BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice regarding an escrow short fall. In that notice I was advised that if I sent a check to cover the short fall my payment would remain unchanged. The notice did not allow for any other payment method other than to send a check via USPS XXXX XXXX XXXX - I sent a check for the short fall which cleared 2 weeks later My mortgage amount changed anyway by an amount less than {$10.00}. The automatic payment is still unapplied. 

XX/XX/XXXXAfter receiving numerous calls from Fifth Third with no response when I answer, I called and after being bounced around to several departments and spending over an hour on the phone, I was told there was a short fall of {$6.00} and if I made the payment there was nothing else to do. This amount differed by about a dollar from other communications I had with the bank but was assured that {$6.00} was what I needed to send them to clear up the problem. 

XX/XX/XXXX Payment for {$6.00} appears online and is still unapplied. More harassing phone calls but someone finally answers when they call, I request to speak to a supervisor who assures me that the late charge would be waived once they confirmed the payment was received. 

XX/XX/XXXXSeveral more phone calls from the Bank 's collection department and again, no one responds when I answer the phone. 

XX/XX/XXXXI receive another phone call and after a long wait I speak to someone and request I be sent an email with the exact amount necessary to get the bank to apply payments. They refuse. 

I now have a late charge on my latest statement and since the balance due on the statements has never meant anything in the past, I have no idea how much I really need to send them or what my regular payments should be. 

There is no email or USPS mailing address on the customer service site so there is no way to establish a documented trail of the issues. 

We ran into this sort of problem less than a year ago over {$0.00}. We have spent sever hours on the phone to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
I have had a Best Buy Citi Visa credit card since the summer of 2017 and it is not on any credit reports. It has a XXXX $ limit, I paid off almost all of it except XXXX $ left. I have called them and they say they are reporting, but it isnt on any credit reports. All of my information matches the stuff they have on file though. I was hoping to get a big boost in credit score due to paying off such a large sum of 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 2020-08-27
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is my second complaint I received 1 call from the card XXXX XXXX 1 voicemail I called back immediately and have called countless times and countless voicemails to them guys name is XXXX I've sent numerous emails and now 3 days later still no return call or email they know what this is about I'm tired of typing it and explaining it to have nothing done they have lied and allowed my money to be stolen my money they were suppose to protect I was told I'd get a credit and haven't ibve set on hold with the go program people for almost 40 total hours if i dont get a call saying the money is on my card I will seek legal council and sue for the maximum a lawyer can get as far as attorney fees court cost lost time for me all I want is them to do what they are paid to do get my freaking money in my account and arrest whoever stole it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2021-02-26
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested to be put on a Covid forbearance plan in XX/XX/2020 via phone call and the company agreed to under the CARES ACT. Up until that point, I was on automatic payments. Shellpoint stopped the automatic payments as they were putting me on this plan. This was done as I was on the phone with them. There should be a recording of this call. I realized in XX/XX/2020 that Shellpoint never put me on the plan because I checked my credit and the score dropped. I immediately called back and they admitted no wrongdoing and failed to rectify the situation. I got the forbearance plan instated and it has been active from XX/XX/2020. I then tried many times to speak with my point of contact XXXX XXXX XXXX with no success. Also, they sent me a letter saying they determined an error did not occur. They did not provide any proof of this and have not provided me a recording of our conversation from XX/XX/2020 which would prove my setting up the forbearance and Shellpoint not following through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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: Personal information incorrect

Complaint:
HAVING ISSUES GETTING THE CREDIT BUREAUS TO UPDATE MY CORRECT ADDRESS AND REMOVE ADDRESSES NOT RELATED TO ME.

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 2022-08-06
Company: BETHPAGE FEDERAL CREDIT UNION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. Beth Page Federal Credit Union has violated my rights. Regarding alleged account # XXXX 15 U.S.C., 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : states that a consumer reporting agency should Block and remove information in 4 days.

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 2020-08-27
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from AD ASTRA RECOVERY SERVIC about a debt I was not aware of. It does not belong to me. When i questioned the man on the phone he began yelling at me, telling me I was using COVID19 as an excuse not to pay debts, told me I was a XXXX and low life and people like me are the reason for problems today. I am not sure what the debt it for as t does not belong to me. I have tried to get information from the three credit bureaus as well as the agency direct. The credit agencies don't seem to address my issues with the profanity and lack of communication, nor with the premise this debt does not belong to me. The creditor has not responded to two letters I sent asking for written information about this debt. They have previously called several times a day starting at XXXX XXXX and continues every hour or so until about XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: TX
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:
I have been trying to get a new credit card and a mortgage loan. Every time any lender tries to get my information from Equifax it gives them a frozen or information unavailable notice. No one other than me logging into a Equifax account I created can get the credit score/report. This is causing me huge headaches and issues in my life. I cant view it on a free credit report, XXXXXXXX XXXX  hasn't updated since XXXX, and no lender has been able to get anything since XXXX. I have tried to resolve with Equifax at least 10 times and either get told everything is fine or that it must be the lenders fault. I have been ignored hung up on and overlooked. I have confirmed that nothing is frozen on my end. Overall i just need people to be able to access my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to refinance my mortgage and need to temporarily lift a credit freeze. The website for Experian indicates that my freeze has been temporarily lifted, but the lender is unable to access my report. 

