BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: EQUIFAX, 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 {$11000.00}, {$0.00}. 
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.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my two months mortgage amount of {$3300.00} ( XX/XX/2020 ) and {$3300.00} ( XX/XX/2020 ) to my lender ( XXXX XXXX - XXXX XXXX ). Then I also received another payment notice from TIAA Bank that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from TIAA Bank. I provided my bank statement for those two payments to TIAA Bank shows the proof of payments, and never got a reply from them. I called XXXX XXXX and request the Goodbye letter, which indicates - The servicing of your mortgage loan is being transferred, effective XX/XX/2020. My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are contacting family members when they have my contact information and no that I do not live and reside at that address and phone number. The person calling is XXXX XXXX, acts specialist from Chase Pk services. Phone:XXXX XXXX XXXX, ext XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I purchased a plane ticket for 2 friends and myself with my citi card. 
The amounts totaled {$2200.00} ( 3 tickets ), and {$210.00} ( 3 seat assignment ). 
On XX/XX/2019, the airline I purchased from ( XXXX XXXX XXXX ), went " insolvent '' and bankrupt. All XXXX XXXX flights were cancelled and the website immediately went down, there was no customer service available. 

I called Citi credit card services XX/XX/2019 to let them know what happened and to find out what my options were. I was told, even though the airline I purchased from went bankrupt, that because my flights were through a sister airline ( XXXX  ) that I shouldn't do a dispute until my flight/booking was cancelled. 
I have spent the last 3 weeks struggling to get verification that my booking was cancelled, and was finally informed XX/XX/2019 that it was and that I no longer had a flight. 
I can not request a refund through XXXX XXXX because they no longer exist and my flight was not " ATOL Protected ''. 

I started the dispute process with Citi yesterday XX/XX/2019, only to be told that it could take up to 45 days for an answer, and there was no guarantee I'd get any money back from anyone. 
The rest of my holiday is booked and set to begin XX/XX/2019, so I have 62 days to purchase a new flight for 3 people, when I've already spent {$2500.00} that I may never get back through no fault of my own. 

I should have started it as soon as the airline I purchased from went insolvent, but my card company told me not to. Now I am 3 weeks further behind. 
I have been a Citi customer in good standing for years. 
This situation is a very unique reason for a dispute ( Airline bankruptcy ). I have also never filed a dispute over any charges and use my Citi card daily.

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 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 went to cosign tor my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit again and on one of those credit sites and there are some things on there that are not mine. I have reached out to the FTC and to my local police department and I am doing this all on my own. These need to be removed XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit 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 2019-10-10
Company: CITIBANK, N.A.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Whom It May Concern, On XX/XX/XXXX I was on my XXXX XXXX noticed my score had dropped from an account I was an authorized user on a citi card which was opened XX/XX/XXXX. Total credit Limit was {$7400.00} on said card. This was probably a cousin of mines account who forgot to remove me as an authorized user as I haven't seen that card In years. I called citi to remove myself from the account they told me I needed the last 4 digits of the card # which I do not know.

All I want to do Is either be told the last 4 digits so I can take the right steps to have myself removed as an authorized user through citi cards. This was reported from XXXX. I can be reached on my personal cell if any questions. My number is XXXX or XXXX. 

When I gave my social to citi cards they only had my actual cards on 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
Consumer complaint received 2021-12-01
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage was originally held by Suntrust ( Truist ). 
I refinanced with XXXX XXXX XXXX. The refinance closed XX/XX/2021. 
Suntrust withdrew {$1400.00} from my bank account on XX/XX/2021 -- after the mortgage had been paid off and transferred to XXXX XXXX XXXXXXXX. 
I have attempted to resolve this online -- but their system no longer allows me to log in. I have attempted to resolved this by phone, but their automated system does not recognize my old loan account or social security number. 
I can not locate a useable email address or any other way of contacting them and thus am filing this complaint in hopes of reaching someone who can refund my money that was illegally drawn for a closed mortgage 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 2020-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
This complaint is a follow up to a previous complaint # XXXX. I am pasting here the text of an email I just sent to Experian regarding ongoing issues with the company, including harrassment. 



XXXX XXXX XXXX XXXX XXXX XXXX Attachments XXXX XXXX  ( 5 minutes ago ) to support To whom it may concern : I have made several complaints about your Experian Boost program, specifically the failure of the program to adhere to the policies expressed on your website. After months of my payments for my utility bill and other bills which are easily seen being made monthly .. I have complained on your facebook messenger account and via twitter. I did this after I was apparently blocked from complaining on your website. I have had my credit rating change for the better over months from what it was, but it appears there is an intentional effort to hold me in a fair credit rating ... My credit rating was raised by 2 points on more than one occasion, Last week after I complained to you and after frustration to the Consumer Financial Protection Bureau, the CFPB mailed my complaint to your agency who said they were waiting for your response., ... Subsequently in a couple of days I received a notice saying congratulations for doing a good job, my credit rating was raised by one point, I also received a notice saying I was now eligible for a different credit card,,,,, the other cards were removed and a new high interest card with fees was added. 

In addition a couple of days later I received a package in the mail .... Upon viewing the package there was in red writing " XXXX XXXX XXXX XXXX XXXX '' When I opened the package, ,there was indeed a XXXX pamphlet. There is no denying it was from your agency because the stamped address was XXXX. XXXX XXXX XXXX, Texas, XXXX ... .However, the company name was not on it I am attaching photos of the envelope and pamphlet. 

This type of behaviour by employees of Experian should be unacceptable, I hope someone with moral character/credibility will respond to me with an apology and solution for the ongoing problems I have faced ... This is a systemic issue ... as I have faced other problems over decades with your company and other credit reporting agencies .... Truth crushed to earth shall rise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas 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 2023-01-09
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
received multiple calls from this debt collection company of an alleged debt. I don't have any business with this collection nor have not received any notices in the mail of alleged debit. 

please further investigate this company and have it delete it from my credit report. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
went to see a doctor for general appointment in XXXX XXXX hospital in XXXX XXXX on XX/XX/XXXX. I confirmed before going that it was covered in my insurance. I paid XXXX $ copay when I went there, hospitaldid my x -ray without giving me any estimate and without asking. I asked for estimate and I I was told that I will have to pay only co pay. On XX/XX/XXXX I was shocked to see {$350.00} bill from hospital. I wrote a certified letter to XXXX XXXX XXXX hospital on XX/XX/XXXX ( attached ) mentioning above details and never got any response. Instead of reply I received letter from Collection company on MEDICREDIT XX/XX/XXXX. Again I wrote letter with certified mail to Medicredit on XX/XX/XXXX ( copy of letter attached ) and wrote that charges are not valid and asked them to send me documentation, agreement and other information asked in letter. But they never replied and sent me collection notice again on XX/XX/XXXX without providing me documentation any information. I sent again certified letter on XX/XX/XXXX with copy of my earlier letters sent to XXXX XXXX XXXX hospital and to MEDICREDIT and asked them again to send me verification agreement / documents that there is valid basis for claim. But again they did not provide and documents and harassing me by calling and sending collection notice. I am finding myself helpless in this situation. 
XXXX and Medicredit does not have any verification documents and threating me to report it on my credit file. Please help me to resolve this issue and take strict action against malpractice of Hospital .I REPORTED THIS AT CFPB WEBSITE Compaint number XXXX AND MEDICREDIT REPLIED ON XX/XX/XXXX THAT THIS CASE IS NOT WITH TEM, THEY RETURNED ACCOUNT TO XXXX HOSPITAL.. BUT TODAY I CHECKED MY CREDIT REPORT AND IT WAS REPORTED ON MY CREDIT FILE BY XXXX. Medicredit lied .because they were unable to produce proof. Company did not follow The Fair Debt Collection Practices Act ( FDCPA ).

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 2020-07-25
Company: AES/PHEAA
State: LA
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:
US Department of Education- Loans were calculated incorrectly. Interest was added to my accounts because it appeared that I was not a XXXX student when in fact, I was. This was reported incorrectly. It dropped my credit score and started adding interest to my loans because of a mistake of the University.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: WELLS FARGO & COMPANY
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by this person. He sent me a check for {$3100.00} and then asked me to send money to some people through XXXX from Wells Fargo and also get some gift cards for them. I filled a complaint on XX/XX/2020 to the bank and they said the check was fake. 
On XX/XX/2020 they said they can't refund me my money because this was a scam and they can't help. They didn't help me to track the transactions as well. I went to Wells Fargo bank in XXXX and they told me to contact their customer service and they said they can't help with a scam.

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 2019-10-10
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent two verification letters to collector requesting verify the debt. Fair Debt Collection Practices Act ( section 1692c ) and Rules of the City of New York ( section 5-77 ) require that you honor this request. Your cooperation will be appreciated.The first time was in XX/XX/2019. The collection did not respond, only updated my credit report withthe remark : " Account information disputed by consumer ''. The second time was in XX/XX/2019 and I have not gotten an answer yet. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

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 2019-07-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My account was overdrawn due to an atm withdrawal and another company that kept trying to take an auto payment out. Which I was then charged a nsf and return charge payment. I banked with Wells Fargo since 1996. The past two years I believe I incured over a hundred overdraft fees. They closed my account from being negative XXXX. And almost all of it was for fees that they charged me. They closed my account and didn't notify me. When I called them they sent me a letter to only contact this one person and to have my attorney contact them. Which I do not have.

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 2020-12-23
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account on XX/XX/2020 with a balance of $ XXXX at the M & T Bank located at XXXX XXXX XXXX XXXX XXXX XXXX , VA . When opening the account, I asked that the bank rep, XXXX order me an expedited debit card. She said she would. I went to the branch on the following Saturday, XX/XX/2020, to send a bank wire, and the branch manager flat out refused me this service, because she said my funds needed to be investigated because she did not believe I had conducted business as I told her, in order to receive the wired funds. She told me flat out that the whole thing was suspicious to her, and that she was going to place a hold on my account until further notice. I was insulted and left. I called the branch when I returned home, and the manager, XXXX told me that XXXX was not available for phone calls and could she help me with something. The branch closed at XXXX  and I called the branch and spoke again with XXXX. XXXX had me on speaker phone, and I am certain that both she and XXXX were listening to what I had to say. I asked XXXX if my account being placed on hold was due to the branch managers personal discretion, or whether it was the banks security policy. She assured me it was the banks security and back office that had placed my account in a frozen state. 

XXXX called me on Monday, the XXXX of XXXX, to tell me that she had not yet received word about the investigation that was going on and that she was trying her best to expedite the process. I asked her at this time to verify that she had in fact ordered an expedited debit card for this account. She assured me she had. 
I called M & Ts customer service XXXX number today, XX/XX/2020, and asked the rep to verify that an expedited debit card had been ordered for my new account. The rep assured me that it had NOT been ordered, that it had been ordered regular delivery. The rep then phoned the branch and reported back to me that XXXX told him ( the rep ) that either she or XXXX would call me by Monday to let me know the results of their research. 

I know there are laws about unreasonable holds on consumers deposits, but I feel it is now time to file a complaint because not only did XXXX lie to me twice about ordering my debit card expedited, but this leads me to believe that she could be lying about other things as well, associated with my account opening. Furthermore, my M & T online banking shows an available balance of $ XXXX. 
Please get to the bottom of this. I felt personally insulted by the branch manager and XXXX lies, and wonder whether this is common practice in the banking industry to treat customers this way. Thank you. 

I might just address this matter with the media if I am not satisfied with the outcome.

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 2019-05-15
Company: DISCOVER BANK
State: NJ
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 called to payoff the student loan on XX/XX/XXXX. The amount owed was XXXX. I gave them the bank routing number and my account number from my HELOC. They inputted the information and then came back saying they don't accept this account. they only accept checking and savings accounts. I now have to send them a check from this account, which they will cash and accept.The check will take several days to get there. The delay in time raises the amount owed to XXXX. That is an extra XXXX in interest I will have to pay if the check arrives and credited by XX/XX/XXXX. This may go up if it takes longer and will decrease if they get it earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
n the process of obtaining a mortgage through XXXX XXXX XXXX XXXX. On two occasions I am being told by my loan officer XXXX XXXX that they can not obtain a credit score for me through XXXX XXXX XXXX phone # XXXX with an order # XXXX. I have a freeze on my credit profiles through all three Bureaus. This freeze was placed due to my being a victim of credit fraud in which I purchased a XXXX XXXX mattress set and my credentials was accessed and different credit cards started to appear in my name. I HAVE PERSONALLY LIFTED ALL THREE BUREAS FREEZES FOR THE ABOVE LOAN OFFICER SO THAT THEY CAN OBTAIN THESE SCORES ONLY TO BE TOLD AGAIN AND AGAIN THAT THEY DONT HAVE A SCORE FOR ME. On several occasions I left messages for the above loan officer and her supperiors by the name of XXXX XXXX ( XXXX ) XXXX EXT XXXX. Never once did any of the above contact me back. I find all of the above hard to believe because in XXXX the area where I am looking to purchase had NO PROBLEM in pulling my credit score for their application through there leasing office. I am now feeling that I am getting the run around by either XXXX or XXXX  in which the latter has provided a PIN to remove or lift the credit freeze. I am now looking at the possibility of losing the home I so dearly am trying to purchase over a technicality.

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