BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to short sale my property for several months. I received a HUD Approval to Participate in a pre-foreclosure sale in XXXX. It took a few months to obtain an offer that meets the ATP terms, but one was finally received and faxed to Flagstar on XX/XX/2019. The assigned underwriter, XXXX XXXX, advised the file was selected for audit and should be completed by XX/XX/2019. That date came and went, but we have received no short sale updates. Worse, Flagstar is now refusing to take any accountability for receipt of the offer. XXXX adamantly asked that my agents stop contacting her via email for updates and only call to the account management team via phone. When they call the account management team, anyone they talk to, two agents now ( XXXX and XXXX ), both advise several times now that XXXX is the only person who can give an update on the short sale. While my agents have emailed XXXX back with the account management teams rebuttal that she is the only one who could provide an update, she has stopped replying to us all together and we remain completely in the dark. The buyers are requesting updates and I am concerned that Flagstar 's staff 's lack of accountability and games in pointing the finger back at one another will lose us this buyer and I will be needlessly forced into an avoidable foreclosure.

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 2017-07-21
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In 2015 a " flex loan '' was taken out in my name. I did not do this. My mother did, she was able to because the person working at the advance financial location, on XXXX XXXX, in XXXX Tennessee was buying XXXX XXXX from my mother and did this as a favor. This loan was put in my name and I was not even present. I attempted to pay this off instead of just pressing charges. I made 8 months worth of payments and the balance due actually increased. I called the 24 hour number and was advised, by a supervisor, that when the flex loans first came out no one was properly trained. So the only way to pay the " flex loan '' off without paying a 300 % interest was to pay it all at once. I had been making the minimum payments ( XXXX biweekly ) and nothing was bringing the balance down. I was told that since this was fraud, and the individual who processed the loan was fired for not verifying people 's identities prior to approving loans, that I did not owe any more money. Fast forward to today, 2 years later, and I get an advertisement from some random attorney that advance financial has a pending lawsuit against me for the amount due. I did n't take this loan out, and I was n't there when it happened. I saw no money from this loan, it was done fraudulently. Advance financial was aware of this because they terminated the person doing it. I 've not heard from this company in over two years and today I find this out by way of an advertisement. This should be illegal. I called advance financial and the guy could n't tell me a thing because there was no information on any loan for me. I was given a number to call in XXXX, TN which is 2 hours away. The local store denied knowing anything because it 's been so long, and now I may be stuck paying something I did n't do, as an unemployed mother to XXXX XXXX XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm trying to buy a house and can't unlock/remove a credit freeze. I tried to log into my account to unfreeze, see my credit score. I sent a request to reset my password every day for 3 days ( XXXX thru XXXX ). TransUnion never sent any emails to reset password. On the XXXX day ( XXXX ), I called customer service twice in one day requesting to reset my password. I was told that the online portal to reset password doesn't always work and they would send me a temp password via email in 5-10mins. I never received any emails to reset my password. I requested they try both my email address. Still no emails to reset. I made comment that something is wrong with their system and was told : There is nothing wrong with our system, it's on your end. I was receiving emails to both my email accounts from other people/businesses as I was speaking with agents. Transunion is refusing to send emails with password reset options to access accounts.

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 2020-01-07
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no known binding accounts and or financial contracts with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$770.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XX/XX/XXXX {$250.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}. Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2017-07-19
Company: Experian Information Solutions Inc.
State: IA
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:
All Principle and Interest payments are {$940.00}. They reported the following $ ND XX/XX/XXXX {$1500.00} XX/XX/XXXX{$990.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX {$1500.00} XX/XX/XXXX {$5300.00} XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX {$2800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXXNot reported XX/XX/XXXX {$1200.00} XX/XX/XXXX Check Cleared XX/XX/XXXX for XXXX, reported late XX/XX/XXXX forXX/XX/XXXX, reported late XX/XX/XXXXfor XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX, for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX, reported late XX/XX/XXXX for XXXX not reported It is obvious the record is totally incorrect. I have submitted paper copies of checks with amortization schedules and uploaded an XXXX spread sheet. They deny even though I 've provided evidence from the bank.

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 2020-01-07
Company: LendingPoint Holdings LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called in to set up a payment to come out on XX/XX/2019. When I spoke with the representive I told her I wanted to pay a little more than the payment. She stated that you shouldn't go over the amount paid cause it would not be applied to princple. I asked the representive what happened to all the money that has been overpaid on this account. The representative stated that it may be in your reserve. Once she got back on the phone she stated that there was nothing in the reserve account because I have been delinquent since the start of my payments for this account. I asked could I speak to a manager. A manager was placed on the line I told her that the information was incorrect and I should not be delinquent on the loan because I am paying what is due per the online website. I told her if there was a past due amount it was never told to me and does not say that on my account once payment is made. I told her I pay whatever is should on my profile. This means that you all ( Lending Point have been inaccurately reporting negative information on my credit and also have inaccurate information on my account via the website that I ( the customer ) is unaware of. The manager stated that she would speak with the tech team to let them know of the issue and that she can only modify the loan to remove the late payment. The manager also stated that any overage that I have been paying goes to the interest of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has inaccurate information on my credit report and I want it off my report. Portfolio Recovery  Associates, LLC se nt me a letter stating that I own {$1.00},  XXXX  on an account that is not mines. I replied to them more rec ently   XXXX   XXXX  , 2017 and stated that the account was n't mines and if they can validate the information by providing a copy of th e original contract bearing my signature. This company has only sent me an itemized bill of a credit card statement. I have asked them for proof for over a year and they have yet to comply. I have sent them a letter stating that according to the FTC that a printout of a bill or itemized document does not constitute verification of a legally binding contractual obligation agreement and is back up By Federal Law according to the Federal Trade Commission and the Fair Credit  Reporting Act 611 ( a ) ( 7 ), 603 ( 0 ) ( 5 ) ( A ) ( I, III ). I am now strongly considering a small claims law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Problem with personal statement of dispute

Complaint:
filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX store for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops 75 points number 4. all this for a XXXX dollar purchase. CAN YOU 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 non-monetary relief
Consumer complaint received 2020-01-07
Company: BSI Financial Holdings, Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received denial letter for modification request from my server BSI. The letter stated I had insufficient income. My income is substantial to make the mortgage payments on my property. I was also previously denied a modification review because the Relationship Manager stated they showed in their records I had filed bankruptcy. I have not filed bankruptcy and BSI has incorrect information. BSI is difficult to work with and I'm requesting they review my request for mortgage assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Social Finance, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello there, I'm writing in because I have, seemingly, no other alternative. The company in question is SOFI Financial. I had a checking and savings account with them that has been opened for years. Recently, I also applied for, and was approved for a credit card with them. I activated said card and was declined. I thought that was odd, so I tried once more, and was declined. I received no call from them at all regarding this- which I also found odd. 

I call and they tell me that my entire account, checking/savings/credit card, has been frozen for suspected fraud. Mind you, my checking account has no transactions whatsoever on them. My credit card was brand new. I had planned to utilize both once I received the card. 

My actually issue lies in the fact that reaching someone at SOFI who can give me actual information as to why my account was frozen, or any details at all about my account is near impossible. Reaching a general agent is fine, until you get through and they direct you to reach their fraud team who I can never get through to whatsoever. Immediately when I am transferred, or call the number directly, I am sent to a voicemail box in which I have left 4 voicemails on already on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have received no response or correspondence back. I have also asked for their general support team to have a supervisor call me back and have received nothing back in return either. 

All accounts are frozen without any reason, ways to resolve the freeze, or ways in which to reach someone who can provide me any information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir Or Madam, This a follow up to complaint XXXX. Our names are XXXX and XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Ga XXXX. 
We want to send you some documents that have shown malicious behaviors XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My compliant is with Synchrony Bank. I was approved for a credit card in the store in approximately XX/XX/XXXX. While at the service desk in a Sam 's Club, I was renewing my membership when I was ask if I wanted to fill out for a credit card and recieve a discount on my purchase for doing so. I did, but the young lady never told me that the card was approved. While shopping in Sam 's Club on another ocassion, the register ask if i would be applying my purchase to the credit card, I did not know I had. So I contacted Synchrony Bank and verified the card, and they informed me that one had been sent out, but they would re-issue a new card ; the second card was once again not recieved. I contacted them a third time in XXXX, and the second card was going to be cancelled, and a new card issued. ( see email below ). I provided a new address that I requested it be sent too, still the card has not been recieved. I believe this issue with Synchrony needs to be address, because this is or can become fraudulent. Someone is interfering with customers recieving their credit cards after approval. Last 4 digit to card : XXXX, card # XXXX, card # XXXX ending in XXXX. 
Recieved XX/XX/XXXX Hi XXXX, Great news! Your Sam 's Club Credit Card is on its way. Look for it in your mailbox in the next 5-7 business days.

Here are your shipment details : Shipping Carrier : USPS Expected Delivery Date : XX/XX/XXXX - XX/XX/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 2020-01-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Great morning, On XX/XX/XXXX I started the process of doing a " Streamline '' refinance with Lakeview loan servicing LLC. All of the required documents were submitted within a timely manner. After receiving terrible customer service I requested that I receive new loan officer and/or loan processor on XX/XX/XXXX. I was totally ignored and they continued to put me on the back burner with no communication. I repeatedly tried getting updated on the status of my refinance from my loan processor and loan officer but they kept giving me empty answers. They also started blaming each other for my inconvenience and sending me back and forth. Prior to XX/XX/XXXX they no longer answered my emails or phone calls and they started blaming the title company and my 2nd mortgage lender for my inconvenience. Eventually I reached out to the title company and they let me know that Lakeview loan servicing LLC informed them that I was doing a regular refinance so they were waiting for my credit report and property appraisal. Lakeview loan servicing LLC misinformed them because a " streamline refinance '' does not require this paperwork. Lakeview loan servicing LLC also told me they sent paperwork over to my 2nd mortgage lender for the subordination letter. I reached out to my 2nd mortgage lender and they confirmed that they never received any request from Lakeview loan servicing LLC ( I have this documented via email ). After this tedious process of finding out I have been getting lied to I let Lakeview loan servicing LLC know that I am aware of the inaccurate information given to me. Now here it is XX/XX/XXXX and I still have not closed on my refinanced loan because they are saying my file is closed because my XXXX payment went through on the XXXX of XXXX which is outrageous. My payment was made in XXXX and I should have already closed on my loan months ago because minimum information is required for a " streamline refinance ''. This is my first home as well as first refinance and Lakeview loan servicing LLC has emfacticly under served 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 explanation
Consumer complaint received 2019-11-15
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Fed loan servicing is a complete scam. After enrolling in part-time XXXX  school they automatically make changes to my account to set to deferment. No one should be making changes for my account other than myself, if I wanted to enter deferment I would have. On top of this, I was eligible for the deferment back in XXXX but it did not actually kick in until a few days before my loan should be paid in XXXX. After being notified by Fed loan of the deferment I received multiple emails that I should still pay, yet they make it impossible to take my loans out of deferment. After spending 30 minutes I finally was able to reach through to an actual person who informed me I must now fill out a form. The only place this form is found is before logging into your account at the bottom of their web page in small writing. AKA where no one will look. After that you must submit this form, they give plenty of options to submit for deferment and avoiding the loans, but force the form to get out of deferment to fall into the other category. This category, of course, takes longer because it does not give a defined path to a representative. While on the phone I also asked about the ability to target higher interest loans with extra payments because my employer also helps with my loans. Apparently you can only target higher loans with single payments, not auto payments. Now not only did they mess up my loan statues but have also messed up my employer 's contributions. Every single procedure and step about this company is designed to make you pay more and keep you as long as they can. They send emails to say look what we can do to help and then give a complete run around that often makes things worse.

Company response to consumer: Closed with non-monetary relief