BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-06
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XXXX I lost my job, the account became delinquent in XXXX of XXXX. In XXXX of XXXX I contacted Flagstar in an attempt to bring the account current. Flagstar instructed me to contact Loss Mitigation, which I did in XXXX of XXXX. At this time I submitted the requested information to XXXX XXXX XXXX as instructed by Loss Mitigation. Flagstar contacted me and informed me that they were no longer working with Loss Mitigation. I believe that this is the point in which the account became entangled with multiple departments. Loss Mitigation instructed me to continue making payments, which I did. In XXXX of XXXX my payment was rejected and foreclosure proceedings were initiated. I continued to contact Flagstar to try and remedy the account. I was now dealing with Flagstar and XXXX, XXXX, XXXX, XXXX and XXXX, LLP as the foreclosure representative. I retained an attorney and neither my attorney nor I were able to get payoff information from Flagstar or XXXX, XXXX, XXXX, XXXX and XXXX, LLP after repeated requests. I finally got a payoff amount and paid the loan and legal fees in full. 

I believe that at the point that Flagstar ceased working with XXXX XXXX XXXX my account became entangled in Flagstar system and therefore foreclosure proceedings began. Was I able to complete the home retention program then the foreclosure would not have been initiated and it would not be on my credit report. My attorney requested a refund for over payments totaling {$20.00}, XXXX and got no response. I repeatedly requested a refund for the over payments and received a partial refund of {$5400.00} on XXXX XXXX, XXXX. I repeatedly requested an accounting of the account and all I ever received was a letter that stated they applied payments to my account. They refunded the {$5400.00} as a " good faith '' effort. 

I am requesting that due to the circumstances described above and that I was working in good faith with Flagstar as instructed that the negative foreclosure information currently on my credit report for Experian, Equifax and TransUnion be removed. I am also requesting that I am refunded the additional {$14000.00} ( {$20000.00} - {$5400.00} ). I would also like to be awarded damages from the settlement announced in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-12-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately XXXX Account # 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 2015-07-18
Company: Applied Business Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX XXXX uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX Texas XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest. 
As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of XXXX XXXX, XXXX XXXX XXXX of XXXX PA, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night! 
Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " PA Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's Dodge Dart. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, Pa where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night? 
Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, XXXX, XXXX billed me {$48.00} and {$42.00} on my XXXX Capital One credit card for merchandise I never received. Capital One showed a merchant credit on XXXX XXXX, XXXX. 
Capital One shows a credit to me on XXXX XXXX, XXXX Capital One has rebilled me TWICE on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
This means that Capital One has billed me for money the merchant owed me. 
I spent 2 hours on the phone on Sunday XXXX XXXX, explaining that Capital One credited me once and debited me twice, so that Capital One collects {$48.00} and {$42.00} from me, wiping out the XXXX credit. 
I still pay for {$48.00} and {$42.00} for merchandise I never received. 
Capital One refuses to acknowledge that the merchant owed me the credit and they should not have debited me twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PNC Bank in XXXX 2015 offered online a {$300.00} incentive for transferring banking accounts to their bank. I inquired about requirements and was told if I opened the accounts and arranged online bill pay that I would qualify for the {$300.00} payment. It was never paid. I inquired several times online and got no response. When I inquired in person I was told I would receive payment on XXXX/XXXX/15. On my next inquiry XXXX/XXXX/15 I was told that the small print required that I also set up automatic paycheck deposit on the account. This is the opposite of what I was told in XXXX when I opened the account. I specifically asked about the automatic deposit and was told it was not required as long as I had an automatic online payment that went through XXXX bill pay cycles. When I asked to close my accounts since I did n't qualify for the incentive, they told me there would be a fee charged for closing the account in less than 6 months. I believe this is a case of deceptive sales practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Army and Air Force Exchange Service
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was in the military got XXXX in XX/XX/2016 AAFES military star card hasn't been updating to my credit report at the past 6 years.. it has been showing on my credit report has charged off reporting a balance I have emailed them and emailed them and asked them remove it from my cr3sit for reporting false information I even disputed with the 3 credit bureas and still not removed

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 2020-01-15
Company: Experian Information Solutions Inc.
State: CA
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 applied for a loan today XX/XX/2020 and I did not qualify because apparently there are accounts reflecting badly on my credit report. None of those accounts belong to me and I never allowed anyone to open them in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not gain anything from these accounts that were opened in my name without my permission nor did I ever make any payments towards these unauthorized accounts. I do not have any written/verbal contracts with any of these companies.

