BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally applied to refinance my mortgage with Flagstar Bank on or about XX/XX/XXXX. The original loan estimate was for a {$640000.00} mortgage at 3.125 % with XXXX points. I have responded to every request for documents, usually within an hour or two of the request. My credit is very good ( XXXX  score around 750 ) and we got a good appraisal of {$850000.00} dated XX/XX/XXXX. On that date the only thing we were waiting on was the appraisal, and when that was delivered I thought the closing was imminent. Because of delays and apparent understaffing, mismanagement or incompetence at Flagstar Bank, however, no closing occurred and that original mortgage morphed into a {$640000.00} mortgage at 3.25 % with XXXX points, and now they are offering a jumbo mortgage of {$680000.00} at 4 %. I have been very diligent in communicating with them, and usually I must wait a week until I hear back from them, if ever. I have left numerous phone calls that have not been answered. I believe I have missed the best opportunity to refinance my mortgage and get in a better position financially because of Flagstar Bank 's incompetence, mismanagement or incompetence. Their online tracking tool originally showed a closing date of XX/XX/XXXX, then XX/XX/XXXX, and now here I am a week later and there is still no closing in sight. I am hereby requesting your assistance to get my mortgage refinance completed at something approaching the original terms.

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 2021-04-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN
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 have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. XXXX is the only bureau that will not remove these collections from my credit report. XXXX XXXX and Fair collection & outsourcing have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my XXXX credit report.XXXX and XXXX has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through XXXX, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the XXXX  account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong 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 2022-07-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am being denied all my payments that should count toward PSLF. 

I have been teaching for 25 years at a low income school which would qualify me for public service loan forgiveness which Biden just opened up more options to qualify where before I couldn't. I have been making payments for years, enough to count for XXXX payments. I had a bankruptcy in XXXX. I wanted to start a PSLF and they told me that I needed to consolidate my loans XXXX ( I had no choice ) and change my payment, which I did. I have never been in default on my loan and have done all that they have asked, through all servicers. Now Biden 's PSLF is qualifying everyone going back to XXXX, which would lend itself to my situation. I submitted application for and they told me that I couldn't qualify for PSLF because I consolidated my loans in XXXX ( for PSLF upon their direction ) This doesn't seem to make sense. And I am going to be penalized for their direction in the process and doing what I was told to do. I currently owe about XXXX, I have had XXXX qualifying payments ( that I can show ) and have worked at low income schools since XXXX ( all the criteria needed for PSLF ). When I try to reach out to student loans it is a hopeless action, there is no one to respond or answer calls, emails... To make matters worse, the process of PSLF keeps saying to wait as credits continue to change. I've waited months and months and mine haven't changed but I only got the letter that say it won't go back prior to XXXX. The deadline is XX/XX/XXXX for Biden 's program. I need an advocate because I am getting the run around and am running quickly out of time. Meantime my peers with similar situations are getting their debt wiped out. I am a single mom and this is not a little deal and would completely change my life circumstance. I am not asking for special treatment but for the same treatment that others are receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: MD
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 was victim of identity theft and there are unauthorized hard inquiries on my XXXX Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was victim of identity theft and there are unauthorized hard inquiry on my Experian Credit Report : XXXX XXXX XXXX XXXX XXXX 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 2022-02-25
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We terminated an employee in XX/XX/2021 who was an XXXX on the TD Bank account on the ETreasury side. We worked with our local branch to have everything set up correctly and to remove that person from our account, however, they only corrected XXXX of XXXX sides. We've been reaching out to TD for several months to correct this issue on the ETreasury side. No response. Every time we contact the call center, they inform us we must speak to the treasury supervisor XXXX XXXX who has not returned our calls. We've been given other names that we can't even leave a message for, but never answer the phone. The XXXX still shows the person terminated in XX/XX/2021 and we can not add our new employees. 

