BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Flagstar stole my home!! The company approved for me to sell the home multiple times to avoid foreclosure after I lost my job. I had a closing date and moved it several times after they came up with excuse after excuse to keep me from selling the home. Now I have a foreclosure on my credit. The company acted in bad faith with high interest rates, fees, and lies over the phone about helping me to keep my home.

Flagstar approved the sale of my home in writing to avoid foreclosure. Then they sent multiple letters saying documents were missing. The same documents were sent multiple times. I experienced multiple delays and was promised that everything was in order right up to the day of foreclosure. They approved and then disapproved the real estate agent without explanation. I asked to appeal and they said they would have someone call me, but they never did. So, I got a new agent and they said they were processing approval for the sale to a different buyer, then delayed and never processed. Even though customer service said they did, nothing was done. I spoke to agents, supervisors, and everyone I could to no avail!

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 2018-02-25
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:
I sent a certified letter, faxed a letter and made a phone call to Experian concerning incorrect information on my credit report. I explained to them certain hard inquiries on my Credit report are not mine and Requested them to be deleted because it is making it very difficult for me to acquire credit. Experian refused to do so with no proof. The hard inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible Thank You 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 2018-08-27
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018, I opened a premier checking account with Valley National Bank that offered a {$200.00} bonus with qualifying criteria. It has already been 90 days and i have had my direct deposit in the account, yet the bank has not issued the promised bonus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-25
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found two late payments on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THEY ARE CONTINUING TO SEND ME BILLS FOR AN ACCOUNT I SETTLED ALMOST A YEAR AGO TO GET ME TO PAY IT AGAIN. THEY REPORTED TO CREDIT BUREAU AND DROPPED MY SCORE. I DISPUTED AND THEY CONTINUE TO REFUSE TO RESOLVE THE ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX I went into a chase branch to get money out the atm and was not able to. Its XXXX and chase tells me I have a legal hold but cant tell me anything else like who is the entity that has the hold. They tell me to call back. They dont know how long its going to take. All my account are on hold with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: BARCLAYS BANK DELAWARE
State: FL
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:
So called lender is in direct violation of U.C.C. ARTICLE 3- 3-501 ( b ) 2 ( 1 ) 1. A statement admitting whether you are the holder in due course or whether you are a servicer.

2. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization.

3. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to.

4. The CUSIP number under which my loan was securitized to.

5. Make available for visual inspection my original wet ink promissory note ( not a photocopy ).

) Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.

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 2020-07-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo reached out to its mortgage customers at the start of the Pandemic and in a flick of a button deferred my two mortgages for 3 months AND that the payments would be moved to the end of the loan. Now I have started receiving messages to call them or go online and tell them how I want to catch up and my payments are showing past due on the online banking site. I have tried to call again and again. I have been on hold for 52, 55 minutes listening to a message every 30 seconds that someone would be available shortly to help me. At the 50 plus minutes mark, they disconnect the call and instruct the customer to call again later. 

Their promise was that these payments would be moved to the end of the loan and that is what I expect to happen NOW.

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 2022-02-01
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had reserved a car through the XXXX website and was charged {$80.00} on XX/XX/XXXX. I went to the XXXX to pick up my rental car but didnt meet the requirements, which were I had to be XXXX XXXX XXXX or have a credit card with a balance greater than {$300.00} if I was under. I was XXXX and only had a bank card and so I had to cancel my reservation because I dont own a credit card and ask for a refund and was told to contact XXXX XXXX I called XXXX and told them what happened and was approved for a refund by the supervisor and it would take XXXX business days. Shortly after on XX/XX/XXXX they said they would contact XXXX and get my refund, then a day or XXXX after they email me again saying they could contact XXXX and so my refund was denied. XXXX was never responsible for my refund as they never charged my card only XXXX did and so I contacted my XXXX support and reported it. After a week or so I was given provisional credit as they investigated and then yesterday XX/XX/XXXX I was told XXXX had been awarded the claim and they would take back the {$80.00} provisional credit. I had emailed them proof and my sister was theyre that day I was on the phone but they still didnt refund me for a service I never received and kept my money blaming XXXX that XXXX nothing to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have had a long-standing dispute with XXXX XXXX over my Guitar Center credit card ( account number ending in XXXX ). In XX/XX/XXXX I filed a complaint with you. Please refer to CFPB case no. XXXX. This case is NOT closed to my satisfaction. Synchrony continues to overcharge an account that to my best knowledge and ability should be paid in full. I don't know where the discrepancy originated, but one problem is that Synchrony has records of only three refunded purchases whereas I actually had five. Oddly, both Synchrony and I have records of my account activity, records we both say are directly from Guitar Center. But Synchrony 's are missing one purchase and two returns. And I must add, my GC records predate Synchrony 's by about two years. Yes, I have copies of all these, which were handed to me -- twice in XX/XX/XXXX -- by a GC manager after he researched my entire account activity on his system. On my two visits to this store, in XXXX and XX/XX/XXXX, I was given all of my GC account information -- in hard-copy documents, including transaction numbers, dates, and both purchase and refund amounts -- and this information was consistent to the penny both times ( accounting for my intervening payments ).  Most important, this information also accorded with my own knowledge of what purchases and returns I had made. So, based on this information, I continued making payments on this account until the balance GC showed me was paid. 