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 2017-01-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am XXXX XXXX XXXX and have had a XXXX XXXX credit card since I was XXXX. The only reason I have n't cancelled it is because of the account length and positive effect on my credit. my first problem was when they changed parent banks ( to XXXX ), certain payment dates ( including the one I had set up for my acct. ) were " no longer available '' according to them, so they took it upon themselves to automatically change my due date without notifying me! Causing me to be late that first month. And now, this is the 4th time I have had to call to cancel the " credit protection program '' that they keep sneakily, automatically, enrolling me in without my consent. They have one scam after another going on over there, and it needs to be addressed.

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 2022-06-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Charge of {$7500.00} was processed by the company in XXXX of XXXX, charge was shown twice on the company statement ending XX/XX/XXXX. Total of {$6400.00} payment was made. The company never applied the payments and continued to demand payments with late night calls and threatening telephone calls to my home and workplace. A lot of the calls were placed out of the XXXX. To the best of my knowledge the company never updated their billing statements to me to apply the payments only updated the statement to show interest charges and late fees. 

I have been a cardholder with this company starting in XXXX I have never missed a payment nor late with payments. 

I called the company sent emails and wrote letters seeking an explanation only to receive more threating telephone calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The Credit Bureaus stated my account was properly investigation and is reporting correctly, but how is that possible if the open date is inaccurate, the date last active is inaccurate and was re aged, and date last reported is not accurate. This ground for removal they also violated my rights under 15U.S.C 1681 ( 4 ). 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 15U.S.C 1681i ( 2 ) prompt notice of dispute to furnisher of information 15U.S.C 1681s ( 2 ) duty of person after receiving notice of dispute 15U.S.C 1881i ( 5 ) treatment of inaccurate or unverifiable information here is tracking number 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 2015-07-28
Company: Diversified Adjustment Service, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls from a Diversified Debt Collection Agency. XXXX. I do not owe money to know one. All my bills are paid up and on time. I am on payment plan for my last bit of medical from my surgery. I want them to stop calling. I have never gotten any paperwork in the mail. I have perfect credit and have to because of my job. It better not be effected. If it has been someone is getting there XXXX kicked. I am sick of this. I want proof I owe no money and a letter stating my credit has not been effected.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have owned our house for 14 years and have problems with payments during Covid. Our mortgage company Mr. Cooper says we qualify for pandemic forbearance plan and gives us 9 months with no payments. When the plan ends we ask them to try and modify or restructure our loan and they refused, they would not let us fill out application, they would not look at the current financial information of our family. We tell them that part of the government forbearance plan is to give people a way to restructure the loan and be reviewed for programs and they say sorry, Mr. Cooper does not do that, you have to pay all the past due payments to us in one payment. We make good income again but can't pay all this money. Now Mr. Cooper sets sale date for XX/XX/XXXX. We love our home and have equity and want to fix this but Mr. Cooper will not give us a chance. 

We believe this is government XXXX XXXX  or XXXX XXXX loan and there are many programs that are available for distressed homeowners. We had a modification 7 years ago when the interest rate adjusted very high and we made these payments for almost 5 years with no problems. In XX/XX/XXXX I was no longer able to work and was collecting disability and my husband 's company was sold to a new ownership group. Even though my husband made good money, the new owners don't understand the business and the company has problems and can't make the payroll for a few months. Once things were fixed we called Mr. Cooper to begin making mortgage payments again but they would not take the money. We asked to be considered for modification and they said no, the only option is to pay everything back. 
A few months later we had Covid pandemic and my husband company struggles and he loses hours and they miss payroll several times. Finally after many calls Mr. Cooper says we are approved for pandemic forbearance plan. We believe that after the forbearance we can work to a new modified and restructured loan or repayment plan but instead same thing happens and the agents say no to everything. This is wrong. Pandemic CARES Act forbearance was mandated by Congress and lenders are REQUIRED to offer a path to fix the late payments after the program ends. Mr. Cooper has failed to do this. 

