BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Flagstar Bank Att : XXXX XXXX XXXX XXXX XXXX, MI XXXX Loss Mitigations Re : XXXX XXXX Loan # XXXX Property Address XXXX XXXX XXXX XXXX XXXX Ca XXXX To whom it may concern I have been receiving threatening letters stating my loan is past due yet my forbearance ends XXXX XXXX. I am enclosing a copy of a recent letter I received stating my account is past due in the amount of {$57000.00}. 

I have called several times about these inappropriate and disturbing letters to discuss the current status of the loan and I was told to disregard the letters. I officially began the process of a streamline loan modification on XXXX XXXX. I was told I would receive a letter in the next 4 to 5 weeks. The application process was done over the telephone by a woman named XXXX XXXX, who would not give out her last name due to company policy. 

She said paperwork will come in the mail and when receive it, I am to fill it out and send it in and they will reach out to me. Meanwhile, she said, the loan stays in and is protected under the forbearance with no adverse credit effects and a member of the hardship relief task force will reach out to me. These were her exact words. 

After receiving another threatening letter last week, I once again called and spoke to XXXX XXXX his employee code # XXXX, he told me the call was recorded for my protection. He looked up the account and verified the loan mod process was underway as of XX/XX/XXXX. He said Flagstar was completely overwhelmed with applications so it could take up to 6 weeks for me to receive a letter with the loan mod offer. He assured me my account was in good standing and the forbearance supersedes any demand for payment. 

Why are you sending me threatening letters that dont apply? I find them very frightening. This is very suspicious and a dubious practice on behalf of Flagstar Bank, especially when your employees tell me to ignore them. If I should ignore them, then they should not be sent. It tells me I am in a bad status of some sort, and I am very concerned. 

I have records of all the calls I made and the names of those I spoke to since the beginning of this forbearance as I made sure I am always in compliance. When I asked for a letter from XXXX XXXX in the forbearance department stating that my account is in good standing, I never received it. 

I do not appreciate these threatening letters and I am asking you to stop harassing me with them as they are not correct. I am also asking for a response confirming that your records show my mortgage is current and in good standing. You brought this on yourself by sending letters to me implying that it is not, and now I want your assurances in writing that everything is okay with my mortgage. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We were approved for pandemic related forbearance on our mortgage in Spring XXXX. In XXXX of XXXX we extended our forbearance through XXXX of XXXX. In XXXX we decided to pay the balance that accrued during forbearance and became current on our loan with no past due amount. 
While still in forbearance, we paid the approximately {$15000.00} outstanding amount and then requested that the forbearance be removed from our account. Despite all of these measures Citizens reported us delinquent and XXXX past due amounts now show on record with all 3 credit agencies. 
Citizens has provided us with a poorly worded letter acknowledging their mistake but with vague and incomplete timelines that risk further confusion and delayed resolution. And, the burden is on us to correct via dispute with each of the agencies. 
Citizens made this mistake. Citizens should directly reach the credit agencies to fix it and definitively tell them that we were never delinquent on our account. 
My credit score dropped from XXXX because of their error. As a small business owner during a pandemic this risks the financial security of my family and my employees. I am requesting that Citizens do everything possible to fix this mistake as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage is illegally delaying and taking excessive time in reviewing and making a decision for my loan modification application. Freedom Mortgage excessive delays, often causing my application documents to expire, which then they would close the application due to expired documents. To date, no decision has been made on my loan modification since first applying in early XXXX. 

I spoke with a loan modification representative at Freedom Mortgage on XX/XX/XXXX and was advised that I was missing an explanation on transfers from account ending in XXXX. I have made numerous fruitless attempts, to explain the {$16.00} DEBITS ( from account ending in XXXX ). On XX/XX/XXXX, l gathered and emailed 61 pages to Freedom Mortgage loss mitigation department. Freedom Mortgage  acknowledged receipt of all pages on XX/XX/XXXX. It is my understanding from Freedom Mortgage that the purpose of the bank statements is to verify my income was received ( bank statements included in the 61 pages emailed ) and verify all income ( all deposits were explained with letters in 61 pages sent on XX/XX/XXXX ). My loan modification application ( as of XX/XX/XXXX ) is pending closure per Freedom Mortgage because of failure to explain the transfers from account in XXXX. 

Because of the delay in my loan modification application review which, violates mortgage servicing rules I was deprived of the ability to make an informed choice about how to save my home, which caused me to file for bankruptcy.

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 2019-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX  & Transunion are reporting accounts that I have no knowledge of.

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 2019-01-26
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used paypal credit to send XXXX dollars to my wife on XX/XX/2019 using the option to send money for goods it sent the money but would hold it for 22 days. It doesn't tell you it holds the money until after you transfer it. So I sent her another XXXX using send to friends option since this was supposed to be faster. She needed the money soon. This charged me a fee and sent her the money. She then paid a fee option also to have it deposited right away of 1. % or she could pay no fee and wait 2-3 business days. It took the fee from the money but 7 days later and the money was still not transferred. She issued a refund on the site to me on the XX/XX/XXXX. The refund was never processed. She also called and was told her refund was processed and it never happened. I called today on XX/XX/2019 and the refund was still not processed and never showed she issued a refund even though she did it and called a rep to verify it. Paypal put me on hold for 50 minutes today XX/XX/2019 told me to request my XXXX dollars back from her and I would not get the fees reimbursed and she wouldn't either. Then hung up op on me. I call back and wait 22minutes but they can't do anything on level one because of their system they don't have any control over it like it became self aware and they no longer have control over it. My only option was to get transferred again to hold abyss for 50 minutes where an unfriendly non-English speaking rep would have me re-explain the whole situation again. I owe PayPal XXXX dollars minus fees for money they never transferred to the recipient. And to get it back I need to request the money from the recipient and have them also pay fees to send it. 

TLDR : Paypal charged me XXXX plus interest fees and the recipient fees to transfer XXXX dollars they never transferred. Now they want to keep those fees and have me request the XXXX dollars back from the recipient having them pay fees for money they never transferred to the recipient 's bank account.

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 2019-01-26
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial opened a collections account for XXXX on XX/XX/2018 Firstly the date is in wrong and doesn't correspond to any time I went to the hospital. Second all of my hospital bills were paid by me directly at the time service was rendered and all other charges are between the hospital and the insurance company. You shouldn't be able to decide months MONTHS! later that someone owes you another XXXX and then send that amount to a shady collection agency that then waits months and puts buts a bogus collection on my credit report for a XXXX  charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: DISCOVER BANK
State: SD
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:
Discover Card has been harassing me as well as illegally reporting an " Alleged '' credit card in my name with a past due balance. I have taken all steps including filing an ID Theft Report as well as the CFPB. This has been going on since XX/XX/2018 with them continuing to report this credit card on my XXXX  credit report under my name and social security number. They have received direction from the South Dakota Attorney General 's Office stating this is an ID Theft incident and are refusing to comply with the Attorney General 's Office directive. They can not provide any contract bearing my signature, they are not licensed to operate in South Dakota and refuse to follow South Dakota Law or Fair Debt Collection Practices Act, and Fair Credit Reporting Act for the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Consumer Real Estate Finance Co.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello my name is XXXX XXXX XXXX XXXX. We were told we got a pre approval to purchase a home through Consumer Real Estate Finance Company ( CREFCO ). We had some concerns regarding a previous property that was included in a chapter XXXX bankruptcy and foreclosed upon. We wanted to make sure that this was not going to be an issue before we put an offer in on a home. We received an email back from XXXX XXXX a loan officer with CREFCO on Tuesday XX/XX/XXXX the read " Because the home that went through foreclosure was included in bankruptcy. we should not have any issues through underwriting ... '' After puttiing an offer in on a home and investing {$500.00} earnest money down, paying for a home inspection at the cost of {$300.00}, and FHA inspection at the cost of {$540.00}. and a re-inspection of {$170.00} for a total of {$1500.00} we are told that we can not get a clear to close because the foreclosure date that the title was transferred out of my name was XX/XX/XXXX. As this company claims to be FHA financing experts they should have known when asked before I invested any money that there would be issues. We asked and counted on their professional opinion that has now cost me XXXX and we can not get the home because of the exact issue we asked about up front. They should be held responsible for negligence and ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26
Company: PCS Receivables Corp.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my identity was stolen and I have debt collectors calling me & harassing me. I tried explaining I don't know the Company but they think I'm lying which upsets me

