BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-24
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an Invoice from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, PHONE XXXX XXXX XXXX, FAX XXXX XXXX XXXX with the invoice number XXXX on the XX/XX/XXXX, in respect of shipping XXXX XXXX XXXX to XXXX XXXX and the amount due for the shipment is {$2800.00}. The banking detail information shown on the invoice is SUNTRUST BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX. XXXX, ROUTING XXXX, BENEFICIARY NAME. XXXX XXXX XXXX. On XX/XX/XXXX at about XXXX I went to SUNTRUST BANK located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX and made a cash deposit of {$2800.00} into the account information above. On calling XXXX XXXX XXXX XXXX for the confirmation of my payments, it was cleared that the invoice send to me via email has been hacked and the banking information modified. I quickly rushed back to SUNTRUST bank about this circumstances. After series of telephone conversations by the cashier who received the money from me, I was asked to come the next day which I did and nothing significant came up and I was asked to come the next day again which I did and it was that day, they said I should go to the Police for compliant. I went to the Police nearest to the bank, the officer at the counter said for the fact the I am residing in the county it 's the duty of the county police. I went to XXXX county police department and laid my complain. And this is the incident report number XXXX. I took the report to SUNTRUST bank with the hope that the report will oblige them to let me have my money back. They simply told me that they do not have the power to refund that money back to me. 
XXXX XXXX XXXX XXXX denied knowing the account information on that invoice that was send to me via their email. Please, kindly use your good office to intervene for me to enable me get my money. I have the deposit slip with me and the invoices from XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted several times to make a purchase for {$2500.00}. I had well more than what was needed to make the purchase available. The transaction was declined the first time. I called Wells Fargo and verified the last 10 transactions and confirmed my identity through various checks and was told I could now make the purchase.

I tried to make the purchase again and it was declined. I went through the same process as above and was told I can now make the purchase. This happend 4 times. Finally after being on hold for 25 mins, I was transferred to fraud protection.

Fraud Protection told me, after verifying my identity ( which included a question I accurately answered about a car I owned 25 years ago, what items I was purchasing and why ) that they could not remove the security hold and that I had to go to a branch to make this purchase. They said that I had no history with this merchant. That is patently false as I made a purchase with this merchant as recently as last month. Last month they removed the security setting so that I could make the tranx and then put it back on.

I 've gotten multiple hold on this account almost weekly even for purchases as small as {$50.00}. In this case they would n't remove the security settings. I called back again, verified my identity and was told I could make the purchase. In fact, the purchase still wo n't go through. At this point, I lost the sale, ie. the items are no longer available.

The bottom line, they refuse to let me spend my own money even after verifying my identity to their satisfaction according to their own criteria. I had this account for many years with no problems caused by me ( no over drafts, etc ) and they still have the tighest security on it.

Please 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 explanation
Consumer complaint received 2019-10-21
Company: MARINER FINANCE, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Mariner finance continues to harass me with phone calls at home and work even though I have been to there place of business 2 times and asked they STOP calling me. This is Mariner Finance in XXXX Tennessee

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 2019-10-14
Company: EQUIFAX, INC.
State: NV
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 submitted a fraud identity report from the police department as well as a FTC Idenity theft report I also uploaded documents via CFPB portal to all 3 credit bureaus advising that these 3 medical accounts are not mine I submitted my health insurance card and also my XXXX visa card with over XXXX for medical expense I have been insured for over 6 years with the same health provider. these are not my medical accounts and I want these items removed ASAP if you r bureau has already removed please disregard. please review recent documents submitted by the CFPB in refrence to these accounts XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CITIBANK, N.A.
State: NY
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:
I went into a branch location to make a cash payment. The teller told me I can only make a cash payment at the ATM with my PIN number. This morning I communicated with a Citibank representative via online chat to get my PIN. I was given a 1800 number to avoid a delay of 7-10 business days for the PIN to be mailed. I called the number and the representative transferred me to another person, however we were soon disconnected. I then called back the same number and I was told I had to receive my PIN by mail. I then requested a supervisor. The supervisor told me the same thing ; however, she could not explain why I was told by two representatives that there is another way. 