We have had a significant change in our financial circumstances, my husband is doing well at his job and I am receiving monthly XXXX and my son who lives with us is also working full time and contributing. This is an avoidable foreclosure if Mr. Cooper would just give us a chance for review for modification, restructured loan, capitalization of arrearages or repayment plan but they block everything we do. This is wrong and this company should be investigated for how they treat Virginia homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: VA
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:
To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD and Regulators of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Senior Vice President & Leader of XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. 
Business Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Suitable Afternoon Regulators of XXXX XXXX XXXX/Consumer Financial Protection Bureau XXXX 

The letter will entail the reasons why the late payment on the credit profile of XXXX XXXX is invalid and violates the Mortgage Loan agreement and The Federal Credit Reporting Act ( FCRA ). 
Creditworthiness and Credit profiles allow Americans to remain sustainable during a crisisresilience is a score that determines the outcome of a financial profile. 
XXXX XXXX XXXX adheres to Consumer Credit Laws and the Federal Credit Reporting Act ( FCRA ). 

I received a late payment which compromised his stellar performance and increased his overall resilience score. On XX/XX/XXXX, XXXX XXXX granted a line of credit regarding the Mortgage loan XXXX. My stellar payment history with XXXX XXXX XXXX. Per the terms of the loan agreement, payments on the loan would continue if the loan wasnt satisfied pay the maturity date of XX/XX/XXXX. 
The Representative gave the option to continue with payments or satisfy the loan ; n continue with scheduled payments. 
XXXX XXXX XXXX representative later contacted me and charged a late fee. 

There is a questionable reaction from the oblige when there are no revenue changes or gaps in the payment sequences. The Representative collected the remaining balance, which satisfied the agreement before the maturity loan date of XX/XX/XXXX ( Please see attachment ). 
Why did the XXXX XXXX XXXX react adversely to oblige credit reporting, Creditworthiness, and banking profiles? 
Operational Risk and The Federal Credit Reporting Act ( FCRA ) are two risks. 
Once concluded, a review of communication gaps and all late payment removal on all significant credit and banking scoring profiles. The loan agreement complied with terms and is a long-standing member of XXXX XXXX  XXXX with a stellar payment history and never posed a risk to the institution or its operations?

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 2020-01-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, 10 transactions were fraudulently debited from my checking account. These jumped from Kansas to NY to Alaska - it was obvious these were not in my regular behaviors. Two or three times in the past these types of fraudulent transaction were caught by Citizen 's own software before I caught them. In the past my account was credited either immedidately or within a few days. 

I filed a complaint with Citizen 's Bank on XX/XX/XXXX when I discovered this fraud and was given the claim number XXXX. The total amount of the claim was {$5000.00}. 

I opine that this violates the Electronic Funds Transfer Act of 1978 where funds held for verification not exceed three business days. Citizen 's Bank is claiming to me today when I called to check on the claim that they have until XX/XX/XXXX to complete their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Forbearance periods on federal student loans should count towards the Public Service Loan Forgiveness Program eligible payment count. My lender took advantage of my situation fresh out of college and encouraged me to take a forbearance on my loans when in actuality my payments would have been {$0.00} per month on an Income Based Repayment plan, thus counting towards my 120 months of repayment. They did not disclose the amount my payment would have been or else I would have never agreed to the forbearance terms at the young age of XXXX. So many people are in my same position. Give us credit for the months we have been employed in public service and have been responsible for student loans including the forbearance periods that we were wrongfully encouraged to take.

Company response to consumer: Closed with explanation