BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: BB&T CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BB & T has failed to act in good-faith to recognize the rights of, communicate with, or provide loss mitigation to the Successors-Of-Interests of an inherited property subject of a conventional mortgage held by their institution. On XXXX XXXX, XXXX BB & T initiated a foreclosure proceeding against the property naming the Successors-Of-Interest as parties for alleged default. 

This court initiated action by BB & T acknowledges in their complaint personal knowledge of key material facts including : the XXXX of the borrower, execution of a recorded transfer on XXXX  deed and affidavit in accordance with state law, and the name and whereabouts of the Successors-Of-Interest. Despite this declared knowledge, BB & T has provided no good-faith effort to acknowledge the Successors-Of-Interest rights, communicate with the Successors-Of-Interest directly, or provide notices of default, acceleration, or loss mitigation options to the Successors-Of-Interest to preserve their rights prior to filing for foreclosure.

BB & T was first notified by the Successors-Of-Interest of the XXXX of the borrower in XXXX XXXX by first class mail. BB & T or its agent/representative was additionally notified during a face-to-face property inspection performed by or on behalf of XXXX on or about XXXX XXXX. BB & T has been provided relevant documents via mail to include : XXXX XXXX of the borrower, obituary of the borrower, transfer on XXXX deed and affidavit transferring interest to the Successors-Of-Interests, and the last will and testament of the borrower. 

BB & T has not provided confirmation of receipt of said notices and/or to refuse to communicate with the Successors-Of-Interests due to lack of confirmation. This last occurred via telephone on or about XXXX/XXXX/XXXX. BB & T requested the information be resubmitted on XXXX/XXXX/XXXX. This was completed on XXXX/XXXX/XXXX via fax and will be additionally included with this complaint. 

BB & T has accepted payment from the Successors-Of-Interest since the XXXX of the borrower without issue. As of XXXX/XXXX/XXXX Successors-Of-Interests believe no default in payment exists despite such claim in the foreclosure complaint. BB & T refused to provide any information regarding this claim upon telephone request XXXX/XXXX/XXXX. 

It is the position of the Successors-Of-Interests that regardless of any claim of nonreceipt by BB & T of prior notices -- BB & T acknowledges personal knowledge of the XXXX of the borrower and the existence of the Successors-Of-Interests in their foreclosure complaint. Failure to attempt to offer loss mitigation options to the known Successors-Of-Interests prior to the filing of a foreclosure complaint seems contrary to the public interest and established regulations, interpretations, and law. 

It is the intent of the Successors-Of-Interests to act in good faith to resolve any issues related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Consumer Collection Management. Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon moving out of the XXXXXXXX XXXX, I was not notified about any outstanding charges or bills. 

On XX/XX/2021 I received a collection bill from CCM for {$130.00} with an account # XXXX. I have no idea what is owed to XXXX XXXX since the account # CCM reports is # XXXX Is this collection attempt a mistake? I have disputed this supposed collection through the credit bureaus and a direct letter to CCM.

The bureaus responded it was verified, what was verified?

CCM never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions 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:
Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the XXXX XXXX and Experian regarding this and they still haven't remove these accounts from my profile. Also, there are a handful of credit inquires on my credit that i did not authorized. This is affecting me from getting my house for me and my kids. I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to file bankruptcy XX/XX/2011 due to my partner stealing money from our company. That caused me to have to put my home into the bankruptcy as it was collateralize for a business loan.  On or about XX/XX/2015 , I hired the XXXX  XXXX XXXX  XXXX XXXX , XXXX , to represent me.  During the bankruptcy, we were able to talk to the bank ( TD Bank) and reaffirmed the loan and started a loan modification .  XXXX XXXX   office  assigned me a foreclosure attorney  XXXX XXXX, to help me .  I signed the loan modification XX/XX/2015 , under duress of a short notice to accept the bank offer for a loan modification. I was and in fear that i would lose my home.  I made the payments on the loan modification as agreed from XX/XX/2015 to XX/XX/2017 .  During the that time i paid the home insurance until XX/XX/2017, until we were told that the bank had paid it , in XX/XX/2017TD bank began returning my payments to me saying i was in foreclosure .  Upon investigation i found out that they accelerated my back due monies, that were suppose to be a balloon payment at the end of my loan modification, had sent me statements to pay thousands of dollars to avid foreclosure.  I called and documented every step telling them that they violated the loan modification and i was paying as agreed.  Every attempt to reach someone to discuss it was refused.  I then received a foreclosure notice XX/XX/2019 .  I have documented and attached everything.  I am have been subject to extreme stress and financial expense. The bank has violated may laws and our agreement and i need help.  I have hired additional attorneys and had to borrow money in fear of again losing my home to TD Bank.  I believe they purposefully defrauded me, mislead and confused me in order to falsely put me into bankruptcy to obtain my home.  I need help bringing them to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently realized I lost my check card, and upon checking the account, I noticed Check Card transactions which were not mine. I called my bank, Regions, immediately to report the fraudulent transactions. I received an affidavit form back, which they did not ask me to sign. In addition to the fraudulent transactions, they included several transactions which were actually mine. I faxed the affidavit form back with the appropriate corrections. 

I just received a letter in the mail dated XX/XX/XXXX, stating that the bank has determined not to provide me a credit for any of the fraudulent transactions ( see attachment ). This is a clear violation of the Electric Funds Transfer Act, which limits my liability to {$50.00} on transactions I reported as fraudulent, because I contacted my bank within 2 days. 

Additionally, the bank charged me a {$250.00} excess activity fee on XX/XX/XXXXbased partly on these fraudulent transactions. Approximately one year ago, the Bank had charged me an excess activity fee based on their attaching my debit card to the wrong account. At te time, they mailed me a letter saying they were changing my account type so I would not be charged this fee again. 

Inexplicably, they charged me an excess activity fee this time for transactions which were not even mine!

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 2022-03-08
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, XXXX we were pre-approved for a home equity loan from Discover Home Loans, after an initial phone call with an agent. 

That same day, we received a list of items to upload to the portal to start the formal application. 

For weeks, we received requests for more documents -- sometimes the requests were for documents already uploaded once. Each time, we uploaded the documents, as requested, but were concerned that it seemed like there was a glitch in the system. 

Finally, we received a number of emails from the assistant of the personal banker assigned to us that everything looked in order and they would be forwarding to the underwriter.

But then requests continued, and often did not make sense. For example, requests for W2 forms despite the fact that they knew we were self-employed.

One of the last straws was when the underwriter 's manager made a false assumption and arbitrary decision to omit some of my Schedule C income because I had moved to a
different state, so my income from the prior state must have stopped. This false assumption continued even after I explained that my work as a consultant was the same no matter where I lived. I had a long-standing contract with the same company and the same income level. My Schedule C income was the same in XXXX, XXXX, XXXX and XXXX. I offered to share a copy of my contract, but they were not interested.

The very last straw was speaking to a personal banking supervisor who could not track what was happening, and kept referring to the wrong documents in his attempt to back up the underwriters. It felt like gaslighting. He mentioned that they had closed the file in XXXX, and there was nothing more that could be done. But it was XX/XX/XXXX and this was the first I had heard of it. Indeed, I had had at least 4 phone calls with the personal banker, attempting to rectify their errors, and it had never been mentioned.

Truly, an unimaginable nightmare with Discover Home Loans which wasted hours and hours of my time. I am left to wonder whether it was some form of discrimination, a scam, or some other unethical/illegal thinking that drove this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted numerous times and have disputed information pertaining to my experian credit report. I have requested that the above credit reporting agency provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in 2017 and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my 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 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is reporting on my credit bureau that I had a loan or lease with them and it was repossessed I have try to get them to remove it from my credit because I never had a loan with them or authorize a loan with them they wont provide proof that I open a loan With them on top of that I dont have a motorcycle license so how can I drive it Show proof or Remove from all my credit burea because this is fraud and I never opened account and I should be penalized for it I just had to have my credit report fix because it got tied to someone else in California showing I had credit cards and multiple auto loan and a home loan

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 2020-07-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was laid off in XXXX of XXXX and was trying to make sure I pay all my debts in time. Amex has shown no interest to help with the interest rate issue. Im trying to make more than the minimum due and have called multiple times starting from XX/XX/XXXX till XX/XX/XXXX to request and plead interest charges waived but they keep saying its our policy and we will not waive any fees. Ive been a customer of theirs for over a decade and during this time of crisis Im asking a little help but they were not making any effort to help me out and said to write letters to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So it starts with XXXX, I was on there and I saw this newspaper that I thought I really liked and signed up for it for like a month, through XXXX. But I dont have access to that XXXX account. So the newspaper keeps charging me every month now for several months, that I cant turn off because I cant access XXXX to turn it off and Ive tried logging in and Ive tried contacting the company directly and Ive even talked to cash app support about the charges on my account to have them refunded or remove and they are unable to help me because even if I change the debit card number that I used when I signed up the company can still force the subscription payment, via cash app support. But I have no way to turn off that subscription or supposed subscription from The XXXX. I have no access to that XXXX account either. I tried going through normal channels and I dont like to make complaints unnecessarily but this is a messed up situation and seeing as how the company can force a charge on an account they dont have a debit card number for seems ridiculous. I feel that Im being taken advantage of as a member of our society that is not necessarily the most advantaged. This is not my first problem Ive had with cash app overall Ive had a payment of {$750.00} Go away in cash app support has no phone number so I can call them and waiting on them to respond by email to days in weeks and eventually I lost track of it because I had stress in my life to deal with. They then closed that account altogether so I couldnt access that money ever again apparently. Cash app uses poverty as a means to take advantage of people. Youre not the only ones of course. But they are a major player in the finance game, FDIC insured or not, they need to be regulated. And as far as I can tell they are not near as regulated as they should be. It is just one of the things that needs to change to make the world a better place and give people a shot at a decent life. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1100.00}, {$5600.00}, {$150.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$78000.00} XXXX XXXXXXXX Date Opened : XX/XX/2005 Balance Owed : {$95000.00} XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$51000.00} XXXX  XXXX Date Opened : XX/XX/2005 Balance Owed : {$4400.00}

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 2022-03-08
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: Information belongs to someone else

Complaint:
I am filing a complaint with Experian cause I have tried to call on several occasions cause I had a few issues on my file. One of them being Identity theft and the other being that one of my creditors that I paid off has not reported my account as paid in full and its still showing a balance even though I paid them of last year. 

I called in and spoke to a rep and explained that my account with XXXX credit union account number XXXX its still showing a balance of {$2200.00} and I paid it off on XXXX. 

Then I also had an Identity theft issue where my personal information was used to open an installment loan with XXXX XXXX  XXXX XXXX Account number XXXX which this account was opened fraudulently due to identity theft I filed an identity theft Affidavit with the FTC on XX/XX/2022 along with other accounts listed on my FTC Affidavit as well that are no longer reporting with Experian. Apparently I got a notification that my dispute was started but I believe that the representative that I spoke to put the Fraud Account with Enterprise in dispute as if it was incorrect balance showing and never put the dispute for my account with XXXX XXXX XXXX that is valid in dispute I also am attaching the FTC Report I filed to try to resolve this fraud account and remove it from my file

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