It is ridiculous that I am having trouble trying to make an early payment in cash. This is poor customer service and a waste of my 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 2018-01-10
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Creditor " XXXX '' sold this debt to Diversified Consultants they also wrote off this debt on their taxes which wrote off obligation to pay. Disputing this item being the contract was cancelled. I have no contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: EQUIFAX, INC.
State: OH
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:
There are numerous hard inquiries from XXXX. They are on all 3 of the credit reporting agencies about me. I went into XXXX XXXX with a pre-approved loan in-hand. I never authorized/signed any loan application while I was there. I see 9+ inquiries on my report that I never authorized, including one directly from the car dealership itself. I'd like to get these hard inquiries removed. XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am in a loan modification trial that was approved by XXXX XXXX not Seterus ( the servicer ). I am receiving statements that my loan is behind and the payment I made on XXXX is being held in a suspense acct. So now I am going to show late on my credit report which should be corrected.

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 2019-10-14
Company: DISCOVER BANK
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I Got a fraud call from XXXX XXXX - XXXX XXXX XXXX at XX/XX/XXXX @ XXXX XXXX EST, asking for my VISA or XXXX or DISCOVER Card numbers to decrease credit limits. 
I said you are a fraud, and i am not giving any details - ( I worked for VISA so i recognized it as a fraud call ). 
Then i was shocked, when he gave my Discover Card Balance and  other details. 
Then he said he is going to closing my account. 
I said this is not possible. 
Then he said he have complete details of Discover card to close them. 
Then i disconnected the call to contact Discover. 
Meanwhile i receive a call from another number XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, same person laughing and told my Discover Card account is closed. 
I was Shocked and immediately contacted discover support @ XXXX XXXX EST over Chat, and later @ XXXX XXXX over phone ), to report this fraud. 
To my surprise Discover Card Support said my account is closed few minutes back, and i said i haven't requested for it, and explained them what happened earlier. 
XXXX from Discover Card support said " we understand your concerns but they can not do anything as the request came from my phone number ''. 
I said this is a fraud call, and i want to escalate this, and fix this issue ASAP. 
XXXX from Discover Card said they can not do anything, and said he will send this details to accounts department. 
I asked for a ticket number, XXXX said he don't have Ticket number, but said this conversation was started on a Memo line XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I file a dispute with TransUnion, XXXX and the XXXX XXXX XXXX XXXX. A debit that is over the seven years is still reporting to credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: McCarthy, Burgess & Wolff, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I call this office in an effort to settle the debt in around the first week of XX/XX/XXXX. I acknowledged the debt. However I was met with harsh language and threatening comments. After much harassment and threats I made an agreement to pay {$100.00} per month starting XX/XX/XXXX.and a payment of {$60.00} in XX/XX/XXXX was agreed upon. He stated that if I break the agreement I would lose what I paid in. On Thursday XX/XX/XXXX he { XXXX XXXX } called back making threats that I need to get a lawyer and there was no agreement made, and there was nothing in writing, and that the debt was due in full that day, and no other arrangement will be accepted that it must be paid in full. He continued to be little and speak harshly to me still denying that there where any prior arrangements. 
He has made several derogatory statements making my efforts to reason with him impossible I do not want to put up with being yelled at and him raising his voice in a confrontational manner. I have never been disrespected in this manner before. Also I had a recent letter stating that I had other options of paying this debt but he refused to acknowledge the letter from the original creditor.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, 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:
Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX  are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my EQUIFAX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX/XXXX ACCT : XXXXXXXXXX XXXX : {$1000.00} XXXX/XXXX   ACCT : XXXX AMT : {$3400.00} XXXX/XXXX XXXX XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX   ACCT : XXXX AMT : {$3000.00} XXXX/XXXX ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX AMT : {$640.00} XXXX XXXX   XXXX ACCT : XXXX AMT : {$700.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$800.00} XXXX/XXXX ACCT : XXXX AMT : {$660.00} XXXX/XXXX XXXX XXXX ACCT : XXXX AMT : XXXX As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/2019 XXXX XXXX-XX/XX/2019 XXXX XXXX-XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I began a checking account with Citizen 's Bank at the beginning of XXXX. On XX/XX/XXXX I checked my balance and saw a debit for {$1900.00}. I immediately called the bank to inquire and they notified me that this was taken out of my account to pay for a student loan that I have with them. The loan was taken on XX/XX/XXXX through Citizen 's Bank. I did not graduate undergraduate school until XX/XX/XXXX. I spoke with a supervisor named XXXX who told me that all of this is legal and protocol and that I should've been notified that this would happen but I absolutely never was. They had the wrong address on file for me and a phone number that I nor any of my friends and family have EVER been associated with. Up until today, I have gotten 0 letters, emails, or phone calls about this matter. XXXX told me that I should've been notified but I never was. The woman I spoke with, XXXX, before talking to XXXX told me that these loans don't have to be paid on until I graduate undergraduate school, but XXXX told me that it was defaulted on XX/XX/XXXX, one year before I graduated school. I should not have been taken advantage of this way. I should've been asked or at the very least notified that this would happen. They don't have my correct graduation date, phone number, address, or anything on file for me. I would like this money back in my account immediately and would like to arrange a payment plan to pay this loan off. I am currently voluntarily paying towards my student loans outside of Citizen 's Bank because I want to pay my loans off sooner than later, but had no idea that this one had to be paid off otherwise I absolutely would've been. I check my credit religiously and I would think that if a loan defaulted, it wouldshow up on there but I have seen nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I mail payments to my local First National Bank branch to pay my HELOC second mortgage. In both XXXX and XXXX the check cleared but the payment did not appear on my statement. I caught the mistake reviewing my statement and called the branch. They told me that the payment had been misapplied and the problem has been fixed. 

