BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im writing because we are customers of Suntrust for over 18 years. We even referred a few people to you including our son! We currently have two mortgages with them and have been trying to refinance them both since XXXX. 
Weve sent our information a few different times, and each time we reach out theres a different reason the re-fis havent been completed.Its always us reaching out for an update and this week were told we need to send all our information again. 
This is unacceptable. The last time we called they said they were waiting for HELOC information. My husband had a conference call with them and the HELOC bank. Theyre now asking for our information a third time. This is unfair, and Im not sure why were being mistreated like this. Its a bait and switch and they keep us hanging out there while our insurance and escrows went unpaid and lapsed. We had to call and get those corrected too. I want them to schedule closing for these immediately.

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 2018-07-13
Company: EQUIFAX, 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 was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: First Associates Loan Servicing LLC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out numerous loans for XXXX school from XX/XX/XXXX to XX/XX/XXXX. This is in addition for loans for my XXXX and XXXX education. XXXX of the loans that was taken out for XXXX school was from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, 1st Associates became the servicer of this loan. I received only an e-mail notifying me of this transfer, with no hard copies or attached documents. I completed forbearance paperwork while completing my fellowship, but the loan came into repayment in XX/XX/XXXX. I made a request to go to interest only payments in XX/XX/XXXX, and I was told I would be mailed the paperwork to complete this request. It never arrived, and I continued to pay my bill. I then noted that my interest rate was rising quickly, now 9.22 %. I decided to transfer the loan to a more reputable company who requested my master promissory note. I called 1st Associates to request this document, but instead got a letter in the mail stating, " Unfortunately, due to administrative error, we do not have a copy of your original agreement. Original contract terms are digitally uploaded into fields of our servicing database at account onboarding, guaranteeing a permanent record of the account details. '' This statement seems to contradict itself ensure presence of a document that they can not provide. I called again to request the documents and was told a request had to be sent through " Upper Management. '' I tried to find any contact information for XXXX XXXX ( which I think stands for XXXX XXXX ), but only find links to legal aid related to this company. I fear this may be a fraudulent company and am requesting help ensuring this is a legitimate lender before I continue to make payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citibank falsely claimed in a response to CFPB complaint number : XXXX, advising the {$15.00} statement promotional credit that was acknowledged in the Citibank response letter to the CFPB, claiming that I qualified for the promotion. The letter stated it would simply post to my account in " 1 to 2 billing cycles ''. Well, 2 billing cycles have occurred, which are XX/XX/2021 and XX/XX/2021.

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 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 i was charged XXXX $ on my account by a scammer from XXXX XXXX   who transferred the money to my sisters XXXX XXXX which she received no money of the amount and he has sent the money to fake names to receive the money she has tried to dispute the transaction with XXXX XXXX as well as i have and they refused to refund the monet. I have bank of America and filed the claim the same day and they refused to take the case as fraudulent and saying i authorized this while i did not authorize these two transactions and i would like to know if you guys could help in this i am being refused my money back as they were fraudulently charged. I have sent to them screenshots of the XXXX XXXX accounts they went to as well as a detailed letter of what happened with the scammer, they have escalated the case and still refused to refund my money that were taken as fraud because i do have previous transactions woth my sister using XXXX XXXX but that amount of XXXX she did not receive any of it and she went through the same thing that day like me also being scammed and she got her money refunded by her bank, bank of America has dealt with my case unfairly as i am a good standing customer.

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 2019-10-02
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I wasnt receiving the compensation that I deserved nor did the company care to listen. Also, there was defamation along with discrimination going on at the company every step of the way. They also took it outside the company because I was having issues trying to get employment. I believe that I should have at {$50000.00} in my checking account right now.

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 2020-11-10
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
Old account keep being added to my credit report with different dates each time, this time it shows that is was 2018 when this is not true.

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 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In XX/XX/XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.

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 2021-06-26
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX, XXXX, operates and offers the XXXX XXXX secured visa credit card. I had an account with their XXXX secured credit card that was cancelled by the company and the outstanding balance was charged off. I have not been contacted by the company at any point and they have made no attempt to make me aware of this, nor has the company tried to collect the charge-off debt. It has been sitting on my account for years, unknown to me until very recently. The entire time, it has been pulling down my credit score. 