Somewhere, somehow, the communication between Guitar Center and Synchrony has failed to accurately track my purchase and return activity. Synchrony refuses to consider this possibility and stands by its own flawed record. 

Now, what's worse, Synchrony has turned my account over to a debt collector, and the reports of delinquency sent to the credit bureaus has made my XXXX credit score plummet from over 800 to XXXX! It is not fair that a financial institution can so easily destroy my financial life while I seem to have no recourse. If this matter involved thousands of dollars, instead of hundreds, I would file a suit against Synchrony, but as it is, that would not be financially practical for me. 

I would just like to point out that, if our situations were reversed and I was the one with a record of only three refunds while Synchrony showed five, NO ONE would reasonably claim that I was likely to possess the more accurate account of the two! The obvious question should be, Where did the other two transactions come from if they're present in only one set of records? And yet Synchrony has made no attempt that I can tell to address this question.

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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 two unverified accounts that I have already file a complaint about the inaccurately. 
XXXX XXXX XXXX, XXXX XXXX XXXX. I have some issues also with inquires that are not mine Please delete : XXXX XXXX XXXX, XXXXXXXX XXXX  via XXXX, XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX via 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 2019-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio Recovery Associates wish to sue me in court for unpaid debt for which I do intend to pay. The court due date is XX/XX/XXXX. However I can't come to court due to the fact that I can't risk leaving my elderly mother alone in the house. She's suffering from XXXX XXXX XXXX XXXX, so it wouldn't be wise to leave her alone. My other complaint is that Portfolio Recovery Associates is charging me twice as much as what I actually owed to the original creditor. I actually owe {$300.00} but they're charging me {$690.00}. I only make {$600.00} a month from my pension so it's going to be a tight squeeze on my budget. I was wondering if it was legal for them to charge twice as much?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: MD
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 FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 3 credit card accounts that I accumulated late fees due to XX/XX/XXXX XXXX making my payments late. Two of these waived the fees and I thought that meant it was WAIVED period. I then deducted the fee amount and paid the balance required for the month. I contacted all 3 and the 2 I tried resolving said, even though I said I was never told such, the fee and interest to boot is applied to my balance thereby increasing my next month 's payment substantially. These 2 accounts are one with Walmart and one with XXXX XXXX. Synchrony Bank at this time is looking into the Walmart account. The XXXX XXXX is XXXX who specifically said only 1 waiver a yr can be. I sent a letter to their dispute office ( md. ) on XXXX and never received a response. I spoke today with them and there are no phone # 's to reach anyone, I was told to do what I had to. I have several traumatic XXXX XXXX and receive limited income on the 3rd of each month and mail all bills the same day or a few days ahead, but dated the 3rd. If an individual is consistent and I also changed all payment due dates as well to avoid any issues in the future, and can not pay a late fee, how can they then pay an additional one plus interest that these companies decide will be added to the balance, but still increase a person 's monthly amount due. I never in my life heard of such a thing, if a courtesy was given a late fee was removed PERIOD, I am not sure what this type of thing is that is being done but it scams people out of more money and they are not giving their consumers any courtesy. I find this to be not quite fair or above board. I would like some assistance please as my ability to afford such is simply not there. Thank you 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 explanation
Consumer complaint received 2018-08-27
Company: EQUIFAX, INC.
State: OK
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:
Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says XXXX XXXX / XXXX XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions 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 have been receiving a letters in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$170.00}

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Transunion bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. The Bureau responded that " Consumer 's dispute not specified, Consumer Information verified. '' Providing legal documentation, federal law title, code and subsection is " Not Specific ''? Along with the federally recognized cancelation document is " Not Specific ''? instead the company 'updated ' information which caused my credit score to decrease, this is illegal. Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.

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 2018-07-14
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a money transfer using the app XXXX through my bank which is Wells Fargo. I was purchasing a XXXX puppy from XXXX   XXXX  supposedly in XXXX Texas. The money was received by the so called breeder but I never received the puppy. I then got an email from the company that was supposed to be the courier that would be delivering my puppy saying I had to pay them XXXX for an electronic thermal crate because the crate the breeder used was not safe. XXXX XXXXXXXX XXXX is the name of that company. I sent them numerous emails because I started to feel like I was being scammed. They told me I would have to send the funds by debit card only by XXXX XXXX and the fee would be returned to me when my puppy reached my door. I knew then something was up. They told me that my puppy was being held at their facility until they received my XXXX for their crate. I refused to send the money and they said my puppy would be held there until they got the money so they were in on the scam as well. I simply feel that my bank should not support a company like XXXX when they know what XXXX 's policies are and if something happens the customer doesn't have any recourse through XXXX or even my own bank. I have been a customer with Wells Fargo for over 20 years and for them to treat me this way is just horrible in my opinion. I called them the minute I realized I had been scammed and they said there was nothing they could do for me and that I was just out the {$550.00} I paid for a puppy I never received. They said that using XXXX is like just sending cash but that can not be true because it still has to go through the bank. I just feel the bank let me down and they should not allow XXXX to be a part of their business practices.

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