BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, Hudson City Savings Bank ( see CFPB case id : XXXX ) merged into M & T Bank Corporation. My mortgage for my primary residency, which I owned since XXXX, XX/XX/XXXX ( 15 years ) and resided with my wife and XXXX children fell behind in XX/XX/XXXX as my business failed. I went into pre-foreclosure in XX/XX/XXXX with Hudson City ( HCSB ). <P/>After 4 years of back and forth with HCSB submitting loan modification forms, appearing in superior court in XXXX County, NJ, and over {$15000.00} total in attorney fees and assistance, we were not able to come to an agreement on a loan modification, even though both my wife and I were working and making a strong income since XX/XX/XXXX. <P/>HCSB went silent from the period of XX/XX/XXXX through XX/XX/XXXX, no activity on my foreclosure proceedings, though they continued to pile up the late fees, penalties, and non-payment interest monthly. <P/>In XX/XX/XXXX I was contacted by M & T Bank Corporation, the new owner/servicer of my mortgage via the merger from XXXX, which was fined by the CFPB and DOJ in XX/XX/XXXX for XXXX XXXXXXXX for Mortgage Discrimination, obviously systemic issues within the organization. <P/>M & T, after numerous attempts to have them send me a Loss Mitigation package via postal mail fell on deaf ears, finally sent me a package with instructions and I submitted all my required documentation in XX/XX/XXXX. <P/>In XX/XX/XXXX, M & T contacted me with a system generated 'generic ' letter saying I did not qualify for a 'Retention Workout ' option, I was rejected. <P/>Within the letter, they offered a 'Right To Appeal ' and I submitted my appeal within the timeline given. To this date, I have not received a formal written notice on the decision of that appeal ( I have attached to this compliant ) which in the letter says I would be receiving from M & T Bank within 30 calendar days of receiving the appeal and documentation ( attached ). <P/>Also, M & T discuses 'Investor Guidelines ' that were not met based on my loan modification materials ( see attached document 'Net Income Modification ' ). To this date, I have received no formal investor guidelines from M & T Bank for review. <P/>Please see attached supporting documents attached. <P/>Sincerely, 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 2019-08-08
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my residential property with the closing taking place on XX/XX/19. I provided a forwarding address for my mortgage lender, Suntrust Mortgage, to send me the funds accumulated in my escrow account. I never received the funds, so on XX/XX/19 I called Suntrust and was told a check had been mailed to me at my old address -- the property I had sold. I was told they would stop payment on that check and send me another, and that it could take up to ten business days. On XX/XX/19 I called again to say I had not received this new check. I was told it was mailed on XX/XX/19, and I should receive it within 5-7 business days from the check date. I had not received the check by XX/XX/19, so I called a third time and asked for a manager. I was put on 'hold ' for more than 45 minutes. When the manager finally took the call, he said a check had been mailed XX/XX/19, and I should receive it any day. There was no explanation for the earlier date of XX/XX/19 that was given to me on my prior call. It was now 63 days since my mortgage loan had been paid in full, purportedly one check had been sent, but to the wrong address, and a second check was now apparently floating in space. So I told the manager I wanted the escrow account balance, approximately {$4700.00}, sent to me via overnight mail to arrive no later than XX/XX/19, and if I did not receive it by then, I would be filing a complaint. It is now XX/XX/19, and I have not yet received my escrow account balance from Suntrust Mortgage for a loan that was paid in full on XX/XX/19

