BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been paying my mortgage on time for 5 years. I experienced a reduction in my income since XXXX of 2015. In spite of the reduction in income, I remained current on my mortgage payments. Recently, however, I was not able to make payments on my second mortgage with Carrington. I did fill out paperwork with Carrington asking for hardship assistance. Instead, I was sent a document with a repayment plan that far exceeded what I owed in back mortgage payments and exceeded my normal monthly payments. The question I presented to Carrington was one that underscored that raising the amount I owe per month is not a viable solution to my financial hardship. As I discussed the matter with the representative, I was told that I could afford the payments based on the documents I submitted. I am not quite sure how they arrived at that consensus considering my low credit score and overbearing monthly financial obligations. As we discussed the situation further, I was told that I have only two choices ; pay the higher monthly re payment plan or come up with at least 2 regular monthly payments by the XXXX. I was then told that there is no guarantee that the payment will be accepted after the XXXX. I was told that foreclosure proceedings might progress. I am working very hard to raise 2 months worth of mortgage payments to avoid falling into their repayment plan which looks like a scam, because some of the payments wo n't be applied directly to my principal and interest. I 'm asking for intervention into this matter, and a fraud investigation to be opened. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On 2012 i purchased my house for {$820000.00} XXXX XXXX time home owner ) and later on i found out that is only worth {$400000.00} I want some XXXX to investgate this as is very unfair that i have a loan for {$800000.00} if the house is only worth less than {$400000.00} Please feel free to contact me if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Information belongs to someone else

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
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:
In XX/XX/XXXX, I notified the 3 credit bureaus of fraudulent activities on my credit report and have been ignored. I've complied with what they asked of me. I consulted an Attorney that advised me, if I find a discrepancy and the credit bureaus willfully ignores your request to delete the error, you can recover the greater of your damages or {$2500.00}. My next step in filing for damages.

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 2017-05-31
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage for my home in XXXX, AL, was serviced by Ditech Financial. On XX/XX/XXXX, I sold my home. On XX/XX/XXXX, Ditech sent a letter to my new address indicating that my  loan had been paid in full and that a refund for overpayment or positive escrow balance would be mailed to me within 20 business days of the payoff date. On XX/XX/XXXX, Ditech autodrafted a mortgage payment from my checking account -- despite the fact that my account was " closed '' and " paid in full. '' I spoke with a Ditech customer service agent on XX/XX/XXXX, who apologized for the error and explained that Ditech had 30 days to issue a check to me to refund the erroneous autodraft. On XX/XX/XXXX, I called Ditech again to inquire about the status of my refund ; the customer service agent stated that my escrow balance refund check had been cut and was about to be mailed but that the mortgage payment refund check had not been cut yet and that Ditech has 30 days to issue that refund. On XX/XX/XXXX ( the 20th business day following the erroneous autodraft ), I called Ditech again to inquire about the status of the refund of the mortgage payment ; as the customer service agent started to tell me that Ditech has 30 days to refund that payment, she realized it was the 30th day/20th business day. She said the check had not been cut yet, but that it should be " soon '' and to call back the next day. On XXXX XXXX, I called Ditech again ; I have been advised that the check was cut on the night of XXXX XXXX and should be in the mail but that it could take up to 10 business days to reach me. I advised Ditech that I have retained an attorney to help me with this refund and that if I do not receive that check soon, they should expect to hear from my attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered flowers on XX/XX/2019 from XXXX XXXX XXXX for my son and daughter-in-law 's wedding on XX/XX/2019 for {$750.00} to XXXX XXXX, New York. They were delivered as expected on XX/XX/19, but half were missing. Complained to Merchant who sent the other half that arrived on XX/XX/19. Some of the other half were the wrong color, 1/3 were dying. We bought more flowers in XXXX XXXX to get the right colors and made do. 
Received a phone call from my daughter-in-law on XX/XX/19 saying XXXX XXXX XXXX  called her asking if another order was made because flowers were being sent to Texas on or about XX/XX/19, long after the wedding. She told them no such order was made and then called me to inform me. I immediately cancelled my card and went through my statements. I found charges for yet another order totaling {$750.00} for flowers sent 1700+ miles in the wrong direction in Texas that were not ordered. Merchant had been given the correct address for the correct day, which is why we received the half order. We made numerous complaints to XXXX XXXX XXXX, started 2 Cases with Citibank and an appeal, provided papers showing the actual order date and address and yet my funds have not been returned. 
It has become quite obvious that Citibank has not done due diligence.

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 2017-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been trying for weeks to get my transunion credit report. I 've called and entered the info. I 've done annualcreditreport.com and they told me I could n't view it online. I 've tried the transunion website and none of them I 've been able to get a copy.

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 2017-05-31
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pulled my credit report this morning  XXXX / XXXX / 17  and saw a collection reported by this company  XXXX / XXXX / 2017 . I dont know who they and why they are reporting this to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
Letters of dispute were sent XX/XX/2021 to Experian regarding XXXX XXXX  account/charge off. and XXXX XXXX reporting current open account. 
I am demanding they comply and release their findings to me of or remove items immediately from my credit fiile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I was supposed to close my refinance with AmeriSave Mortgage Corporation NMLS ID # XXXX the day before they changed the final DC and increased it. They are having a bait and switch method to apply with them, lock the rate, sign everything and then increase the amount at the very end.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX account number : XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number : XXXXXXXX XXXX XXXX account # XXXX XXXX  has not sent a verification that the balance is accurate and that the automobile has not been leased or of the sale price to another party.

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without written instructions.

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 2021-08-23
Company: Porania, LLC
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:
I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-03
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : - ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
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:
I have attached an FTC report with inquiries I did not authorize

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 2016-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a credit card for our business with 5/3rd Bank out of XXXX, OH. I have had this card for over 10 years and in the past had done all of my business with 5/3rd until the 2008 housing crisis. At that time, I was trying to get another mortgage and a Senior VP at 5/3rd lied to me during those negotiation and was eventually fired for mistreating me. I then took all of my corporate business to XXXX Bank in XXXX, with the exception of this XXXX credit card. I have an excellent credit rating and I have paid on time for years. However, a month ago, I did not get my statement in the mail and before I realized that I had not paid it, my payment was 10 days late. The next month, I found that they had raised my interest rate from 9.24 % to 29.99 % just for being 10 days late. That is a penalty of {$220.00} per month! They have now informed me that this penalty will be in place for six months! Meaning that they are going to penalize me {$1300.00} for being 10 days late on XXXX payment. Clearly this is predatory. Certainly, they are trying to drive my business away. I have no problem with that, I just have a huge problem with how they are doing it. That is a lot of money for any small businesses and many would not be able to take their business elsewhere. This simply is wrong and I ask the CFPB to investigate this practice at 5/3rd Bank to see how wide spread this predatory practice is and how many businesses have been affected. Then I ask that you take action to get them to repay me and the other business victims for the money that they have literally stolen from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The attached letter to the XXXX of the Bank of America gives an actual account of my recent interaction with the bank. The bank should not be allowed to change the terms of my accounts with them at will and charge me fees at will

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I noticed back in XXXX of 2015 that Experian had charged XXXX XXXX on my card. My wife called them and made sure whatever service they had signed us up for was cancelled. Two months later another XXXX charges of XXXX appear. In an entire two month period nothing was charged, and all of a sudden the charges appear. On the day they came through my card which was XXXX XXXX I called. I was told by XXXX ' that the charges were n't cancelled. He would cancel them now and refund me the XXXX charges. I did n't see the refund today so I called. I was told by 'XXXX ' that the account was n't cancelled. I pulled up a confirmation number. They agreed that it was cancelled as per the email. But they wound't refund us fully. Only for XXXX dollars. I told them to check 'XXXX ' notes, and refer back to the taped audio of the conversation. They said that his notes only state we called to cancel. However, I told them if that was the case then why did they initially say it was n't cancelled UNTIL i gave them a confirmation number? 

I told them that in this discrepancy the audio would prove what 'XXXX ' told me. Manager 'XXXX ' said that it was too hard to get the audio, and that XXXX dollars was all she could do. They have had MANY FTC complaints. I told her I would file a complaint. She said I was free to do that and ended the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-19
Company: P&B Capital Group, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just received a phone call from P & B capital group llc. I went to pick up the phone and they hung up. I called back and was placed with a man whom I did not get his name. He asked who I was and I asked what he was calling in regards to. He mentioned me having taken our a loan with rise. I asked him to send me verification in the mail about the debt and he said he has already sent something. I told him I have n't received anything and before I could finish my sentence he said I was just playing games and using stall tactics and he will send me to litigation so they can sue then hung up on me. The phone number I reached him on was 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 2017-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is incorrect personal information on my credit report that needs to be deleted. 

Incorrect Names : XXXX XXXX Incorrect Address : XXXX XXXX NJ XXXX XXXX XXXX NJ XXXX Incorrect SSN : XXXX Item that should be deleted from credit report : XXXX - Account Number : XXXX ( I uploaded a letter stating it would be removed from my credit 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief