BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I called Comenity Bank at the end of XXXX about fraudulent charges on my account. They transferred the account to a new account and sent me a new card. I noticed on XX/XX/XXXX that I had not received the card. I called Comenity Bank, and they said I should have received the card by now. The representative said she had to ask me some security questions. She asked me for a previous address, and I got the wrong zip code. I asked for a supervisor, and she asked more questions, and she said I needed to send in some documents to have a card sent to me. I wondered why they didn't ask for records or questions when I called in to transfer the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: AZ
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:
My report 's list of inquiry was inaccurate. I sent it to the credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the inquiry listed below. 

XXXX XXXX XXXX XX/XX/2022

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

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 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.

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 2018-01-07
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom this may concern, my name is XXXX XXXX. My girlfriend, XXXX XXXX and I live in XXXX, NC. 
We have a Sale Date on our house on XX/XX/XXXX. 
We have been going round & round with Nationstar Mortgage ; who has turned into XXXX XXXX XXXX, since XX/XX/XXXX. We tried repeatedly to get a mortgage modification for months and finally received one in XX/XX/XXXX. We made our 1st payment on the modification and 2 days before our 2nd payment was due, we received a letter stating that there was a signature missing on one of the pages. They were going to send me the page that hadnt been signed and told me not to make our 2nd mod.  payment until the error was corrected. That is where the nightmare with them started all over again. 
I continue to have the same problems & issues with Mr. Cooper as I always did with Nationstar. I have sent 2 ( two ) complete RMA Packages to them and its always the same old thing ; didnt receive, pages missing, can you resend, etc. 1024.41 ( b ) Receipt of Loss Mitigation application - A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. 
They have now scheduled a notice of sale for XX/XX/XXXX. We have done everything over & over to try and avoid this from happening again but they seeming are steering our property into foreclosure for what I feel is their own monetary gain and total disregard for us losing our home that we love. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) XXXX Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to protect mortgage borrowers from costly surprises and runarounds by their servicers. 
How is it that we are in foreclosure again when we have been sending and resending paperwork in to get the modification reinstated that got off track because of one missing signature? XXXX ( g ) Dual Tracking is prohibited. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure. CFPBs mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure, borrowers shouldnt be surprised by the start of a foreclosure proceeding until they have had time to explore all available options. 
They now tell me there is nothing they can do to postpone the sale date or modify the loan. Mr. Cooper Mortgage continues to violate the Dodd-Frank Consumer Protection Act. They have dual-tracked my mortgage while avoiding an opportunity to work out something rather than foreclosure on us. 
Please help us postpone the sale date of XX/XX/XXXX.  We would be devastated if they were allowed to foreclose on this property. PLEASE HELP!!! 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of identity theft. The original company, XXXX XXXX, was removed from my credit report. Portfolio Recovery apparently purchased this fraudulent account and is reporting it on my credit bureau reports. I am a XXXX XXXX XXXX veteran and Portfolio Recovery is trying to extort money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I received a payment request for a debt attached to my SSN/credit report being reported by XXXX for a debt of {$180.00}. In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to True Accord Corporation. I did not authorize the sell of this account to True Accord Corporation, I have not done any business at the address listed with this account nor do I owe True Accord Corporation. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from True Accord Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently received a copy of my credit report, The credit report showed a credit inquiry bu your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. Please have this inquiry removed from my credit file immediately because it is making very difficult for me to acquire credit. 

I have sent this letter certified mail because i need your prompt response to this issue. Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 


If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary. 


Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am following up on my earlier complaint dated XX/XX/2023, where I identified inaccuracies in some of the information. Again, I am requesting that the three credit bureaus validate these accounts in my XXXX, XXXX, and TransUnion Credit Reports in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is imperative that they do not neglect to validate this reporting account, as unverified information should not be allowed without providing proof within the legally stipulated period. The account requires investigation for erroneous reporting in my file and is detailed on my credit reports : XXXX XXXX  XXXX Balance Owed : {$390.00}

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 2021-06-17
Company: ROBINHOOD MARKETS INC.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with Robinhood, stock and trading website. I have over {$2300.00}. in. I did not like the fact they said they had not recieved my deposit of {$500.00} ... .the bank confirmed they sent it on XXXX XX/XX/2021 ... they continue to say they did not recieve it. I trioed to call several times but got confusing messages about what to do. Bottom line, i sold all my stock and tried, unsuccessfuly, several times, to withdraw all of my fund and closer the accpount, but they block me from doing so. Repeated attemps and calls have done nothing. Please help me retrieve my money. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a foreclosure sale date on XX/XX/XXXX because Carrington has never reviewed my paperwork and never checked to see that I have the ability to pay my loan. I got sick from Covid and was unable to work and Carrington gave me a three month forbearance to help my family out. At the end of the forbearance I tried to make my mortgage payment and they told me not to, because they were going to review me for loan modification. I have spent close to 2 years going back and forth with them. They have never reviewed my documents that I have sent over and over and they would not accept my mortgage payments and now I owe them $ XXXX and if I don't pay all of it in two weeks they are going to foreclose on my house I live in with myself and three children. This is wrong. I should not lose my home because I became very ill during the pandemic, because I am back on my feet and can afford my payment, I just need help with the missed payments. 

I bought my home in XX/XX/2020. I work as an assistant manager at XXXX and when Covid hit in XX/XX/2020 I became very sick. I had bad chest pains and cough for several weeks but I kept working because I needed to pay the mortgage and feed my family. Eventually it got so bad that I could not breathe and I got tested and found out I had Covid. I wanted to go back to work but kept testing positive and since it was a restaurant job I had to quarantine. I missed a lot of work and was having issues with my XXXX and XXXX and XXXX XXXX XXXX. The doctors found that I have some scarring in my XXXX and I am still suffering side effects today. 

When I called into Carrington to explain the situation they offered me the XXXX month forbearance which was very helpful. At the end of the XXXX months I was back at work full time and my son was also working at XXXX as a shift manager so our family had the ability to resume making our payment. But the people at Carrington told me NOT to make the payment because they were going to give us a modification. For the past XXXX years I have been sending in my documents over and over and they say sorry, you are missing documents and we can't review. I kept telling them that I wanted to start making payments again because I did not want to fall further behind, but their people said not to pay because they did not know how they were going to handle the modification with the late payments. I was told more than once that I had a complete package and that I was going into review, then a few days later they would say I was missing something. I am very confused and do not understand why they make me go in circles. 

Now I am facing foreclosure sale on XX/XX/XXXX because Carrington never actually reviewed my finances and ability to pay. We have the ability to pay, we had it when the forbearance ended and we have it now, but Carrington has never given us a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is a follow on from a previous complaint # XXXX. That complaint detailed an illegitimate debt collection from a collection agency on a card that was issued by American Express. That agency apparently is no longer involved. Recently I was contacted by another collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX to whom collection of that debt was recently transferred. After receiving a notification letter of an attempt to collect a debt I immediately contacted them XXXX and notified them that I was not responsible for any unpaid balance on an American Express card. 

The card account in question ending in XXXX was issued to XXXX XXXX XXXX XXXX XXXX. I was a XXXX of this business which is a corporation. The business suffered financial collapse in 2017 and has subsequently been dissolved. I have never personally been issued an American express card, however XXXX is now attempting to collect this unpaid balance ( on behalf of AMEX ). This is illegitimate collection effort. A corporation serves to provide a barrier between actions of the corporation and the owners. Debts owed by the corporation are not transferable to the individual owners. I notified XXXX about the circumstances of this debt and demanded that they provide some form of documentation demonstrating that I was responsible for this debt, otherwise they should immediately cease all collection efforts. No documentation was ever provided. I again contacted XXXX to request cessation of their efforts but they failed to respond. Their collection efforts continue to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Dear cfpb, Here are the main facts of our experience. 

We purchased on XX/XX/XXXX a Serve  and a Bluebird card as requested by an agent we thought was with XXXX. The amount was XXXX each. On XX/XX/XXXX we informed American Express via the phone number on the back of the card. We also notified the police in our home town of XXXX, XXXX, We have card numbers and the receipts. 

As soon as we returned home, XX/XX/XXXX, my husband emailed a letter to XXXX including photos of the cards, receipts as suggested by a representative of American Express. We have had no response, so he over-nighted the information via usps. No response. 

My husband and I have both spent hours on the phone trying to get resolution to this matter. We can provide proof that we purchased the cards. American Express has not made any effort to return our money or to even communicate with us, We can prove that we bought the cards and prove that someone else cashed them in. 

On XX/XX/XXXX I was looking over the rental agreement on our XXXX XXXX car for our trip to XXXX XXXX. Our train was to leave in 3 hours. I spoke to XXXX  to tell them I didn't want to be the driver  in XXXX XXXX and they said they would not change the agreement. I looked online for another customer service number and called and spoke to a XXXX who said he could fix the problem.We needed to buy an American express prepaid card to take to the desk when we picked up our car. He made a point of saying it needed to be American Express. 
I purchased a Serve card at XXXX XXXX and gave him all the numbers on the card as he requested, grateful for a solution to having to drive in XXXX XXXX traffic. He called back later and said it was the wrong card - needed to be a Bluebird. My husband purchased that and I gave XXXX the numbers. 

On XX/XX/XXXX we got to the XXXX desk and we told they don't take prepaid cards and that we had been scammed. Later that day my husband called Amex to report our situation. 

On XX/XX/XXXX the agent my husband spoke to was a bit helpful. He did some research and found that the person who cashed in the cards was named XXXX XXXX with XXXX XXXX XXXX XXXX XXXX 
The rest is ourlined above. 

Our understanding is that prepaid cards are often used by scammers and so provisions have been made by card sellers to guard customers from loss. We don't use prepaid cards so we were unaware of these dangers. 
We have provided reasonable evidence of what happened. American Express has delayed, ignored, hung up on us, wasted our time, and not stood by their product. 
We are out over XXXX dollars and would like American Express to refund that to us. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my checking, savings, and credit card accounts without any reason. I strongly believe that Bank of America applies discriminatory approach due to nationality. Many people in my geographical area with the same nationality ( XXXX  ) are being discriminated by Bank of America.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TransUnion is reporting a account on my credit report that isnt mine the account was open fraudulent by someone else the account is a 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 2022-03-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: Kramer & Frank, P.C.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Kramer and Frank LLC brought a loan from the XXXXXXXX XXXX for only XXXX in XXXX per the court doc they filed. The loan was take in XXXX. Kramer and Frank and doubled the amount in interest on the loan. Their practices are robbery. They will not answer the phone about the matter and I can not get in touch with the correct person to handle the case. No one will provide clear answers or speak with you. They never served me in XXXX ( as the original ) court document has. They are a predatory company who are using practices to rob the poor and not provide information needed to settle this matter. Their practice and fees should be looked into and their target demographic that they are charging unruly interest on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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