vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MS

Complaint narrative:
I'm filing this complaint today to bring to your attention the recent actions of Flagstar Bank - In XXXX of 2021, I submitted a loan modification packet to Flagstar, after losing both of my parents to covid and incurring a rather large financial setback ( funeral expenses ). My request was assigned to a XXXX  and at that time, I was told that one of the options was a deferment, because FHA loans prohibited the homeowner from reapplying for a modification for 2 years, but that they would review all workout options. 



In XXXX, I called to check the status of the paperwork and was told that it was sent and would be arriving in 10 to 15 days. I was also told that it could take longer because they were behind on the paperwork due to several homeowners in forbearance. I continued to call in for several weeks speaking to several managers and hardship task force supervisors stating the same thing, we are behind in the paperwork from the investors. 



This went on until the end of XXXX when I was told that my deferment was denied back in XXXX, due to the date my loan went into forbearance. I explained my story and how I repeatedly checking the status of the deferment and was NEVER told that it was denied, but nothing was done to correct things Once again, I reengaged Flagstar in XXXX and RE-submitted all documentation. Our file was formally opened for review on XX/XX/XXXX and during the process of review, Flagstar repeatedly gave me conflicting information regarding the status of my request. 



On XX/XX/XXXX, I was informed that I was approved for a TRIAL PAYMENT PLAN on XX/XX/XXXX and that all that needed to be done was to make the initial payment on XX/XX/XXXX and the plan would be engaged. 



On XX/XX/XXXX, I called them to ask where the paperwork for the TRIAL PAYMENT PLAN was and asked that a copy of it be emailed immediately. When I received the email, the documents weren't for a Trial Payment Plan, in fact, they were for a USDA Farm Loan Deferment Agreement. To date, no one has been able to explain when/who converted my FHA loan to a USDA Farm Loan . This information CLEARLY conflicts with their response to my Modification request in XX/XX/2021 ( where I was told that I couldnt apply because of FHA loan guidelines ). I've requested, numerous times, for a notice of transfer or notice of new service or letter from them and they have refused to provide me with one. 



Not only this issue, but on XX/XX/XXXX, I was told by my XXXX that my NEW payment was increased by {$40.00}, due to a recent Escrow Analysis. Further investigation showed that the most recent escrow analysis was performed on XX/XX/2021 PRIOR to the latest approval for workout. NO analysis has been performed since then and, once again, Flagstar seems to be operating on deceptive business practices.

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 2022-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
In XXXX, my wife and I consolidated our loans into a single FFEL Spousal Consolidation loan. This loan was recommended by our loan servicer Sallie Mae. WE had no idea this financial product even existed. In XXXX, we discovered that we would qualify for Public Service Loan Forgiveness ( PSLF ) program. WE contacted our servicer and they told us we would qualify, we need to be in Income Bases Repayment, and that we need to keep working at a nonprofit. We recertified every year with Sallie Mae ( Navient ) : XXXX, XXXX, XXXX. XXXX through XXXX I spoke to a Navient representative and she informed me that our loans would not qualify for PSLF because they were FFEL Spousal Consolidation loans. They said I could qualify if I reconsolidated into Direct Loans with Department of Education. I called the DoE and went through my loans with a DoE representative and they said that I could reconsolidate. I filled out an application and waited and was denied the consolidation, wrong loan. The DoE said I needed to talk to Navient and they could change the loan. Navient said that they could do nothing so I needed to talk to the DoE and they could change the loan. On and on and on. Neither Navient nor DoE have ever given me consistent correct information about this loan. Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I contacted Hyundai Motor Finance on XX/XX/XXXX requesting an out of state title transfer for my lease as I recently moved to Florida. They said the DMV would receive it in ten business days. After eleven business days I contacted the DMV and they have yet to receive it. I contacted XXXX again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. They keep giving us the run around about how titles is an internal part of their company and we are unable to contact them. They said they receive our emails and will send us a tracking number then they say they never got any of our emails from the above dates. I am paying for a car that I can not legally drive. This is absurd - I wish I knew this before leasing a car through Hyundai.

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 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I attempted eight times to communicate with Square , Inc regarding my merchant account which a significant of money was stolen from, via email, and repeatedly get asked to provide information and told I would be contacted in 24 hours however, that never happens. I am not allowed to contact them via phone as I lack a code needed because I have no access to the account, my debit card has NO phone number on it. My fraud issue has been ignored and the person ( s ) who compromised and took my business account ordered his/her own card for this account and it is believed that thousands have been taken without any assistance from Square. 

I am the owner of XXXX XXXX XXXX On or about XX/XX/2021 this account was compromised, the user and passwords changed, and an additional card ordered or requested. To date, 7 months later, I am unable to still even see what has transpired on the account. My phone number was stolen first, and as such any verifications were being viewed and changed by the person who stole the phone number and subsequent email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo allowed an unauthorized XXXX transaction to be made from my checking account in the amount of {$3500.00}. I contacted Wells Fargo as soon as I discovered the fraudulent transaction. I learned around one month later when calling back that this first associate at Wells Fargo did not even report the claim to the fraud department. I was then told that the transaction was authorized and they would not be refunding my money. I never made this transaction or authorized it AT ALL! I am out of {$3500.00} due to Wells Fargo 's negligence and lack of security. They provided zero help for a security breach on their end and it is unacceptable.

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 2022-01-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Last lease payment was due XX/XX/XXXX. Payment was made XX/XX/XXXX. Chrysler Capital website later noted new payment due XX/XX/XXXX. Payment was made. Confirmed with Chrysler Capital that this was now the last payment due. Chrysler Capital website now notes payment due XX/XX/XXXX and account is past due. Chrysler Capital continues to note that payments are due despite lease ending XX/XX/XXXX. Chrysler Capital has not processed a refund for {$410.00} payment made XX/XX/XXXX. I called XX/XX/XXXX to clarify what was going on. Chrysler Capital agent confirmed that last payment was due XX/XX/XXXX and that is just the way the website works that it defaults to payment requests every month even if nothing is due. I noted that the fact that it shows as past due with a new payment due when actually paid in full is predatory. In addition, Chrysler Capital has held onto the XX/XX/XXXX overpayment after telling me it was due over the phone and noted by the website and seems to have no checks/reviews in place to refund overpayments until a customer calls to complain. On XX/XX/XXXX call, Chrysler Capital agent noted that now that I had complained, a refund would be processed and it would take 60 days subsequent to review of the account. So 90 days they will have held onto a payment they noted was due that actually wasn't before refunding the money. This is a predatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon checking my report I noticed a collection from XXXX, Ive never done business with this company or entered into a written contract with this company. This account is fraudulent. 

Please see attached Ftc!! Please dont respond back saying you cant read upload ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon checking my report I noticed a collection from XXXX, Ive never done business with this company or entered into a written contract with this company. This account is fraudulent. 

Please see attached Ftc!! Please dont respond back saying you cant read upload ftc 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 non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
On XX/XX/22, I attempted to make my car payment via credit card as I have before. Without notice, warning, or consent, they removed my cc method of payment and stopped taking payments via credit card. They allege theres a law preventing paying debt with credit cards but I cant find it and again, was never notified. 
Now theyre threatening further action if the payment isnt made but they wont accept my readily available method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Account must be removed immediately according to the law Account Number XXXX Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$5800.00} Original Amount {$5800.00} Original Creditor XXXX XXXX XXXX ( Rental/Leasing ) Past Due {$5800.00}

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 2022-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: AR

Complaint narrative:
I have an existing auto loan through Bridgecrest LLC who finances on behalf of XXXX. I began the process of refinancing with XXXX XXXX XX/XX/XXXX. Bridgecrest charges daily interest and they have failed to send a copy of the title to XXXX XXXX despite repeated phone calls I have made and caused to be made regarding this issue. I have sent the new financier everything they need and thats all theyre waiting on, approval is subject to expiration by XX/XX/XXXX. Im being told that Im past due and in collections regarding the loan, which would not be the case had they honored my request in the first place so theyre now reporting a past due status and jeopardizing my ability to refinance entirely all to charge daily interest on the loan by delaying. 

XX/XX/XXXX XXXX XXXX  They Disconnected as I waited on hold. 
XX/XX/XXXX XXXX XXXX  They Disconnected as I waited on hold. 
XX/XX/XXXX XXXX XXXX  ( 18 Minutes, ) was told theyd send a copy of the title to the new financier. 

Prior to these calls, I called XXXX customer service department to procure copy of the title and they reached out to their lender as proxy. I was sent a copy of the title of another persons vehicle divulging their personal information and not mine, further delaying. 

The new financier has reached out on XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX, they called Bridgecrest and sent me this message : the rep I spoke with on the XXXX submitted the request then. Not sure what happened to your requests but it should be here tomorrow. This morning, XX/XX/XXXX, I received an email from XXXX XXXX saying, Hi XXXX, If you get the title please send it over today. Once we have it we can go ahead and re-pull the credit to proceed. So Ill take another credit inquiry hit! 

Attached, please find the documents and personal information they sent me instead of the documents that pertained to my vehicle loan. Theyve disclosed someone elses protected information to me negligently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have tried to resolve this issue with both Fed Loan Servicing and the Dept. of Ed. In XXXX of XXXX the Federal Government announced a waiver of Public Student Loan Service rules in that previously discounted payments should now count. You still had to meet certain criteria, be in public service 10 years, make 120 payments etc. I have been a public servant for over 25 years. I had one direct unsubsidized loan with Fed Loan as of 2009. On and off I had to defer it but I still made payments as I could. At one point 2010/2011 I made 18 payments on a standard repayment plan, no one told me that these would not count towards my 120 payments. Until I called to check on my payment count, at the time there was nothing on their website to tell me that information. I was very disappointed and angry that I had been misled. I shifted over to one of the qualifying repayment plans and continued to make payments. I am still being told that I owe 19 payments but when I read and apply the new waiver rules I count at least 21 payments that should now count. I have provided highlighted payment histories to both Fed Loan and the Dept. of Education. But Fed Loan refuses to apply the new rules to may case and they close it without giving me a chance to question or appeal the decision. I have filed 3 complaints with the department of Ed. but have gotten no relief. I will write my Congress people next I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I had an Amazon co-brand credit card with Synchrony bank. I requested their chat team ( sometime during this month ) to close my account after I clear my balance. I had not yet cleared my balance and they closed my account. In the process, they forfeited my rewards worth USD XXXX. I didn't ask them to close the account right away. Since they record the chats, it should be there in the record. When I reached out to them yesterday, they told me that I myself closed my account. I was shocked at such a blatant lie. When I asked for a proof that I closed it, they could share none because it was closed by them. They committed fraud by closing my account without my permission and forfeiting my rewards. Please look into it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One has closed my line of credit and taken adverse action against me for exercising my rights in good faith as a consumer under federal law.

Capital One mailed me a statement dated XX/XX/XXXX showing that I owe a balance of {$3400.00}. Through this communication, Capital One has engaged in fraudulent activity against me and has violated my rights as a consumer numerous times. 

I mailed letters dated XX/XX/2022, responding to the statement I received outlining all of the fraud and violations against me. I gave Capital One 3 business days from the date of my letter to reply to my concerns, and satisfy my demands, and they have not responded as of XX/XX/2022. All of my correspondence is outlined in my attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I did not aply for any auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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