BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-29
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Flagstar Bank XXXX Corporate XXXX, MI XXXX Ref : Loan XXXX I am writing this letter to advise you of the difficulty of making my original mortgage payment every month, I originally bought the house back on XXXX 2001 with a very steady job and my mortgage payment history have been very good over this year 's even when my prior job lay me off and I was still able to pay on time. Unfortunately my circumstances right now have been changed because of my illness and my XXXX for long term of my life. 
Now I 'm trying to readjust this financial transition because the income from my long XXXX will not be at the same the half of what was my income, but I really want to keep my home. For me and my disable old mother. 
FYI. Regarding my case as I 'm XXXX person. If I 'm able to modify my loan with the bank and I will be folly charge of my taxes with town and with the school taxes. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXXXXXX FyI i keep trying to modified my loan many time and they keep denied me..all the time and they denied me again after my brother offer to help me and my mother with contraption monthly payment. i have the bloomberg report and we found fraud of my loan. i need help with the district attorney to file case against my FlagStar Bank. because i do not have extra money to cover the legal attorney fee.Thanks. for your cooperation.

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 2022-04-15
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was sold to this company last year. I applied for a modification in XX/XX/2021 and sent in all requested documents. I have not been hearing back from the company. Every time I call I am told I will get a call back and there is no follow-up. In the meantime, the unpaid forebrearnace balance has been growing. I called them today and insisted on a call back and the person told me I didn't qualify for a loan mod because I didn't send in the requested documents, which is not true. I have the email that I sent to them. They said they sent me a notice of missing documents, which is also not true. Then the man kept pushing on me another program because I failed to qualify for loan mod and said if I didn't accept today they would send my file to loss mitigation. They declined to defer the loan balance, which is what I requested in my application. They are going to recapitalize the loan which makes my payments balloon. If I couldn't pay my mortgage before how will I manage an even higher payment now? They're giving me no reasonable options to save my house and giving me information in a rushed phone call and expect me to accept their terms, immediately. I'm not ebbed sure what the man was trying to explain to me. In the meantime, the deferred/owed balance is continuing to grow. I did send all the documents required in XXXX, they're trying to scam me and trap me into a higher payment which I can not afford so I will end up losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
After closing my Citi Forward Credit Card, the Thank You Reward account associated with it was deactivated after 60 days and all the accumulated reward points were expired. I was never been verbally told or received any document in written about this fact. I contacted Citi customer service. The representative said there is nothing Citi can do about those points although they did n't do the obligation to notify me the policy.

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 2017-03-01
Company: CITIBANK, N.A.
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Refer to my correspondence with Citi Bank regarding my credit card XXXX In short I was contacted by Citi bank and they have offered mediclaim policy of XXXX, in XXXX and policy was issued and premium was debited in my credit card and it was paid by me. After that in XXXX before expiring that policy I have sent the mail to Citibank for not issuing the fresh policy or renew the mediclaim policy. 
Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied. 
Now one month back I have come to know that Citibank has reported me defaulter and updated in XXXX so now my request is this kindly go through the attach file ( all mails sent to Citibank ) and resolve this and arrange to remove my and my wife name from 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 2022-06-05
Company: Experian Information Solutions Inc.
State: WI
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:
This complaint is regarding an account i have on my credit report from XXXX XXXX XXXX that has a negative impact on my credit report. I sent my first letter to Experian on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Experian is unable to provide a copy of verifiable proof. 
On XX/XX/XXXX I sent my second written request to Experian asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account. 
On XX/XX/XXXX of XXXX I sent my third written request to Experian because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Experian did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Experian because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. 
They have received all my letters, I have not received a response through mail although I have requested it and the account is still on my credit report. 
This has impacted my life in such a negative way, and the stress that has put on my life is overwhelming.

