BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, im writing to you because im very frustrated with my mortgage company it is now over 3 months since i reached out to them because my income changed drastically due to COVID-19. 
Now my mortgage company is telling me who is XXXX  XXXX  that i don't qualify because my investor feels that i don't deserve a loan modification because im not behind with my mortgage payments.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I applied for a refinance loan with Bank of America. I was told that I could not be approved because I am retired and only have limited income. Bank of America did not consider that I have over {$1.00} XXXX in cash & stock assets. I explained that I withdraw {$3600.00} a month from my savings to cover expenses. And, in three years when I am XXXX I will receive {$3700.00} a month in income. Bank of America did not consider that, if needed, I could draw social security at any time. Bank of America did not consider that I could draw from my 401K at anytime and can withdraw from my savings at anytime. Since most retirees live on their savings ( that's why we save for retirement ) I believe Bank of America 's policy amounts to discrimination on the basis of age - over 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 2023-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 purchased a casket online from a merchant called XXXX XXXX XXXX XXXX on XX/XX/XXXX because my husband passed away the week before. The casket showed up broken on XX/XX/XXXX when the funeral was the next day. The merchant admitted by text that the casket could not be used and he would refund me. 

The funeral home sent a letter with all the details of their account as the casket arrived to them damaged and couldn't be used. I sent pictures of the broken casket to the merchant and all of the documents, text, and pictures to Capital One. 

The cost was {$2400.00} for the casket. Capital One gave me a credit on XX/XX/XXXX bit then charged it back again on XXXX. I told them that I wanted to dispute the charge again and they said that the case was already closed and there was nothing they could do. 

This time was difficult enough with the passing of my husband but to have Capital One deny this dispute with all the information that I provided during this difficult time for me, it seems that they are taking advantage of an elder woman when she is already beat down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase Freedom Unlimited card sent me multiple emails advertising that if I referred a friend I would be able to receive XXXX dollars per referral up to XXXX dollars. They provided a link in the email and stated if the referred friend used this link to sign up, I would get XXXX dollars. I sent the link to a friend who then signed up for chase unlimited using the link ( this was sent over text message and he still has a copy of this link in his text history ). My friend told me that the process was pretty self explanatory after clicking on the provided link I gave him. I called Chase 2 months later because I had not yet received the XXXX dollar promotion. They told me that my friend had to use the card for 3 months before the promotion could be given to me. I then called back about 2-3 months after that ( 4-5 months after my friend had opened the card ). The woman at Chase told me there was no record that my friend used the link I had provided to sign up for his credit card. She told me the promotion was an automated process so there was nothing she could do to fix it. She told me that my friend must have used the link incorrectly so that is why I did not get the promotion. She said unfortunately I would not get the promotional deal because there was no proof of the referral. 

I attached screen shots of the link that I sent to my friend back in XXXX of 2022. 

The link for the promotion : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called Credit Control Corp and explained that this account was opened fraudulently by my estranged spouse. This account was opened 2 days after I left for XXXX basic training. I could not have opened this account for myself. The address in which the internet and cable company was listed as my estranged spouses address. They told me on XX/XX/2019 that they were going to take care of this account. It still remains on my credit file. I attempted to call them on XX/XX/2019 and began speaking to someone and then was hung up on. I could not reach them after that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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/21 I filed a FTC report. On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2017-07-04
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 am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, Tranunion, and XXXX against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED 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 2023-08-31
Company: Aspen Yo LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Recently, Gregory Funding had increased my Mortgage payments almost by a 100 %. I underwent XXXX XXXX in XX/XX/2022 and had a major setback in my health particularly my mental health. I had to relearn many thinks including speech. I am the sole person that handles my family affairs and this setback caused a major financial hardship for me. To make matters worse, Gregory Funding has doubled my mortgage payments to over {$1300.00} from $ XXXX monthly. The increase in mortgage is partly due to an error in my escrow account. Gregory Funding had allowed two insurance companies to bill me for home insurance. I have send a notice of error letter to demand and investigation to review this matter. I haven't heard from them even after bringing it to their attention months ago. Currently, I receive military XXXX and Social Security and is on limited funds. Have a just recently missed a few payments and Gregory Funding is quick to submit my mortgage for Foreclosure without offering or giving me the opportunity for Loss mitigation. My Balance is around {$80000.00} on a {$660000.00} value home. They seem very eager to take an advantage of me and foreclose my home during my time of hardship. The servicer has not informed me in writing about loss mitigation options that might be available. They are adamant about moving forward with foreclosure. You help in this matter will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: GA
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:
THESE ACCOUNTS ARE NOT MIND THERE ARE FRAUD ACCOUNTS AND I CONTACT THE CREDIT COMPANYS AND THERE STILL SHOW ON MY FILE IN NEED THESE ACCOUNT REMOVED ASAP. 


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

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 have on requested documentation of the information each credit reporting agency used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded stating they do not understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 3 separate requests were submitted to each company ; one in XXXX, one in XXXX, and one in XXXX of 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 2018-10-08
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:
Called Transunion to remove Fraud accounts. Was given a extreme hard time over the phone. Transunion has been informed since XX/XX/XXXX with a police report and FTC Affidavit of the identity theft. They promised to lock my report since then to prevent any more Fraudulent accounts. 

Now I have more fraudulent accounts, names, and address on my report! I called them to get this removed just like I did with XXXX. I was told this would take 30 days! this is absurd! I have given all the apocopate documents showing the theft of my identity in detail. 

Reference # 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 2022-11-07
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 balance has not been updated since XXXX. It has ruined my credit score and my ability to get a good mortgage. It takes weeks for a response and people in customer service XXXX XXXX XXXX XXXX. It's been a nightmare. I'm thinking about getting a lawyer at this point. It's unfair. Bread Financial doesn't give a damn about its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have created an account with Experian a while back to investigate the significant negative dips in my credit history. XXXX I was in a hole. By XXXX a landed a much needed stable job, and started to significantly increase my credit score. When I created an account with experian I had noticed 1, or 2 accounts that were closed and reported paid. But yet it was continuing to negatively hit my credit rating. I disputed and asked them to step in but in return I recieved generic responses and offers to sign up for premium services to better find resolutions XXXX and XXXX that is used directly to one of my banks shows substantial differences in my FICO- close to 60-80 points. Experian dips heavily into the negative score and when I do my research to try and reference- the other credit reporting agencies it just doesnt add up. Im creating this ticket to help find out why and if Experian is falsely deflating my credit score, as Experian will not provide correct information to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: WELLS FARGO & COMPANY
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used XXXX through the Wells Fargo mobile app to transfer {$400.00} to a seller on XXXX for tickets. The seller was a scammer and never transferred the tickets. When I filed a claim with Wells Fargo, they claimed there was no redress because I authorized the transfer. 

However, there are few reasons why Wells Fargo should be responsible and reimburse me for the loss : - The XXXX function is fully integrated into the Wells Fargo app and website, which makes it look like it is part of the bank and not a third-party provider. 
- By trading on consumers ' trust and confidence in Wells Fargo, XXXX makes it seem safe to transfer funds using its service. 
- Based on this integration, a consumer would have a reasonable expectation that XXXX comes with the same consumer fraud protections that other payment methods through the bank have -- such as paying with a check, credit card, or debit card. 
- XXXX asks for the recipients name and phone number -- this makes the consumer think that the bank is checking to see if the recipient 's bank account matches the recipient 's name and phone number. But that can't be the case, because the scammer was impersonating someone. 
- Both Wells Fargo and the recipient 's bank have Anti-Money Laundering/Bank Secrecy Act requirements to " know your customer '' but it does not seem that either bank is conducting any due diligence to ensure that the recipient is who s/he claims to be. 
- Even though I have now found many articles online warning about XXXX scams, Wells Fargo has no warning about these scams to users. If you know that a payment system is being exploited by fraudsters, you should have some information about it on your website. 

I understand that Wells Fargo views XXXX like a wire transfer and therefore they claim to have no ability to return the funds. However, I believe that Wells Fargo bears financial responsibility for hosting a payment system that is so easily exploited by criminals. Even if Wells Fargo has to pay for the refund itself, it should have to internalize the cost of the risk of scams that it exposes its customers to. The relationship that a customer has with his/her bank is totally different from the relationship with an unknown payment service provider. I would not have used XXXX if I had understood how it works and how little protection there is. 

If Wells and other banks had to take responsibility for scams through XXXX, they will have the incentive to try to stop these scams. If they refuse to take responsibility, customers will lose confidence and trust in their banks.

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 2023-07-03
Company: Credit Karma, LLC
State: NY
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:
I have several cards that have been reported stolen and used by pay by phone debits I haven't authorized XXXX nor credit karma and XXXX.to my refunds they never sent me a check either. This dates back to the last two years. They informed me I would be receiving my account funds immediately then said I had to go to the merchant for verification and never received anything. Totaling over XXXX. I made several complaints to the companies I also filled out a form with the police. I think it's a fraud scam being ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: TX
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:
Equifax is reporting a second account as a charge off that I never opened from XXXX. My one and only account with XXXX was paid and closed. I have tried disputing several times as not my account, incorrect payment information as well as dates wrong but Equifax keeps only updating information on that account. I was able to have this second account from XXXX deleted from the other credit reporting agencies but Equifax will not delete it and they will not show me proof of how they verified this information. There is no proof of me opening a second account at XXXX. The charged off XXXX account is a false account or created in error and it is illegal for them to keep reporting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation