BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the month XX/XX/2019, I missed a mortgage payment. My monthly mortgage payment is {$1800.00} each month. On XX/XX/2019, I sent {$2000.00} to pay my late XXXX mortgage. On XX/XX/2019 ; Suntrust returned my payment saying they could not apply the {$2000.00} dollars and the new increased mortgage payment was {$4000.00}. 
On XX/XX/XXXX, I paid Suntrust {$2000.00} and XX/XX/XXXX, I paid Suntrust {$2000.00} dollars. 
On XX/XX/XXXX, I received another returned payment from Suntrust Bank of {$2000.00} dollars and Suntrust says they could not accept or could not apply the payment of {$2000.00} dollars I sent them. Suntrust, now says the new increased mortgage payment is {$4100.00}. I am both tired and frustrated about this fraudulent game Suntrust Bank is playing to return my mortgage payments each month. When I send Suntrust my mortgage payment each month, Suntrust returns the payments as if I did not send them any payments at all. Then Suntrust fraudulently applies a late fee each time ; and fraudulently reports that I am not making any payments to my mortgage. This fraudulently reporting is also affecting my credit. Please Stop This is Fraudulently Activity within Suntrust 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was hit with XXXX that why I was late on my account with XXXX but you can see my records are clean I was never late on the 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 2020-08-17
Company: Debt Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is in reference to closed case XXXX XXXX XXXX of Debt Solutions responded to the CFPB on XX/XX/2020 that they have instructed the credit reporting agencies to remove the account from my file and documentation of the debt would be provided. 

As of this date, non of the above has happened and Debt Recovery Solutions continues to report the debt as a valid debt ( XXXX  XX/XX/2020, XXXX  XX/XX/2020 ) I have tried on several occasions to reach out to XXXX XXXX at the number provided leaving voicemails asking for a call back however I have received no response as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: EQUIFAX, INC.
State: CA
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 has been non-compliant with removing the unverified account Bankruptcy   which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company needs to fix their report on my credit score. I did everything on my end I was supposed to that satisfied the settlement so why was another account opened on their behalf? 
The company needs to send the correct information to the credit union and have the wrong information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, I opened my checking account with XXXX XXXX on XX/XX/2023, at that time I enrolled to the online banking at the branch, I never get the email confirming that the enrollment was succesfull. 
I tried to access using the credentials created but never allowed me to go in, I tried to reset the password several times without success. I sent emails to the representative who helped me opening the account but never replied, also I called customer service they said that my email is " wrong '' wich is XXXX XXXX from XXXX, XXXX from my last name, and XXXX XXXX XXXX ( my second last name ) Also I tried to enroll again and the bank replied that was not possible. 
I was requested to go the branch, something is impossible because I dont live in the XXXX XXXX right now im in 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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I received a letter from the creditor, XXXX XXXXXXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to  verify/validate the requested information. 

I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each 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 explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2018-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a notice from B.O.A regarding an unauthorized XXXX payment in the amount of {$300.00} to XXXX On XX/XX/XXXX I contacted B.O.A and on XX/XX/XXXX I received a message from B.O.A advising that they credited my account and they were researching the claim. To this date I have not received further information regarding the claim. 

XX/XX/XXXX XXXX XXXX Alert from Bank of America regarding a {$1500.00} transfer out of my savings account and requesting confirmation of whether I made the request or not. 
XX/XX/XXXX XXXX XXXX. Received an email from Bank of America with info the recipient info of the transfer to a XXXX and it was transferred. 
XX/XX/XXXX XXXX XXXX.- received an email alert that the transfer was complete with transaction number XXXX conf. XXXX XXXX. 
On XX/XX/XXXX I had outpatient XXXX and was recovering until approximately XXXX that afternoon at which time I saw the 3 emails for the first time. I immediately contacted B.O.A to advise them that the transfer request was not authorized by me. They immediately closed my checking and savings account and locked my online banking account. At that time B.O.A started an investigation into the fraudulent activity. 
On approximately XX/XX/XXXX A B.O.A Associate contacted me and asked me some questions. Did anyone use my phone? Did I know a XXXX? They subsequently advised me that the transfer was made from my phone and that they were not going to reimburse me the money. 
The following Day I went into B.O.A. and showed them the papers from the XXXX center and proving to them I did not use my phone when the transfer was made. B.O.A digital fraud dept. told me I need documentation from my wireless carrier stating that there was malware on my phone otherwise they could not honor my claim. 
I went to XXXX and talked to the tech dept. and they verified that there was no malware on my phone and was told that there are several other ways this could have happened. 
On doing some internet research of my own I found an F.B.I. bulletin dated XX/XX/XXXX The Data Phone Scam entitled The Latest Phone Scam Targeting Your Bank Account,, wherein was exact fraudulent activity I experienced during this event.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Re : XXXX XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account Number XXXX, has violated my rights.

15

USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2023-05-24
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/2023, my account was charged twice by a company called XXXX without my authorization, once for {$1.00} and once for {$59.00}. On XX/XX/XXXX, I promptly filed two disputes regarding these charges. The first dispute was for the {$1.00} charge, and I received a swift reimbursement. However, the second dispute was for the {$59.00} charge, and unfortunately, it led to the closure of my card due to suspected fraud. Although I received a replacement card, I have observed that the fraudulent charge still remains on my account balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started the process of attempting to refinance our home back towards the end of XXXX may be the beginning of XXXX. We have been in communication with Navy Federal Credit Union about our refinance throughout the whole entire process, I have called in numerous occasions we had a loan processor by the name of XXXX XXXX who was working on our file at the very beginning, for over 4 months we never heard anything from Navy Federal Credit Union. We have had friends go through the process of getting their home to refinance since mortgage rates have dropped and closed within 2 months. However, our file is still in process. I have sent numerous emails to XXXX XXXX and made numerous phone calls into the company to get a status update. Then what is worst is that I would get a dialer systems customer rep to call me to tell me that our loan is still in process. But why in the world is this taking soooo long to process? Obviously, interest rates are down and we understand that the company may be busy with the processing but all documents have been submitted and to get emails from this representative asking and requesting for duplicate information and then to have our credit pulled numerous times just to qualify seems to be unreasonable. Even when I call in to speak with a supervisor in processing NO ONE is able to take my call, nor is anyone available. 

My file has now been transferred to another representative who had to re-pull credit and now is not able to be reached so that we can try to continue this process. We have been at this process for over 5 months and this is not acceptable. The new representative has now quoted us a much higher interest rate ( when interest rates are steadily on the decline ). The interest rate we were approved for was at 3.625 % now we are being quoted much higher than this. We are still waiting on Navy Federal to contact us so that we can take advantage of the lower rates, but no one is able to answer questions about the process and tell me why the rates are going up when all over the news and the internet I see rates going down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze Experian and XXXX in XXXX of XXXX. I was able to freeze XXXX only after filing a complaint with CFPB and did that some time later in XXXX of XXXX. 

All three reporting bureaus made it extremely difficult to freeze credit reporting other than by creating an online account. These are too great a security risk for me to do this. I was eventually able to do this by phone for each agency. Each promised to send a pin for verification in order for me to unfreeze reporting. Only XXXX did this. 

I was able to temporarily suspend the freeze on my XXXX account by using the confirmation code sent to my cell phone in XXXX, XXXX. 

I called Experian at XXXX at XXXX pm XXXX XXXX XXXX today, XX/XX/XXXX. I was not able to unfreeze my Experian record by using the confirmation number Experian had provided to my cell phone in XXXX, XXXX. Experian never sent a pin number to my email account as promised in XXXX, XXXX, or by regular mail. The automated process demanded this number to unfreeze my credit record. I asked for a representative. The automated voice said I was not allowed to at that time ( before XXXX pm XXXX XXXX XXXX ). It gave no other other information and ended the call when I kept repeating " representative ''. 

I can not open a new bank account at this time because that bank uses Experian. Experian is attempting to force consumers into opening an online account. As the recent history of severe, uncontrollable data breeches for credit reporting agencies, as well as other centralized services such as state agencies, shows, the risk is almost never worth the convenience. 

Experian should not be able to force me to open an online account in order to temporarily suspend the freeze I placed on my file there. The only other option they offered was to send, via the now extremely unreliable ( thanks, XXXX! ) U.S. mail, all the sensitive information anyone receiving that mail in error would need to permanently ruin my credit history. Experian should have sent the pin via email as promised during the freeze process. The company should send that now, or allow me, as XXXX did, to use the confirmation code sent me when I froze that account. 

Thank you for looking into this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written, called, and submitted evidence to ALL 3 credit bureaus stating the charge off accounts and inquiries listed on my credit report and of fraud. They have not removed these items even after verbally agreeing to remove them. They are consistently lying to me and I am fed up. I have been a victim of TRUE NAME IDENTITY THEFT AND THIS IS A NIGHTMARE! PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Franklin Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2017, i made several phone calla to XXXX XXXX XXXX about this that this is a identity theft, explained that i never been to Texas ever and I'm not a woman because its a woman names come with it. Until one day i spoke to someone in XXXX XXXX XXXX loyalty department and told me just disregard it, thats XX/XX/2017 when i had the conversation with XXXX XXXX XXXX loyalty department, I though thats the end of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credence Resource Management said they sent me a validation letter on XX/XX/XXXX I have not received any kind of notice from them about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation