BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with XXXX  and then also XXXX   ( both attached ). On both of these reports, I found a Credit Card account  beginning with XXXX, and ending in XXXX with XXXX XXXX XXXX that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the reports, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call XXXX  XXXX XXXX and all three major credit bureaus. I first called XXXX  XXXX XXXX and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of XXXX  XXXX XXXX, I was told the account was associated with the address and phone number listed above. 

I then followed up and filed the below-listed disputes : XXXX  # - XXXX XXXX  XXXX - # XXXX TransUnion - ( Did not receive dispute #, TransUnion XXXX XXXX attached ) Identity Theft FTC Report - # XXXX Today, XX/XX/XXXX, I filed a CPFB complaint addressed to XXXX  XXXX XXXX and am now following up by filing one for XXXX, XXXX, and TransUnion. 

After filing this dispute, I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I  also received the attached documents from XXXX, XXXX, and TransUnion with teh results that the account is " Verified as Accurate '' and " Verified that this item belongs to you. '' I am claiming this credit card account is a result of identity theft. I understand these credit  bureaus need to communicate with the financial institutions in order to generate the results of a dispute. So I am asking that they consult with XXXX XXXX XXXX as XXXX  XXXX XXXX addresses the CFPB complaint ID - 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 non-monetary relief
Consumer complaint received 2019-03-13
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2019, my mortgage bank posted notice of trustee sale on my door. I have done everything up until this time, that was asked of me by the bank in a timely manner. I have in good faith worked with my bank to prevent losing my home and ensure prompt payments. However, the bank appears to not have worked with me in good faith and has dismissed and denied my request and my circumstances. I have informed my bank that I am a XXXX. The bank has ignored my communications and has not been transparent with the entirety of the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4100.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX  XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX XXXX Balance : {$6400.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information

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 2019-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My father passed away in XXXX, 2017 and I have been charge for his credit card from CAPITAL ONE. I never pay attention to detail on my bank statement. When I looked up my latest statement, I saw the charge on my statement from CAPITAL ONE credit car and I spoke to my bank ( XXXX XXXX XXXX  ) to do the stop automatic payment and they said that they can not do it. It has to be done by CAPITAL ONE. When I looked up the law for the stopping automatic payment, it says that BANK ACCOUNT HOLDER CAN REQUEST TO STOP THE AUTOMATIC PAYMENT. After that I requested to fraudulent payments and they said they can not return the money back since it is automatic payment but I told them it is fraudulent payment and been going over past few years in small amount. My bank says that I have to reach out to the Capital One and when I called Capital One, they said that I have to reach out to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Someone is trying to open pre-paid cards with my name and data ( XXXX  XXXX  and XXXX ) as well as opening up a checking account in my name ( TD Bank ) Someone also tried to use my bank ( XXXX  ) to send a XXXX payment I have never banked at TD or XXXX  or XXXX  Someone also tried to get into my XXXX and XXXX cancelled my account, now I can't use XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted my mortgage company Dovenmuehle Mortgage , Inc in the XXXX of the pandemic to see what options they had due to my employment status and I was advised to be put on a 3 month forbearance program due to lack of work during the pandemic so I agreed. I returned back to work soon after so immediately after the 3 months passed I contacted them stating I wanted to make the payment in FULL because that was one of the options they offered and I wanted to be current and up to date on XX/XX/20 and they said no problem. I paid {$12000.00} which posted on XX/XX/20 and on XX/XX/20 my payment posted as normal of {$2500.00} and on XX/XX/20 my payment posted as normal of {$2500.00}. My statement is not reflecting off the payments I made and I'm being told my payments are all suspended which I don't understand where the money is. All I've been requesting since I made that large payment in XXXX is a payoff letter. They provided me with a few letters which aren't current and when I explain that to them they see that in there notes but refuse to correct the issue. They don't allow me to speak with the supervisor and I don't know what else there is for me to do at this point. I don't understand why they are holding the money and not applying it towards the loan. I was never informed any of the payments would be suspended. I contacted that at least 50 times from my XXXX payment and got no where. I feel taken advantage of and keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank has offered a {$300.00} bonus for opening a new customer checking account. I accepted Citibanks offer and opened checking account ending in XXXX ( Citibanks letter signed by XXXX XXXX, Citibank Director of Client Care is attached ), made a required opening deposit and made preparations to fulfill banks requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close in 30 days thus precluding me from receiving promised {$300.00} bonus. 

The bank has made a binding promise to credit a {$300.00} bonus upon opening of checking account and making arrangements to deposit {$15000.00} or more in new to Citibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). I accepted banks offer by opening a required account and provided for a required opening deposit. Acceptance of banks offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$300.00} bonus because Citibank breached the contract by terminating my account without paying the promised bonus. Citibanks action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored. While Citibank has a right to close account on its own accord at any time, the account closure does not excuse Citibank from paying {$300.00} bonus due under the contract.

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 2018-02-03
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On Friday, XX/XX/XXXX, I tendered payment on my student loan. I was informed that processing the payment would not occur until Monday, XX/XX/XXXX. It was explained to me that Nelnet was unable to accept payment on non-business days. This is a reasonable policy that most business, courts, and other industries follow. Unlike, these other industries Nelnet has decided to continue to toll time against me during the weekend. My due date is Sunday, XX/XX/XXXX. As a result, I was informed that even though I tendered payment two days before my " due date '' I would still be considered late as the payment will not be processed until Monday, XX/XX/XXXX. This policy is counterintuitive and unjust. If a loan processor can't accept payment on the weekend then why do I have a due date on a weekend? The due date should be changed to the next " business '' day. This seems like a policy that is designed to collect late fees and potential harmful to other individuals. I would like the CFPB to investigate the business practices of student loan processors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Regional Management Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I applied for a personal loan with a company called XXXX XXXX I am XXXX and have been struggling since XX/XX/2009. This company did not ask me if I wanted the life insurance and they charged me XXXX to insure my items i Used for collateral. The life insurance was XXXX The person in the office really did not go over this information with me. I called the company the next day and told them I had life insurance and my agent who handles my property insurance said my collateral items were covered under my home owners policy. I do not need this services.I have recently wrote a letter to the office asking them to remove these charges. They have not yet. People like myself who has a disable nag condition lose our jobs our health insurance and end up going bankrupt. Prior to this I had excellent credit. These lending companies charge outrageous interest then they add the insurance to your loan and you pay interest on this also. They have reported to the credit bureau that I have a loan for over 6,000. I borrowed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, 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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2018 ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Synovus Bank
State: SC
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 had made a pay for delete payment with the credit card company and they have not held up their end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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:
I Check My Credit And I was so amazed That I'm a victim of identity Theft someone has been Using My credit for there benefits, they went shopping for a car and tried applying For Credit. This is crazy, I'm Highly Upset about This Situation I did not give anyone Consent to open Any Accounts using my personal Information this is Fraud on all Accounts.

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 2021-04-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2018-07-11
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have setup an auto draft for one of my student loans ( Perkins Loan being collected by XXXX XXXX ) which was only {$40.00} a month. In addition to that, whenever I could I made additional payments more than the required monthly payments to pay off the loan faster. However, few days ago when a mortgage lender pulled my credit we noticed that I have few late payments on my credit record all from this account. 
I called XXXX XXXX and for days they were not responsive and instead send me back and forth to my school or my bank. After few days someone finally responded to me and said that the auto draft was never setup and therefore I was getting hit for late payments. They claimed that I have been notified but I have been leaving in my current address for 4 years and not once I received a notification from them. 
I explained to them that this is a mistake or misunderstanding. I explained that I have other student loans with even higher monthly payments that I have never been late on ( in fact it is paid a head till 2020 ), I also have multiple bills that I pay monthly and I have never been late on anything ever in my life so why would I be deliberately late on this account. In addition, I offered to fix this by paying off the remaining balance on this loan in full today in exchange to get this inaccurate late payments removed from my account, but they just simply said no with no additional explanation. 

I have maintained a perfect credit score for years so that I can use it when it is finally the time for me to buy a house. Now I am in the process of buying a house but since my credit score is missing only 3 points I might not be able to buy the house or any house for now. I don't like complaining but I am being punished for a system error and XXXX XXXX is not willing to help me in any way so I am asking you to please please help me to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called 4 times to have my account updated and I have gotten poor customer service by the associates. I submitted a {$1700.00} payment to my escrow account to be applied for escrow shortage. 

My required monthly payment for XX/XX/2021 is incorrect and it should be updated. I also think that the monthly escrow account is way too high considering that I already paid half of the shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions 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:
I have tried to rectify several errors and fraud accounts with all 3 credit agencies and I need your assistance in getting this done. The following items does not belong to me and is reporting incorrectly on my credit file : The following account is not mine : - XXXX XXXX XXXX - {$1000.00} ; Date Opened : XX/XX/XXXX - XXXX XXXX XXXXXXXX - {$1900.00} ; Date Opened : XX/XX/XXXX The following account are reporting incorrect late status : XXXX XXXX - {$0.00} ; Date Opened : XX/XX/XXXX ; I was never 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX  - {$6400.00} ; Date Opened : XX/XX/XXXX ; I wasn't 30 or 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX 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 2018-07-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2017 I was experiencing a great deal of pain in one of my XXXX. I went to XXXX XXXX. After an evaluation to fit me for a XXXX XXXX I was in favor of. The XXXX told me he could not save XXXX XXXX and would have to pull it. He ended up XXXX XXXX XXXX and I was left with huge XXXX in my XXXX. I am very upset about that procedure and I will never go back to XXXX XXXX. 

I went to XXXX XXXX in hopes of getting assistance so I could eat, talk, and smile. After many XXXX   visits I received a XXXX XXXX. It is/was SO very painful. I went back 6 or 7 times to have it fixed but finally was told they were not responsible for the XXXX. 

I talked to an attorney and he advised me and I did take the actions he suggested. I requested a Fair Credit Billing and was told by Synchrony Care Credit that they contacted XXXX XXXX. XXXX XXXX said I signed the sales receipt. Synchrony Care Credit said they can not judge the quality of the services. They release the disputed amount in the XXXX XXXX favor. Also I signed up for a promotion purchase to have the payment and interest rate the same through the repayment of the loan and I am not getting that. That is why I started this whole procedure. I had terrible service and I can not get a repayment plan I was promised ( attached is the statement with the Promotion Plan and my current charges ). The promotional plan is taken totally off my account. 

Can you PLEASE help me get fair treatment at least on the repayment of the terrible service? 

Sincerely, 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 monetary relief
Consumer complaint received 2018-07-11
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX called my home phone. My XXXX year old son who has XXXX answered. XXXX asked him some questions about me including D.O.B. which he gave them. They then proceeded talking with him about a debt they say I owe. After a minute or 2 I realized he was talking about me and I quickly grabbed the phone. I asked who the caller was and they quickly hung up.It wasn't until XX/XX/XXXX at XXXX XXXX that I found out who it was after they called my cell phone with the same number used to call my home. Today is XX/XX/XXXX and they called again yesterday XX/XX/XXXX at XXXX XXXX. claiming I owe them money. I have no information stating I owe them anything or where the debt is from. I also have nothing from them regarding my rights to verify or dispute their claim which they are required by law to send within 5 days of initial contact which was back on XX/XX/XXXX when they talked with my XXXX year old son.

Company response to consumer: Closed with explanation