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 2017-09-27
Company: CHARLES SCHWAB CORPORATION, THE
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear sir or madam, Summary : I have been with Schwab for 5 over years, but they gave me less than a month to transfer my retirement, brokerage, checking, and savings accounts before they close them and mail me check triggering unwanted early withdrawals and taxes.
Details : I am US citizen residing in North Carolina. Currently, I am overseas on a long-term work assignment. Earlier this month XXXX XXXXXXXX XXXX XXXX  sent a letter to me informing that they were closing all my accounts including Roth IRA, Regular Brokerage, Checking, and Savings by XXXX XXXX. Thus, the notice was mailed less than a month in advance. I did n't receive it until XXXX XXXX because I am overseas. I did not receive any other notifications from Schwab regarding this even though I am subscribed to receive e-mail notifications and all my statements only electronically. Additionally, I have Schwab mobile app installed on my cell phone. Their mobile app notifies me of most actions on my account, but I received no notification about these account closings.
Given the short time I had left, I started looking for other brokerage and bank firms to manage my Roth IRA, brokerage, and bank account assets in order to transfer them from Schwab as soon as possible. By the end of the XXXX of XXXX, I managed to initiate the transfer of my Roth IRA and found where to transfer my assets from my other Schwab accounts.
One problem was that my North Carolina state tax refund was still processing. NC department of revenue needed about 4 more weeks to finalize and deposit my refund. The refund amount is almost {$2000.00}. Mailing the check is not a good option for me because I am overseas without a permanent address. I called Schwab, explained the situation, and asked if they could keep my checking account open for 4 more weeks. I spoke with 2 different representatives. Both said they could not do it.
When I logged on to my Schwab account on XXXX XXXX, my accounts were restricted. Even though the letter from XXXX said that I could transfer my assets until XXXX/XXXX/XXXX that was not the case. I could not transfer my balance ( over {$10000.00} USD XXXX to my linked account with another institution. 

Sincerely, XXXX XXXX XXXX. 
A copy of the body of Schwab 's letter is attached to this complaint. I have the original if required.

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 2017-07-04
Company: CITIBANK, N.A.
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:
Per my recent credit re port CBNA pulle d a hard credit check on  XXXX / XXXX / 2016  and opened an account in the sum of {$270.00}.   XXXX  The reported address is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IL  XXXX .   XXXX  I did not open or request this 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 2021-06-14
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
Discover Bank has sent some convenience checks back in the years ( XXXX or XXXX ) l when discover credit card was opened for first time approximately in the year of XXXX in the amount of {$10000.00} or more was issued to the contractor in-between the year of XXXX. I have used that convenience check for home repair - ( finishing the basement ). XXXX took the full check amount - and did not complete work at my residence.I personally do not have any receipts from back than- due to convenience check goes to Discover Bank- & that balance was paid through one the mortgage company ( XXXX XXXX  ) which was refinance to paid off the balance in XXXXfollowed by XXXX XXXX XXXX. 
Many family circumstances for hardships and struggles during that time - I have not took any further steps to resolve the fraud- On today 's note- I wanted to start these hope for furthering the investigation on these details- due to many other situations to clear for clearing the finances. 
I have not contacted discover card due to outstanding balance-that I owed to them- which they have brought into the court case- on XX/XX/XXXX. 
Since XXXXMyself had went through many many other financial hardships due to loss of income- family changes- along with the World Pandemic Lockdown in XXXXAs of today 's date of XX/XX/XXXX ( Monday ) many other areas are not completely stabilized due to many other reasons. I am receiving support from department of social services - such as medical & energy assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: NY
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 in XXXX XXXX XXXX the other day buying some shoes and one of the  representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
this company approved me for a XXXX limit. then 3 weeks after card was mailed out to me. the company closed my account for no logical reason. also i accumulated reward points XXXXpts. in which the company will no longer let me used becuase of the closed account. i also called this bank to confirm purchases that i would be making in which they approved me to make the purchases. however once trying to purchase at store card was declined. i called this bank many times to get an understanding for these reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On informaation and belief, Experian is fraudulently charging consumers at least {$3.00} ( Georgia ) to temporarily remove a Security Freeze placed on their account. 

Following previous difficulties with Experian in temporarily removing my security freeze, I went online ( X/XX/2017 ) and attempted one again to use the online process to remove the security freeze. 

When asked the 10-digit security pin, I accurately entered it into the online process. This was the same 10-digit pin that the Experian telephonic processed requested, received and validated. 

However, the online system alerted me that the pin was not accurate and prompted me to submit the request without the 10-pin and I would be asked a few questions in order to validate my identity. 

When I did so I was prompted to submit payment of {$3.00} by way of credit card because that is what the State of Georgia allowed. 

Given the millions who have been compromised by the negligence and/or malfeasance and/or misfeasance of all of the Credit Bureaus, millions must be flocking to freeze their account. 

An immediate audit should be conducted by and independent review organization in order to determine how many times ( millions I would wager ) Experian and the other two Credit Bureaus have inappropriate charged consumers to unfreeze their accounts. Each provide a pin to allow the consumer to unfreeze the account, however, on information and/or belief, Experian and the other two bureaus XXXX and XXXX XXXX, in my opinion, developed an elaborate ruse to notice consumers that their pin was inaccurate and then subsequently charged said consumer. Again, and instant and thorough audit would readily reveal the ruse and the magnitude of unauthorized fees each have taken under false pretenses. 

As of this writing, my Security Freeze still has not been lifted allwoing creditors access to my 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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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've contacted TransUnion three times about this issue. There are several inquires that I do not recognize and or authorized. I've attached a PDF summary of the inquires that need to be removed from my credit report. There are two columns one that says authorized, meaning that I did inquire and the second column that says " NO ''. That means that I did not authorize under one heading. This appears to be part of TransUnions inquiry issue.

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Account transition from Simple to BBVA was scheduled for Saturday, XX/XX/XXXX. When attempting to enroll via the XXXX app, the process failed and the security question stage. I attempted to complete the process via BBVA 's website and was told my account was locked. After repeated attempts to get in touch with someone I was able to talk to a customer service rep that told me she would be sending an email within 20 minutes with instructions for unlocking my account. That email never came. Today, Sunday XX/XX/XXXX, I have repeatedly tried calling in with no success. XXXX my calls are disconnected as soon as I select the option to get to an agent, or I am met with what appears to be a pre-recorded message stating that they are unable to hear me, they start listing a different number for me to call, and the call disconnects before they finish. The last time I called I was connected and heard nothing but laughter on the other end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient calls every night. I have never had a student loan. I need them to quit calling. When you try to speak to them they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am having some issues with addresses on my file that are not accurate. My XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/XXXX, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent all three credit bureaus to delete these old/ wrong addresses from my credit reports XXXX XXXX XXXX XXXX , VA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , Wisconsin XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Illinois XXXX It has been well over 90 days since I sent the certified letters to the bureaus and they still have yet to respond or delete these addresses. This violates the fcra laws that protect consumers rights to.have accurate reporting and the bureaus are suppose to respond in a timely manner and they haven't

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 2020-11-06
Company: Delta Outsource Group, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX outsourced debt to a collection agency ( Delta Outsource Group ). I contacted the agency that they referred me to. The agent said they have not had the debt in over a year. I contacted XX/XX/XXXX XXXX XXXX again and they told me there is nothing that they can do because they don't own the debt. I would like to resolve this debt as quickly as possible. Emails and phone calls were made on XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I bought a power supply from XXXX XXXX with my Chase Credit Card because of all the alleged protection services, but I was n't able to return it to XXXX XXXX because they limit returns to 15 days. Chase offers protection for purchases for returns up to 90 days, so I contacted them. They told me to file a claim at their external website. So I did, after I did, it said It 'd take up to a week for them to respond. Two weeks passed, no response, so I emailed them, and they said 3 business days, yet still no response after 2 weeks. I called them, and they looked up my case and the rep was completely unhelpful. I asked how long it 'd take, it 's been a month, she said I do n't know. I asked for an ETA she said a week so I left it at that. It 's been an additional two months and they never reached out to me, never responded to my email, and nothing has been done. I looked up their return protection services online and it seems to be just a sham and false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-16
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit System failed to contact me about the debt they have allegedly ascribed to my name. I never received a phone call, any mail, nor other written notice - I had no idea this existed. I am currently in the process of validating the debt after I discovered it via checking my own credit report independent of any formal notice from National Credit System.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion refuses to remove the 11 unauthorized hard inquiries off of my report ... I contacted the companies and was told if I did not authorize it then Transunion should remove them ... this is a violation of F.C.R.A. law and neglect of my rights and concerns ... and XXXX  is reporting 6 unauthorized hard inquiries and refuse to remove them also ...

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