XXXX XXXX XXXX University XXXX, SC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Convergent Account US DEPT ED # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good afternoon, This is in regard to my original complaint # XXXX. The refenced complaint # was filed on XX/XX/2021 @ approximately XXXX. In addition to this complaint, I have emailed XXXX, XXXX XXXX XXXX XXXX, XXXX now XXXX times. On XX/XX/2021 I mailed a letter to you that included copies on emails sent, and ive since sent more. XXXX, XXXX XXXX XXXX XXXX, XXXX, have ignored all attempts to contact & the situation is still not rectified. 
Capital One verified this debt was not mine. They have now garnished my taxes, how can they garnish when attempt to payment was made? I never missed payments on this account even though it is not mine. Payments stopped due to XXXX, not due to me. They can NOT PROVIDE PROOF they tried to contact me to reopen this account for payments. After receiving the letter about possible garnishment I, as mentioned above, have contacted then now XXXX times to try to discuss this matter. I am more than baffled that the credit bureaus have deleted this account because they did not have the supporting documentation, as this account is not mine. Yet, I am still receiving letters in regards to this and am now being garnished when they fail to communicate. Garnishment was not necessary. This issue needs to be resolved and communication back in response to my emails and phone calls needs to take place. I am not someone who does not pay on accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I strongly believe rules need to be adopted whereby an invoice, bill or letter to collect a debt should be clearly indicated as such. For instance, if the law mandated that these documents, and only these documents, could be sent in a blue envelope ( thus no more blue envelopes sold in stores ) and that it had to clearly state on the front that it was an attempt to collect a debt, that would eliminate many consumers from inadvertently throwing away bills they were not expecting. 

I 'm writing you primarily because I get several pieces of mail a week that look like bills, yet when I open them they are some sort of solicitation ( sales ) mailing. For instance, today I got something in the mail from my mortgage company that looked like a bill. It said " second and final notice '' and " important information '' ... things that would lead an average consumer to think its a bill. Instead it was a sales mailing to buy mortgage insurance if I lost my job or could n't work. These types of mailings are common and result in people like me throwing away legitimate bills by accident because we get so much junk mail that is styled like a bill. 

Also, you need to do something about the credit rating agencies ( personal rating agencies XXXX. Paying off a mortgage should benefit your score. If an account in collection is paid in full ( perhaps the consumer must make the original vendor whole ), then it should come off your credit report easily. The credit rating system is broken ... I 'm almost XXXX years old, never had I ever not paid something I owed, paid XXXX things late maybe 60 days at worst, and yet my score is barely over XXXX. How is it that mortgage companies have such a different credit score than what the public sites show us? Seems to me like they should be the same. Since credit is our main source to buy things XXXX for most ) and your score only makes your purchases more expensive XXXX APR XXXX, it should hold true that your same concerns about payday loans should be applicable here. Those with lower scores get the worst rates, ultimately paying more which keeps them in financial difficulty. Right now, credit scores do n't accurately reflect a buyer 's ability to pay a debt ... it mainly represents who does n't throw away their mail and is diligent at managing their bills ( regardless of their actual spending / buying power ). What happened to the days where it was simply your debt to income ratio? That makes a lot more sense and you can use a person 's tax returns to figure income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Union Bank continues with Fraud, false Banking Statements, False Alerts and has made contact with Store Merchants along with XXXX and XXXX. Union Bank of XXXX and XXXX XXXX have Violated my Privacy Bank Rights and by giving merchants my " Savings Account Number ''. After making On-Line Payments Union Bank Web-Developers and Programmers made contact to send back payments, by using my " Saving Account number. History will show continued Fraud by Union Bank employees. On-Line payments were made only using my checking account, Debit Bank Card, then Union Bank employees would make contact via phone and instructing them that the account was over drawn then having the merchant re-send the payment back using my Savings account on XXXX different transmissions. Union Bank on-line statements will show and prove that at that time, the Checking Account had sufficient amount to cover all transactions. Union Bank Programmers have committed criminal activity by posting Fraud overdraft charges on XXXX different transactions then " Blocking on-line access. Union bank has made Refunds on XXXX different complaints, the calling merchants a second and third time to send back on-line payments, evidence of statements will prove that Union Bank Programmers have violated wire transfer laws, posted false statements, then refunded on XXXX different transactions. No Savings Debit card was ever issued, only Checking account. Union Bank employees continued this criminal activity for the month of XXXX XXXX and XXXX XXXX. A positive balance was maintained with a positive amount of over {$660.00} during this time. Union Bank is located only in XXXX, and since I relocated to the State of XXXX this criminal activity started, knowing the nearest Union Bank is over XXXX XXXX miles away. XXXX Documents of Bank Statements and on-line printed statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I paid 6 trial payments. The 5th and 6th payments were not applied to principle but 1-4 were. They filed a notice of trustees sale around the 5th payment. I currently have an open court case in the XXXX XXXX Superior court : XXXX. It appears to be a clear violation of the Homeowner 's bill of rights. The lawyer fees I have had to pay are expensive and I feel there may be many other people being treated the same way by Ocwen Loan Servicing who could not afford the legal support I am getting. I am asking that you open an investigation into Ocwen Loan Servicing , LLC and what they are doing or should be doing to comply with CA 's homeowner bill of rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX ( Original Creditor : XXXX XXXX ) # 1420 ****, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a request to block fraudulent information from my credit report on XX/XX/2022 along with a FTC report advising my identity was stolen and used to open accounts that I did not authorized. This company failed to block this information even though the proper documentation was provided. I am being told this information has been verified without a proper investigation being completed. These companies that they say I owe does not have my signature on any documentation, and I have not been provided with any any proof of such. My consumer rights have been violated and I am unable to apply for certain credit accounts for myself due to this issue.

