BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a service member in the XXXX XXXX on XXXX XXXX and I am writing this letter to explain in detail the history and circumstances leading to the current default on my mortgage. According to the last statement I received from you, I currently owe {$71000.00} and my Escrow Balance is $ -XXXX. 

In XX/XX/XXXX, I had a XXXX XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX, CA which reduced our income by {$1500.00} per month while still under XXXX  XXXX XXXX as our Mortgage lender. In XX/XX/XXXX, my mortgage was transferred XXXX XXXX and by that time, my family was struggling to make mortgage payments. Around the same time, a significant change in property taxes increased the monthly payment by approximately {$300.00} per month. The change was due to registration of STAR program which was not processed properly by the municipality. Ultimately this was corrected but not before adding to the financial burden my family was already experiencing. 
We continued to make partial payments while attempting to keep our default to no less than three months while exhausting most of our savings in the process. In XX/XX/XXXX, we were instructed XXXX to request for loan modification and to stop making payments until that process was finalized. We were then approved for a loan modification about three months later. Our trial payments were for three installments of {$2300.00} due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX did not accept the final payment because it was not made on time and returned those funds to us. That put us right back to square and owing far more than 180 days in mortgage payments. We have not made a payments since. 

We made four attempts at Loan Modifications in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XXXX XX/XX/XXXX in an effort to bring the account current. All of these were submitted and denied by XXXX 30 days after they were submitted. Each time, XXXX concluded that they were unable to reduce the mortgage amount and that I did not qualify for any of the modification options available. 

I am asking for an opportunity to make things right and restore my mortgage account back to current status and to remove this financial and emotional burden on my family. I am hoping that you can provide some options that will help me accomplish this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX**** ( Original Creditor : XXXX XXXX XXXX ) XXXX**** XXXX XXXX**** Hard Inquires Type of Business Date of inquiry Credit Bureau XXXX  - XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX  XXXX   Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX  XXXX XXXX  AND XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX TransUnion If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2020-07-10
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Cease and desist sent XXXX XXXX, 2020 and certified as delivered to debtor on XX/XX/ 2020 was violated by repeated, harassing phone calls on XX/XX/2020 ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a prepaid debit card for a purchase I made from XXXX XXXX. The card is from XXXX and seems to be issued by XXXX ( in conjunction with Blackhawk Network ).

The card was misplaced and when I found it, it had expired about two months previous. When I tried to activate the card, it said it was expired, so I'm trying to get a new card. The card may be expired,  but the funds are not ( as it clearly says on their website ). I am unable to log onto the website to request a card, and their automated voice system also declines any attempt to access it. 

I would like a new card. This is the agreement on their website : XXXX XXXX XXXX   Specifically this section : Post-Expiration Card Issuance Fee The Card will expire on the date on the front of the Card. However, the funds do not expire. After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance. The Card must have a remaining balance in excess of the card issuance fee to be eligible to request issuance of a card. For specific card issuance fees please see log in or see below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received debt collection letter from Hillcrest Davidson on XXXX for {$220.00}. 
This is a false billing. I had alarm services from XXXX XXXX for several years for which I paid them hundreds of dollars. In XX/XX/XXXX I emailed them and asked them to discontinue services. I received no response. In XX/XX/XXXX my credit card company stepped in and called the company.The credit card company was told I couldn't cancel service. The credit card company arbitrated the dispute and decided to cut the billings off. I called XXXX to discuss, and their rep lied to me saying he had no supervisor. He told me I could not cancel service. There is no signed contract. XXXX made numerous calls including from phantom phone numbers to get me to pay for services which they did provide and I told them did not want after the credit card company arbitrated in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2021 I attempted to unfreeze my credit report from www.transunion.com. On the customer log-in screen there is now five different options to log-in or create an account. Two of the five options charge the consumer. Those two options are " Credit Monitoring '' and TransUnion Plus. There is no indication at this log-in screen that two of those options are going to cost money. It is extremely misleading to the consumer and the fact that every American must have access to their consumer credit report. This is incredibly confusing and designed this way on purpose to generate money. There is no supervisor available during two calls where I tried to contact them. My reference number with TransUnion is 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 2020-06-04
Company: LendingUSA
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: Account status incorrect

Complaint:
In reviewing my credit report, I noticed a 30 day late payment reported for XX/XX/2020 which is incorrect. I had contacted XX/XX/XXXX for a forbearance and was granted it and was to receive a document to sign and return. Due to technical issues, I received the letter late but ultimately signed it and returned it. After calling, I was told that there is no payment history on their end being reported for XXXX & XXXX off XX/XX/2020 however I am showing a 30 day late payment after being granted a forbearance for XXXX and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Square Inc
State: MI
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:
On XXXX XXXX my cash app card was negative XXXX, when before I had XXXX $ in my account. I reached out to cash app support but they did little to nothing. They told me to wait up to 45 days to let them investigate the situation. I understand that its a lot to do but I really dont have a lot of money to just wait. When the person who took my money quickly took the money out of my account. The city of XXXX is really going through a Great Depression on when its little to no work. Everyones out of work until they make the new vaccine mandatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I can't get a credit report online it keeps saying and there are a few accounts on there that I need to dispute. Also it has an address listed that I never lived at and this address is on my credit report as a mortgage I opened which I never did.Thank you,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have submitted multiple complaints with FTC and bureaus and talked to company directly to inform them that it looks like a fraud was used to obtain the accounts under my name ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: WELLS FARGO & COMPANY
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wells Fargo has charged me over {$150.00} on overdraft fees when the cause the overdraft by reversing a credit that they have given me : Ref : XX/XX/19 for  {$120.00}. After giving me the credit, Wells Fargo again snatched back out of my account without warning - no heads-up no let just took my money and gave it to their merchant who was one of their banking clients. Just today, Wells Fargo charged me an overdraft fee of {$35.00} for a purchase I am unaware of : Posted Transactions XX/XX/19 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$27.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX {$35.00}. 

This is blatantly unfair that wells fargo do not have balanced their books properly or fail to do so ... .telling me that I have X number of dollars available and then sock me with an overdraft fee. The last four numbers of my non-profit business account Account number XXXX. Wells Fargo has unlawfully paid wrongly merchant approximately {$2000.00} over the last 2 years from my account. Please do your job and stop this thief bank from stealing money from me.

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 2020-07-25
Company: SYNCHRONY FINANCIAL
State: WA
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 COMPLAINT IS IN REGARDS TO PAYPAL! FOR THE PAST 3 MONTHS I HAVE BEEN TRYING TO GET IN CONTACT WITH THEM FOR MULTIPLE FRAUD CHARGES AND ITEMS NOT RECIEVED CHARGES ON MY CREDIT/. BANK CARD. EVERY DAY XXXX CALL AND CAN NOT GET ANYONE. THEY SAY TO EMAIL THEM ABOUT MY ISSUES SO I DID AT LEAST 5 TIMES AND GET NO RESPONSE BACK FROM THEM! I HAVE SO MANY FRAUD CHARGES AND ITEMS NOT RECIEVED ITS CRAZY! PLEASE HELP 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 2020-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

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 2019-02-26
Company: EQUIFAX, 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:
In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a traveling computer consultant. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX XXXX ) as an authorized user. She called and did so. I used the card until XXXX at which time I returned the card to her with no balance. 
She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit.

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Compliant filed against BB & T, complaint # XXXX that was sumitted to CFPB on XX/XX/XXXX, but BB & T has merged with Suntrust and the new name of the bank is Truist. 
It is my belief that Truist Bank, knowingly serviced this accounts for XXXX XXXX who I feel are practicing questionable and possibly predatory lending practices. 
Truist bank has filed a Lis Pending on the behalf of XXXX XXXX and itself against % 50 interest in property that was purchased under Joint Tenancy that was collateralized without consent. 
If is my belief that XXXX XXXX, dealings in XXXX was extremely questionable and predatory and their lending practices should be investigated by all proper government agencies who are willing to sift through the maze of paper work to come to a just a fair conclusion concerning this matter.

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 2021-02-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a home mortgage with Chase and have received several offers from them to refinance at a lower rate. I decided to pursue their offer and filled out an online refinance application. I was soon contact by one of their mortgage specialist, XXXX XXXX, who went over the process and documents that I would be required to provide for the application process. She also told me they would need to charge {$500.00} to my credit card to proceed. I have her permission to do so and promptly uploaded all requested documentation. Several days later XXXX contacted me and said the also were going to require that a provide internal financial statements and tax returns for an XXXX that I have minority ownership of. The corporate board will not allow me to share that info and a relayed that to XXXX. She said the would not be able to proceed with the the refinance application and I said ok refund me my {$500.00}. She now refuses to do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27
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 ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: MD
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:
For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX for {$180.00} These do not belong to me, have the bureaus take them off please.

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 2023-10-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX

Company response to consumer: Closed with explanation