BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-11
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX I made XXXX principal payments against my HELOC. One of the payments, which is the cause of this complaint, was made with a XXXX XXXX Bank issued cashiers ' check in the amount of {$12000.00} ; Sun Trust received, processed and sent a confirmation letter dated XXXX XXXX XXXX. Shortly thereafter I called to get a payoff balance and was informed that the {$12000.00} payment had been reversed but could not give me a reason why. For the next several weeks, I called every department and spoke to numerous representatives including XXXX XXXX a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others to no avail. I finally contacted XXXX XXXX XXXX XXXX XXXX XXXX office and spoke to XXXX XXXX. After several days, I called back and was instructed by XXXX XXXX to go back with a copy of the cashiers check to a specific teller whom she made aware of my plight and she would correctly process my payment. During the course of events leading up to the conclusion, I was assured that the interest would adjusted retroactive to the initial deposit date and be reflected on my new principal balance. Several day after the payment was processed, I called back in and confirmed that the payment was applied but was told by the telephone rep that Sun Trust does not adjust interest regardless of bank error. I informed her to read the notes where I was promised that Sun Trust would make the adjustment and she simply disregarded my request. Please request a transcript of all my phone conversations as well a copy of the notes and you will find multiple entries where the matter of adjusting the interest retroactive was addressed and committed to by Sun Trust Representatives. My hopes in filing this complaint is that the CFPB will call for a complete audit of my HELOC account with Sun Trust as I have made numerous principal payments and this incident now brings into question the possibilities of misappropriated payments. Thank you for your prompt attention to this matter and look forward to hearing from someone at the CFPB.

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 2020-02-18
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX  XXXX Past Due Amount : {$6000.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1900.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1700.00} Dispute TAKING MORE THAN 30 DAYS ADDDING IT BACK ON AS ANOTHER COMPANY

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 2019-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2017-11-11
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was acquired by GreenTree/Ditech financial.nearly 3 years ago. Shortly after it was acquired they proceeded to modify terms of it even though I had gotten a letter that stated that nothing would be changed in terms of my 1999 loan. First the stopped applying excess funds to my loan balance and told me it was their policy to do it. Then they told me that they were going to start escrowing my account even though I have never had one to make it easier to resell and continue serving loan. This not only added escrow fees but gave them free loan of funds to use. I refused to agree and continued paying my taxes myself and paying mortgage. They stopped applying funds to my mortgage some time ago and placed them in escrow or somewhere else and withheld thousands from loan payment and run up late fees, extra interest and damaged credit to make it impossible to refinance loan. Talking to them about it is a waste of effort. I can documentment all payments sent to them in a timely manor. Concerned I could possibly loose house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: NJ
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:
On several occasion I have submitted proof to XXXX, Equifax and XXXX  by forwarding them, ( ID THEFT REPORT ). Stating that the, XXXX XXXX accounts are a result stolen identity. These reporting agency have failed to provide me with any proof of how the creditor has my information. I have also forwarded them, letter corresponding to my right thru Fair Credit Act, til day there has been no efforts to remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The only reason I am submitting this complaint here is because the last time I went through the bank, they refused to help me. However I am once again having an issue with overdraft fees. My account with Bank of America was intentionally overdrafted one month ago around XX/XX/XXXX and I accepted the penalty. However, after the fact some automatic payments were taken out and reversed due to lack of funds. However despite being reversed, I was still charged an overdraft fee for each payment. A total of 4 payments were charged overdraft fees despite them being reversed soon after. And it appears there is a 5th pending. Obviously charging XXXX+ dollars on an already overdrawn account is an issue. I just need to have these charges reversed. All of the payments bounced so there is no reason for the fees. Attached are screenshots of my account and every transaction since the initial overdraft.

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: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX : Closed American Express blue cc account ( ending XXXX ) due to forced arbitration opt out refusal by Company.
XX/XX/XXXX : Requested credit balance of approximately ( keeps changing ) {$90.00} to be refunded. 
Per representative XXXX : refund check to be mailed with in 5 business days.
XX/XX/XXXX : Requested credit balance of approximately ( keeps changing ) {$90.00} to be refunded again. 
Per representative XXXX : refund check was mailed, but will be mailed again with in 5 business days.
XX/XX/XXXX : Filed complaint with CFPB. XXXX must be hurting for cash funds, if they hold on to closed account fund fraudulently for so long. Maybe this complaint will speed up things and prevent other customers from being exposed to these pretetory business practices. 
Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to KHOLS/CAP ONE. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Main Street Personal Finance
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
onXX/XX/19,IwentintothepaydayloanofficelocatedatXXXXXXXXXXXXtogetaloanfor{$400.00}.Iwantedtolendittomydaughterforherdepositonherapartment.Ipresentedcheck#XXXXintheamountof{$450.00}totheclerk.ShenotedthatmynextpaycheckfromSocialSecuritywasXX/XX/19.ThiswasonedaylessthantheXX/XX/19whichshesaidwaswithinher30-daytransactionalruleforrepayment.Ididnotthinktheonedaywouldbeanissue.Wellitturnedouttobeanissuebecausemydaughter'srepaymenttomeofwhatIborrowedtogivetoherdidnothappenwithin29days.IcalledtheMerchanttwice:boththeweekbeforetheloanwasdueandthedaybeforeitwasdue.Nooneseemedtohaveconcreteanswers,buttheclerkondutyputaonedayholdonthecheck.ThiswasfinebecauseIknewthemoneywouldbedepositedbymidnightandIwouldnotneedtheentire24hours.

SincemySocialSecuritycheckdroppedatmidnightonXX/XX/19,IwentintothepaydayloanmerchantthenextmorningandredeemedCheck#XXXXforcash.ThecheckwasreturnedtomeandIhavethebankreceiptwhereIwithdrewthemoney.Somehowcheck#XXXXwaspresentedtothebankelectronicallyonXX/XX/19bythemerchantafterIhadalreadyrepaidthemwithacashpayment.ThecheckclearedmyaccountonXX/XX/19.Thismeansthemerchantgotpaidtwiceor{$900.00}.Thiscausedfiveoverdraftsinmyaccountplustheadditional{$450.00}whichshouldnothavebeentaken.Thiscreatesahardshipforsomeoneonafixedincomethatthemerchantwouldbethiscarelessordishonest.ThishasbeenamajorinconvenienceandIwillnotdropthisissuebecauseitmeansthatIwillbethreeweekswithmyaccountinanegativebalanceandIcan'ttakecareofmyfinancialobligationsforthemonthofXXXX.Thisincludesfood,gasandothernecessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Credit Report with Experian / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my XXXX at @ University XXXX XXXX XXXX. I will graduate in XXXX 2017. XXXX has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.

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 2020-02-18
Company: CITIBANK, N.A.
State: IN
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:
In early 2019 I went through a business period where I needed to use short term credit for a while for marketing ( XXXX primarily, I XXXX XXXX XXXX ). Each time I have paid my balance down Citi has lowered the credit limit keeping me chronically at close to 100 % which continues to damage my credit score. They just did it again even though I am current and have been making payments in excess of the minimum and also paying early. When I asked them to restore the limit to the original higher amount they refused.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I found a hard inquiry on my TransUnion Credit Report from a company called XXXX XXXX. I never requested credit from this company, there should not have been a hard inquiry. 

This is the information : Dated : XXXX XXXX, 2017 Institution Information XXXX XXXX XXXX, WI 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: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. It belongs to someone else and I am simply an Authorized User. I have requested 4 times that this account be removed from my credit report. It reports many late payments and is hurting my credit score and keeping me from qualifying for a home mortgage for my family. I am single mom.

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 2017-11-11
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MACY 'S DSNBVIS XXXX Revolving XXXX A XX/XX/XXXX {$4500.00} {$4000.00} {$4000.00} XX/XX/XXXX CHARGE-OFF {$4000.00} This is not my account. I never open this Macy 's card.

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 2019-08-05
Company: Global Payments Check Services, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX Sunday the Global Payments Gaming Services is denying me to have my personal checks cashed through their services at Gaming Establishments. 

When I asked why they are refusing to tell me. I haven't used their services since the XXXX 's and I satisfied all checks in the allotted time that was given at that time over 20 years almost ago!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, 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:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Sunday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: ACIMA CREDIT, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/XXXX i received a notification from XXXX notifying me that a new account has been added to my credit file, upon me checking my credit report i learned that the new account was from Acima, which is a company i dont have any knowledge of, Additionally my credit file indicated this account was opened in XXXX of XXXX HOWEVER i have a Fraud alert on my credit file where any new accounts must be verified by me before opening and no one has contacted me to verify that it was me opening the account. 

Please provide me with a copy of any original documentation documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I would also like to know your method of verification used to verify this account which is required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to promptly DELETE all information which can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Date : XX/XX/19 ( First contacted them ) Company : XXXX Phone # XXXX Amount : {$500.00} x 2= {$1000.00} I was given 4 gift card, {$500.00} each as my birthday gift XX/XX/19. I found out two out of 4 were registered and used in NV before I open the wrapper.The gift cards were purchased from XXXX XXXX XXXX, CA. I couldn't get the receipt and I was able to get the credit card statement to prove the purchase. I faxed over the two gift card copy, both front and back, a long with my Drivers license and the credit card statement to prove the ownership XX/XX/XXXX, I have been calling the customer service for a week, nobody could help 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 2017-11-11
Company: EQUIFAX, INC.
State: WA
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:
XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ATG credit has refused to remove a derogatory statement on my credit after several phone call to Ms. XXXX. Initially I was sent a bill for {$740.00} then {$530.00} in XX/XX/XXXX. In XX/XX/XXXX a XXXX collection was placed on my credit report. On XX/XX/XXXX I paid the bill and requested my credit report be updated. ATG credit will not accept or return my calls and continues to report a collection on my XXXX and XXXX  credit report. I have a receipt for the paid in full debt. Phone number for ATG XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: VA
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:
Someone has been using my info these these credit inquiries soft and hard do not belong 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 2019-04-12
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:
Good afternoon, I am having a hard time with XXXX report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. XXXX not sending me report back about investigation when I send several request I am attached the result from XXXX that three collection was removed from my report and XXXX and Equifax need to update my file. I am writing each of them with the same attachment I am sending you now.

Company response to consumer: Closed with explanation