BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I visited my local Suntrust bank branch to cash an insurance check for damages to my home. Suntrust was listed as a co signer on the check for {$22000.00} as I currently have a home equity line of credit with them. They have now had held this check going on four weeks with the exception of a small payment of {$5000.00} being released just this past week. Three weeks after the check was sent in and not even a XXXX of the total amount of the check. I was just notified today that it will be another XXXX days before any more funds are released to complete my repairs on said property. They sent someone out to my home today to do the physical inspection to ensure the work is being done to code and being completed. This individual had no physical ID, credentials to identify who he was and he was not even an employee of Suntrust bank but a sub contractor. He only took photos and left.

In addition, Suntrust is refusing to release the last of the funds until project is complete. I can not complete the project until they release the funds so I can pay for the materials that will be required for completion. 
Lastly, the lack of response from the XXXX XXXX XXXX department is unacceptable. As a customer, I was not given a direct number to this department, an email address or any other avenue to communicate with this department directly. The response time for this process should be no later than 48 hours from initial contact. I find the protocols for this criminal. Suntrust has held my money way too long and if it continues the way it has been it will be a two month process or longer. I am forced to self fund this project because Suntrust will not release the funds and has no sense of urgency to do so. Withholding the funds for this long should be against the law. It is not Suntrusts money to keep and they are holding money XXXX for their benefit.

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 2021-07-07
Company: Roberts Markel Weinberg Butler Hailey PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The collection agency, Roberts, Markel, Weinberg, Butler, Hailey ( RMWBH ) XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX ), used unfair practices to collect excessive charges.They did not provide proof of verification. 
RMWBH ignored the statue of limitations. 
They had Charges on their payoff statement dated back to XX/XX/2010. ( See XXV ) RMWBH misrepresented the amount owed. 
I have copies of our invoices of the amount owed. ( See XXW and XXX ).

RMWBH hired people to come to our door Threatening to seize our property. ( See XXO ) Our bank verified that there was no foreclosure on our home.

I called RMWBH many times to dispute this matter. RMWBH staff members would tell me that they do not have the information. They would have someone call me back.

RMWBH continued to delay resolution. And continued to add up their fees.

RMWBH did not verify this debt. I requested a copy of the collection agreement from the XXXX XXXX XXXX  Board and they do not have a contract with RMWBH to collect their debt.

We were deceived and mislead into paying an exorbitant amount of {$8700.00}. 
I have requested a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On several occasions I have attempted to change my repayment plan through Navient. In the past I was directed to a government website. Again today XXXX, I called Navient and first spoke with " XXXX '' work ID XXXX. She told me my spouse and I earn too much money to qualify for an income based repayment plan ( I am trying to qualify for the Public Student Loan Forgiveness Plan ). A manager named " XXXX '' XXXX repeatedly tried to direct me to a lower repayment plan- I specifically said numerous times that I want to enroll in one of the following plans : Revised Pay As You Earn ( REPAYE ) plan, the Pay As You Earn ( PAYE ) plan, the Income-Based Repayment ( IBR ) plan, the IncomeContingent Repayment ( ICR ) plan. I was told I do not qualify, and the manager keeps changing the subject. After more than 54 minutes on the phone line, much of which is on hold, I am waiting to speak with a representative based out of the United States due to communication barriers. The XXXX XXXX XXXX is trying to prevent me from applying for a qualifying repayment plan for Public Student Loan Forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Gordon & Wong Law Group, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  sold debt to XXXX XXXX who has attorney Gordan & Wong filed judgement on my house I never received the debt information I email attorney to settled for amount on lien they want to double amount I also ask them to sent me copies of debt I owe and my signature they dont have it need help selling my house and they trying to get XXXX and I suppose to owe XXXX please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: IL
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:
Once again, this has been going on since XXXX XXXX 2021. The XXXX XXXX Account do not have any account with me or for me. I have no contract with them and just learned, they do not have anything in my nor are they attempting to collect a debt in my name. Equifax is constantly stating they are working on the issue. How can you work on something that is not valid and does not exist. I have also reported this to my states attorney office as well. They can not provide a method of verification because there is no account for them to verify. They have violated the FCRA and also my rights and I will be pursuing this further. They damaging my name and reputation buy having incorrect information on my Credit. There are still 2 other complaints with you all that are open. XXXX  and XXXX  have remove the item because it does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Southwest Credit Systems, L.P.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX Tel : XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In reviewing my credit report, I noticed a derogatory claim by a company named Receivables Performance. I contacted the company and in verifying the information they had on file, the have an incorrect address. This explains why I did not receive collection notifications.

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 2020-05-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX  closed my account with XXXX balance on XX/XX/2020/I did not close this account.This was a XX/XX/XXXX card and cant be used becauseXX/XX/XXXXis closed

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 2021-07-07
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX at approximately XXXXXXXX XXXX, I logged into our Huntington National Bank checking account and discovered that four fraudulent bill pay transactions had occurred. Those transactions are as follows : 1 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} ; 2 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} ; 3 ) XX/XX/XXXX - XXXX XXXX - {$9700.00} ; 4 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} -- Grand Total is {$39000.00}. I immediately logged out of my account and drove to the local Huntington Branch to report the fraud. I was clear that we did not authorize these transactions. We never in 40 years have setup or used online bill pay from any of our accounts. HNB indicated that the online bill pay was activated on XX/XX/XXXX the same day as the first fraudulent transaction. HNB Assigned case # XXXX to my complaint. I also filed a police report. I have made numerous attempts to work with Huntington Bank for the past six months regarding this matter with no success. HNB Employees simply will not communicate or return my calls. They have denied my claim stating the reason is that the device used for these transactions was an IP address which was known to them from previous transactions not made a part of the fraud claim. I have assured them that we did not authorize these transactions nor allow access to our computer for others to access these accounts. Our passwords are not saved or given to anyone. HNB can not explain why the two factor authentication codes were not triggered for these fraudulent transaction. HNB Refuses to cooperate with the police detective or us regarding this matter and simply deny responsibility and will not return our money. They have not responded to my requests to provide complete documentation of all correspondence for this case or to provide instructions for the appeal process when HNB issues an initial denial of a claim. I believe I have protections under Regulation E and that our {$39000.00} should be returned to us by Huntington National Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: ENCORE CAPITAL GROUP 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:
Ive submitted 2 disputes with XXXX  regarding Midland Credit Management reporting inaccurate information on my credit report. I called XXXX  on XX/XX/XXXX at XXXX and spoke to a representative. I explained the inaccuracy in reporting. The above-mentioned collection company bought my debt from XXXX on XX/XX/2020 but keeps reporting the payments are 1 month late. The report needs to state 13 months late. After 20 minutes on hold, XXXX  hung up on me. 

I didnt make any payment arrangements with Midland or request any COVID-19 payment relief. Ive been in communication with my debt collectors and have negotiated several settlements during the pandemic. Ive reached out to the collection agency to settle but they havent returned my calls. I want my credit report to reflect the true and correct late history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Flagstar Bank, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened my new checking account on XX/XX/2018 in the XXXX XXXX branch, with a flyer for a bonus offer of {$250.00}. The bonus is earned if 3 recurring bill pays are set up. However, my account, since XXXX, has been unable to sign up for bill pay. I called them up several times about it and they created a ticket for it, but no one called me back as they said they would. I am being treated differently than other customers. I should be able to earn the bonus. A few minutes ago I tried again to click the sign up button for bill pay and it still says there is an error and to call customer service. This was a bait & switch.

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 2018-06-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX - Citibank charged me {$25.00} late fee, when I was a couple hours late with the payment, due to a computer problem. When I reached out to them for a courtesy fee refund, Citi refused  stating that there was already a fee reversal on this account in the past year. 
This is simply not true - the attached pictures show that there were no late fees in XXXX or XXXX preceding the late fee.

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 2018-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One Credit Card Capitol one refuses to reimburse me, even though I have done everything in my power to fix the problem they have created for me, cheating me out of money I need. 


I have contacted this company multiple times starting months ago. I am being charge LATE FEES every month since XX/XX/XXXX. I had set up minimum auto payments on this account when I opened it up late XX/XX/XXXX. 
I have emails and statements proving these facts. 

XX/XX/XXXX statement summary - {$25.00} FEE XX/XX/XXXX statement summary - {$38.00} FEE XX/XX/XXXX statement summary - {$38.00} FEE These up charged have caused a very negative effect and I have been forced to pay MORE as a result. 

The manager I spoke to said there was nothing I could do and he couldn't help me. 

Please help! Not sure what I can do and I am being taken advantage of by this company!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: MD
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:
Equifax requested a clear ID, to verify my identity. I attached the picture of my ID below. Hopeful that they will remove the inaccuracies as mentioned in CFPB complaint # XXXX, or provide a full detail in the investigation of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Commonwealth Financial Systems, 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:
Commonwealth financial systems are reporting to my credit report negative and incorrect information that is affecting my ability to improve my life and receive a fair interest rate on a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Movement Mortgage LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I XXXX XXXX XXXX applied for a loan with movement mortgage with my intentions on purchasing a loan for the purchase of my future home.. I applied for this loan on or around XX/XX/2018, and as of today XX/XX/132018 I havent closed on my home yet. I have respond to every email as well as produced everything to my knowledge that I could as well as spoke to the loan processor XXXX and the supervisor XXXX, to make this purchase as successful as possible. I made a abnormal payment of XXXX. Earnest money to secure my attempt of my purchase I have since lost my earnest money and has never been give a denial letter ... this is called to me a NEGLECT OF FUDICARY DUTIES AND I HAVE SUFFERED A GREAT LOSS. I am requesting a letter of denial as well as my XXXX. In earnest Money I have reached out to the Movement Mortage executive office several times and I have yet to speak to anyone to make this an peaceful effort I can be reached at XXXX or XXXX XXXX For more information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: The Outsource Group, Inc
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX XXXX at XXXX XXXX  ct I received a phone call from XXXX. A female representative from Medi Credit Inc. I was informed of this call from named of above dept collection company that it was attempt to collect a dept and was being recorded. She asked my name and I acknowledged yes. At this point without verifying who I was with assuming that I was that person and proceeded. She started giving personal information out and about the dept. I stopped her and informed her she was in. Violation of the confidentiality act laws without verifying who I really was. I asked for supervisor and she was denying me that right. I informed her this call is being ended. I called back talked with supervisor to give complaint. Supervisor stated she would handle it but I felt that the supovisor was not going to handle the representative in her violating the confidentiality act laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: HCFS Healthcare Financial Services of TeamHealth
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-06-23
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: SUNTRUST BANKS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company Suntrust bank who I owe money on a loan ( but is being negotiated with a debt settlement company ) called my job and my manager answered. I believe that this is illegal and will put my employment in jeopardy.

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