Company response to consumer: Untimely response
Consumer complaint received 2019-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called and talk to an representative for Transunion about credit about inquiries that were unknown to me. The inquiries are as followed, 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX  3.XXXX  XXXX XXXX XXXX  Each one has multiple inquiries I hope this can be corrected and there are more to be 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 2021-08-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I reported my identity compromised and debit cards stolen on XX/XX/2021 to my bank Fifth Third National Bank. The cards were not canceled and an identity thief was able to conduct transactions on 4 different accounts using ALL 3 debit cards, making fraudulent and stolen check deposits and withdrawals at a banking center, transfers at a teller level, gained access to online banking and PIN number up until XX/XX/2021 even after NUMEROUS calls to disputes, bank protection, branch locations, and various supervisors. Several investigations have been done, without my oversight ( as bank protection has decided to close my accounts ), leaving me with no online access and XXXX frozen accounts. Due to the bank, and Vice President XXXX XXXX of the XXXX XXXX Fifth Third Branchs breaches of duties to protect my accounts, XXXX  whom I asked personally to lock my accounts and he chose not to on XXXX XXXX resulting in MORE fraudulent transactions occurring at his branch, I am unable to withdraw any funds from wither checking account due to a negative balance in my savings. The investigation has stated my transactions were fraudulent and this imposters were legitimate, and was told there is NOTHING i can do. I have been served eviction paperwork in the 30+ days I have NOT had access to my funds. I SHOULD NOT BE LIABLE FOR THE BANKS FAILURES TO LOCK DOWN MY ACCOUNTS AFTER REPORTING TO THEM THE ISSUES!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The problem is that no one has paid attention into how to resolve this issue. By calling the water dept ( XXXX ) provide acct # XXXX and asked about the $ XXXX payment that was paid to this acct and was returned because no bill was ever accumulated in such large amount. Therefore the funds was returned to the bank. I have outlined in my first complaint letter dated XXXX XXXX how my taxes were paid during the time frame of this matter. I would appreciate not only a phone call, but by postal mail. If they choose to call, leave a message. How would I know if they are trying to reach me. Have some common sense PLEASE. Nothing is owed these people. Before the complaint was sent to XXXX, I had not a clue where these funds went til now. If they did not receive it back, then they should back track that check number that was unveiled by the XXXX XXXX XXXX XXXX. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: NORTHERN OHIO INVESTMENT COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm paying a debt with XXXX XXXX. I have all the receipts but the collector affirms I'm not paying it even I have the receipts. He calls me every single day saying he's going to sue me and report me to credit bureau. And every day he send me 2 letters in my mailbox YOU WILL BE REPORTED TO CREDIT BUREAU, WE ARE GOING TO TAKE LEGAL ACTION. If I'm making the payments why this person is saying I'm not? Why he's threatening me? So as of today I stop paying because he's allegations are I'm not making the payments so, is like I'm wasting money. He algo sent a letter that says the balance of the debt is going to raise to the original amount no matter how much I did payed in the past. He's harassing me and my wife for the Las 11 days. Non stop calls and letters every single day. He's harassing my wife, a person who has XXXX  problems and XXXX XXXX. This isn't the way to treat no one and this have to stop. And to not forget to mention, this person calls and screams at me on the phone and use bad language against me and my wife.I will provide here the name of the collector and the agency. 
Collector : XXXX XXXX Phone number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-16
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
2015. I didnt physically sign any documents with this company to grant me credit

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 2021-12-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted an application for pre approval on a line of credit through XXXX XXXX with XXXX XXXX bank. This was not supposed to be reported on my credit report if I was not approved for the credit. As soon as I submitted the application, I was disqualified and a hard inquiry was reported. It negatively impacted my credit and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A year ago a XXXX XXXX XXXX XXXX XXXX contacted me claiming I owe a debt that I know for fact never happened. They claim I had a XXXX account years ago. I never made any large transactions using XXXX. I disputed this claim and reported it as fraud. They said they would delete it from their system. 

I contacted XXXX and they said that I never had an account and show no records or any transaction. They believe that someone stole my identity or this was a scam. 

On or about XX/XX/22 another company FBCS , Inc contacted me about the same debt owed. The original company XXXX XXXX lied to me and did not delete the debt, instead the soled my information to another company XXXX. I contacted them and gave them the same information. Neither company will provide me with any details as evidence or documentation to this fraudulent transaction. Both companies REFUSE to provide any evidence or documentation. Both companies continue to lie, and harrassment. Again I asked to dispute this debt and mark as fraud. 

On further investigation I have found out that XXXX doesn't even have account numbers as provided by these companies and as such the account number provided by FBCS Inc is fictitious. Both companies are financial fraudsters using made up debts and account numbers. They are scammers. Also after investigation FBCS and associated reviews and reports online I find out that they have numerous complaints with others doing the same scam scheme. 

I want this abusive fraudulent behavior and contact to stop immediately and for these companies to be held liable for this conduct. Both companies should be investigated. I will seek legal action against both companies if this does not stop immediately. If they sell my personal information again to any other company legal action will be taken. The original personal information was not provided by me and I question how they obtained my information in the first place. Possible identity theft used to scam. If they report this debt to the XXXX XXXX I will seek legal actions and sue for damages, unfair practices, harrassment, etc.

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