BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: Flagstar Bank, N.A.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got an auto loan through Flagstar Bank in Michigan. The vehicle was automatically registered in Michigan after I bought the car in Wisconsin, and it has a Michigan license plate. 

I have since moved to XXXX, and Flagstar Bank is preventing me from registering my vehicle. They lost the title to the vehicle, and when I contacted them they said that I was supposed to have it, and that there was nothing they could do for me. Effectively they told me I would not be able to register the car, since they are supposed to keep the title but refused to take responsibility of having the title. 

I contacted the XXXX XXXX  and they informed that indeed the lender, Flagstar Bank, is supposed to keep the title, and I will not be able to get XXXX myself. I had the XXXX  XXXX send Flagstar Bank a newly issued title and paid the fee for that. The XXXX XXXX says they sent the title to Flagstar Bank on XX/XX/XXXX. It is now XX/XX/XXXX, and I called XXXX to ask them to fax the title to the XXXX  XXXX ask I could register the car. XXXX says they dont have the title, even though the XXXX confirmed it was sent to them a month ago. They refuse to take any responsibility in the matter, they keep saying Im supposed to have the title even though that is legally impossible.

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 2022-10-20
Company: Credit Karma, LLC
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: Account information incorrect

Complaint:
I checked my credit karma and it claimed my credit score went down XXXX points when I dont have any debt or any credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This account was a fraudulent account on my credit it was not a authorized purchase my identity was stolen and use to purchase this is reporting improperly on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The following credit card company reported a late payment on my account when in fact they were paid on time XXXX reported non payment after I paid the account out Sears change card company name, so did XXXX XXXX when the changed the payment went to the old company and the reported a late payment when they had the payments ; The company failed to put in place a process for the payments to go into the new account, nor did they check and placed the payment in XXXX the correct account apparently they just kept the money without applying it to the correct account ; Instead reported me late to the credit reporting companies, I have made request to correct the error to know availed, I submitted proof of payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Credit Acceptance has violated my federally protected rights under the FDCPA. They sent another 3rd party debt collector to repossess my car even though the application at the dealership was a completely binding contract that Credit Acceptance wasnt included in. Credit Acceptance agents/employees used deceptive means to say I owed an alleged debt violating 15 U.S.C 1692e specifically. They are also using my consumer report with Extortionate means violating 18 U.S.C. 894 to coerce and swindle me into paying an alleged debt on an extension of credit and assume criminally liable and be fined up to 20 years in jail.

Credit Acceptance violated the false claims Act by stating I owe them when my SSN belongs to the SSA ( Social Security Administration ) which is a Obligation of the United States. You are now on Notice to Cease and desist Communications from me from all mediums INCLUDING my consumer report. Failure to Comply will result in Legal Matters For Damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PayPal has sent collection of {$92.00} to a partner debt collector who sent me a letter saying I owed this amount to PayPal. I dont use PayPal XXXX ever. I tried calling them and they do have an account attached to my name/phone number. Attempts to try to get an agent on the phone I was told my account is flagged and that I need to speak directly to their partner debt collector ( XXXX XXXX XXXX, and was automatically routed to that company. I hung up believing this is some kind of scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Citi is in engaging in bait and switch of bill statements. We are constantly having to request a paper bill when we have never as to paperless. In between billing statements they are sending paperless billing to our email. We have never asked for paperless. What happen is on the months they are bait and switching to paperless leading us to believe we are maintaining payment that are not 30 days delinquent. We have lost XXXX % of our income and have still continued to make payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was contacted by American Education Services. They say I cosigned a loan but they cant give me information because my birthdate doesnt match their records and i would need to send proof of my birthdate. How does a cosigner get approved with an incorrect birthdate. I have never been contacted till now. The applicant said she has received no statements in over a year at the time {$700.00} was paid and the statement said XXXX balance. Now they want to put me as cosigner on the hook for $ XXXX they claimed is owed after sending the applicant a statement with zero balance. 
If there was a $ XXXX balance why wasnt I or the applicant contacted for payment. They asked me to send a copy of official proof of my birthdate before they will release information to me as cosigner. When the credit check was run for cosigner that should have been a red flag that the birthdates didnt match and denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Nelnet, Inc.
State: NY
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 requested for a refund of all my federal student loan payments made since XX/XX/2020 per the CARES act. This refund was initiated and requested late XXXX, and from the customer service, they stated that it would take roughly 3-6 months. This is ridiculous, and I have not heard any sort of confirmation from them. I would like some sort of confirmation that my refund was requested and processed sooner, as it is ridiculous to have to wait 6  months for my refund to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Back in XXXX of 2015 I opened a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX miles after meeting outlined criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the points to be deposited into my account by the XX/XX/XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in the XX/XX/XXXX. Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 7 months ago showing the offer. Who keeps junk around that long and why was n't that mentioned before? Now I have {$60.00} of fees and I will not be getting my points. I am still to date asking them for the points and wanting to understand how three people saw that I qualified but am being turned away. It has become apparent that I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thank you & regards, 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 monetary relief
Consumer complaint received 2016-05-21
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX sent me a {$40.00} reimbursement check on XXXX XXXX, 2016. I notified them to mail me a check since Citibank account was closed. Instead XXXX told me that they put it back on Citibank account. Both Citibank and XXXX said they do n't have the money. XXXX said sent to Citibank. They said they never received it. My Citibank account was closed by the Branch Manager on XXXX XXXX, 2016.

