BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My initial claim was started on Friday, XX/XX/2021 by my bank with the fraud department. I started my own investigation and called XXXX XXXX Illinois and spoke with XXXX a specialist he was able to pull up the account in question by my social. But the email account, debit card on file and phone number did not match. The acct number he gave me for reference was XXXX. He stated he would send a request to their fraud department. 

From that day forward I called my bank fraud department. Had email exchanges with a fraud specialist with no resolution. Apparently the initial transaction started in XX/XX/2021. The debit name on my account was from XXXX XXXX {$210.00} and was taken out about XXXX of each month. 

My bank, Truist, stated that the license, signature and information they found was not a match to mine but still no resolution. 

I even filed with the police and they ran into a dead end. I checked my creditwise account and found phone number, and address in XXXX, IL that was added.

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 2018-10-18
Company: PHH Mortgage Services Corporation
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I recently just got a loan modification through our mortgage company. Because we were struggling to make ends meet. And wanting to keep our home and not wanting to be foreclosed on so are mortgage company made us think that a loan modification is our only option and forced us into a ridiculously high numerous fees charges loan modification or we lose our home to foreclosure.. and this loan modification has put us in so much financial stress and it all started from our mortgage company and Ive already filed a complaint about this with our {$580.00} insurance premium that went missing back in 2015 that was supposed to be paid to XXXX XXXX.. We are getting nowhere with our loan through our mortgage company because our mortgage company doesnt want to work with their customers with American people that have families and that have lives and a mortgage company like I have my loan through does this to me and my family. And will not address any of my concerns regarding my loan or my loan modification agreement my escrow account my homeowners insurance anything that has to do with my loan from top to bottom my mortgage company will not address my concern at all. And so I now doing my own research know that this is not my only option to keep my home for myself and my husband and my kids and Im not going to stop until I get the justice we deserve weve been with this mortgage company for 10 years weve suffered for 10 years from day one with this mortgage company they are nothing but dirty crooks that dont care about American people.. this mortgage company uses fraud and kickbacks to get what they want from their customers loans. And I get no answers at all and Im not stopping until I get the justice that we deserve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
Truist is in willful violation of U.S. Code, Title 12, Chapter 49, 4902 ( Homeowners Protection Act of XXXX ). The company had bought loans from SunTrust Bank and are refusing to remove Private Mortgage Insurance ( PMI ) from a mortgage loan originating XX/XX/XXXX. 

According to law, the PMI can lawfully be removed after the principal amount of the loan is less than 80 % of the value of the home. 

A letter was sent XXXX XXXX, XXXX, to remove PMI from the loan but Truist then sent a reply letter dated XXXX XXXX, XXXX, denying the removal of PMI, stating that they bought the loan with the understanding that it was federally backed. 

Whether the loan was bought out by another company or not has no bearing, as the law pertains to the origin of loan, or initial amortization schedule ( see U.S. Code 4901 for definition of cancellation date ). 

A response was made XXXX XXXX, XXXX, notifying Truist that they are in violation of the law and they had 30 days to comply, per law, which they still have not done.

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 2023-02-18
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
I reviewed my consumer reports and noticed that I have late payments for an account that was closed in XXXX of XXXX, and yet you have been reporting this account late XX/XX/XXXX until XX/XX/XXXX. American Express has also sold this debt to a 3rd party collection agency and has tried to collect the debt from me in a settlement via email. This is against the law! 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

The following account is CLOSED, not LATE and currently is being handled by a 3rd party collection agency as well and needs to be removed for multiple violations of my consumer rights : AMERICAN EXPRESS ACCT NUMBER - XXXX Please investigate and provide proof with statements showing that these payments were in fact late as you are reporting, the account was NOT closed as you are stating and that a 3rd party agency has not been assigned to collect debt from me. 

