BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/XXXX, I started submitting all requirements for Loan Modification to XXXX XXXX, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. 
I was requesting for their XXXX in-house Homeowners Assistance Program Evaluation Summary that they sent to me last XX/XX/XXXX and until now appealing XXXX to follow the right Federal Home Affordable Modification Guidelines. The right determination on the Evaluation summary indicates that on the Loan Modification Agreement should be FIXED RATE NOTE and not Adjustable Baloon rate, where the rate is fixed on 30 year loan ; the only change in our payment would result from changes in my taxes and insurances. Its not acceptable the BALOON NOTICE of {$180.00}, XXXX after XX/XX/XXXX. The way XXXX modified my Loan is illegal and not under the Federal Home Affordable Modification Guidelines. 
XXXX is trying fully vesting in & entitling me to unapplied amount Principal balance of {$80000.00} that XXXX have to Deffered my balances eligible FULL FORGIVENESS of DEFERRED PRINCIPPAL REDUCTION amount and NOT BE REDUCTION only for 1/3 %. I respectfully request that the loan be modified from their 20 year term to a 30 year term or 40 yrs, the interest rate be reduced to the current 20 year market rate and the payment should be adjusted accordingly. The very minimal reduction in payment in XXXX HAMP modification they did for me is not acceptable or affordable. It has to be re- calculate into FIXED RATE NOTE and not Adjustable Baloon Rate. 
I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated from XXXX XXXX Mortgage servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request now in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with XXXX XXXX requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. XXXX XXXX have not dealt to me in good faith until this moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
THE COMPANY IS XXXX XXXX. WE CAN NOT FIND A NUMBER TO CALL THEM. WE CALLED XXXX XXXX AND TOLD THEM THAT WE DID NOT AUTHORIZE THIS CHARGE. WE THEN DISPUTED THE CHARGE ONLINE ON OUR ACCOUNT FOR THE {$99.00} CHARGE WHICH THE BANK CHARGED BACK TO OUR ACCOUNT LATER. WE THINK THAT IF WE TELL OUR CREDIT CARD BANK THAT WE SHOULD NOT BE CHARGED, THAT THEY SHOULD DEMAND THAT XXXX XXXX PROVE THAT WE AUTHORIZED THE CHARGE!

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 2019-04-23
Company: Experian Information Solutions 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.

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 2018-02-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is reporting a fraudulent Bankruptcy on my credit file. Bankruptcy # XXXX is a fraudulent Bankruptcy that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the public record from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this bankruptcy was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a collection account on XXXX, XXXX and Equifax from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Trusit XXXX Checking account online in early XXXX with the offer code XXXX. When I applied I wasn't instantly given an account number or routing number to begin funding an using the account. See attached for what was displayed and note in top left it shows the promo code was applied. After not hearing anything for a few days I called in to get my account and routing info. I was connected with someone and verbally confirmed the promo code was still applied. By XX/XX/XXXX I funded the account with {$50.00} to meet the opening requirements. I then set up my direct deposit from employer and they deposited over {$4000.00} across XXXX deposits on XXXX and XX/XX/XXXX. Meeting terms and conditions of two direct deposits totaling over {$1000.00}. Per terms and conditions it stated the bonus could take up to 4 weeks to post once the direct deposits were met, after 4 weeks and receiving nothing I called to check status on XX/XX/XXXX. I had to speak with a manger for them to understand the promotion, they confirmed with me the promo was applied and I met the terms. That manager opened a ticket to see why the bonus hasn't posted. After not hearing back for XXXX  months I called XX/XX/XXXX and used chat function and now they informed me the code was not applied. I showed the image attached that it was applied and they told me it was not... I attached the terms and conditions as well.

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 monetary relief
Consumer complaint received 2018-05-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
THIS HAS BEEN AN ON GOING ISSUE WITH XXXX XXXX. MY ACCOUNT WAS CHARGED FOR SEVERAL TRANSACTIONS THAT I NEVER AUTHORIZED AND I HAVE NO IDEA WHO THESE COMPANIES ARE AND NEVER DONE BUSINESS WITH ANY OF THEM.. I WILL LIST ALL DATES AND AMOUNTS ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX I CALLED XXXX XXXX AND THEY ARE ACCUSING ME OF MAKING THESE TRANSACTIONS AND I NEVER DID. I DINT OWN A TIMESHARE AND NEVER DID. PLEASE HELP ME GET MY MONEY BACK PLEASE. IM A SENIOR CITIZEN AND THIS IS SENIOR CITIZEN ABUSE.

