BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Capital One Bank, N.A. act # XXXX, showed up on our credit report in XXXX. This bank credit card was open under another account number which was included in my bankruptcy. At first I thought it was that account and that for some reason even though it was included in bankruptcy in XXXX that they had opened the card back up. I contacted the bank and they said the card was open and that they sent me a new card. I never received any card in the mail or any billing statement from XX/XX/XXXX to XX/XX/XXXX. I got a call from Capital One saying they were going to put a collection on my credit report if I didn't pay for this card and that they would hurt my credit. Since I work for the government and I didn't want anything else to hurt my credit or security clearance after I had filed a Chapter XXXX two years ago, I paid the card off and Capital One told me they would remove the derogatory statements from my credit if I paid. They never removed any derogatory statements from XX/XX/XXXX to XX/XX/XXXX and after further investigation including paying for all three of my credit reports, I discovered that this is for an account I am not even aware of opening and not the one that was supposed to be included in my bankruptcy. The company had the wrong address on file and had one of my old addresses too which I have had issues with the new person at this older address stealing property that is delivered to them by mistake that is for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TO CFPB, I got an alert that Trans Union has lowered my score by more than 80 points due to XXXX XXXX reporting a late payment that just happens to be in the process of being worked out with my attorneys, If Trans Union would have done their due diligence they would have known this, but once again they seem to want to side step their responsibility and take the chance of not getting fined by CFPB or the FTC. And just FYI the account that was reported as having been late has been closed and the bal. is being worked out by my attorney who warred XXXX not to do anything while this was being worked out.

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 2021-05-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car loan was paid off in XX/XX/XXXX. TD Auto Finance still has not released the title. I have been trying to get the title released for over a year now. They kept citing a vague 'DMV error. ' Now they are telling me I need a 'registration only ' letter from the WA DMV - the car has never been titled in Washington XXXX It was purchased in California in XX/XX/XXXX and has always had a California title. TD Auto Finance refuses to communicate with the DMV or XXXX to resolve the issue and release my title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
All my money has been stolen. I am living in the streets because if this. Just help me please. I'm not phone savwy so help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received information XXXX XXXX, via XXXX XXXX XXXX , XXXX is attempting to fraudulently assign mortgages XXXX, XXXX and XXXX to XXXX XXXX and XXXX XXXX XXXX, Mortgage-Backed Notes Series XXXX. This assignment was electronically recorded by XXXX to the XXXX County Clerk in New York State on XX/XX/XXXX. How is it possible to assign a mortgage from two deceased persons? XXXX XXXX XXXX, my father, died on XX/XX/XXXX. XXXX XXXX XXXX, my mother, died on XX/XX/XXXX. My father 's estate is currently being probated and remains open, and is dated XXXX XXXX ( XXXX # XXXX ). Neither XXXX XX/XX/XXXX nor XXXX XXXX XXXX , XXXX has made a sufficient claim ; even after my numerous requests as the estate 's executor. Secondly, XXXX XX/XX/XXXX and XXXX XXXX , XXXX is attempting to foreclose on property in which they do not have a security interest in. On XXXX XXXX, HSBC ( Beneficial Mortgage ) stated they sold the loan to XXXX XX/XX/XXXXXXXX Effective XX/XX/XXXX, yet has failed to provide any proof of endorsement or assignment. I am seeking a cease and desist on all assignments and formally requesting a copy of all submitted assignments any any endorsements associated with this transaction. I will be providing a copy of this request to the New York State Attorney General as well as XXXX XXXX XXXX, Surrogate Acting Supreme Court Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am writing to dispute the payment process used by Navient XXXX regarding disclosure of interest charged to my student loans. I have written and verbally asked the company to send monthly statements showing the beginning balancing and ending balancing of the loans. In return, I received unclear information and no documentation about monthly statements pertaining to my student loans. I have checked my loan accounts on several occasions and spoken with Navient customer representative to ensure that my loan is not being calculated in error regarding the interest. I became frustrated when the response to the same question is a different answer. Therefore, I begin sending letters to Navient. However, the information that I am receiving from Navient to explain the accrued unpaid interest is not indicating the monthly beginning and ending balances. At this point, I am reaching out to you for assistance to protect myself as a borrower and to have my complaint filed. The amount that I am disputing is unknown because of the error in the accrued interest that has been calculated by Navient. Moreover, my loan began with XXXX XXXX and XX/XX/XXXX was the first payment and XX/XX/XXXXwas the first payment made to Navient. I want Navient to be accountable of charging what appears to be double interest to my loans and to reverse the interest that is not correct. 
I have been paying principal and interest on the loan but the total amount has continued to increase ( i.e. accrued unpaid interest dated XX/XX/XXXXin the amount of {$570.00} ). I 've called the customer service department on several occasions to receive an explanation and have not been given a satisfactory answer to why the total amount continues to escalate. Also, I 've asked for paperwork showing how interest was calculated for my loans and receive an example of a random account situation, which did not assist me regarding my account. I received history balance documentation dated XX/XX/XXXX on my account, but not an account statement that indicates start and ending balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX I used my XXXX card for a purchase only to find out I had a XXXX balance. When I called the Bank of America I was told a wire transfer of {$2300.00} was made without my knowledge. I have no information of who or where the funds went. I did NOT authorize this transfer of funds. I filed a fraud report with XXXX and the police. 

I am asking for help in receiving these funds back since I have NO knowledge of this event and I am a XXXX living on SS and need these funds to live

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 2020-04-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX a note in the amount {$80000.00} for a personal loan through SunTrust bank was due in full. The original loan was taken out by myself and my x-husband over 10 years ago. In XXXX we filed for divorce and the judge in our case assigned the entire debt of the loan to my x-husband. For the past 4 years I have desperately tried to get SunTrust to assist me in taking my name off the loan. SunTrust told me that only my x-husband could take my name off the loan. SunTrust then refused to help me in this matter even after I filed my first complaint with the CFPB a few months ago. SunTrust told me to wait until the note was due and see if my x-husband would pay it off or not. So here I am trying again to get the bank to tell me what happened exactly with the note and they have refused to tell me specific information that I need to know in order to determine what plan of action I need to take. I have no way of receiving any mail from the bank because it goes directly to my x-husband. He refuses to share any information from the bank about our loan to me. On XXXX XXXX I called SunTrust bank and explained my situation on how I have been denied information for a loan that my name is attached to. A bank representative gave me the name of the individual that had been assigned to our case. I was then told that the note WAS NOT paid off only a payment of {$1400.00} was made on XXXX XXXX. So since that date I have called this individual 4 times and left detailed messages on why Im calling and asked him to call me. I have NEVER received a return call and it has been well over a month. So on XX/XX/XXXX I called this representative one more time to then have a recording tell me his voicemail box was full and would be unable to leave a message. I was irate at this point and called SunTrust again for help with getting this man to call me!!!! I even began to doubt that this person even worked for SunTrust bank. The bank told me he was still employed by them and they sent him a direct emailed asking him to contact me as soon as possible. The bank told me if he didnt get back with me to call them back. This is absolutely ridiculous and unprofessional in every way. I do not know what else to do in order to get help with this matter, so Im filing this complaint in order to see if the CFPB can contact SunTrust for some answers in my case. Please feel free to contact me at any point and I can provide the exact name of the individual at the bank that has refused to assist me. 
Respectfully Yours, 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 2017-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive been a Bank of America credit card customer since 2003. Without any notice, Bank of America decreased my credit limit from {$19000.00} to {$500.00}. 
I have been diligently working on fixing my credit rating, and recently made a payment to Bank of America for over {$19000.00}. Making such a drastic credit limit decrease will adversely effect my credit rating. I just got off the phone with Bank of America and they were unable to help. Is there anything the CFPB can do?