If you are unable to prove any of this, I demand that this account be removed, I also demand monetary compensation for defamation of character as I have asked you to investigate this account previously with no results. YOU ARE IN VIOLATION of the FCRA 15 USC 1681 ( E ) ( b ), I am entitled to {$1000.00} per violation and will be sure to collect. This complaint has been CCD to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: PNC Bank N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or around XX/XX/XXXX I discovered negative reporting information associated with " XXXX/XXXX XXXX XXXX '' on my XXXX, XXXX, and XXXX credit reports. The information reported shows that the loan is in individual account in the amount of {$5000.00} that was opened XX/XX/XXXX with a monthly payment of {$240.00}. Being that I knew nothing about that information or whatever was reported or any knowledge at all of this account, began the dispute process. I advised XXXX/PNC that I have never taken out a private student loan other than the one with XXXX XXXX in law school. Months went by, my dispute went unheeded. Most recently, I began the dispute process again, having seen that nothing had been resolved. I received a notification in XX/XX/XXXX, that the debt had been verified as accurate. I requested copies of any and all documents relied upon in order to make this verification. Over 90 days have past and XXXX/PNC has failed to provide me with any verification of this account or debt, showing that it was me for applied for an received this loan. I have requested over and over for them to remove this negative reporting from my credit report as is continues to remain listed as a derogatory mark, which affects my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to XXXX multi layered scam operations run by XXXX, which involved me making deposits for a total amount of {$75000.00} from my Coinbase account to fraudulent investment firms..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am requesting TMX return my car title they are in violation of MLA act ; they pose claim that I deem as heresy re : they step they have taken to verify they have performed such verifications and have not provided proof of any of their statement to no wrongdoing. I am submitting my original contract, which they have not provided in dispute of my claim that the following does not exists as this statement does not appear on my original loan documentation. : k. I AM NOT a regular or XXXX XXXX  of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX, serving on a XXXX XXXX under a call or order that does not specify a period of 30 days or fewer ( or a dependent of such a l. member ). 

They continue to reiterate that they have performed a thorough investigation without proof or not one piece of supporting documentation, I am requesting proof that at the inception of this loan as they stated " An automated or manual check of the MLA or SCRA website is required by the Company before any credit application can be completed and before any request to refinance an existing loan/pawn may be processed. Onboarding identifies covered borrowers through an automatic ping to the Department of Defense 's MLA database. '' I am requesting the proof that they ran my information through a automated/manual check of the MLA SCRA website before they approved my credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Carvana Group, LLC
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 I submitted a brief CFPB complaint, complaint # XXXX, detailing the fraudulent practices employed by Carvana in their business with me. I also reported XXXX, Carvana 's overly close pet financier. I reported XXXX because they continue to act as some sort of weird henchman covering up Carvana 's fraud. Carvana issued a response to my initial complaint that was the mere distillation of backdoor negotiations held between me and XXXX on Carvana 's behalf. I am pretty sure that XXXX attempting to sweep Carvana 's fraud under the carpet, is the furtherance of fraud. But anyway, this complaint is because Carvana refuses to even follow through on the recent promises they made the CFPB and myself in their response. Carvana has possession of the vehicle and has had possession of the vehicle since it was impounded by law enforcement following its recovery from a theft. I originally attempted to collect the vehicle, but have been unable to because, well I don't own the car, and never have. Carvana sold me a car they didn't own. I am fairly certain Carvana has never owned the car. If they have, they have refused to provide evidence of title once to many requests. So, Carvana is the only organization or person who can possess the car. To be clear, if Carvana claims they don't possess the car. They are lying. They are playing legal semantics and it is more evidence of theiXXXX XXXX tactics. Continuing on, Carvana is attempting to coerce me to process this loan cancellation through their internal customer satisfaction process. I find this disingenuous, and the process is likely being used to cover internal evidence of fraudulent practices. Carvana demanded I submit payment to bring the loan current before they would rescind the loan. They also promised to send me all previous and these additional funds as soon as they cancel the loan. I want to be very clear. I am not a mere disgruntled customer. I am a victim of real fraud perpetrated by Carvana with real damages. I am almost certain that this " loan back out '' that Carvana was attempting to process is not an above-the-board way of Carvana fixing the fraud they conducted during our business. I choose to not participate in any more of Carvana 's fraud. Much as I refused to participate in Carvana 's requests to doctor and forge registration documentation so that I " could make an insurance claim '' on their stolen vehicle. Seriously Carvana, read this, process it, and do the right thing and cease this fraud. Honor the agreement you told the CFPB you were going to do. This complaint wouldn't exist if you had done what you said you would. So, keep that in mind the next time we talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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:
alot of data entered on my credit report is invalid with Equifax. I am intrested in removing all incorrect information that is hindering my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2021-03-15
Company: FIDELITY CAPITAL HOLDINGS, INC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent FIDELITY CAPITAL HOLDINGS , INC. DBA FIDELITY INFORMATION CORPORATION letters on XX/XX/2021 to their main office and corporate office about the alleged debts of {$50.00} and XXXX $ dollars that i dont owe.i sent them certified mail for my records and i have attached copies below of the letters that i sent. the information needs to be delete from my credit reports asap cause its causing me financial harm from achieving credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with TIAA/Everbank , deposited money into both a checking and savings account, my debit card was activated and I really was not doing anything with the accounts, mostly just using for savinings, well without me knowing they locked the accounts, I have tried to get my money out by way of transfer, wire transfer and XXXX, but nothing, I have left numerous messages, emails and spole to people who say someone will call me, but been over a week and nothing. I want my money out of this horrible messy bank and an explanation as to why there has been no attempt at communication

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX Balance Owed : {$290.00} XXXXXXXX XXXX XXXX Balance Owed : {$1000.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXXXXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX Balance Owed : {$15.00} XXXX XXXX Balance Owed XXXX {$640.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2022-02-28
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: Account status incorrect

Complaint:
My fha loan has been in forbearance and I have never had any late payments. My credit report shows no payments resported during the forbearance time, however now that the forbearance has ended its showing Im 180 days late. That is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputing this information for years that certain accounts do not belong to me. The credit reporting agencies and the collecton agencies seem to verify the information within hours! This was originally reported as Identity Theft back in 2017, the person involved went to prison over this. Yet, the accounts still sit on all of my reports. I have since filed an updated report with the FTC. 

I have written to all three credit reporting agencies, provided documentation beyond the necessary limits and yet they never remove the information, nor do they acknowledge that they receieved anything from me. 

I have tried to upload documents through their dispute process but the system is always " unavailable '' and just won't upload even the smallest PDF.

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 2022-07-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$170.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-04-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was having an interest bearing XXXX XXXX account in Citizens Bank and was receiving interest added to the balance on the XXXX of each month. Last interest payment i received was on XXXX XXXX XXXX 
On XX/XX/XXXX i came to the bank 's branch and asked for a account to be closed. When clerk was processing the request I asked if the interest for the period from XX/XX/XXXX to the XX/XX/XXXX will be added at this time, he answered that i will receive the check for the interest in a couple of weeks after XX/XX/XXXX. 
When i contacted the bank on XXXX the XXXX over the phone, representative told me that the clerk in the branch gave me wrong information, and that i shouldn't close the account before the cycle ends on the XXXX. 
I checked the bank disclosers, they don't have such provision for the account closure, in contrary it says that if customer close account in between the cycles, he will be paid accrued interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: U.S. BANCORP
State: MI
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:
XXXX XXXX ( via US Bank ) has claimed to have sent a {$600.00} payment to XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX has not received the money. They have contacted XXXX XXXX several times and XXXX claims no funds are being withheld. I have paid the {$600.00} to US Bank in my XXXX billing cycle. 

I have contacted US Bank numerous times in which they claim the {$600.00} has been sent and there's nothing else they are willing to do to help resolve the situation. Attached are two letters. One from US Bank stating that they sent the {$600.00} and a letter from XXXX XXXX stating they have not yet received the money.

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