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 2021-01-08
Company: Experian Information Solutions Inc.
State: TX
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 have called Experian since XX/XX/XXXX once a day for the past 2 weeks. I need to remove remarks or any type of verbiage on two accounts in my credit report in order for me to be able to refinance my home. Every time I call they say it takes about 24-72 hours to process and for remarks to be removed. Every time I call back to double check that they have removed them, they say it has not been completed. So basically it was never done! I called again to double check since I am paying {$60.00} each time my lender goes in to pull the credit report and its still there. It is now XX/XX/XXXX and once again the remarks are still there and this time I asked to speak to a supervisor ONCE more and was placed on hold for 48 minutes and hung up on. No one ever came to the line. Now I can NOT refinance my home because no one is doing their job at Experian and have paid {$180.00} and wont be getting none it back!

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 2017-04-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On  X/X/17   , I paid for a meal at the restaurant,   XXXX   XXXX  , in the amount of {$790.00} located in the  XXXX   XXXX ,  XXXX   XXXX . I specifically used the   XXXX   XXXX   XXXX    American Express  card to pay for this meal based on its  10X M embership Rewards for restaurant purchases. When I received my statement, I learned that the charge was coded as " lodging '' instead of " restaurant '' and so I did not receive my anticipated bonus Membership Rewards,  10X  the amount of the charge, from  American Express,  but instead just the  1X M embership Rewards.     I called  American Express in  an attempt to amicably resolve the Membership Rewards discrepancy and was prepared to furnish copies of the restaurant receipt to verify that it was a restaurant charge and not a lodging charge. I was informed by  American Express  that they will be unable to correct the discrepancy and therefore I would not receive the bonus Membership Rewards because the restaurant,   XXXX   XXXX  , coded the charge as lodging. I was also told it was my responsibility to verify with the restaurant beforehand that the charge would code properly under the restaurant category on my credit card statement. This prerequisite is not listed under their   XXXX   XXXX   XXXX   Membership Rewards promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Please remove XXXX XXXX from my XXXX Inquiries currently showing on my reporting. I do not know or have any known affiliations with this to the best of my knowledge. I have not known of any entity like this dealing with credit since 2015. A charge off in 2015. The statue of limitations are XXXX. XXXX. 
This looks negatively on my reporting .please remove, as a hard Inquiries. 
Thank you so much for your help! 
Sincerely, 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 2021-01-08
Company: NATIONS DIRECT MORTGAGE, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started this process back in XXXX when the pandemic affected my financial life. I was placed into a forbearance from XXXX through XXXX. Once I was back on my feet with income the lender received a loss mitigation package for a modification review. I was told in XX/XX/XXXX that my file had been moved to the underwriting dept for the final review. A weekly update has been made on my file and escalations after the initial 30 day review turned to 45 and then 60 days. Due to the lender not updating my file, I decided to on XX/XX/XXXX just to resubmit. Documents were requested and received by the lender within 48 hours per request. on XX/XX/XXXX the file was deemed complete we were told by representative XXXX XXXX that the file was pending approval and the documents for the trial agreement were in the process of being drawn up. XX/XX/XXXX additional documents were being requested. The weekly updates on XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX XXXX XXXX XXXX requested information on the timeline for the decision ( no call back ), XXXX with XXXX XXXX # XXXX XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX #, XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX XXXX # XXXX called back XXXX XXXX XXXX # XXXX requested supervisor for a call back XXXX XXXX Supervisor ( no call back ), XXXX with XXXX # XX/XX/XXXX who tried to get a team lead to speak with me and was not able to find one requested team member team lead XX/XX/XXXX There has been no response other than one letter dated on XX/XX/XXXX indicating that an investigation still had yet to be completed on the file, yet it appears not one rep, team lead, or supervisor can state what the investigation is? It feels like a sabotage. Not one rep, team lead or supervisor seems to be able to help. I need to know what the next step is so that I do not lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender, servicer, trustee is violating my homeowner bill of rights and dual tracking my home. 


I applied for Pandemic Forbearance Plan online at www.mrcooper.com on XX/XX/XXXX and was Immediately approved for XXXX XXXX XXXX. 

I have also submitted a Mortgage Assistance Application and as of this writing it is listed as received and deemed complete and is now in underwriting phase. 

I checked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The lender, Servicer and Trustee are dual tracking my home and violating laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: DC
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 requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: SUNTRUST BANKS, INC.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2015 I made an automated payment to Suntrust Mortgage for my XX/XX/XXXX payment. The automated payment was made before XX/XX/XXXX over the phone where I had to enter my account information by touchtone phone. I noticed after a few days that the payment had not been withdrawn from my bank account so I called Suntrust to see if there was any issue. They said they had gotten my automated request for payment and there was NO issue, and that the payment should be withdrawn within just a few days. More days had gone by and it was becoming increasing close to the end of the month and still not withdrawn from my bank account. I called Suntrust again and had gotten the same response, we have noted on your account that you made an automated payment, just give it some time to hit your bank. On XX/XX/XXXX, there was still no withdraw for my XX/XX/XXXX payment so I called Suntrust again. A man told me that yes he sees the automated payment, however, the account number was not entered correctly so the payment was now late. I immediately gave him my information to make my XX/XX/XXXX and XX/XX/XXXX payment and it was withdrawn from my bank account. I asked if there was going to be a hit on my credit for a late payment and he said likely not. On XX/XX/XXXX, there was a late payment noted on my credit report for my XX/XX/XXXX payment with Suntrust mortgage. I called to speak with someone and they said they had no resolution other than apologizing for not informing me of the mishap in the 3 prior times that I had called to ask if there were any issues. I never have been late on my mortgage payment prior to this, or there after. I still have a 30 day late reporting to my credit report after MULTIPLE attempts to rectify the situation immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I called in to Experian ( spoke with a female Rep. name XXXX ) to dispute some incorrect addresses, names, and a SSN that was listed under my personal information and she refused to properly verify my dispute and correct 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 2015-06-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: SN SERVICING CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 I XXXX XXXX XXXX XXXX file for a Modification with SN Servicing Corporation, I was denial because SN stated that the lend holder XXXX XXXX XXXX XXXX XXXX, as XXXX XXXXXXXX XXXX  XXXX. Doesn't do modification. I have has modification before from the previous mortgage company like XXXX XXXX who transfer my mortgage to XXXX XXXX which is still the same servicing as SN Servicing under the holder. I will be providing document of the application and denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
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:
Hi, I need my title to my vehicle I paid off in XXXX of XXXX. Included here is a photo of vin, and of credit report from XXXX XXXX. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation