BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Good Afternoon, Re : Marketing offer never received : 4 months ago I opened up an account in Suntrust Bank the location in XXXX  XXXX, Fl It is near a place where I do contract work and they do direct deposit. I had an offer for a new account that offered {$200.00} after 90 days of opening a new account and having direct deposit and a min of XXXX the checking account would receive the deposit. I went over to the branch and asked if I can open the account or had to do it online. The lady that attended me said it was not problem. She said She would do all the paper work for me and after 90 days I would received the {$200.00} deposit.
Well its been 120 days now and I have asked and they are always giving me the run around. There was also a man complaining at the branch when I went also with the same issue.
I asked to speak with the manager but they would never let me talk to him. I called the XXXX # and put in a complain and they told me that I did not open the account correctly. I explained that the branch opened the account and I was told everything was fine no problem that I would received the {$200.00} in 90 days. I keep getting the run around, I complained again and was contacted by a lady named XXXX from the XXXX # and she explained that at the time I opened up the account 2 offers were going on. 1 for Branch and 1 for Online accounts. She explained that the manager would take care of this for me and I would receive my money since it was not handled appropriately. Since then the manager contacted me 2 weeks ago and said he was very busy and would call me the nest day. I have not heard from anyone and every time I call they are very unprofessional and give me the run around. I have other banks I use and I have never experienced this type of customer service before. I left several messages with the manager and never receive a call back.

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 2020-08-29
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$39000.00} -This is not my account.

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 2023-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received continued calls from Portfolio Recovery - 1 call on a daily basis and calling from XXXX numbers and local spoofing using my area code XXXX numbers. I have advised previously to stop all calls and I currently have no open collection account from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account was marked as SETTLED when I was {$100.00} away from paying in full. I did not agree to have my collection automatically settled and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
FEIN SUCH AND CRANE Attorney 's for XXXX have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since 2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX " XXXX '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 recently checked my credit and noticed a fraudulent account that I have never applied for nor authorized anyone to apply for under my name. It says XXXX XXXX which I am not familiar with.

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 2020-05-13
Company: Bread Financial Holdings, Inc.
State: OH
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:
My Comenity XXXX store credit card was transferred to XXXX in XX/XX/2020. I've always paid the card on time, and when it was transferred, it had a XXXX balance. 

I'm in the process of getting a mortgage, and my mortgage broker found that Comenity is  reporting that I have a balance with Comenity/XXXX  of {$110.00} and a past-due amount of {$32.00}. Since ( a ) I've never been late, and ( b ) the account is closed, I called Comenity to ask them to resolve it. 

After talking to 5 people, four of whom were supervisors ( and all of whom acknowledged that they didn't see any late payments or outstanding balance ), no one was willing to take ownership and resolve the issue.

Because the rate lock for my mortgage is approaching expiration, I don't have time to send a letter to Comenity and wait for them to fix the problem ( the error that is acknowledged by all of the five reps and supervisors to whom I have spoken ). Timing aside, it's incredibly frustrating that they will not take ownership and resolve their error, and that their error should require me to battle the bureaucracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing now in hopes to receive your help. Presently I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play a very important part in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2017 and I am writing this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

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 2023-02-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681, section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX Started application for refinancing home loan with current lender, Freedom Mortgage, to lower interest rate.I turned in all the necessary documents requested. 
Spoke with XXXX XXXX XXXX XX/XX/XXXX : Was told that lender officially accepted the application has started processing loan. Was told that will be closing late XXXX or early XXXX. 
XX/XX/XXXX : Was told that I was assigned to XXXX XXXX, customer advocate to assist with the processing and would be the contact person. XXXX. 
XXXX : Turned in all documents requested promptly including Quit Claim Deed and divorce decree. 
XX/XX/XXXX : Upon inquiry was told that no document is needed. 
XX/XX/XXXX : Was told that I need to turn in again signed Divorce Decree for title review. 
XX/XX/XXXX : I found out that XXXX XXXX has not provided Title Department of updated Quit Claim and Divorce Decree. I turned it in myself to Title. 
XX/XX/XXXX : By this time, it was more than 45 days since initial loan application. Was told that they need home insurance info but I told them that I am using current insurance and they have information available at their escrow dept. 
XX/XX/XXXX : I provided insurance contact information to speed up processing. 
XX/XX/XXXX : Was told I need to provide most current bank statement which I have provided on the same date. 
XX/XX/XXXX : I was told by XXXX XXXX that he has turned in file to underwriting for final approval. I thought it was already with underwriting since XXXX and they were just awaiting supplemental documents. There is still no information when the loan would close. 
My concern is that Freedom Mortgage has been hold on with refinancing so that I would continue to pay monthly mortgage at a higher interest rate. By using the current lender for refinancing, I would think that they have all the information they needed except for supplemental documents which I have turned in and don't see any reason why the loan has not been closed yet. I felt it is predatory to kept me waiting when this is a simple refinancing application. I am hoping you would assist and advocate on my behalf. Thank you. 
XXXX XXXX XXXX XXXX Lender : Freedom Mortgage Account Number XXXX Property : XXXX XXXX XXXX  XXXX XXXX, CA 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 2021-02-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are three accounts appearing on my credit report that I have been disputing and have sent multiple letters to the bureaus and they have not been doing anything about it. This is identity theft and these accounts have not been opened by me. 

XXXX  - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$13000.00} Opened XX/XX/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 2018-02-06
Company: Exeter Finance Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that I didnt authorized. Some inquiries are duplicates too. These are damaging my credit report and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I revived a letter from Gold Key stating that the debt was or will be removed from my credit report. 
Also you have not contacted XXXX to report the changes in my credit report, I would ask you to do so, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed my issue with the XXXX original debtor that claims I owe this debt of {$1100.00} for a cell phone. XXXX sold the account XXXX XXXX in XXXX. Thanks to CFPB the accounts were removed from all three bureaus. Now the account has returned under XXXX XXXX XXXX a complete new name. They can not produce any recordings or my picture ID or wet signature they just keep re-selling the account from collection agency to collection agency. For the same debt I have sent my ID and SS #. Again in XXXX same account no proof of burden and brand new collection agency. If they have so much proof that the account belong to me. Why then was the account removed from all three bureaus and re-sold again. And here we are again in XXXX once again the file has re- appeared on my credit file under a new name Enchance Recovery COL This company does not even own the file and they are trying to collect from me a debt that is not owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been charged $ XXXX+intrest charges for months by capital one, I returned all the merchandise have receipt proof and they are still not doing anything about it. I'm being charged for product I don't have!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital One took 2 additional debts out of my checking account without my authorization on XX/XX/2018. One for {$100.00} and another for $ XXXX.This Iinturn caused my checking to go in the negative. When I called the rep was telling me I made them on my app, I told them I did not and they basically said their was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, I recieved a text message on my phone, Inviting me to apply for a job XXXX XXXX XXXX XXXX by means of a XXXX XXXX XXXX XXXX. They pay offers was {$1000.00} per month for 1 year. 
On XX/XX/2019 I recieved a check for {$3900.00} by XXXX XXXX, I was asked to deposit the check and withdraw, {$3.00}, XXXX cash and pay the XXXX XXXX, and keep the rest for my advance payment. 
The next day, XX/XX/2019, I was excitedly reported to my boss, and told me I was being scam. The same day we went to the bank and reported it and make the deposit stop. MY bank was bank of America. They called costumer service and made it stop. 
The next, totally unwarranted, action by Bank of America was to close my checking ang saving account for fraud and reported fraudulent activity to XXXX and XXXX XXXX XXXX. Please help me in this matter, I have tried opening bank acct and I always get decline. I am a single mom with XXXX kids, all I want to do is to be able to provide for my kids, not knowing this will happen to me.

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 2018-02-06
Company: Talbot, Adams, & Moore, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No comment just let them this not belong to me i dont XXXX anything

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to receive repeatedly phone calls a day from these credit card companies below JP MORGAN CHASE CALLED XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: PA
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 Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with XXXX in XX/XX/XXXX in order to take advantage of a lower interest rate and to lower my payment. My new mortgage payment was $ XXXX/month. This XX/XX/XXXX my mortgage payment unexpectedly increased to {$2300.00}. I contacted the person at XXXX that I used for my refinance and was told that I would need to contact Nationstar as they were the servicer of the loan. After multiple phone calls I was able to find out that the escrow account was either underestimated, or not estimated and accounted for at all, when my refinance was processed. 
This led to me having an escrow shortage of - {$4000.00} going into XXXX. 
Due to negligence or carelessness of the company, my mortgage payment has now increased 19 % to an amount that is considerably more than it was prior to my refinance. 

Nationstar has given me the option to make a one time payment for the full the amount of the shortage, or to spread it out over the year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

The Credit Report Agency did not Deleted after the Bank send Deleted From file as you see thank you.

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 2018-02-06
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Good morning, Right now I currently have a pending transaction with Coinbase in the amount of {$650.00}. This transaction started on Monday XX/XX/XXXX when I was notified of the pending transaction. Typically these funds are available within 30-60 minutes. 

When the transaction was not finalized after 48+ hours, I submitted a help ticket through their website on XX/XX/XXXX. Case number # XXXX was assigned to my account. 

I first received an email on XX/XX/XXXX stating that my help ticket was received, but it may take a few days for a further response. 

I next received an email on XX/XX/XXXX from XXXX asking for screenshot pictures from my account of the transaction and where it was still shown as " pending '' and not completed. 
These pictures were sent on XX/XX/XXXX back to XXXX. 

I received another email on XX/XX/XXXX saying my photos were received and that they would be in touch when they have an update. This was the last response I have received back from Coinbase. 

I sent ( 2 ) follow up emails ( on XX/XX/XXXX and XX/XX/XXXX ) and have not received a response. I also called their customer service phone number but was not able to speak with someone ( I was at work and had to hand up after 50 minutes on hold )

Company response to consumer: Closed with explanation