BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: M&T BANK CORPORATION
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with XXXX XXXX until they transferred it to M & T Bank in XXXX, NY. 
M & T Bank sent me a letter asking for an increase in the amount of the escrow account of {$280.00} per year. In addition they are increasing the amount of my current mortgage payment of {$1800.00} per month to {$1800.00} per month an additional {$21.00} per month or {$250.00} per year. 

The problem is this : I called M & T bank in XXXX to get an understanding of why if the bank is increasing the amount of my escrow to cover the taxes, insurance, etc., that the M & T Bank has to pay during the year, why isn't the increase included in the escrow shortfall of {$280.00} that I am being asked to pay which I think should include the additional {$21.00} they are increasing my monthly payment from the current amount of {$1800.00} to a new amount of {$1800.00}? 

When I asked the supervisor from M & T Bank, XXXX XXXX, he advised that the increase in my current mortgage payment from {$1800.00} to the new amount of {$1800.00} was due to increases in my taxes and insurance. My question is, isn't the increase in the escrow supposed to cover the increase in all of the items like taxes and insurance that the bank pays monthly? XXXX responded to me by saying the same thing over again and again and failed to connect the increase in the escrow amount with the additional increase in the monthly payment of {$21.00}. It appears to me that the bank has decided to add an additional amount of {$21.00} each month for 12 months for a total of {$250.00} which is in addition to the escrow increase of {$280.00}. 
So I am receiving an actual increase of ( {$280.00} plus {$250.00} which equals {$530.00} ) annually. What is happening here? It looks like the bank has figured out a way to charge all of its customers with an additional charge in additional to the escrow increase. This is an unfair and deceptive practice and XXXX XXXX, the M & T supervisor I spoke to could not explain to me why the monthly amount of the mortgage was increasing after I paid the escrow shortage of {$280.00}. Please contact the M & T Bank and ask them to explain why they are engaging in such unfair and deceptive practices. 

Thanks for your help, XXXX XXXX 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 2018-06-20
Company: SYNCHRONY FINANCIAL
State: MI
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:
AS OF XX/XX/2018, I'VE BEEN TRYING TO REPAIR MY CREDIT REPORT FOR ALL THREE CREDIT BUREAU. I GOT A HARD INQUIRY FOR A COMPANY I DON'T KNOW ANYTHING ABOUT. I NEVER APPLIED FOR A CREDIT CARD OR ANYTHING WITH THE AIRLINES. THE COMPANY IS CALLED XXXX/XXXX 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 2017-11-11
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize.
Optimum Outcomes Inc XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted Equifax, XXXX, and XXXX to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: Experian Information Solutions Inc.
State: CO
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity has been stolen. Among opening credit cards, applying for loans, and much more, the thief has created an online account with Experian. The thief used my personal information ( name, DOB, SNN, etc ) but their login information ( username, email address, security questions ). This has made it extremely difficult to get my credit report from Experian. 

I called Experian on XX/XX/2018 to explain the issue with the fraudulent account. I requested that the fraudulent account be closed immediately. I also requested that I open a new account with my information, thus prohibiting future fraudulent accounts. I also purchased the premium membership for this new account. I asked the representative multiple times to confirm that she was not merging the fraudulent account with my email address, and instead closing the fraudulent account and opening a completely new one. 

After getting off the phone with the representative I received emails from Experian regarding my online account / membership. Instead of receiving new account information ( like how to set up my password ) I received account update information. The fraudulent account was not closed. The fraudulent account was updated for my email address. I am unable to get into this account because I do not have the login information and do not know the answers to the security questions. I called Experian back immediately and the representative said that the changes would not be in affect for 24 hours. It has now been 48 hours and I am still locked out of this fraudulent account and still have not received information on setting up my new account. The thief is still able to access the fraudulent account and is now able to see my paid membership information and email address.

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 2018-06-21
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I recently filed a complaint on the collection tactics utilized by XXXX XXXX on behalf of XXXX and they are now retailiating against me because I filed with CFPB. On Friday, XX/XX/XXXX, I returned a call to their office from a voicemail received from - Sr. Specialist XXXX - - XXXX Ext XXXXand threatened to take legal action! 

I just spoke to XXXX XXXX on Friday at XXXX Ext. XXXX and paid {$200.00} per our Special Hardship Agreement due to our extenuating Financial circumstances, since my daughter was hospitialized in XXXX for over 34 days and I am currently unemployed and seeking full-time employment. XXXX XXXX is in the Hardship Department and has me set up for the {$100.00} per month as agreed and would be paying another {$100.00} on XX/XX/XXXX. We have gone through a lot with our daughter which has affected us financially ad emotionally and we are also U.S. Veterans who have served our Country during XXXX and this type of unethical tactics has to stop. 

