BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-03
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for an FHA refinance on my home with possible cash out for home improvements at the end of XXXX XXXX through XXXX XXXX XXXX. I currently have a land contract which has a balloon payment due in XXXX XXXX. It took until XXXX XXXX until I was approved for the refinance. Then we had to get the approval for the cash out. The underwriters through Flagstar Bank started to ask for clarification and more paperwork, some of which had already been explained and/or sent to them. This went on for XXXX months. On XXXX XXXX, XXXX, XXXX XXXX XXXX advised us that Flagstar Bank had denied our refinance. This has caused us significant hardship because we are under a time limit due to the land contract balloon payment being due In XXXX XXXX. I feel XXXX months is excessively long to wait for a decision on a refinance. I had the necessary credit score. If they would have given me their decision in a more reasonable time frame, I would have been able to correct the issues that caused them to deny the loan. Now I have less than a year to correct the issues and try to refinance the home. This is causing me significant hardship due to this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted LexisNexis to have me removed from there system XX/XX/2021. 
I contacted the United States Bankruptcy Court to request a letter as to if they report to LexisNexis and requested a credit report from XXXX, XXXX and XXXX to show that LexisNexis is reporting a bankruptcy and indicating the information was provided by the courts, I requested LexisNexis provide me the source of there information and they will NOT provide the source as requested, they keep asking me to send the same info a DL and current bill, I have sent the attached information 2 times and now to you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
I purchased a XXXX Can Am XXXX XXXX XXXX, XXXX ending in XXXX in XXXX with MB Financial as lien holder. Bike was paid off in XX/XX/XXXX. 5/3rd bank now holds the title as they acquired the loan from MB Financial when they bought MB Financial in XXXX. I learned in early XXXX that the bike was still listed in Florida vehicle title records as having MB Financial as the lien holder, which was why I assumed I had not received the title. I called 5/3rd 's XXXX XXXX XXXX MI office XXXX XXXX on XX/XX/XXXX, spoke to " XXXX '' XXXX who connected me to his manager, " XXXX '' and on a later call, after contacting my local DMV to learn FL had not received the title, I spoke to XXXX. XXXX and XXXX both told me the title had already been sent to FL but neither gave me the date that occurred. XXXX stated she would have it sent again and a letter sent to me stating the vehicle was paid off that I could take to the DMV to get the title transferred to me. I told her the state of FL said a transfer of title from MB to 5/3rd was needed, and XXXX stated that info would be in the letter to the state. As of today ( XXXX XXXX ) I have yet to receive the title or said letter XXXX spoke of, and bike is STILL listed in Florida title records as having MB Financial as lien holder. I have contacted the State Attorney General of both FL and MI and both responded with filing a claim with CFPB to get assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted more than once the letters from XXXX stating they do not have a file under my name or social security number but Equifax is now saying, after telling me to send them the letters from XXXX, that XXXX will have to call or send them a letter themselves in order to remove the items from my report. I have sent these letters to Equifax a number of times and still not getting any help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: LA
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  XXXX  XXXX XXXX Account # 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 2019-10-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2019 I went to the Chase branch on XXXX in XXXX XXXX, MI to obtain a copy of my checking statement. I found myself outraged that my statement cut-off is XX/XX/XXXX so I have to wait an entire month in order to provide a copy of transactions to another institution. The branch alleges they no longer have the capability to print my statement nor can I print statement information after the cut-off date. Why, not? I utilized the ATM via debit card to obtain a copy of my receipt which displays the last 10 transactions. This action didnt denote if a transaction was an ACH or give a running balance. I cant provide another institution a screen shot which is the only option Chase left me with. How can I handle business that requires a statement if I have access to a certain portion of my account regarding dates. 
Its fine if Chase doesnt want to print the information. However, to take away my right and control to manage my account is unacceptable. In addition to, not providing any alternative resolution such as an interim statement that can show my posted transactions after cut-off. Allow me the option to select certain days after statement cut-off. Yet, to force a customer to wait a whole month demonstrates a lack of understanding on Chase behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, Equifax and XXXX are not responding to my requests to investigate and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX {$640.00} XXXX XXXX {$4200.00}

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2016-07-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
While closing mortgage, Specialized loan servicing LLC deducted extra future months interest and refused to return the excess interest. 
Payoff quote from Specialized loan servicing LLC on XXXX/XXXX/16 stated the total amount due was {$390000.00} which includes interest up to XXXX/XXXX/16. 
When XXXX XXXX XXXX XXXX tried to payoff the loan, the title company wired the amount of {$390000.00} which include the interest up to XXXX/XXXX/16. Specialized loan servicing LLC did not process the payment as payoff, instead deducted three months of interest and treated the rest amount as additional principal. The XXXX deducted interest amounts on XXXX/XXXX/16 are : {$1200.00} for XXXX, {$1200.00} for XXXX and {$1200.00} for XXXX. And the loan status changed with the principal balance remaining as {$5200.00} along with the escrow balance of {$3600.00} as of XXXX/XXXX/16. 
As suggested by title company, we went ahead to payoff using the new payoff quote as of XXXX/XXXX/16 which is amount of {$1600.00}. We wired the amount of {$1600.00} to the specialized loan servicing and the loan is closed on XXXX/XXXX/16. 
We expected to receive the excess interest payment refund of XXXX for XXXX plus the interest difference after XXXX/XXXX/16 however we received only {$61.00} for the interest refund. 
The amount of {$1500.00} should be refunded as the excess interest paid for non existing loan amount. 
Our calculation for remaining excess interest taken from title company 's payment on XXXX/XXXX/16 : ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$41.00} ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$0.00} Excess interest for XXXX ( $ XXXX {$0.00} ) XXXX {$360.00} Excess interest for XXXX : {$1200.00} Refund from payoff : {$61.00} Remaining excess interest to be refunded : {$1500.00} ( $ XXXX $ XXXX {$61.00} ) Specialized loan servicing also refunded XXXX XXXX property tax payment amount of {$4800.00} which was deducted from the escrow account on XXXX/XXXX/16 however the tax payment did not reach to XXXX XXXX XXXX before the title company 's payment which was made on XXXX/XXXX/16. We have contacted XXXX XXXX and the only XXXX XXXX received was from First American title company and there is no evidence of Specialized loan servicing 's payment. 
Specialized loan servicing is stating that the refund check of {$4800.00} also includes the excess interest refund however it is not true. The interest refund is still in short of {$1500.00}. We would like to request a refund check of {$1500.00}.

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 2015-05-28
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone subscribed to XXXX XXXX using my name, phone # and SS #. The address is a XXXX MI address and I live in XXXX MI. I am getting calls saying that I owe {$1100.00} to XXXX XXXX and the calls are coming from Receivables Performance Management. 
After getting these calls I checked my credit report and see that XXXX XXXX had done a credit check on me before opening this account. I wish I would have noticed that earlier and informed them that this was not me requesting service from XXXX XXXX. 
I do not live at the address that is subscribed to XXXX nor do I know anyone who lives there. The email address that was used was not my email address and that is why for the last year I was not getting the online bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX, to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I began the modification process in XX/XX/XXXX when I resumed payments from a COVID forbearance.seems clear to me that they are trying not to offer the assistance i requested because I went through a personal bankruptcy in XXXX and COVID did not help things. 

I have now submitted 3 separate modification requests, and the first two got closed without any notification on what was missing. This third application has been going on for over 6 months, and i have repeatedly emailed for a status or to see if they are missing anything. I have called several times, but the people on the phone never seem to be able to provide any update or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Our company XXXX XXXX XXXX XXXX, Receive customer that pay with stolen credit cards. For buy safe vault ( The Customer XXXX XXXX XXXX ( phone XXXX ) Ask for the service of pick up and delivery safe by the company XXXX.contact person XXXX XXXX with phone XXXX for the quantity of {$26000.00}. Banco Popular of Puerto Rico do the wire transfer from our account XXXX to the Bank XXXX XXXX XXXX on XXXX with the account XXXX. The transfer the money Knowing that until XX/XX/XXXX this fraud scheme is occurring in Puerto Rico, with the banks. The send a Letter telling abount that., whatever do the transaction and transfer the money. Now Banco Popular says that is impossible to ask for refund de money, because the do n't have the enough information. But when they do the transfer have the '' enough '' information. Banco Popular fill a complete form, with all the information to do the transfer ( Beneficiary Bank, Beneficiary Name, Account Number, Swift Code, Address ) All the information. If they have identified the Bank and was good this information to send the money, it have to be good to ask for the recovery of money. Banco Popular tell " no '' You need to pay. But we dont withdraw the money, The transfer it. We contact FBI on XXXX XXXX, 2016 and open a complaint with the Agent XXXX XXXX. for do the investigation. We understand that all the transaction on the bank have an inssurance, if it really a fraud.

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 2020-04-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just saw on my credit report that I have an open account with Wells Fargo Credit Card SVCS and I have  never in my life opened any account under Wells Fargo clearly someone is stealing my identity. I already filed a complaint with the credit bureau as well as identity theft org this is unacceptable and I already knew Wells Fargo history with fraud I just never realized I would be a victim to this.

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 2018-01-30
Company: EQUIFAX, INC.
State: MS
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 previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX XXXX : XX/XX/XXXX - XXXX XXXX  XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX   XXXX  : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX However, XXXX sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, my name is XXXX XXXX and I have a serious problem with a bank wire transfer. 
I have dual XXXX  and American citizenship. At the moment I am in XXXX where XX/XX/XXXX I asked my American Bank Wells Fargo, via online banking, for a wire transfer of XXXX dollars to my XXXX  bank account XXXX XXXX account. I received email confirmation from Wellsfargo where everything was ok and being processed in 5 business days Today, XX/XX/XXXX, those money reappeared back on the US account with a lower amount of {$18000.00}, minus {$810.00}. 
In addition to the missing amount, I find myself in XXXX with no money I need to live, and I'm afraid to make another transfer because the same thing could happen. I contacted Wellsfargo bank customer service and they tell me that there is a third bank in XXXX that has blocked this wire transfer for reasons they don't know of, and that bank wired the money back with that {$810.00} fee. But they were unable to explain anything else, who the bank is and why that happened. Wellsfargo takes no responsibility. The Italian bank never received anything. What can I do? I need money here to live and I have no help and no number to call. 
Can you help me somehow? 
My phone number is XXXX and my email XXXX My name is 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 2021-04-21
Company: Shellpoint Partners, LLC
State: MT
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:
In XX/XX/XXXX I applied to Shellpoint Mortgage for a forebearance due to XXXX situation which affected my income. 
I was assured no negative marks would be reported to my credit and that it would not affect my credit in any way. 
I was making partial payments along the way from XXXX XXXX. 
In XX/XX/XXXX I notified Shellpoint Mortgage that I had started earning income again and wanted to start making regular payments at which time they approved a loan modification but did not reduce my 6.875 % interest rate. 
Instead, the tacked on the interest payments I was behind on and my payment went UP instead of down. 
They delayed in sending out my loan modification package for 2.5 months. I did not receive the package until XX/XX/XXXX, after several phone calls I made to remind them I was still waiting on the package. 
I signed the modification and made my first high payment in XX/XX/XXXX and have not been late since. 
In XXXX of XXXX I applied for a refinance with another lender so that I could reduce my 6.875 % rate to 4 %. To my surprise my credit report shows that I did not make any payments at all from XX/XX/XXXX through XX/XX/XXXX. I then asked Shellpoint to make this right and fix my credit file AND to fill out a XXXX XXXX XXXX XXXX XXXX  ). I called for 3 weeks until I finally received this form ( see attached ). They reported I am delinquent and have multiple late payments. 
This has ruined my chances of getting a lower payment as I was approved for a 4 % rate subject to Shellpoint providing a satisfactory XXXX. 
This is not what they promised and I can not afford this high rate of 6.875 %. I don't want to lose my home. 
Please help me resolve this by getting the XXXX to reflect the account is in good standing and there are no late payments. 
Thank you. 
XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation