BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-22
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
SunTrust bank caused overdraft fees by not doing the correct fraud investigation into my checking account. On XXXX $ XXXX $ XXXX {$550.00} funds drafted from my checking account. The bank closed my debit card due to fraud and refunded the first two charges. The last charge they denied via letter and I was requested to contact the vendor for the funds. I appealed and requested information about the vendor specific contact info. They refused to give me the information, although it was the same vendor for the 3 claims. I requested the head of the department phone call ... never received a call from the fraud unit. The bank has refused to reimburse me the NSF fees collected by the deduction from my account. They claimed the 3rd claimed denied because they had other claims for the same vendor. Lack of customer service and investigation and overcharge in fees.

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 2020-05-02
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am requesting verification validation of debt per my right under the FDCPA section 809 A and B. I have contacted this company before and they can not provide proof this is my debt. This is currently being reported on my credit report and its not mine. If these documents can not be provided within 30 business days, then this account needs to be removed from all 3 CBR 's. I will contact an attorney if needed to protect my rights as I am aware of the actual and statutory damages for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed with the company, Experian, multiple times and they have yet to describe the method that was used to verify the file eventhough the company stated that they did not have documentation to prove an agreement ( signed document, contract, etc. ). Therefore it is not only inaccurate but unverifiable as well. 

Also Experian broke the law by not sending a letter stating that they had relisted the fraud account on my credit report within the specified time stated in the .FCRA which is 5 days of the reinsert day. I had included a copy of a credit report where the item was removed from Experian report. However I did not receive the letter that it was reinserted let alone being during the five day window of relisting.

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 2021-02-09
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan with a wire transfer on XX/XX/2020. The mortgage servicer did not post the payoff until XX/XX/2020, costing me one day of interest.

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/20 I sent a letter to the bureaus stating I had not received any info back on my disputes. Pursuant to 15 USC 1681i this is a violation of the law. I believe these companies have been ignoring me and they had 30 days to respond and did not. Any violation of the FCRA immediately calls for deletion and I have listed the accounts that were already inaccurate and misleading. These companies are not only in violation of the FCRA but also the FDCPA pursuant to 15 USC 1692e. Clearly, the law isn't stopping these companies from committing fraud. They also have no written permission by me pursuant to 15 USC 1681b ( 2 ) to funish anything to my consumer report. These items need to be deleted immediatly. You are in violation of 15 USC 1681i, 15 USC 1692e and 15 USC 1681b ( 2 ). I am seeking litigation.

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 2019-09-24
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Best Buy XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/19 purchased laptop {$1100.00} including discount of {$200.00} if apply for a Best Buy credit card. Approval code XXXX, card # ending in XXXX according to receipt Asked to pay off immediatedly at store- refused to do. Calle the store several times in the last month asking where card was, said it should have been in the mail and received. Called credit card issuer Citibank, said card will not be sent, ss # and name do not match as entered by Best Buy employee. Daughters name and ss # but mothers name as per rewards account. Citibank said the only way to receive card now was to prove identity by mailing them copy of Mothers birth certificate and ss #. said this was not secure. Citibank and Best BUY refuse to send statement. We want to pay in full and especially before interest begins. 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 2019-09-24
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Westlake Financial Services charged me twice because of their website error, now I'm almost {$600.00} in negative balance and they will give me a refund in couple of days, in a meantime a bank will charge me {$35.00} overdraft fee and I HAVE NO MONEY TO MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill has been filed to my insurance and should be removed from my credit reports. XXXX XXXX service is the original creditor. The amount of the bill is {$1200.00}. The date of the account opened on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from 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 2018-12-14
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX and XXXX on XX/XX/2018 notified me of a 30 day late payment on my mortgage through my mortgage company Freedom Mortgage. I pay my mortgage electronically through my banking institution and have never been late with mortgage payments in 16 years. The issue is the escrow increased and I was not notified. The actual monthly payment was submitted but the {$40.00} escrow increase was not included. I was not notified of the escrow increase.

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 2019-09-24
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
THere requesting proof that i didn't have a high school diploma at the time of enrolling and i've submitted several time my transcripts ( see attach ) XXXX XXXX shows i received a certificate of completion and blue shows my GPA it even goes on tp the date the transcripts were printed underneath the XXXX XXXX to show i still to this day do not have a High School Diploma or GED per the XXXX XXXX XXXX XXXX XXXX. 
Also to add XXXX XXXX XXXX XXXX XXXX can not provide such a letter your requesting per the school Board and the State of Florida Rules. The Only thing they can provide is a letterhead that says just what my transcripts say. 

Then they ask me to get proof that i didn't do a competency test from XXXX and i did inform them that time i was enrolling they didn't ask me and when i did ty to get this info was not on file and furthermore XXXX required high school Diploma they were not a trade school and only trade schools did competency test.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
For about 10 years, Citibank has been sending me informational notices. When I have called them in past years, they told me not to worry about it or that the wrong address is no longer their system or otherwise dismissed my inquiry. 

On XX/XX/XXXX, I received a privacy notice, CRE 278 Rev. XX/XX/XXXX, Item XXXX. 

On XX/XX/XXXX, I contacted Citibank customer service. They were unable to locate my account. 

Someone has opened an account with my correct name, but using an address with which I was never associated, never used, and never visited. 

I want Citibank to locate the account with BILLING ADDRESS and send me all details about it so that I may determine the extent of the fraud.

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 2020-05-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclays customer service is NOT receiving any calls, however, I faxed to them my complaint regarding unauthorized charges on my account on XX/XX/2020. On XX/XX/2020 I received a letter stating that in order to protect my account I must call them otherwise, certain restrictions may be placed on my account. 

I called them today, XX/XX/XXXX, and they are still not accepting any phone calls. 

Between XX/XX/XXXX through XX/XX/XXXX there are numerous UNAUTHORIZED charges on my card from XXXX or XXXX XXXX. 

I do not use XXXX XXXX nor I authorized any of the transactions listed on my card.

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 2017-11-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently received a second settlement check from American express. This check was the result of a lawsuit they lost for deceptive practices. The check they most recently issued to me bounced. I then incurred bank fees for the dishonored check. I called American express they claim that they have no record of my prior gold card and that they never sent the check. I am still in possession of the check. 
Check number XXXX drawn on XXXX XXXX, XXXX NY. American express XXXX XXXX XXXX # XXXX, XXXX NY XXXX printed on the check.? routing XXXX XXXX? account XXXX {$37.00}. I am seeking the {$37.00} plus {$15.00} for the bank fee charged to my account. Reason code was refer to maker. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I fulfilled the settlement amount {$500.00} to Resurgent Capital Services L.P. for the original creditor XXXX XXXX  ( XXXX XXXX XXXX ) ; the agreed amount of {$100.00} per month for five months was collected from my XXXX account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which completed the {$500.00} settlement amount. Yet, on XX/XX/XXXX Resurgent Caital Services/LVNV Funding had XXXX XXXX XXXX XXXX send me a letter requesting additional monies for this debt. Then, on XX/XX/XXXX Resurgent Capital Services/LVNV Funding LLC had XXXX XXXX XXXX XXXX send me a letter requesting additional monies. Equally as important, I have received letters from Resurgent Capital Services requesting additional monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even though the agreed upon settlement amount of {$500.00} was paid in full on XX/XX/XXXX. But, I continue to receive threatening letters regarding this debt which was paid in a settlement of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to get the company to stop reporting incorrect information. They arent responding to my correspondence and I want to deal with the original creditor.

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 2018-03-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I signed a credit payment agreement for {$1400.00} with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I did not receive a bill from them in XXXX or XXXX. I called them in late XXXX and told them this. Apparently they had the wrong address. I corrected it and offered to send them a payment but I was told not to by the creditor on the phone. He told me that they had to give me a new account number and if I sent them a payment it would not be credited to the right account.He mentioned that my credit could be in jeopardy. 
I received a letter verifying this that was dated XX/XX/XXXX But received no bill. I received my First bill with late fees And a letter on XX/XX/XXXX stating that they can help me with my payments if I am having problems. 
I called XXXX XXXX XXXX on XX/XX/XXXX and paid the {$1400.00} in full. The woman on the phone was belligerent. I received a letter dated XX/XX/XXXX verifying that I paid in full. My credit score has since been tarnished from this. 
I got a letter from XXXX XXXX that listed THE WRONG ADDRESS THAT XXXX XXXX   WAS USING TO BILL ME IN XXXX AND XXXX. 
MY ADDRESS HAS BEEN THE SAME FOR THE PAST 18 YEARS I am forwarding 4 letters that I received from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: EQUIFAX, INC.
State: FL
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 have been calling equifax for over 2 months now trying to receive a revised copy of my credit report from the disputes that have been completed confirmation numbers # XXXX, # XXXX, # XXXX, # XXXX. I have n't received the confirmation by mail and I keep being told when I call they have mailed the letter and it will take 7-10 business days!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: IN
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:
My identity was compromised between XX/XX/XXXX ant XX/XX/XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

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 2020-05-02
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Consumer Collections sent me notification of medical debt from XXXX XXXX  for {$1000.00}. I started to pay the amount on monthly basis. After four months of payments, they sent another debt collection notice with a different account number for a very substantial amount midway between the next due payment date. The following week or so, they sent a reminder where they had combined the new amount under the original agreement and did away with the new account number. I emailed them to question the validity of their being able to do this. They would not discuss it over email. 

I will be XXXX years old, and while I was paying something on the bill to XXXX directly, it did not meet their required amount of $ 700-1000 per month, which I could do not. They charged off the debt and Consumer Collections picked it up. 

Are they able to change amount once you start paying on the original notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citibank has been sending me a late payment statement even though I pay my Bill. Sometimes they send it with my Bill.. I have called them several times and am told I did not pay my entire Bill. I called the home office and am told the bills are correct. I even paid almost double my bill at one point and still got overdue notice. This month ( XXXX ) I once again I got an over due notice after paying my bill. I have started recording conversations CitiBank employees.

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 2017-11-22
Company: Thaxton Investment Corporation
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on XXXX/XXXX/2017 I advised them to stop call me at work the called me 6 more time starting at XXXX XXXX ; XXXX and XXXX and another call XXXX XXXX at 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 2020-12-16
Company: CITIBANK, N.A.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX, on XX/XX/XXXX, CITIBANK NA/XXXX  ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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:
On XX/XX/2022, I sent a letter regarding inaccurate things on my credit report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be XXXX promptly. I demand these accounts to be corrected/updated and the payment history as PAID, NEVER LATE immediately before legal action is taken due to the stress you caused me.

Company response to consumer: Closed with explanation