BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Chrysalis Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage is serviced by NewDay USA ( XXXX XXXX XXXX XXXX, Georgia XXXX : XXXX ). 

In early XX/XX/XXXX I received a letter from NewDay ( dated XX/XX/XXXX ) informing me that my escrow account had an overage and that I would be receiving a check for the excess amount shortly. As of XXXX XXXX, XXXX I have yet to see the funds for this disbursement despite many calls over several weeks to NewDay ( at least eight calls ). 

Every single action NewDay takes requires several days of processing with little to no follow up. My request to speak with a manager was met with the submission of a ticket which took several days to process and the manager I spoke with insisted that she was unable to speak with the department which issued the refund checks ( she said she could submit a request which would take several days to check on the status ). The manager even told me that me that once the check was mailed " it is out of our hands and there is nothing we can do. '' She had no response when I asked if the same standard applied to my mortgage payment which I've remitted on time over the course of the loan. Doesn't XXXX have a legal responsibility to return my escrow excess to me? 

When I asked if it was possible to transfer the money electronically ( using the same account I send them my monthly mortgage payment ) another representative told me that they could submit a request which would take a week to process. 

Other issues I've had with their customer service include the phone picking up but hearing nothing but children playing in the background ( I could hear the kids playing and calling each other by name ), phone picking up then getting nothing but static and random people talking, and calls being dropped. 

Overall NewDay Financial has had the worst customer service of any financial institution I've ever dealt with. The way they've handled the disbursement of my escrow payment strikes me as a company that is cutting corners wherever possible and may not even have the money to disburse in the first place ( that's why I'm getting such a run around ). They are either incredibly dysfunctional or plain dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: M&T BANK CORPORATION
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for NH Homeowner Assistance Fund ( HAF ) on XX/XX/XXXX ( I previously had help from them on XX/XX/XXXX to pay my mortgage ). On XX/XX/XXXX my application went into review. XXXX came around and it was still in review so i contacted HAF to see the status of my case. I was informed that I was approved, but M & T bank, my mortgage holder failed to fill out the amount past due on the V Record, causing it to fail. I have been calling weekly, both M & T and HAF and the same thing. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX twice M & T sent failing ( missing information ) V Records to HAF. HAF keeps telling me that they have been prepared to pay ( now including XXXX payment ) since XXXX, but M & T is keeping me from receiving my right to a federal grant. M & T has since been sending me foreclosure letters/default letters. I feel like they are trying to get me to take a higher percent mortgage redo because mine is only at 3.4 % right now. Everytime I speak with M & T now they record me saying I can not bring my account current today. I know M & T knows how to fill out the V Record correctly because they have already received payment from HAF for me. I feel M & T is being unethical and trying to strong arm us. Please help, I have already put in a complaint to the NH banking Department, which sent me to The NY state Department of financial services, which has now sent me to here.

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 2022-06-19
Company: DISCOVER BANK
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX I opened up a market savings account I opened it cause of the good apy that was offered anyways XX/XX/XXXX deposited {$100.00} XX/XX/XXXX deposited {$7500.00} and XX/XX/XXXX deposited {$150.00} I have a total of {$7700.00} that discover is trying to steal from me they frozen my account on XX/XX/XXXX I have been trying to call them without no success I have been trying for over 4 days now I get put on hold for 3-4 hours and then they hang up on me All my money is in that account and I couldnt even have access to my money I had no way to pay for rent or buy groceries I also have XXXX and couldnt even get my medication this has put a big hazard in my health and life so I had to get a {$3000.00} Loan just so I can keep a roof over my head and medication that is over {$700.00} something needs to be done about discover they have taken money from others as well I also had to sell some of my things in order to finish paying off my bills I have all proof of shut off notices and deposits into the account this bank is the worse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX. # XXXX 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 non-monetary relief
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2017-06-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased two items at the XXXX XXXX XXXX store in XXXX XXXX on XX/XX/XXXX. One of the two items was returned within 30 days. The other, I kept. The kept item originally cost {$29.00}, but because I opened a credit card that day, was discounted by 15 % so that I ended up paying {$27.00}. Both items were charged to the new credit card. After returning the more costly of the two items, however, I decided to cancel the credit card. Unfortunately, I never received a bill for the charges, because the bill was sent to an old address ( in Missouri ) where I am not currently living -- due, as far as i can determine, to an error made by the store clerk who processed my application for the account. Long story short ... Because I never received a statement, had closed the account and returned the main item purchased on it, it completely slipped my mind that there remained a small outstanding charge ... until I received a call from Comenity bank ( who owns the XXXX XXXX credit card ) on XX/XX/XXXX, saying that I had a past due balance of {$92.00}. I was quite confused because I could n't recall anything I had purchased for that amount or anywhere near that amount. After some discussion, it became clear what had happened, and I paid them on the spot the {$27.00} I legitimately owed them. Now at dispute is a balance of {$100.00} they say I owe them in late charges, interest & misc fees. However, the statement ( attached ) indicates that I have been charged {$130.00} in interest, late fees and charges since the account was opened on XX/XX/XXXX. This is 476 % more than the cost of the single item I purchased, and these charges were levied over a 4 month period betweenXX/XX/XXXX and XX/XX/XXXX, the date of the bill I just received. That translates into a 1429 % effective annual rate. This seems patently absurd, and surely there must be some law against such outrageous charges. when I spoke with Comenity on the phone, I asked them to waive the late charges and fees and they declined to do so. I asked to speak to a supervisor. Although he/she did not come to the phone, a message was relayed to me saying that because i had closed the account, they could not or would not reverse any of the charges or fees. Please note that the attached statement is the ONLY statement that I ever received from Comenity, and it was received because I gave them my current address over the phone on XX/XX/XXXX at the time I paid them the {$27.00} that I legitimately owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: AR
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 credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX days ). Please let me know if you require anything else. Please take a look at the following items and remove them as these items are fraudulent : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX Balance {$340.00} XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$280.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balace {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX Balance {$760.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$900.00} XXXX XXXX Balance {$610.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Ray Skillman GMC Truck Inc
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ray Skillman XXXX XXXX in XXXX, IN, the buy here pay here section, was given a XXXX XXXX XXXX XXXX ( XXXX in color ) back because the vehicle had to many issues and had been looked at three times for electrical issues in the passenger front door panel. The dealership placed a voluntary repossession on my credit. I gave them back the van so that we did not have to go too court because of the state 's lemon law. There are two issues that are present, first when the vehicle was sold and prior to any documents being signed we found out that the vehicle had been in a car accident and was not reported. At that time a written agreement was written and was signed by the sales manager, that if there was any problems with this vehicle that they would do what was necessary to get us out of it. Well they never feel through on this agreement ( it is on the back of the first page of buyers agreement ). Second I gave the company the three strikes that is required by Indiana state law to declare this vehicle a lemon but they still claim on my credit as a voluntary repossion. This vehicle was given back to them because the electrical problems were causing issues with driving and the passenger front window would not go up or down at times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage was with Rocket mortgage for the past 4 years. I took out a loan with Rocket because their mortgage banker XXXX XXXX who sold me the loan promised me that Rocket would service my loan for the life of the loan and never sell it and provide outstanding service. On XX/XX/XXXX my loan was sold to XXXX XXXX XXXX XXXX. My property listed on the Mortgage is located in an AE flood zone and I hold a flood insurance policy which is automatically paid from my escrow account yearly. XXXX mailed me a letter stating my flood insurance lapsed. The letter threatened a deadline to produce proof of a new flood insurance policy or I would be charged 4 times the current amount for a lender provided policy.I called XXXX on XX/XX/23 and a customer representative informed me Rocket did not transfer any flood insurance information for my escrow account with the loan transfer. I received multiple letters from Rocket about my loan being sold and transferred to XXXX stating all accounts, insurance, escrow, and auto pay would be transferred smoothly with no action required form me. I called XXXX flood insurance and they verified no updated mortgage information or payment was received from Rocket. I called Rocket to let them know the issue and the first representative verified no flood insurance letter was sent to XXXX. Then I was transferred to a supervisor who stated the loan was transferred to XXXX with all required information. I feel I was placed in a damaging situation by Rocket mortgage selling my loan and not transferring the loan properly. If the mortgage banker and employee XXXX XXXX would have not lied and committed mortgage fraud by making a fake promise I would not be in this situation all caused by a faulty mortgage sell and transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had the same two credit cards, have banked at XXXX XXXX XXXX for thirty-seven years, have had no hard inquires, have always paid my bills on time ( except for a bill that got lost in the mail over twenty years ago ), and out of the blue TransUnion lowered my fico score twenty-four points. I called them several times, and they hung upon my three times. I filed a complaint with CFPB ID XXXX. Their response was gibberish. The resolution I sought was that TransUnion raise my fico score back to XXXX. They never addressed that, and claimed I requested that they cancel the investigation. I never did.

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 2021-06-24
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: Their investigation did not fix an error on your report

Complaint:
1. I have never been late with payments on this account. Balance on the account is wrong.

XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.

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 2023-01-26
Company: EQUIFAX, INC.
State: MS
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/XXXX I submitted a complaint with the CFPB against Equifax regarding incorrect information on my account. Refer to complaint number XXXX. Equifax responded on XX/XX/XXXX saying all information was verified as correct. Equifax responded through the CFPB portal. Equifax also stated if applicable a copy of the results will be mailed. I have not received the dispute or dispute results. The only thing Equifax sent in the mail was a paper asking for identification. What Im not understanding is how do I need to identify self when I have already done this. The correspondence is attached. I also have not received an updated consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Back in 2021, I was buying flight tickets ( XXXX visit to my family in New Jersey ) with Frontier Airlines ; on the Frontier website there was advertised option to apply for Credit Card with Barclays ( with {$80.00} annual fee for benefits that included flight cancellation... ). 
I applied for the credit card with Barclays ( Frontier ) because of that benefit of flight cancelation insurance. 
Unfortunately, due to sickness, I had to cancel the flight tickets for which Frontier charged cancellations fees for 4 passengers ( my XXXX kids aged XXXX and XXXX, my pregnant wife, and myself ). 
Later on XXXX, I tried to file the claim with Barclays but I was directed XXXX to file the claim ( Claim # : XXXX ) where I provided all available information related to medical conditions, medical history, flight cancellation, itinerary, flight tickets ect. It took several months to process the claim and after those several months of asking for the determination, I was notified on XXXX that that my claim is denied because that assumed it was preexisting condition that caused the illness that resulted in flight cancellation. I have tried to ask for further explanation and review but all I get is Undeliverable email message form my claim examiner. 
I have cancelled this card as of today XXXX to avoid any further fees and I asked for the refund of those cancelled tickets but it was denied.

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 2020-05-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
From the time i noticed negative remarks on my credit profile i have been sending letters asking to verify and validate this information with any documents showing my signature or identification and i havent received anything relevant to what i asked.

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