Worst of all, I am unable to contact a live human at Experian to help to resolve. Their telephone helpline deliberately omits any opportunity to speak with a representative, no matter which path one takes. They seem to provide no path to help me resolve the issue - this is very frustrating.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
When I disputed the NORMAL route they considered it as VALID and meeting FCRA requirements and left this damaging account on my credit file. 

The fact that credit bureau 's took the creditors word for it that the debt was valid also holds them ACCOUNTABLE! 

I can take legal action against all parties that FAILED to do their DUE DILIGENCE AND verify my claims that the debt was inaccurate. 

Inaccurate includes open date, and date last active.

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 2018-02-20
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After checking my credit report, I noticed XXXX XXXX has resubmitted an account that was removed from my credit report due to identity theft.

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 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I wrote a letter to Bank of America dated on XX/XX/2019 and XXXX XXXX as a goodwill letter in reference to our mortgage account. We noticed in our credit report shows late/missing payments on the account. I sent a letter to Bank of America to let them know we have never been late on our mortgage payments. I asked them to correct the information on their end. However, I admitted on the letter that I will take responsibility for those so call late/missing payments-if they can remove it from the credit bureaus. Instead they wrote back indicating that their information is correct and to contact the credit bureaus to correct the issue. I feel this have been a mistake on their end and because of it we can not go forward in apply for a business loan due to Bank of America indicating we were late/missed payments.

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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureau 's are illegally reporting inaccurate information 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 2021-02-26
Company: BARCLAYS BANK DELAWARE
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I noticed a fraudulent charge for {$490.00} dated XX/XX/XXXX from XXXX XXXX  I notified Barclays about the charge and they cancelled the credit card and issued a new one. Originally they removed the charge but I received a letter 2 days ago stating that after an investigation they determined that the charge was valid and put the {$490.00} charge back on my account. The letter was dated XX/XX/XXXX. I called them back and they refuse to remove the charge and will not listen to me when I told them I never made the purchase and that the charge was not valid.

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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2019-05-29
Company: Experian Information Solutions Inc.
State: FL
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:
Unauthorized credit inquiries : 1-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 



2-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

3-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

4-Company named XXXX  performed an unauthorized credit inquiry on XX/XX/XXXX. 

5-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

6-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

7-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

8-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

9-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

10-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

11-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

12-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

13-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on 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 2017-08-01
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I enrolled in an " SunTrust Deal '' with my eligible SunTrust debit card linked to my checking account for XXXX XXXX XXXX during the first week of XXXX  of 2017. The terms stated " Offer expires XXXX/XXXX/2017. Must make two separate transactions with XXXX XXXX XXXX on wireless products or services of at least {$15.00} on the card associated with this offer by XXXX/XXXX/2017. Your {$75.00} cash back is earned within 30 days after making your second transaction. See offer details. Taxes, fees, other charges & restrictions may apply. Add'l speed, usage, and other restrictions apply. See plan details. Offer valid one time only. '' I placed one transaction on XXXX/XXXX/2017 and one on XXXX/XXXX/2017 ; both for {$16.00} each. I waited the 30 days after the second transaction and when the {$75.00} cash back did n't post, I used the online chat feature to contact customer service. XXXX told me that " I have researched this and am showing that any rewards earned in XXXX will not show until XXXX/XXXX/17 at the latest. So After processing on XX/XX/XXXX, if the reward is not there the morning of XX/XX/XXXX, please chat or you can call Online Banking at XXXX and we can go from there but we are not able to escalate because it can show up until XX/XX/XXXX. '' I waited until after the first week in XXXX and the {$75.00} cash back still did not post so I mailed customer service on XXXX/XXXX/17 and XXXX said " your rewards will be credited to your preferred account usually within eight weeks from the date of your purchase. '' I waited 9 weeks and it still had not posted.
On XXXX/XXXX/17 I called customer service. I was transferred to 4 different people, one in which, named XXXX, said she was having computer issues and said she had to put me back into the queue where I had to wait another 20 minutes to speak to the next person. In total I was on the phone, mostly on hold, for an hour and a half. Finally the person I spoke to said that they spoke to their supervisor and they said to wait until the XX/XX/XXXXand the {$75.00} will post then. I checked my account today, XXXX/XXXX/17 and it still has not posted.
Based on this experience I am not impressed my SunTrust 's customer service and I am astonished by all the hoops that one has to jump through to receive their cash back on these " SunTrust Deal 's ''.

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 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Reduced my credit limit on my Capital One card which I have had for 15+ years from {$30000.00} to {$10000.00}. I have had no changes in credit scores or payment history. Talked to two different representatives and two different supervisors on XX/XX/20 and was told reduced because of only using a portion of my credit limit. I received said email on XX/XX/20 explaining the same. They also indicated there was no appeal process and there was nothing they could do to assist me other than document in my record the concerns I indicated to them on the phone. 

I requested they return my amount to {$30000.00}. I requested an appeal of this process. I indicated I was also concerned because I just turned XXXX and they seemed to be coincidentally using my age against me. Most importantly, this decision makes no financial sense to me what so ever. It also seems very unfair to not have a formal appeal process to resolve said issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Experian Information Solutions Inc.
State: AL
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 have several times disputed an account that i noticed at the start of XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having XXXX, XXXX, and experian remove this from my report as soon as possible.

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