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 2015-04-06
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
In XXXX I applied for a loan with XXXX XXXX, this loan closed on XX/XX/XXXX. In XXXX I received notice that the loan had been sold to Citibank, I received XXXX letters as required. Last week a call came into my office, I am the office manager, from Citibank to verify my employment. I have not signed a release for Citibank to make such inquiry, I did not apply for a loan with them they purchased the loan. I advised XXXX XXXX from Citibank that they did not have my permission to make inquires regarding myself and that I would file a complaint with the appropriate departments. I did inform my employer of this and emphatically stated that I did not give permission for my personal information to be released to Citibank. Today XX/XX/XXXX forms arrived at the office asking for information regarding myself. As a rule it would be something I would handle, I did forward a copy of the documents to my employer. I would like to stress that I am not behind in my loan payments they are made on time each month. This is an invasion of my privacy and I feel violated and therefore want to file a formal complaint against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Helvey & Associates inc XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
M y line of credit that I had with Citibank ( Best Buy ) was suddenly closed due to a soft credit pull initiated by Citibank, In the soft pull inquiry according to the account closure letter I requested listed below is what the cause was for the account   closure.   N umber of accounts with delinquency Length of time credit history has been established Balance on your account with us Balance on your account *The problem with this unfair account closure is that all of the accounts that are listed delinquent on my credit file are from Identity Theft and is in the process of being disputed with the various companies and credit bureaus. I have reported myself being a victim of ID theft to every agency possible to try to clear my name way bef  ore this closure occurred. I have called Citi Bank on numerous occasions about this issue but I get told the same thing, they can not reopen an account once it 's closed and the ID theft had no bearing basically. Also the closure of this account has had dire affects on my credit score causing another one of my major credit cards to close my account it has became like a domino effect, I think it is so unfair  and unjust for me to be put in such a financial ruin because of being a unfortunate victim of Identity theft.

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 2022-06-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it may be a concern : I had a loan with XXXX  for around 1 year on address XXXX XXXX XXXX, XXXX CA XXXX. I have setup Autopay from my Saving Account and I have been paying my loan via autopay with no issue. Refer to my document attached for # 1. 

My XXXX  score has been over XXXX for many years until my loan was sold to XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. I have received letters that XXXX has bought out my loan. Refer to my document attached for # 2.1, # 2.2, # 2.3. The letter clearly say the notice requires no action on my part, assuming the autopay will continue. 

Until I found out my XXXX score dropped in XX/XX/XXXX from my XXXX  XXXX XXXX report and found it the autopay was not working. I have immediately pay off all my outstanding payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I found XXXX XXXX XXXX has not reached out to me for this issue and resolve. 

I filed a credit review to XXXX and not able to resolve this. Please refer XXXX 's response on # 3.1, # 3.2. and # 3.3 for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Citibank frequently offers special promotions for depositing " new to bank '' funds to new or existing accounts, holding a specified amount of the funds for a specified duration of time, then the bonus described in a promotion is to be deposited into the account. Year after year, I participate in these promotions, I always fulfill the terms of the advertised promotion, yet consistently the bonus is NOT deposited into the account automatically upon the completion of the promotional terms. I have screen images, photos and correspondence regarding this issue going back several years. I always end up getting the promised bonus after I invoke an internal investigation with the Citibank Customer Service back office. I learned after speaking with customer service and president 's office representative that Citibank does not have a system in place to automatically deposit bonuses if customers do not initiate a complaint. Supposedly these conversation with customer service are recorded, please request copies of my conversations over the years with Citibank regarding this issue. I can provide you with my written complaints to Citibank office of the President in an attempt to bring this issue to light. Nothing has been done to correct this issue and again in XXXX of this year, I had to initiate another investigation with XXXX to get my bonus, which I was assured by her I would receive automatically before the last day of XXXX - I did not, so yet again, like many times before, the bonus was deposited only after I initiated a complain in XXXX. I just made another " new to bank '' deposit in XXXX, and yet again, have XXXX faith that Citibank has a system in place to give me my bonus on or before XXXX XXXX, 2017 after I meet my part of the obligation and hold $ XXXX for 90 calendar days. I anticipated that I will initiate an investigation on XXXX XXXX, 2017 and receive the bonus two business days later -- - what about so many other customers who do not file an investigation complaint? The bank just keeps their customer 's money for themselves. 
Please investigate this blatant withholding of funds and bait and switch on behalf of the Citibank customers. Please contact me so I can provide you with further documentation.