This happened a total of four times in 2016. 

I 've had to go through the process of notifying the branch of their mistake each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was destroyed in a fire on XX/XX/2021. My insurance company issued a check for the policy maximum within a week and I had to send it to my mortgage company. It took more than 6 weeks to get them to issue the first check, I had to go as far as to reach out to the Virginia attorney general to get them to release some money. 

Now they are holding the final 1/3 of the money, the house is not finished because I dont have money to pay to get the crew to work again, and I cant get a certificate to occupy the home because its incomplete. My insurance company will only pay my rent for a short time longer, at which point Im either homeless or I have to pay out of pocket to find a different place to live. 

The mortgage lender is PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: LendingUSA
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:
I made an agreement with Lending USA to pay off my account in full when I told them that i needed credit consulting due to a hardship. I called back to pay the {$1500.00} that was agreed. Intermittently the account was sent over to their collection agency and I was told Lending usa could not help me. I was told by the collection agency that they would report it as paid to Lending USA and it would reflect as paid on my credit report in 30 days. It has been 4 months and after 3 disputes its still showing as a charge off in my account status portion of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Navient Solutions, LLC.
State: CO
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:
WE GOT THIS PHONE NUMBER FROM XXXX, AND NAVIENT KEEPS CALLING US. WE ARE NOT THE PEOPLE THAT THEY ARE TRYING TO FIND

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
5/3 bank jerked me around on a short sale on my home. They took much longer then promised and caused the buyer to walk. They then offered me a deed-in-lieu. I signed all the paperwork, appraisal was done and received by me stating to go ahead with the deed-in-lieu. Asked for an update in XXXX and was told that it was awaiting HUD approval or denial. Got told yesterday that they had closed my file on XXXX XXXX with no resolution from HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is now the eighth time I am reaching out about this same issue. There is a remaining balance on the credit card that DISCOVER closed because I had filed a dispute for identity theft against them. Remove and delete the remaining balance. There was no reason to close the card as I had exceptional and on time payments on the card for two years. As a result, I got cut off from credit that I had been using to make several everyday payments that I was no longer able to make because my credit card was closed. Because every extension of credit originates from my social security, also known as my open end credit plan, I am the original creditor of every extension of credit and debt obligation. Therefore, I am deferring the debt back to DISCOVER who is misrepresenting me, the original creditor. DISCOVER claiming that they are the original creditor is abusive, deceptive, and misrepresents me as a natural person and the original creditor who is giving DISCOVER life as a corporation. Pursuant to 15 U.S. Code 1692, " means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. '' Pursuant to 15 U.S. Code 1692a, " The term 'debt ' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' Notice, debt is an " alleged '' obligation. To " allege '' means to claim as true with or without proof. Pursuant to 15 U.S. Code 1692a, " The term 'consumer ' means any natural person obligated or allegedly obligated to pay. '' Again, as my social security is where all credit extensions and debt obligations originate, I am the original creditor. I am now deferring the debt back to DISCOVER. Pursuant to 15 U.S. Code 1692k, " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; '' As DISCOVER has violated me, deceived, and abused me as a consumer, original creditor, and natural person, they are liable to compensate me for the violations made. Congress protects me under these laws as a natural person against corporations who abuse consumers like DISCOVER. Please remove the remaining balance from my account, report positively to consumer reporting agencies about the deleted debt, and compensate me in an amount equal to the sum of damages done to me.

Company response to consumer: Closed with explanation