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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
Cosigned for mortgage in XXXX. Account seriously delinquent since at least XX/XX/XXXX. Never notified of delinquency EVEN to date by XXXX or the primary borrower. Discovered XX/XX/XXXX when routinely checking credit report. I don't even have an account number for this loan! My credit score dropped from XXXX to XXXX in XXXX because of this account. I obviously pay my bills! XXXX, by NOT informing us of the delinquency, has engaged in unfair credit reporting. How can I be expected to resolve this matter if I'm uninformed? This could have been resolved 2 years ago & modifications made. As I stated I don't even have an account number. Also we have NEVER lived at the address of the loan nor have we EVER received mail there. The address was added to our credit report XX/XX/XXXX without our knowledge or consent! An XXXX representative informed us that the primary borrower can request that the cosigners NOT receive notifications! If we have EVER been notified of issues with this account, please provide us the addresses or phone numbers notified because there are several wrong phone numbers & addresses listed 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 2021-04-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Hello In XX/XX/XXXX I was involved in hurricane Michael and lost my home and my job for about a month or a little longer. I contacted XXXX XXXX  and they allowed me to make payments when I could and said due to my circumstances it wouldnt affect my credit. I was in contact with them for months. Well in XX/XX/XXXX XXXX XXXXl was bought out by XXXX XXXX XXXX XXXX. I wasnt notified well let me clear that up I want aware due to still not having a home so I didnt get any mail. Fast forward when I found out in XX/XX/XXXX due to me checking my credit card I saw I had received a late payment remark. I called around and ended up getting in contact with someone at XXXX XXXX. They told me to make a payment to get things cleared up after I told them my situation and the agreement I had with XXXX. I called XXXX XXXX again in XX/XX/XXXX since I was due for a deferment and I was told again it wouldnt affect my credit. I made a payment in XX/XX/XXXX. XXXX XXXX made another mistake by hitting me with XXXX  30 day late payments on XX/XX/XXXX and XX/XX/XXXX. I have contacted them several Times to fix this and they have refused. I finally decided to send a letter To the credit bureaus on XXXX. XXXX to verify my late payments that were put on my credit report falsely. Equifax out of all 3 bureaus are they only ones who have responded since XX/XX/XXXX. They did not send me anything that they verified the late payments Were made. They only sent a letter back saying yes we verified. I have never denied that the XXXX XXXX account wasnt mine. I sent two certified letters asking them to verify and check and remove the late payments of XXXX XXXX failed to send over proof that all of the missed payments were made. Equifax has failed to provide proof of my rights. XXXX  and XXXX  has not even responded to my letters that I sent in XXXX and in XXXX by certified mail. Im asking my late payments to be removed if XXXX XXXX XXXX  fails to yet again provide the proof that all of the XXXX late payments are accurate. This has really affected my life and giving me a chance to give my kids a place to live. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
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:
I have provided the proper information to have the XXXX 's Account removed from my credit report. But for some reason, XXXX and Equifax are not removing the creditor from my credit report. I aid the account in full to a XXXX balance and the letter state that and shows the account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: DE
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:
I reached out to all three bureaus by certified mail and no response. I have unverified items on my report. These are the ones : XXXX XXXX XXXX XXXX/ XXXX  , XXXX XXXX , Us Dept of Education # 15, # 49, # 004, # 003, # 002, # 001, XXXX XXXX # 97, 61.

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 2019-07-01
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested HIPPA consent and proof I owe a debt. All that was sent to me was a statement with no signature or consent form by HIPPA to release my private information to a debt collector. Also, I see medical charges charged that do not belong to me based on their medical coding from the original Creditor. I clearly requested a HIPPA consent and proof I owe the debt. All evidence is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
- In XX/XX/XXXX, when I checked my U.S Bank Credit Card, my credit line was decreased to the lowest amount. I called them as soon as I realized and they said I had some debt that I need to pay for the car I bought which I have no idea what they were saying because I did not purchase a car or anything. I received some mails regarding car payments and I threw them away because I thought those were spam or junk mails. I believe this is a fraud by someone who stole my 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 2022-04-04
Company: EQUIFAX, INC.
State: IN
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:
I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2018 a account at Bank of America was opened by me with a {$25.00} deposit. Wasnt able to access account after they closed it and kept the remaining funds in the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have banked with Suntrust for over 7 years. I recently was a victim of a Debit card skimmer scam and ID theft.On XXXX XXXX, 2017 ; I had over {$2400.00} plus applicable fees taken from my account. The culprit transferred funds from my minor son 's ( XXXX yrs old ) savings account and went to an ATM in XXXX, FL and withdrew cash in two separate transactions. I have always lived in XXXX, Fl 4 hours away from where these transactions happened. 
I discovered the transactions and called my bank immediately! When the fraud claim rep. asked if I have the card, I replied " No '', for the simple fact that I had misplaced my card some where. But did not report it lost because I know it was somewhere in my purse or car NOT LOST or Stolen, I called back in less than 30 minutes to inform them that I indeed have my card. It was in my purse the entire time.I was told the process takes 10 business days to review. The case was then forwared to a " Fraud Investigator '' that asked me a total 5 questions. I explained to her that I never transferred the funds, never visted XXXX and that I live alone with my XXXX small children. I received the attached email saying my claim was denied, I was shocked. I called the investigator and she explained that my claim was denied because of " conflicting statments ''. I am the victim in this situation and my bank has an obligation to protect me and research throughly to determine if I was at fault or commited this fraud. You can not base a whole claim from my statement which at the time I gave was completely in shocked that all of my hardworking money is gone. Never did the investigator look into the phone transfer or location of the transactions. Now I must go through a up to 45 day appeal process, which still does not guarantee me my funds and provided supporting documentation, phone records and affidavits from family members. I have spoken to over 10 employees in this matter. Next step for me is to contact a Lawyer, because I need someone to advise me on how to get back what is rightfully mine.

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