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 2020-06-22
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE A XXXX XXXX CREDIT CARD, STATEMENT CLOSING DATE XXXX EACH MONTH. I TRYING TO BUY A CAR TRU XXXX XXXX XXXX XXXX  AND NEED THE CREDIT REPORTS TO BE UPDATED TODAY, FOR I JUST PAID OFF AND XXXX BALANCE. THIS WILL ENSURE HIGHER SCORING.

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 2022-02-25
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These disputed items wasn't removed from my credit record within 30days of the investigation period

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In response to complaint number XXXX XXXX XXXX XXXX has taken longer than 30 days to investigate this dispute. The dispute was sent XX/XX/2022 and XXXX XXXX XXXX has been in response since XX/XX/2022. I have given them too much time to respond as it has been well over 30 days with no response. Under the rules of the FCRA this account should be deleted from my consumer report since the investigation was not completed in 30 days. I have attached a screen shot as evidence and proof of the date of dispute and lack of response for your reference.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account US DEPT ED # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Pretty simple, really. Just like many, many others, when visiting annualcreditreport.com and requesting all XXXX credit reports, I received only XXXX ( XXXX ), and the others ( XXXX and XXXX ) both reported " errors. '' How can we trust these agencies with our financial information if they ca n't even follow the law and provide annual free credit reports without having to resort to mailing documents and such. They clearly are intentionally mishandling the requests for free reports, and make it difficult to obtain them - unless of course you want to pay for it. 

It 's despicable. Sad, really. Pathetic, even.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX. My mother is XXXX years old. I have been handling her finances for the last 6 years, since she almost died from XXXX XXXX. Her mortgage company has been scamming her for years. OCWEN. I have filed numerous complaints to them and NOW you can not even reach an agent at all. They now are ONLY as debt collector. I supplement my mothers income monthly since she has limited income. Her mortgage was ( approx ) $ XXXX then escalated to $ XXXX then i was able to get them them ( at that time it was XXXX ) back to $ XXXX. This last year I applied for her for the HAMP program. Well now they are demanding over $ XXXX as well have been sending DELINQUENT NOTICES yet I have been PAYING HER MORTGAGE every single month? Where is that money going to??? 
HER ADDRESS XXXX XXXX XXXX CA XXXX XXXX am her daughter XXXX XXXX am authorized on her behalf for all her financials

Company response to consumer: Closed with explanation