BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
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 is reporting incorrectly a charge-off on XXXX  partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) On or around 1995 I had a cable company give me a unit for a trial period. I cancelled the membership and made arrangements for the company to pick up the unit that I was trialing. The company failed to pick the item up. After numerous attempts to contact someone at the company, they finally came to pick up the unit a few weeks after I initially cancelled the membership. I was told they would credit my account however, they never did. When I sold the property and moved, I followed up on this account to ensure it was in fact credited. I unfortunately do not remember the name of the company as it was so long ago. This incorrect reporting of a charge-off account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or around XX/XX/XXXX Original loan debtor transferred her interest in the property to her brother due to her illness. On XX/XX/XXXX, Original loan debtor passed away. A probate was opened thereafter and an order naming maternal brother the Administrator was approved by the Judge on XX/XX/XXXX, which expired on XX/XX/XXXX, and reissued for the purpose of finalizing the Loan Modification. A modification was submitted on XX/XX/XXXX and approved for a trial payment of 90 days. Thereafter a final modification was approved on or around XX/XX/XXXX. 

However, the Mortgage Company : XXXX XXXX XXXX XXXX XXXX and/ or their agent Servicer : XXXX XXXX XXXX ; failed to respond to the proper notification of the probate court to place the mortgage within the Estates name, even after several notifications and follow up, phone calls from XX/XX/XXXX until present 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 explanation
Consumer complaint received 2019-09-09
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: Account status incorrect

Complaint:
For the past two years, I have been denied credit due to what was reported to the companies for which I applied too, and the information on my credit report ( once I received it ) wasn't what the companies reported was given to them by the credit agencies. The Credit reports came from Equifax and XXXX, but there was not form to resubmit to the credit reporting agencies to inform them of what was occurring with the incorrect information. However, since that time I've been recently denied credit again, althought ; since the denial I've had unpaid hospital bills due to being put into a unpaid status unjustly at my place of employment, which probably has lead to negative issues on my report after XX/XX/2019! However, my credit score took a 100 point dive for some unknown reason prior to my unpaid medical issues recently! Nevertheless, I did receive a settlement notice from one of the credit reporting agencies that my credit information may have been compromised, which I suspect that it has been compromised with both of the agencies by the issues that I've been having over the years with my credit, after having Excellent credit for many years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called repeatedly, indicating we have a debt with XXXX. They insist on asking for date of birth and social security number and advise calls are being recorded. I state to them we have no debt to that company, and if so, send the support to us so we can review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Early Warning Services, LLC
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:
XXXX XXXX XXXX stated they blocked and or removed the fraudulent accounts from my XXXX XXXX XXXX  Reports however they did not. There are several inquiries listed on my XXXX XXXX XXXX  Report. One of Which is from XXXX XXXX and shows that an account was opened on XX/XX/2017. I have not ever opened any accounts with XXXX XXXX at all. These accounts if they were attempted to be open or opened are fraudulent. I did not apply for any accounts or services from this bank. Additionally there is an account on there from XXXX XXXX which i did not apply for nor have i received anything from this bank and this account is Fraudulent as well. 

Additionally i have not attempted to open a bank account in almost 4 years. There are inquiries listed on my EWS report from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I did not authorize any of these inquiries i haven't attempted to open a bank account either i want all inquiries listed on my report blocked. I have reported this to XXXX Police Department. Additionally you have addresses on there that are fraudulent as well XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX, I contacted Discover and explained to them that I am XXXX years old and my daughter is willing to help me out with a lump sum settlement. I explained that I have no assets and live on my social security only and that I will have no choice but to stop making payments or go into a bankruptcy. I was told by the representative and her supervisor that there are " no programs available. '' I informed her that I can not make the payments and I am willing to pay a lump sum and settle or stop paying and she said she noted the account but there is noting she can do. Her name is XXXX. I did not speak with her supervisor. I have made a good faith effort to settle this debt at XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: AES/PHEAA
State: NC
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:
My XXXX loan was consolidated with out my knowledge and are now being serviced with XXXX XXXX. I was told my loan would be forgiven due to being a government employee and my income and went a year with no payment. A year later I received information that my loan payment would be XXXX monthly. I have contacted XXXX XXXX regarding my loan and have been told there is nothing they can do to help me. I have made payment to them to keep them from reporting negatively to credit! I was not told that according to my tax documents I had XXXX dependents and then when they reviewed my loan it was discovered I only had XXXX dependent. I have NEVER reported the the IRS I had XXXX dependents. XXXX XXXX has not provided me with any proof that I gave them or anyone else permission to consolidate by loans through them ... ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
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:
In my Equifax credit report there is one fraudulent account reported by XXXX. I filed a police report and submitted it to all three credit reporting agencies and two of them XXXX and Equifax   immediately block the fraudulent account from my credit report. Equifax refuses block the fraudulent account from my credit report and keeps stating that they have different policy. I have been speaking with Equifax customer representatives months now from fraud department, from regular department which is located by the way outside THE UNITED STATES in XXXX, XXXX. ( My personal information was exported to foreign country without my knowledge or permission ). 
Please, help me to resolve this issue. I am a victim of a fraud and the account that I was disputing with Equifax is a result of fraud and Equifax denies to block that fraudulent account from my credit report in order to show the true worthiness of my credit file.As a result of that I was recently denied for credit and for a job. In last 6 months I was contacting with Equifax representatives twice a month and they always were asking me to send Identity Theft Police Report, FTC Victim Fraud Affidavit form, my state ID card, my Social Security card and after providing all of this informations I lost my hope today that Equifax is going to block the only fraudulent account from my credit report. 
Please help me. I do not have anywhere else to go or to complain. Why the other two credit reporting agencies XXXX, XXXX XXXX have verified with creditor XXXX that it is a fraudulent account and deleted that account from my credit file but Equifax still playing a game with me. There is suppose to be one federal law for all credit reporting agencies regarding how to handle cases with fraud on behalf of consumers. Why Equifax is different in processing this kind a disputes. Please help me to get this fraudulent account removed from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Union Bank Claims Operations completely failed to assist me in recovering funds for three transactions totaling over {$1100.00} for goods not received. I have been trying to get the resolution since XX/XX/2019. I have been bounced around for many weeks and I am still without the goods and money. On numerous accusations, I have been told that they do not offer protection for the debit card with the MasterCard logo used to pay for goods in cases when goods are not received. They offer zero consumer protection.

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 2019-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Three years ago I paid off a practice loan at Bank of America. I went to refinance the mortgage on my XXXX  hospital through XXXX XXXX, There is still a lean on the property. This came to light during the title work by the title company. I am being told that the payoff was credited but Bank of America never closed the loan or removed the lean. Now they say it will be 60-90 days and there maybe additional fees. 

I will loose my commitment fee, {$1500.00}, I am paying XXXX a month more in interest ( the difference of 4 % interest. My loan may fall apart due to this delay. 

This is due to gross negligence on the part of Bank Of America. People should be very cautious about doing business with this lender.

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2019-01-14
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called into Freedom Mortgage for the last 2 weeks in hopes of getting a 6 month unemployment f/b due to the fact that I am unemployed. I am actively seeking employment and have a new job offer on the way. I was requesting the mortgage company speak with my girlfriend. I sent in a third party authorization several times. The company told me that it was received. I had my girlfriend call in on XX/XX/19 after speaking to XXXX at ID XXXX he told her he can't speak with her and hung up on her without any explanation. Freedom mortgage please review the call. XXXX was not knowledgeable, did not have basic information nor could he direct us to receive any information. We called back and spoke with XXXX at XXXX. XXXX verified the callers, received authorization from the account holder to speak with my girlfriend and proceeded to transfer us to loss mitigation to request an unemployment forbearance. Upon speaking with loss mitigation we spoke with a rep named XXXX XXXX who was less than helpful. XXXX did not appear to have knowledge on any of the products being offered. She proceeded to offer me a repayment plan in which I could make the full payment plus the arrearage spread out over 3 months. I kept explaining to her that not only could I not make the regular mortgage payment, there's no way I could get on a repayment plan until I am back working. She contradicted herself several times on what assistance could be offered. When I requested to speak with a supervisor she declined and said she would put in a request for an unemployment forbearance and I would have to wait 7 business days to see if I'm approved. In the meantime we have wasted weeks of our time with a servicing shop that is not knowledgeable and can not assist us with the help that we know is available to us. An unemployment forbearance is in place for borrowers who are unemployed. It's a short term assistance offer. At the conclusion of the forbearance the hope is that we may enter into a loan modification to cure the delinquency. At that time the borrower will be gainfully employed and able to make the mortgage payments and stay in good standing.

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 2018-02-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have many new accounts with XXXX XXXX. And just a few weeks ago the Bank closed all my accounts, I then received several letters in the mail, each letter was identical in its explanation. The letter pertaining to one of my accounts said that my account was closed for Dishonored payments on other accounts. All of the letters stated the same thing. However I was a victim of identity theft and fraudulent accounts were opened in my name at the same Bank. I reported these fraudulent accounts to the Police, FCRA, Attorney General Office, and the Federal Trade Commission. 

I have never had a dishonored payment on these new accounts. Since these accounts are new I never even received a billing statement or due date. However I did make payment on accounts that I did use, example my PayPal extra master card. I paid it in full and that was the only account I got to pay that hat a due date. 

This company is getting these accounts confused with the other accounts that were fraudulent. This company has totally destroyed my credit report and score. I have every documented letter from the fraudulent accounts that this bank sent to me. This company asked for many different pieces of identity to mail them. I complied and mailed them all documents. Apparently when they received my documents I was told by another XXXX  Specialist that they were confusing fraudulent accounts with my current accounts. My current accounts were never late and again I just opened these accounts a few weeks ago. Even before I got to use some of these accounts the bank put a temporary block on my account. 

This is really ridiculous and what they did to me, and how they clearly destroyed my credit reports. This company has made so many mistakes. Mixing up closed accounts and saying I dud not make on time payments, I have evidence and recorded conversations from Their XXXX   team stating I do not have any billing statements yet, I also have proof from customer service along with names, dates times and phone numbers. 

I want this bank to fix my credit and reinstate my credit, or fix the mess they made on my credit reports

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 2021-07-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I AUTHORIZED A TRANSFER FROM MY CHECKING ACCOUNT TO PAY A CREDIT CARD BANK IN THE AMOUNT OF {$500.00} ON XX/XX/2021. I NOTICED THAT THE FUNDS WWERE NOT CREDITED BY THE CREDIT CARD BANK AS BEING RECEIVED. WHEN I CHECKED THE BANK FROM WHOM THE FUNDS WERE WITHDRAWN FROM MY CHECKING ACCOUNT, THEY COULD NOT PROVIDE A CONFIRMATION NUMBER OR INFORMATION ON WHERE EXACTLY THEY TRANSFERRED THE MONEY. I HAVE BEEN KEPT ON HOLD FOR OVER AN HOUR WITH THEIR REPS WHO CAN NOT RESOLVE THE ISSUE. I CALLED THE BRANCH WHERE THE ACCOUNT IS HELD AND THEY ALSO CAN NOT PROVIDE ME WITH NO INFORMATION ON HOW THE FUNDS WERE TRANSFERRED TO AND COULD ONLY SUPPLY THE NAME OF THE CREDIT CARD BANK WHICH INFORMATION I HAD ALREADY. IT IS NOW OVER A WEEK LATER AND I HAVE BEEN CHARGED EXTRA FINANCE FEES BY THE CREDIT CARD BANK AS WELL FOR NOT BEING CREDITED WITH THIS PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Im writing this letter to report that my credit card with Citibank are illegally being monitored. 

I suspect someone have illegally accessed my personal information and track my credit card activities without my permission. 

I received 3 Robocalls from Citibank since Friday, XX/XX/2019. 

This activities are ongoing and needs to be stopped due to privacy violation.

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 2018-05-11
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My phone/wallet were stolen at a concert and my phone was used to order XXXX through my XXXX. I disputed the charges with XXXX and they found it was indeed fraud and refunded my money. The original charges were on XX/XX/XXXX and the overdraft fees were applied on XX/XX/XXXX. The XXXX charges put my account into the negative and I was given 5 separate NSF charges of {$38.00}. XX/XX/XXXX XXXX resolved my complaint and refunded the charges because they found it was fraud. I explained to my bank, BBVA Compass, what happened but they said because I had already disputed the charges with XXXX and they had already reimbursed the money, they could not put in a dispute for the overdraft fee 's. They are saying that it is XXXX 's responsibility to reimburse the charges which doesn't make any sense because it wasn't XXXX that charged me the fees. XXXX provided me with a letter for BBVA Compass explaining that the charges were fraudulent " This letter is to confirm that they did not authorize the transactions that caused the NSF fees. ". I have spoken to 5 separate managers at BBVA and even had a conference call between XXXX and my bank during which the representative from BBVA ended up just hanging up on us. XXXX is sending me a copy of the recorded call so I have evidence. After nearly 4 hours on the phone they finally gave me a " goodwill credit '' for 3 of the charges but I have explained to them that they are literally profiting from Fraud. I have been with them for 10 years! I honestly do not know what I could have done differently but I am now out {$190.00} and they can not get away with this! Please look into this and let me know if you need ANYTHING from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
excessive bank fees, ,over charging on my checking account i had a late pay from work they charges me XXXX in overdraft fees i ask them for help and they said that was their policy

Company response to consumer: Closed with monetary relief