BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a modification of my loans with Bank of America for many years and all they do is keep trying to sell my home at foreclosure with the current date set for XXXX XXXX, 2016. The Attorneys that I have talked to have said that the entire loan should have been canceled because of the Fraud committed upon me and my XXXX son but the Fraud division of Bank of America refuses to talk to us. Can you help me? XXXX XXXX, XXXX XXXX XXXX XXXX or you can contact XXXX XXXX at his email ( XXXXXXXXXXXX ) but he can no longer help me because he retired and is no longer practicing law.

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 2015-04-29
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The same company ( using multiple numbers ) keeps calling my house and immediately hanging up if someone answers. The calls happen multiple times a day ( as many as XXXX in XXXX day ), every day and sometimes early in the morning or late at night. This is not only a clear violation of the Fair Debt Collection Practices Act, but is also violating South Carolina state code on telephone harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Michael J. Scott filed charges against me in the Justice Court several years ago. Judge XXXX XXXX was presiding and she dismissed the case after determining that it was not my debt. Now Michael J. Scott & Associates are once again trying to threaten and intimidate me trying to get me to pay the debt in the same case that Judge XXXX XXXX dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Van Ru Credit Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I represent a client and am doing work for her on her finances, credit, and debts. 
I received a call from someone saying that he was a friend of my client and wanted to know what services I provide. He mentioned my clients name and asked if I knew her. I confirmed I did. I explained what services I provide. He then said he was unsure if he could work with me. I asked who he was and he did say he was with Van Ru Credit Corp. but would tell me no more. I asked " are you debt collector '', he said " he could not answer that ''. I asked " are you attempting to collect a debt '', he replied " he could not say ''. The call was then terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over a year ago I reported to transunuion that a company I had a loan with reported a late payment incorrectly I submitted to both my bank info showing pmt. The loan was pain in full XX/XX/XXXX. Again this month they reported another late pmt XX/XX/XXXX I made 2 pmts that month so far from late. They have wrecked my credit score its dropped over 100 points Ive had credit limits lowered bc of this incident they failed to investigate after I requested by certified mail as well as the company that reported it being wreck less and careless and I want to sue both companies now XXXX XXXX and transunion. They have carelessly changed their minds 4 times over this first it was XXXX then XXXX then XXXX now XXXX again so there is no way at all transunion investigated anything I sent them certified mail.

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 2015-11-18
Company: Fay Servicing, LLC
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Applied for Mortgage assistance with Fay servicing and recieved and offer of a loan modification by phone on XXXX/XXXX/15 and recieved written offer on XXXX/XXXX/2015. The new mortage payment under the TPP was more than I had been expecting at almost fifty percent of my take home pay. I consulted with my housing counselor who was unable to determine from the modification offer letter the type of modification i was being offered. My housing couselor then contacted my assisigned specialist at Fay servicing to enquire about the offer I had recieved. The specialist informed him that it was a propriortory, that the HAMP modification had been denied due to insufficant income and insufficant yeild. When my housing counselor asked him if a denial letter had been sent, he was told that no letter had been sent to me because they were able to offer me the propriotory modification. Because I was not sent a denial letter, and therefore did not know that my modification offer was not a HAMP, I was unaware of oppurtunity to appeal HAMP denial. Fay servicing specialist has advised me to appeal denial at this time however if a denial letter had been sent to me at time of HAMP denial, I could have appealed sooner and avoided delays in modification process.

Company response to consumer: Closed
Consumer complaint received 2023-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by XXXX XXXX from XXXX XXXX, XXXX on XXXX/XXXX/XXXX demanding I pay a debt. I asked what debt? He replied an old XXXX debt. I told him I never had a XXXX account and demanded he send me validation. I received a letter from him dated XXXX/XXXX/XXXX stating I agreed to pay the debt on XXXX/XXXX/XXXX. I sent a response letter to him denying that the debt in question was mine and to send verification. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had received my dispute claiming unauthorized use of account. Today XXXX/XXXX/XXXX I receive XXXX letters from Jefferson Capital.1st dated XXXX/XXXX/XXXX stating they have received my dispute and are unable to resolve and request my SSN, Act #, description of error, dollar amount, date of suspected error, and copy of credit report. It 's been 4 months for them to respond! And then they are asking me for information that I was attempting to get from them for validation! The second letter I received the same day " introducing '' themselves as a debt collector and stating I have 30 days to dispute the debt. Is n't that what I 've been doing since the first phone call and letter four months ago?!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
wrong date of birth submitted a dispute 2 times but problem still not resolved

