the case that the dispute investigation was done. I know I do not owe this bill. The collection agency has failed to provide me with proof. I want this to be removed from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CITIBANK, N.A.
State: NY
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:
I cancelled an annual subscription on XX/XX/XXXX. The merchant ghosted my cancellation email, and charged me for both XXXX and XXXX. I filed a chargeback dispute with Citi ( which gave the merchant my updated card number WITHOUT my authorization ). Citi, without reviewing the cancellation notice, sided with the merchant because they provided a receipt of annual charge for XXXX and XXXX which I didn't authorize.

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 2023-08-27
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a victim of a fraudulent attack on my Wells Fargo savings account, where the scammer did the following : On XX/XX/2023 an unknown individual ( s ) fraudulently accessed my Wells Fargo bank accounts and unbeknownst to me, added an extra phone number to my profile. On the same date my email account was inexplicably flooded with thousands of emails from many different websites purporting to confirm that I had just subscribed to their news letters. To address this spamming email issue, I immediately began deleting emails at the rate of as many as 1000 emails per hour. I discussed this event with friends and family and no one suggested that I check my bank account. 

On XX/XX/2023 some unknown individual ( s ) apparently logged into my account and ordered a wire transfer from my savings account in the amount of {$3600.00}. I do not know where or to whom this fraudulent wire was sent. After the wire was issued, Wells Fargo sent an email to my email account while I was away from my computer notifying me about the wire transfer. As soon as I saw that email, about 50 minutes after it was sent, I Immediately called the bank to alert them to the fraudulent transaction. The bank said they would make an effort to retrieve the funds which had been fraudulently transferred. The fraudulently wired funds were not retrieved by the bank nor did the bank provide the account number that the funds were transferred to nor dispute that it was a fraudulent transfer. 

Upon further research of my records, I discovered that the XXXX email coming from my bank, notifying me that an extra phone number had been added to my account, was buried in that massive spamming subscription email attack of XX/XX/2023. It was clear that the spamming attack was designed to conceal the notification email. I did file a police report with the local police department. 

The bank never texted to my primary phone number, the phone number that I personally set into my profile, any of the notifications that could allow me to prevent this theft. 

The bank should have confirmed to my primary phone that a new phone number was attempting to be added. 

Wells Fargo does not dispute that the wire was fraudulent nor has it provided any evidence that it was 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 monetary relief
Consumer complaint received 2021-05-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT
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:
I traded in my Nissan Truck lease XX/XX/XXXX to XXXX XXXX XXXX XXXX, UT XXXX XXXX paid the lease off XX/XX/XXXX Nissan claims to have received check XX/XX/XXXX I contacted Nissan XX/XX/XXXX about the pay off they said they have the check but are holding it. I reached out to XXXX XXXX who then called Nissan 3x and sent them over what was needed repeatedly. 
XX/XX/XXXX XXXX XXXX reaches out to them again they still want the same paperwork that was already sent to them XX/XX/XXXX account is still open Nissan will not respond to me or close my account even though they have the money in their possession to pay the lease off and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX west asked for money judgement possession of unit XX/XX/21 in the amount of ( {$7900.00} ) I moved out XX/XX/21 due to infestation of mice left a XXXX balance. They allowed a squatter to move never told me. 
The Judge was made aware in XX/XX/21 gave possession of unit but did NOT grant money judgement. XXXX agency is aware. Case number is XXXX court phone number is XXXX l. This all took place during covid. I collected and share court documents with credit bureaus and collection agency. They still wont remove the {$19000.00} collection placed on my credit profile illegally. This has stopped me from buying a home. Caused me denial of credit and higher interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I hope this note finds you well! 

I was writing in regards to the recent news of Student loan company Navient canceling the debt for approx.. 66,000 people in a {$1.00} billion settlement. Im an individual who has felt the burden of massive student loan debt, and agree that Sallie Mae/ Navient are rightfully being accused of predatory lending, and giving individuals such as myself massive private loans, despite knowing that we had little chance of paying it back and then charging interest that drove us into debt.

While this settlement is great news, the provision that states only borrowers who were behind on payments for seven consecutive months prior to XX/XX/2021 qualify to have their loans canceled, but those who are current on their loans are not, doesn't ' seem to be very unfair. Im not sure if youve dealt with the harassing phone calls, and threats of garnishing your wages, but being forced to make payments or join their payment programs in order to not have your entire life and credit score ruined, is an extremely anxiety ridden thing to deal with.

PLEASE DO SOMETHING ABOUT THIS PROVISION as this is excluding a significant amount of people with an intense amount of debt, when they were only trying to better their continuing their education journey.

A predatory loan is a predatory loan and should be based on the qualifications of the loans themselves, how the loans were granted, and NOT necessarily how they were paid. Thank you for your time and consideration as this would be a live changing event for me and my family! 

Thank you for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These Accounts have violated my rights According to FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion has continued to report an inaccurate and unverified tax lien and bankruptcy without verification to support it. I have sent in notarized dispute letter after dispute letter with response from TransUnion response ; Tax Lien ( XXXX County Clerk - XXXX ) ( The County Recorder of Courts ) and Bankruptcy ( Texas Fedreal Court-XXXX ) ( The Bankruptcy Courts ) has been verified, which is not true because The County Recorder of Courts and The Bankruptcy Courts does not verify credit information. TransUnion will not provide me with any verification of proof that I have requested. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Courts and The Bankruptcy Courts emphatically has stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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 2023-07-01
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:
This letter serves as a formal complaint that you are repo inaccurate and incomplete information on my credit report. notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
XXXX XXXX XXXX : XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. ; is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to pro that proof, or if lacking proof of these payments being late. please update my_payment history PAANL status Stop trying to get late payments consumer protection laws

Company response to consumer: Closed with non-monetary relief