I am tired of being harassed by XXXX XXXX and I am requesting them to cease in their maneuvers against me through your retailiatory, demeaning and undermining tactics because I reported you to CFBP. Stop Retailiating!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Paid reinstatement amount stated by Ocwen in XX/XX/XXXX for {$25000.00}. 
Loan was reinstated Next payment was due XX/XX/XXXX. 
Ocwen applied funds to account and state I owed another {$6500.00} in XXXX. 
I contested this and was stonewalled when I tried to call on numerous times with the person on the phone who promised that this would be resolved. 
My account was frozen in XXXX stating I owed {$1000.00}, but they refused to use money in a suspense account totally {$1000.00}. 
No resolution was ever offered to apply funds properly. 
Account went into foreclosure Property sold to Ocwen ( XXXX XXXX, XXXX ) on XX/XX/XXXX. 
Have been trying to speak to someone about purchasing the home, but have not been allowed to speak to anyone who can make this decision. 
I have retained a lawyer who has tried, unsuccessfully, to speak to someone at Ocwen, they have continually referred us to a company called XXXX. 
This would have never gone to foreclosure if Ocwen honored the reinstatement in XX/XX/XXXX. Through their accounting, application of the {$25000.00} payment, and refusal to allow me to speak to anyone higher than customer service when I call in, have taken my home and given me nothing in the way of any recognition or resolution to the XX/XX/XXXX payment or suspense account money that was never applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: UT
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 recently received a response from XXXX XXXX XXXX XXXX  of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with XXXX XXXX where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with XXXX XXXX XXXX to please remove all the late notations from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: EQUIFAX, 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:
XX/XX/XXXX Hard Inquiry from XXXX XXXX XXXX ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls. 
XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized. 
XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry. 

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
TD Bank without my knowledge or permission withdrew money from my checking account to pay the fee for my safety deposit box! As a result one or more of my checks drawn on my checking account bounced and TD Bank then charged me bounced check fees! I have always in my own hsvevmailed in a check to TD Bank to pay the safety deposit box fee!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2020 i submitted a dispute letter to transunion. I yet to receive a reply from them. I feel they have had long enough to reply to my dispute

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 2018-06-21
Company: SUNTRUST BANKS, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Attempted to transfer funds, using XXXX, from a Sun Trust account to a XXXX XXXX account. 

The recipient is affiliated with two accounts. " A '' a joint account and " B '' a personal account. The transfer was completed but did NOT go to the account I stipulated, account " B ''. 

On XX/XX/XXXX {$300.00}, on the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00} and the XX/XX/XXXX {$500.00} was transferred. 

I went to my local branch and spoke with XXXX, I was told that I must have input the wrong account number. That process was checked and rechecked and NOT correct. I was told that Sun Trust was unable to tell where the funds went. She then called Sun Trust, somewhere, and spoke with XXXX. she said that account " A '' must be my son 's primary account and that is why the funds went to it and not to account " B ''. I asked, " Of the two accounts I have with Sun Trust which is my primary '' she had no answer. 

I can find no credence or validity to XXXX 's explanation.

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 2018-08-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt is with XXXX XXXX XXXX now being held by XXXX. The original credit was balance was XXXX. XXXX refused to let me close the account when the interest reached about XXXX. Now it a little over 1000. XXXX is suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Experian Information Solutions Inc.
State: GA
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:
In XX/XX/2018 I sent a dispute to Experian regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to Experian, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, Experian still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.

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 2018-08-27
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt is with XXXX XXXX XXXX now being held by Midland. The original credit was balance was XXXX. XXXX refused to let me close the account when the interest reached about XXXX. Now it a little over XXXX. Midland is suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
on XX/XX/XXXX, my payment of {$370.00} was due, however, I wanted to pay-off my account for the amount of {$570.00}. On XX/XX/XXXX, my payment was returned using the CarMax app on my phone. XX/XX/XXXX, I received a call informing me that my payment was returned as my account was " frozen ''. I called my bank, my account was not frozen, called CarMax Auto Finance back and issued payment over the phone again, and I specifically asked if the payment was processed as an ACH payment, the representative quickly responded, " YES. '' XX/XX/XXXX I went into the XXXX, CA location and I was I spoke with someone at XXXX over the phone who affirmed that my account was closed, and nothing was owed and my checking account balance reflected the result of a large deduction. I also received a letter stating that my account was closed and PAID. ( See attached ) XX/XX/XXXX I get another call explaining that my account is passed due and I, now, owe $ XXXX. I think it is ridiculous that these institutions allow their staff to not verify information regarding customer inquiries and allow their customers to suffer the additional interest because of the staff 's inability to properly explain which types of payments can or can not be processed. That should be the most basic responsibility fo their job. Call reference # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. Bank of America closed my account after freezing it an reported me to XXXX XXXXXXXX and XXXX XXXX for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because Bank of America reporting.

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 2018-08-27
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The status open date for collection precedes the date provided by original creditor. Name of original creditor does not match what XXXX   XXXX XXXX XXXX claims the original creditor to be. Contact information being listed is matching to the original creditor [ XXXX ] which claims not to be the original creditor. Account number is being listed and displayed incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good Morning. Last week I took advantage of requesting a copy of my free annual credit report. Everything was in order except the inquiry section. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX inquired in my credit 82 times between the dates of XX/XX/XXXX and XX/XX/XXXX. I do not have an account with Discover. I tried to contact them by phone on XX/XX/XXXX, and because I do not have an account, the representative could not " help '' me find answers, and they referred me to a credit reporting agency. I tried to call XXXX, but none of the phone prompts would bring me to someone I could speak to. This week I received another mailing from Discover, and because of what I have learned about their inquiry methods, I opened the offer of credit and logged onto a site they referred to in their mailing called XXXX. I am furious that Discover " hit '' my credit report this often and most likely affected my credit score and thus increased interest rates I am paying on legitimate trade lines I have applied for and use.

Company response to consumer: Closed with non-monetary relief