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 2015-06-04
Company: Performant Financial Corporation
State: SC
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I requested that Performant call my cell number as a PRIMARY contact # However the representative called my home number. I am concerned that I will miss critical calls re : my payment status if the primary contact number is not used to contact me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
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:
Chexsystems received a notification from XXXXXXXX XXXX that my account had been closed due to fraudulent activity. Which is false. I had previously requested to have the account closed remotely ( I had XXXX at the time ) due to their excessive overdraft fees. I nearly took legal action against them until a class action law suit was filed and I was awarded over {$300.00} in reimbursements for fees accrued. XXXX XXXX are now demanding the exact amount I was awarded through the law suit be paid in order for my chexsystems record to be cleared I have requested that Chexsystems remove this record but they said I should negotiate with the bank despite my concerns that the bank was retaliating against me due to my initial complaints. It is a tactic one of their reps said they would use. I can not afford to wait for Chexsystems 30 day investigations. This is already the second one. I receive my XXXX  loans through a credit union. I have delayed spring enrollment because I can not open a checking account at my credit union so I can process the loan.

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 2015-05-27
Company: EMBRACE HOME LOANS
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I XXXX XXXX applied for a refinance loan for my home with Embrace Home loans. I was assured my application would pass at least that is what the loan officer told me. I asked before I paid XXXX for an appraisal. The loan officer said, " I do not see why it should not pass ''. So I paid for an appraisal. Also I was told I had a credit score of XXXX and my spouse of XXXX. I received a letter from Embrace denying my application and along with that application was my credit score which read XXXX and spouse was XXXX. Furthermore, the appraisal had errors. XXXX error was the house was built in XX/XX/XXXX but it was actually was built in XX/XX/XXXX. Which concludes appraisal was invalid therefore a refund of the appraisal would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
" XXXX XXXX XXXX '' credit inquiry reported on XXXX/XXXX/2016 is not something I authorized. I suspect my identity has been stolen

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 2020-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a follow up complaint to complaint number XXXX which has been closed. I have had additional interaction with Capital One and the dispute has not been resolved to my satisfaction. In a very brief summary of the case, my husband used a Capital One Visa to pay for a ride from the airport in XXXX, XXXX to a hotel. He was told the card was declined, but our card was billed {$1200.00}. He paid {$40.00} in cash, which we have no receipt for. After I filed my initial complaint with you, Capital One refunded {$1200.00} to our account ( the original amount minus the {$40.00} quoted to us for the transport since we could not document our cash payment ). In a letter dated XX/XX/2020, they said they asked the merchant to respond to my claim. I just received a letter that they are billing the entire {$1200.00} to our account again ( not even giving us credit for the {$40.00} I have already paid ). They are willing to provide us with {$200.00} as a reward for our loyalty, etc. After speaking to four people today, I was informed that the merchant was not asked for and does not need to provide any justification for the amount of the charge since we could not provide a receipt for {$40.00} paid in cash or an invoice. Apparently there is no further dispute process if you do not have a receipt. I do not know if we would have had additional dispute options if my husband could have successfully gotten out of the car so that we could have legitimately claimed that he got no service. The scam was successful in that they pulled over right outside the airport, asked for his card and refused to return him to the airport after telling him the card was declined. It seems that scammers are reinforced for their bad behavior because they are not required to provide any justification for their charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
block fraudulent account from credit report due to identity theft XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX  {$87.00} XXXX XXXX {$8900.00} XXXX {$9400.00}

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 2016-07-08
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On late XXXX or XXXX XXXX of this year ( 2016 ) I received an annual escrow account disclosure statement from my mortgage lender, basically saying that they have reviewed my escrow account and the determination was that I had a surplus of {$3700.00} and a check will automatically be mailed within 30 days ( statement date was XXXX/XXXX/16 ). Exactly the same situation happened last year, I had an escrow surplus, a check was going to be mailed within 30 days and I did n't receive any check, either last year or this. They lie to me when they told me that last year they mail a check and because the check was not cash, it was deposited back to my escrow account ; the escrow account activity does n't show any withdrawal to reimburse me with the excess escrow funds. And this year after I called XXXX today ( XXXX/XXXX/16 ), they are revising the account again, even I have the statement from them confirming the surplus and reimbursement within 30 days. 
My mortgage company is SunTrust Mortgage. I believe they do unfair and deceptive acts and practices, use false and deceptive statements to withhold client 's funds in violation of homeowner 's rights and protections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I am entitled by law to get a copy of the appraisal made for my refinance in XXXX. I never got it. Failure to provide it would constitute appraisal fraud and I understand that I can report the bank or servicing company if they refuse to comply. Recently, I have been in touch with the new servicing company. I had requested it via email on XXXX to no avail. I called back in XXXX and spoke to the manager. During our phone conversation, I insisted I would have to report them ( Fay Servicing ) to your offices if she would not provide me with the appraisal used for that refinance. This was during my last follow-up attempt when I reached XXXX XXXX who transferred me to another rep who was then handling my file, who then in-turn tapped me into the manager. She was not a nice person and focused more on how I mispronounced XXXX XXXX 's name than my relevant concerns. She was using an intimidation tactic to scare me off. Although that email had been acknowledged She insisted I must re-write them a full letter - again. The company contact info is : XXXX XXXX, Fay Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX toll free XXXX direct XXXX fax www.fayservicing.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CITIBANK N. A Approximately XXXX XX/XX/2022 I opened a checking account with Citi Bank XXXX When I opened the account, I deposited a total of {$2600.00} into account. In mid-Late XXXX I attempted to login to my account, and it would not let me. I contacted your bank to unlock my account and was told that my account is being closed and I received a number to the fraud section. I then called the fraud section and told my account was closed and they could not give me a reason of why it was closed. I was informed that in 60 days the account should be closed, and my money would be mailed to my address on file. On XX/XX/XXXX I received a letter stating the same information with a phone number on the bottom. I called this number but received the same information that I had previously been told. 

I waited out the 60 days and contacted Citibank again the end of XXXX, this time they informed me the account had been closed and has a XXXX balance. I asked them if they knew when a check was sent, and they said it had not been sent and asked me to hold on so they can see what they can do. She then came back and told me she regrets to inform me that there is nothing more they can do. I was confused and said what do you mean, and she repeated the same answer. I told her that I should be getting the XXXX back and is there someone else I can call and was told once again there is nothing they could do, and they were going to let me go. 

So, my account is closed, and my money is missing and at no time was there actual fraud. I dont care about the account but really nee my money back XXXX XXXX Account Ending 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 monetary relief
Consumer complaint received 2020-03-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They called me multiple times in one day and said my credit would be ruined. I got a mail saying they would use adverse measures to collect the funds ( even after theyve reported it to all three credit bureaus ) and i called them after receiving the mail and they threatened to take me to jail if i do not pay.

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 2017-01-27
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hi, I have private student loans taken out while I was in XXXX. I pay extra on these every month, directing my payments in an attempt to pay them down. 

I have XXXX loan with a ~ {$12000.00} balance at 5.4 % interest.In repayment since XX/XX/XXXX. I have paid {$230.00} over the past XXXX days and they are still showing I have a payment of {$150.00} due with {$50.00} of outstanding interest. I pay regular payments every month, in many case bi monthly and I still have large amount of interest outstanding across my XXXX private loans serviced by AES These loans have been in repayment since XX/XX/XXXX in the case of the other XXXX loans but the payment always goes to mostly interest, even with me paying extra. 

I do not understand how large interest amounts acrue with me paying regular extra payments.

Company response to consumer: Closed with explanation