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 2015-11-10
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Regarding PayPal account holders. If you see a " hard inquiry '' showing on your credit report score by XXXX/PPC, it is PayPal. I was automatically applied for PayPal credit without consent.I never even considered applying nor did I see anything in writing warning me I was signing up. I have used PayPal ONLY to make purchases, when and ONLY when, I have the correct funds in my banking institution. Because of this " hard inquiry '' by PayPal, my credit score has dropped significantly which really makes me furious as I have worked very hard to be debt free and credit worthy. I will never use PayPal again and will use every opportunity to inform other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Paypal Holdings, Inc
State: MO
Product: Credit card
Issue: Other fee

Complaint:
This is a Paypal Credit issue. 
I have a different balance from XXXX XXXX to XXXX XXXX. 
I have NOT used Paypal credit since XXXX XXXX, 2015. 
I have NOT used Paypal Credit for four business days, yet the overall balance changes from XXXX XXXX to XXXX XXXX, 2015. 

I called Paypal at XXXX and XXXX. 
The responses did not address the balance change. 
It has to be some Hidden Fee. 

Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Pay Pal put a TRICK credit card authorization in the middle a routine ebay transaction and opened a credit card account that I did n't want or even know I approved. They wo n't close it or take it off my Pay Pal Account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-03
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On all XXXX Credit Reporting BureausI am asking that th dated XXXX/XXXX/XXXX, There is a collection report with no account number or verification of what this collection is for. The Original creditor was reported by XXXX XXXX XXXX XXXX XXXX XXXX. When I tried to research this company, it only gave me air conditioner companies in the XXXX area. There is no such phone numbers or address I could find. It also gave the collection agency as IC System in XXXX XXXX, MN. It shows as open on XXXX/XXXX/XXXX and {$93.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our story began around XXXX of 2012 when my husband was out of work and my sister passed away.We used our funds to go see her before she passed.At this time we got behind a couple of months and there was XXXX other month we got behind so total 3 months. We went through a modification and for after a very long process of emailing, faxing and mailing the same papers over and over again.We paid our payments for a year and then finally they said they were going to send a paper for us to sign.We got the paper it was a subordination agreement.We called and asked who was suppose to sign it they said the court house, then we went there they told us no it was n't them.So over and over again for about a month we called Flagstar and they said different things each time.We were all over XXXX XXXX trying to get this paper signed.In the meantime we received no letter telling us a time frame and then XXXX day when I called to make a payment they refused it.This was not the first time they had refused they had also mailed back our payment originally when we first got behind.We have since been to court three times and payed alot of money to mail and fax the same papers over and over again and nobody there knows what there doing.We have had to apply now yet again for modification because of the paper they said we had to have signed that nobody could say who needed to sign has now forced us in to foreclosure.It has been emotional and stressful we just want an answer and we want people to never get a mortgage with Flagstar Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Spring Oaks Capital, LLC
State: NY
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 have requested numerous times from Spring Oaks capital -A SIGNED CONTRACT SIGNATURE PAGE FROM THEM -PROOF OF SALE OR BILL OF SALE THAT THEY PURCHASED THIS DEBT CFPB closed complaint XXXX previously upon their response that they have or had sent any of this. Their statement is a bold faced lie. They have not provided a contract or signature page of the contract in line with the fair credit reporting act, they also can not and have not provided proof that they purchased this debt which is too old to be on any of my credit reports. They only sent a list of the previous companies statement. they are not XXXX XXXX and if they were they would understand this debt is too old to be on my report and they would also be able to provide debt validation such as A SIGNED CONTRACT SIGNATURE page- which they DO NOT HAVE and a proof of debt purchase. if they can not provide both of those items per the fair credit reporting act they MUST remove from my credit report. Their reply to complaint # XXXX before it was closed is a bold lie. Please ask them to provide both. THEY CAN NOT. I do not believe this debt was purchased at all. I believe they pulled public records and do not have the right to collect this debt. Per the FAIR CREDIT REPORTING ACT THERY NEED TO PROVIDE XXXX ) A SIGNED CONTRACT PAGE WITH DATE AND MY SIGNATURE and XXXX ) PROOF OF A BILL OF SALE OR A SIGNED SALE CONTRACT FOR THIS DEBT.

Company response to consumer: Closed with explanation