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 2021-05-25
Company: Klarna AB
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Klarna rep XXXX reffered a issue of klarna merging a unknown balance on to my account and was told that this required a speacilist team more than 30 days went by and no speacilist had contacted me. Tried to message klarna and was told I was reported to collections. Under the FRCA, and Fair Debt collection practice act. a account balance In dispute does not constitute going to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see complaint XXXX The company has not fixed our credit and did not remove the negative 90 day late payment reported through XX/XX/2017. 
We have never made a late payment. Our loan was transferred and they incorrectly reported to credit agencies a 90 day late payment. We were in forebearance and have never made a late payment. We were blocked from making payments until they removed the forebearance. Once they removed the forebearance, this erroneous 90 day late payment was recorded in XX/XX/2017. Please remove the XX/XX/2017 90 day late payment from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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:
This is the 3rd time I have filed a complaint and I never got a response back over inaccurate account appearing on my credit file. 
The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX   XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2018-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated   and I never graduated from college. Please review and remove this inaccuracies from my credit file.

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 2018-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I paid a settlement amount and received a satisfaction letter, but have not received satisfaction of judgment. They have been promising to send it since XX/XX/2018. I have turned in notice that I am moving to my apartment complex on their word that they will send it. Now, I run the risk of being homeless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hi, I previously filed a complaint with the CFPB ( XXXX ) and it was closed in my favor ( please see attached ). This week, the bank reversed the {$810.00} credit ( please see attached ). 

I thought this was finally resolved and I think it's unfair for a decision to be reversed after it was resolved. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Home Point Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have been separated since XXXX and we hold title to our home jointly. She just recently filed for a chapter XXXX bankruptcy and it was XXXX this month. All while this was going on I continued to make payments on time and was told there would be no issues as long as I made the payment. I belong to a credit reporting company and saw that my credit dropped significantly so I checked and XXXX XXXX reported I was 30 days late so I got on their website to check this out because I had not missed any payments, I noticed they were also charging me legal fees of {$740.00} and a filing fee of {$180.00} for my wife 's bankruptcy which I was never notified of either. Spoke to them and they are supposed to fix the credit violation they said it was their error but as far as the charges go they said someone had to absorb the legal fees and filing fee and that my monthly payment would change to absorb those fees. I spoke to a local bankruptcy attorney and he told me he had never heard of such a thing occuring. The only help I received from XXXX XXXX was that I was given an email address to contact them that came back undeliverable. Why when I was on the phone with their customer service representative? Everything that I have read is that this is not legal. Looking for answers because I cant get any from them and nor do I trust them. These charges were added to my account XXXX and the missing payment they reported was XXXX. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reported this debt twice with the credit bureau and both times the company responded that they were reporting the debt correctly. The second time I submitted a copy of my bank statement showing the money was deducted from my account on XXXX XXXX, 2017 but they are still reporting unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries were made by the following companies : Inquiries : 1. XXXX XXXX on XX/XX/2021 2. XXXX XXXX XXXX on XX/XX/2021 3. XXXX XXXX on XX/XX/2021 4. XXXX XXXX  on XX/XX/2021 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need my previous address delete immediately because I never live there

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 2020-08-24
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TCF Bank updated their computer systems and now I can not access my bank account online. I get my statements online so I have no visibility to my account. There is now a verification code being text to a phone number that is not mine. I have spoken with customer service and they have logged a ticket with IT. It has been five business days now and I still can not access my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted the mortgage company approximately 2 months ago requesting assistance with paying my mortgage, since I had recently become unemployed. I provided all the requested information on XX/XX/XXXX 
They requested proof of being on unemployment, which was provided. They then requested the same information two or three times, extending the process. I was informed that in order to be approved, the mortgage had to be in current standing. So, I have really struggled to keep the mortgage current while awaiting the approval for assistance. 
I received a letter finally on XX/XX/XXXX. It stated that M & T Bank had received the additional information which was requested in order to complete the Loss Mitigation application. They stated they were in the process of reviewing the documents to determine if I qualified. 
I made a call into M & T this afternoon just to check that they had all the documents they had requested, and was informed that they had denied my application due to the fact that I did n't have a job. Well, yes, THAT was the REASON I was asking for assistance. They have offered no other options. I am at a point where I can not pay next month 's mortgage, which puts me in fear of not qualifying for assistance once I send in a request for review of the denial. 
I am flabbergasted that the programs designed to assist the homeowners when the times are temporarily difficult, would be unavailable due to the lack of income. If I HAD my job, I would not be asking for help!

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