I have tried to issue a payment to the company, but have been unable to do so. The company lists a phone number, but the phone number brings the caller to an automated system that does not allow you to do anything whatsoever unless you enter your XXXX account number, which I do not have ( because I no longer have an account ). I can not reset an account. There is no way to get in touch with a human or make a payment over the phone. There is no email contact information for the company. There is the option to mail the company, which I have done several times. Once on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and once again on XX/XX/XXXX. I have never received a response from the company. 

I have disputed this account with the credit agencies, explaining that I am attempting to make a payment and the creditor is unable or unwilling to accept the payment ( because they are unreachable and unresponsive ). The agencies are give back generic responses that the creditor has confirmed the account information is accurate. This doesn't matter, my complaint is not that the information about the debt is inaccurate - my complaint is that I am trying to make a payment and the creditor is entirely unreachable. They are literally impossible to pay. I am *trying* to give them my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: AR
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 file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: FL
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:
In XX/XX/XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXXXXXX XXXX  CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Merchants Credit Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The account is with Merchant Credit Bureau it was filed on XX/XX/2016 in the amount of XXXX they threaten to garnish my wages of i didn't pay and it has damaged my credit as a collection..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I deposited funds into my account with Robinhood ( RH ) to purchase stocks. Due to my oversight I selected the incorrect checking account which resulted in 3 rejected transactions. I admit this is my fault and have since remediated the Deficit of what was provided up front to me as an instant deposit of {$1000.00} when I deposited that amount after realizing I used the wrong account. My account was locked from being able to purchase more stocks which also is fine. With the instant deposit money provided to me I made over {$700.00} from my investments. I deposited {$1000.00} from the correct account days after noticing my error. Now that I have rectified my deficit and no longer want to trade on the RH platform, I am attempting to withdraw my money. RH claims I now have account restrictions that prevent me from withdrawing my money. I can not withdraw funds that have gone through a regulatory clearing house process and RH is denying me the earned investment accrual from the {$1000.00} instant deposit. I am being denied access to money I provided to RH for trade in addition to money earned. Additionally I have reached out to RH via their contact us process and have not received any correspondence or outreach from an actual service representative to resolve the situation. I have only received canned responses with a claim number via email each time i go through the contact us process. On social media I provided my claim number and have not received a contact from anyone. To be in a pandemic and have a company prevent access to money that is free and clear is down right criminal. It is very transparent in the light of recent events that Robinhood and its leadership do not have the financial capital or technology support in place to support their model and platform.

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 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion says I have 2 hard inquierys from XXXX and a bank in XXXX. Both are identity theft or wrong person. My account was frozen on both times. 

Then my XXXX XXXX accounts are somebody else. 
If you want to do illegal investigation and not do FAIR CREDIT TEPIRTING AGENCIES SECTION 604, 609 AND 611. GO AHEAD AND LIE. YOU HAVE FOREIGN WORKERS DOING ILLEGAL WORK. SHAME. THEM MY ACCOUNT IS LICKED EVERY DAY. JUST SEND ME WHO YOU TALKED TO, THE DATES AND TIMES. THEN WHAT WAS SAID SO I CAN GET THE ATTORNEY GENERAL AND MY LAWYER INVOLVED.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquirieson my Experian credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiriesthat I did not authorized and have been payed off. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
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 explanation
Consumer complaint received 2021-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
From XXXX thru XXXX of 2021, I filed a dispute with XXXX XXXX and Transunion about the unverified and inaccurately reported collection account : XXXX XXXX XXXX  Account number XXXX that was reporting a different date of last activities and different high balances being reported. According to FCRA any inaccurate and unverified item must be removed from a consumer 's credit profile. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in several months. I am attaching a copy of my report to show the inaccuracies I am complaining about.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 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 2021-03-25
Company: Seattle Service Bureau, Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The National Service Bureau called my fianc trying to find me for a XXXX  debt in 2019.They also gave her all the information about my debt which is illegal. I never receive any information on this debt until I called, then I had to pay right then and there or they were going to start the process to suspend my license.

Company response to consumer: Closed with explanation