BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: Flagstar Bank, N.A.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a XXXX mortgage serviced by Flagstar Bank XXXX XXXX XXXX XXXX, XXXX, MI XXXX. My husband and I have struggled to pay our mortgage through the Covid19 Pandemic due to my job loss and subsequent income loss, and was able to put our mortgage payment on pause for 18 months. At the end of the 18 months, Flagstar Bank offered to do a mortgage modification with them, which we accepted around XX/XX/XXXX. Also, on XX/XX/XXXX, in anticipation of modifying our mortgage, we told Flagstar Bank representatives that the co-borrower recently changed his name, and that we have a court order to show that. They told us to upload it to their website, which we did in XX/XX/XXXX, and they told us they would change his name with this documentation, and then send us the proper mortgage modification documents to sign with the full legal name of the new co-borrower 's name. However, it has been 6 months now and countless phone calls with Flagstar Bank representatives and still the co-borrowers name has not changed on the loan to the new full legal name of the co-borrower as shown in the court order uploaded to Flagstar Bank 's website. Flagstar Bank representatives and managers have been telling us during countless phone calls since XX/XX/XXXX that the name will be changed, and the mortgage modification documents to sign with a notary will be sent to us. They have sent us 3 mortgage modification documents since XX/XX/XXXX, and each set of documents has the incorrect, old spelling of the co-borrower 's name on them. So the notary can not verify properly the co-borrower when we try to sign the modification documents. So now, here we are XX/XX/XXXX, and the co-borrower 's name is still not changed, and they decided to end and close the mortgage loan modification offer, and we are absolutely irate that we can not take this loan modification that they offered us with the interest rate they promised us, simply because Flagstar Bank will not change the co-borrower 's name to the official legal name as shown on the court order that we uploaded to them and confirmed that they received it in XX/XX/XXXX. We need someone to help us, because they are completely incompetent and we cant get them to proceed with the mortgage modification. they just decided to close the mortgage modification because they cant seem to figure out how the change the co-borrower 's name.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have XXXX accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-08
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX of XXXX I opened an Uber Visa credit card through Barclaycard US due to their great 4 % rewards program on fast food and restaurants. Over the course of about 2 years I have collected {$250.00} in rewards. In XXXX of this year ( XXXX ) with only a few months notice they changed their terms so that their rewards are only able to be cashed out into " Uber Cash '' which is only accessible in their Uber ride hailing app. This is massive change and is not at all what I signed up for with this account. 

I received only two notices, that were both flagged as spam and subsequently never read, on XX/XX/XXXX and XX/XX/XXXX. These unseen notices touted the benefits of Uber Cash while wholly downplaying the fact your earned rewards is now entirely stuck in their system. I never received any mail or postage alerting me to this change. I am now out over {$250.00} I earned for using their card because of this bait and switch tactic that was done without proper notice. 

After failing to redeem my rewards on XX/XX/XXXX I called customer support for assistance only to be alerted to this change for the first time. I was still under the impression nothing had changed with the card and had most recently used it for a food purchase ( given the former 4 % rewards ) on XX/XX/XXXX. 

I never signed an agreement agreeing to these changes. The only agreement I ever signed or affirmed was my initial contract for this credit card.

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 2023-12-16
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
your consent is required immediately We previously attempted to contact you regarding required verification. Discover Financial Services requires your consent to obtain income information from the Internal Revenue Service ( IRS ) to verify information on your account. 

If consent is not received promptly, Discover will close the account and report it as such to the credit bureaus. To discuss next steps, please contact Discover directly at XXXX, or call the phone number on the back of your card. 

Important : If you have already provided the consent requested and have not received any follow-up communication directly from Discover, there is no need for you to contact us. 

We appreciate your prompt attention and cooperation. 

Thank you, Discover Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase at Target in store XXXX Ohio. 
The items were on sale 2 / {$8.00} so I purchased 4 total to equal {$16.00} I was charged {$20.00}. 

Over charged {$4.00}. 

I did call customer service when I noticed last month. I was told wait until posted on my bill and dispute. 
Today I reached out trying to do just that but was put through a second verification. 
I declined after being verified by automated and then one live agent. A third verification was a little much. 

I didnt return to the XXXX Store it was 40 miles away from my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XX/XX/2022, {$37.00} purchased a XXXX tights online. The product was received brand new but defected. So I contacted the merchant and merchant confirmed item was defected. However the merchant refuse to provide a return. Thus I file a claim with Chase return protection comes with my credit card benefit. The item fits the description on the advertise site on Chase that eligible for return protection. I attached a copy of their benefit page with this complaint. 

The bank rejected my case by 2 reasons : 1, Your item was not received in like-new/good working condition. Which is false, the item is brand new. Since it is defect it would never be in going working condition, and it is the whole reason I file the claim. Also on Chase benefit website there is never mention anything about 'good working condition ' in the first place. 

2, Items purchased outside the United States are not covered. Which is also false, it is an US website charged me USD. Chase is saying the company is headquartered on XXXX. However, that make no sense and if it is the case then all purchases from XXXX, XXXX, XXXX, and etc. are all not going to qualify for this protection? I never purchase this item outside of US and there was no currency exchange involved. 

Chase is giving me invalid statements to reject my claim which they advertise they provide you 'return protection '. This is not acceptable. When their customer spends XXXX  and trying to use one of the protection they advertised they turn them away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : USDOEXXXXI Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-24
Company: MARINER FINANCE, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company sent a check in the mail to my home for around XXXX dollars. Easy monthly payments. But the interest was put on upfront. It was very confusing to me, balance now is over XXXX dollars. I suffered a XXXX so not able to work, self employed. I got in contact with a debt relief firm, But no final decisions at this time. I have been called numerous times a day from personal finance co. Even after telling them I was in debt relief and giving them the info. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested a mortgage modification several times the last past year with my mortgage servicer Select Port Folio. They have been unwilling to work with me to save my home from a property foreclosure sale. There is a sale date set for my property XX/XX/2019. 
I've recently submitted another request for mortgage modification Please assist me with retaining ownership of my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I hope this letter finds you well. I am writing to bring to your attention the recent resolution of a matter regarding my mortgage account with Carrington Mortgage. I believe that the circumstances warrant a request for the removal of late payment entries from my credit report. 

I want to express my gratitude for the opportunity to address a temporary financial setback that led to some late payments on my mortgage account with Carrington Mortgage. I am pleased to inform you that I have successfully brought my mortgage payments current, and all outstanding amounts have been settled. 

Given this successful resolution, I kindly request your assistance in facilitating the removal of the late payment notations that were reported to the credit bureaus during the period when I was catching up on my payments. I understand that these late payments may have had a negative impact on my credit history, and I am eager to restore the accuracy of my credit report to reflect my current financial status. 

I have been a responsible homeowner and borrower for [ number of years ] and have consistently met my financial obligations. The recent setback was an anomaly, and I am committed to maintaining a positive payment history going forward. 

I have attached documentation that supports my claim of having brought my mortgage account up to date. This includes evidence of recent payments made to Carrington Mortgage, as well as communication acknowledging the resolution of the past due amount. 

I am hopeful that the Consumer Financial Protection Bureau, with its dedication to ensuring fair treatment for consumers, will be able to assist in this matter. I understand the importance of accurate credit reporting, and I believe that the removal of these late payment notations would better reflect my current financial responsibility. 

Thank you for taking the time to consider my request. I would greatly appreciate any assistance or guidance you can provide to facilitate the removal of the late payment entries from my credit report. Please feel free to contact me at XXXX if you require any additional information or documentation. 

I look forward to a favorable resolution and appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 we contacted our mortgage company ( PHH Mortgage Corporation ) to inquire about re-financing our existing mortgage. We have been paying on the existing 30 year mortgage for 19 years and wanted to get out some of the equity to pay off some credit cards. The remaining balance on the mortgage was {$120000.00} and we wanted to get {$25000.00} out after re-financing. Also to get a lower interest rate, since we have been paying 5.75 % for 19 years. After providing all of the requested information over the phone the representative submitted the information for preliminary underwriting. She indicated that it did not pass but could not provide the reason. Initially she thought it was related to the debt to income ratio. But after eliminating debt to income as the reason she re-submitted it, and it still did not pass. She could not give the reason. 

I asked if we would receive something in writing explaining why it was denied. She indicated that we would receive a letter through their secure portal with the explanation. On XX/XX/2020 the Statement of Denial appeared in the portal with only one check mark checked under the category " Other '' it said " Credit application incomplete ''. We provided all the information that was asked of us. We allowed her to pull our credit files and do verification of employment. We have never made a late payment on the existing mortgage. In the absence of any other explanation, I'm left suspecting that we were denied because we indicated that we were of XXXX XXXX  descent. We hope this is not the case, and that your agency can get a reasonable explanation for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: NY
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 personal information must have been compromised consider what I came across as I checked my credit file I am heartbroken to see what has become of my credit this feel like the last thing I can try to do to get this issue resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
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:
From the reporting company stating that no further action would be taken with out evidence being submitted. This is not right at no point was there any information received indicating that an investigation was completed but then your company sends this response that nothing will be checked into with out proof/evidence? Your company just blatantly broke the law which states that when information is requested that the credit reporting agency needs to investigate and resolve. Now with evidence that your company broke the law the items need to all be deleted. This is completely 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: Resurgent Capital Services L.P.
State: NJ
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:
In accordance with the Fair Credit Reporting ACT Resurgent Acct # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there was several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me were not associated with me and I have no idea what these negative items are about.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-08
Company: Synergetic Communication Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, My name is XXXX XXXX XXXX, I have received a letter from Synergetic Communication Inc, about a dent with XXXX XXXX XXXX, which i have never request a loan to this ban, i have sent a dispute via mail ( I am including Documentation to you as attachment ) Also in the letter, my name is wrongly with them they have XXXX XXXX XXXX, which i don't have middle name on my legal name! Who ever stole my identity did't know my real legal name! Please help me with this scam collecting company to explain this is not my debt and have never get money from this bank!! 
also on Credit report with the 3 credit bureaus this collection DON'T SHOW! So its something weird on this collection as scam! 

Thank you so much! 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation