BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Following SunTrust Banks repeated mismanagement of our escrow account, My wife and I have been trying to get the bank to close the escrow account since XX/XX/XXXX. They have refused to do so. 
On XX/XX/XXXX SunTrust sent a letter stating six ( 6 ) requirements needed to be met before they would remove  the escrow account. 
On XX/XX/XXXX we sent a letter by Registered Mail to  SunTrust showing that all 6 requirements for closing the escrow account had been met and again requesting that they close the escrow account. 
The registered letter was received by SunTrust on XX/XX/XXXX as evidenced by the registered return receipt. 
As of XX/XX/XXXX SunTrust has NOT responded to our letter and has NOT closed the escrow 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 2023-01-18
Company: EQUIFAX, INC.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX has contacted me and since I have failed to communicate with them during my work day, they are now contacting a family member, leaving messages for me on their voicemail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Today : XX/XX/2019 I went onto XXXX and noticed two unauthorized hard inquiries on my credit report. 
First company reported hard inquiry XX/XX/2019 from : XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX Second company reported hard inquiry XX/XX/2019from : XXXX XXXX, DE XXXX ( XXXX ) XXXX I never authorized either of these two above companies to check my credit. I haven't tried to get a new line of credit, whatsoever. I contacted both of the above companies directly and the calls where an automated advertisement company offering products. I have no information on how to get in contact with these false companies to address this issue and I'm concerned my credit may become jeopardized if this is not taken care of soon.

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 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXXl XXXX. This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from my credit.

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 2018-05-09
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are currently in Bankruptcy and our mortgage was transferred from XXXX XXXX to Caliber Home Loan in XX/XX/XXXX. We pay an interest rate 7.13 % on this mortgage, however when we receive our yearly XXXX tax form for XX/XX/XXXX from Caliber it was for the amount of {$15000.00} for that year. Caliber just starting letting clients in Bankruptcy receive mortgage statements and have access to their statement online accounts. On this first mortgage statement Caliber stated ( recently paid interest ) {$31000.00}. But this is not the amount on our XX/XX/XXXX ( XXXX ) tax form and they had not posted 3 months of payments to our account online at that time and still show XX/XX/XXXX payment due when we are current. I am making this complaint about Caliber Home Loans, because I feel the interest rate being reported to IRS is not accurate and in their statement they are adding unexplained fees past amount when the mortgage payments are being made each month in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a consumer of XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very XXXX. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted XXXX and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but reported Me to the Credit Bureau as delinquent. I wrote them a write letter and email them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested from them due to such unfortunate situation being out of my control would they make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX XXXX XXXX son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to have this delinquent reporting pulled from My Credit Bureau. 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 2021-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone opened a account in my name and used the card for sometime. I notified capital one they said its my responsibilities .Capital one agreed to remove account from my credit if I paid it. I agreed and they still have it on my credit report as a charge off. They said it would be settled and paid in full and removed from my credit. Its still on as a chargeoff owing XXXX this is very dishonest. How can a company make you pay an account thats not yours. threaten to ruin your credit if you dont pay and tell you that you can settle and it will be removed from your credit report. I filed XXXX ftc reports. I will continue until justice is served. This is horrible. During covid times are very hard. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CITIBANK, N.A.
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:
A criminal steal my mailbox on XX/XX/XXXX and my new Citibank debit card and its related opening account information are stolen. I initially transferred lots of money in this new account to try to get the Citibank checking account promotion deal. Then the criminal used the account info and the card with PIN letter to activate the debit card, used the debit card PIN to purchase items totally worth {$2800.00}, and withdrawal {$1000.00} from ATM on XX/XX/XXXX. I received a fraud verification msg from Citibank at around noon on XX/XX/XXXX, then I found my debit card and personal info were stolen, I called Citibank to verify the money that the criminal spent on that day, then I submitted all of these invalid transactions into disputes. And I also reported to Citibank to re-sent me another new debit card along with a new PIN, so that the criminal could not keep using my debit card to purchase/withdrawal. However, I found another transaction on the night of XX/XX/XXXX ( at around XXXX ), the criminal has sent the stolen signature card back to Citibank, and applied and gotten a check book of my Citibank account by using my personal info, and he/she even wrote a check from my account to make a payment {$200.00} to somebody. The " XXXX '' name on the check is " XXXX XXXX '' ( or " XXXX '', I am not sure the written letter from the check, either " a '' or " u '' ). I think whether this XXXX is the criminal or at least the criminal knows XXXX and used my check to pay her for something.The total amount that the criminal has steal is more than {$4000.00}, I have requested for disputes about all these illegal transactions sooner after I discovered them. But after several weeks, Citibank closed most of the disputes and denied them. Citibank sent me mails to say they have attempted to contact me but not successfully, and asked me to call back to a Citibank representative to pursue the claims. However, firstly, I have never received any contact from Citibank related to the disputes during the entire period after I submitted the disputes, secondly the person and phone number Citibank provided to me has never worked, I made a call to that representative for more than 10 times and left voice message for each call in a week, but she has never answered the call and has never called back to me. I called Citibank disputes department again and again, but they couldn't solve this problem by either giving me another better way to contact about my disputes, or helped me re-submitted the disputes again.

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 2020-06-01
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 {$3700.00}, {$6000.00}, {$960.00}. 
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 ACCOUNT 1. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -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 2020-11-25
Company: CREDIT WORLD SERVICES, INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Thank you for your recent contact dated : XXXX XXXX, 2020. 

I wrote to you on XXXX XXXX, 2020, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From XXXX XXXX XXXX XXXX. 
We applied for a modification in XXXX XXXX we completed 3 trial payments. 
We were not given the paperwork to sign to make the modification permanent until XXXX XXXX. 
Why did it take ten months to get a response and an offer for a modification? 
During the ten months, we were in pre-foreclosure status.We received letters and phone calls daily informing us that our home was in pre-foreclosure status. 
Why did it take 10 months to receive a modification?

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 2018-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I transferred a total of {$6000.00} from my joint savings into my personal checking. 
This had been discussed between both account holders. 
The following day the person I shared my joint checking and savings account with filed a fraud claim and closed both accounts. Shortly after Bank of America put a {$880000.00} freeze on my personal account. When I spoke to their customer service department I was told an investigation would be held and could take up to 10 business days. 

The 10 business days are now over and I have been told that a hold will be placed on my account for up to 45 days which would make my account active on XX/XX/XXXX. 

My credit score has gone down by 12 points since XX/XX/XXXX. I  have creditors calling my phone non stop. 

I have taken my birth certificate, social, and id into a branch to prove my identity. I have faxed over documents stating where I work and verification that I am authorized on this account. 

Page 7 in their disclosure proves my rights and is being broken with no solid answer as to why.

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 2023-01-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings account with Barclays Bank. I am trying to add my external account to do accommodate an external account transfer. The bank has a hold on my account as they state they can not verify the external bank account. They have requested I send my statement, which I have done, but now they are stating they can not access the state which was sent. I have sent it XXXX times, without success. They will not provide my withdraw without this information. 



It has been more then XXXX days since the commencement of this process

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 2023-01-11
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On or about XX/XX/2023 my car XXXX infinity was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected. 
I do not have an account with XXXX credit I do not have a debt with XXXX credit. 

I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me. 
Flagship is holding my property and will not closed this 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 2017-09-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
First off, I want to note that I am " escalating '' this to the level of the CFPB immediately as it is directly related to a claim I had to make in ~XX/XX/XXXX-XX/XX/XXXX that ( I 'm finding now ) was incompletely resolved. 

My loan with XXXX entered repayment on roughly XX/XX/XXXX. I signed up for automatic payments on XX/XX/XXXX for which I have email confirmation, including that my first automatic debit would take place on XX/XX/XXXX ( the day the bill was due ). The first bill, however, was for {$50.00} ( more than the minimum I owe each month ) with a {$30.00} late fee assessed. When I asked the company how I could possibly have a late fee assessed on my very first bill generated from them, they actually responded by telling me that they do not assess late fees. When I pointed out the irony of this situation, they insisted that it must be that I had made an underpayment -- until I got them to actually lay eyes on the bill that very clearly labels this extra {$30.00} as a late fee. Finally, I got someone to review the account to determine the origin of this late fee. The first person I spoke to reviewed everything he had -- dating back to XX/XX/XXXX -- and could not find any source of the late fee. Instead of dismissing it, he said he would have to file a case to put it under review. Apparently they tried to contact me some time later, but I do not have record of that contact. In the mean time, I began receiving up to 5 phone calls a day telling me I was delinquent in payments. Today, I finally got someone to review the " investigation '' and she told me that I had late fees assessed ( I believe ) in XX/XX/XXXX and XX/XX/XXXX. In fact, I was still a full time student during that period. 

The way this relates back to a previous claim I have made is that around that time I briefly transferred schools to complete a XXXX XXXX degree " in the middle '' of my XXXX education. In that process, my name was somehow deleted from the national registry of students and all my loans entered repayment at once and began to be harassed literally all day long for repayment having to recount my story at least 5 times per day to deaf ears. It seems to me that this late fee must have been assessed at that time and was never reversed when my case was first handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: MO
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:
Upon analyzing my changes, I discovered that my personal credit file has been given inaccurate information. The Equifax XXXX XXXX XXXX continued to report unverified information without providing any of the required legal justification, in violation of Section XXXX of the Fair Credit Reporting Act. The XXXX Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I want the following questions to be stopped : XXXX date of inquiry XX/XX/202XXXX XXXX date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation