BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had made several large cash deposits at a citibank atm between the dates of XX/XX/XXXX and XX/XX/2022. Upon trying to use my debit card to make purchases on well known brands sites my card was constantly being declined. I attempted to contact citi and no one was able to help me get my card to make purchases. 


On XX/XX/XXXX there was an unauthorized transaction on my card for {$1000.00} upon reviewing my account i disputed that charge and several other charges that I did not recognize on my card during a phone call with a citi fraud specialist. The specialist told me my online banking would be frozen until my new card was activated. 

I receive my new card and activate it but my account was still not opened for online banking and my account was blocked for any debits what so ever. 

I called and they told me my account would be terminated and there wasnt anything they could do with {$2400.00} still in my available balance and I will be late with many payments and suffer many losses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, 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:
Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : 1. ) company name : XXXX account numbers : XXXX date open : XX/XX/XXXX amount {$220.00} 2. ) company name : XXXX XXXX XXXX account number : XXXX Date open : XX/XX/XXXX XXXX. ) Company Name : XXXX OFXX/XX/XXXX Account XXXX Date XXXX amount : XXXX 4. ) Company Name :XX/XX/XXXXAccount number : XXXX Date Open : XX/XX/XXXX amount : {$30000.00} credit Inquiries : XXXX BANK ; XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : ENHANCED RECOVERY COMPANY # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've been sending letters to Equifax credit reporting, since XX/XX/XXXX through XX/XX/XXXX, demanding actual validation of the debt on my credit file. Item in dispute ; XXXX, XXXX Receivables in the amount of {$4600.00} dollars, not my debt. I have not received any reply from Equifax nor verification documentation, per my request. Please help to remove this from my credit file, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a victim of false, misleading and deceptive practices for collecting mortgage payments by Green Tree Servicing LLC. These are the same practices they were found guilty of in Case XXXX filed by the FTC and CFPB. Specifically, paragraph XXXX. 
I received a payoff statement from Green Tree and sent money in excess of that amount to Green Tree XX/XX/XXXX. They never applied the payment to my account balance and continued to charge interest on the full amount, pay real estate and property insurance until I received other payoff amounts from Green Tree and submitted that money. This finally was concluded XX/XX/XXXX. 
I am requesting the excess amount I paid to Green Tree be refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loans are currently consolidated with Fedloan Servicing. I am under an income contingent repayment plan because I qualify for the Public Service Loan Forgiveness program since I am a XXXX. I have been making my payments on time, but under the last annual re-evaluation my payment more than doubled, causing financial stress in my budget. When I called to ask why, I was told it was because my loan had previously been calculated incorrectly, since the parent plus loans included in my consolidation did not qualify for the lower payment plan. Whether this is true or not, I made the decision to use the PSLF program because I could afford the payments I was given under the consolidation plan I was told at the time to use. I did not lie to anyone, but I went on the advice I was given at the time by the loan servicer. I feel like I am being financially stressed due to a mistake that was not my fault. I may have made different decisions 5 years ago had this information been given to me at the time. Is it OK for the servicer to raise my payment by more than double because the error was not caught? I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Community Health Investment Company, LLC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
ON XXXX/XXXX/15 @ XXXX XXXX XXXX OF PROFESSIONAL ACCOUNT SERVICES INC OF XXXX TN CALLED ME THREATENING TO TAKE LEGAL ACTION AGAINST ME FOR NOT MAKING A PAYMENT ON AN ARRANGEMENT. ON XXXX/XXXX/15 THEY RECIEVED AND POSTED TO MY ACCOUNT A CHECK FOR {$5.00} WHICH WAS THE ARRANGEMENT. SHE WAS SO HOSTILE AND THREATENING THAT I WAS REDUCED TO TEARS. AFTER VERIFYING I HAD IN FACT SENT THE PAYMENT AND THEY HAD RECIEVED THE CHECK I CALLED HER BACK SHE WAS JUST AS RUDE AND HATEFUL THE SECOND TIME AND CONTINUED TO TALK OVER ME AND ARGUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I got my credit reports and discovered several fraudulent accounts on my credit report. I've tried to fix it with Experian, XXXX, and XXXX but Experian reinserted the fraudulent accounts back to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had filed before the case was closed for lack of evidence. Documents had been misplaced. XXXX XX/XX/2020. 


I called SunTrust in XXXX XXXX. I spoke with XXXX XXXX XXXX XXXX XXXX with SunTrust Bank. I contacted Sun Trust for a case number the bank was not forthcoming. Making several attempts to no avail. 
I was using the XXXX XXXX XXXX XXXX as a payee from XXXX XXXX XXXX I was doing this voluntarily due to an XXXX XXXX 
Funds are dispersed to clients with another check, see documents enclosed. 
I allege XXXX and Sun Trust of actively defrauding vulnerable XXXX persons including Local, State, Federal governments. XXXX XXXX XXXX XXXX XXXX client. I have an account with SunTrust through the XXXX XXXX XXXX but when SunTrust looks it up under my social security number they can't find anything. 
Finding that all Social Security Administration recipient 's funds reside in one primary account. 
On more than several occasions request for funds was denied by 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 2016-11-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016, at XXXX, I went to an outside ATM machine at BMO Harris Bank, XXXX, IL., to withdraw {$640.00} from my XXXX card. However, the ATM never dispensed the money, money never came out, though it gave me a receipt as if it had given me money. The next day I went back to the bank to speak with the bank Mgr. ; he told me that BMO do n't manage the ATM 's outside, though they have BMO 's name on them. So I contacted XXXX to open a claim. On XX/XX/2016 I got an email from XXXX informing me that the 3rd party vendor who manages the outside ATM 's at that location submitted documents that indicate the ATM 's showed no surplus. But regardless, the machine never gave me money that night, and I 'm very confident the bank 's and ATM 's cameras ( which I 'm quite sure they are equipped with ) will reflect this.

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 2015-08-17
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced with XXXX in XXXX of 2015. They sold my mortgage to Freedom Mortgage and so the nightmare began. After my XXXX payment I received a late payment letter dated before my payment was late. I sent proof of payment from my bank but it did not stop their pursuit to a DEFAULT. They have lied, been rude and are duplicitous. What they say on the phone does not match what they say in their next letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Placed a call to customer service to learn why security questions were changed rapidly within 5 minutes of logging in/out. Upon return to www.FirstCitizens online.com to log on my security question was changed to request information where my mother was born. I did not authorize nor set this question myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I made a payment to for a private XXXX XXXX student loan account in collections with XXXX XXXX on XX/XX/XXXX in the amount of {$3200.00}, in order to get my account balance to {$2000.00}. My credit report gets updated between the XXXX of every month. On XX/XX/XXXX, my XXXX reported my account balance for this account was {$5200.00}, which is not only wrong but an increase from the last monthly report, and there was no payment for XXXX XXXX recorded. On XX/XX/XXXX, I call XXXX XXXX and XXXX to make sure information was updated on their end. XXXX was, XXXX XXXX 's wasn't. I start a dispute with Transunion and XXXX  on XX/XX/XXXX. I call XXXX XXXX and XXXX on Friday, XXXX XXXX and they verified that they each had communicated and updated my account. On XX/XX/XXXX my Transunion dispute was resolved. On XX/XX/XXXX, my XXXX   dispute was resolved. Both disputes did NOT change the amount and did NOT record my recent payment on my credit report. I even uploaded a bank statement document to prove my payment, and provided my payment confirmation number for my XXXX  dispute, yet it was still not denied. I open another dispute with Transunion on XX/XX/XXXX and with Equifax XX/XX/XXXX. I know for a fact the information is updated and available. I don't know where they're getting their information from or if they're just delayed in updating it. I'm start graduate school in XXXX in 2 weeks and I needed to apply for a GradPLUS loan by XX/XX/XXXX. This has delayed me because based on the incorrect credit report, I would be denied for the loan needed to pay for school.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX ( {$4200.00} ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-11-07
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
When this collection agency first contacted me ( XX/XX/XXXX ) about an alleged {$180.00} debt from XXXX, I immediately sent a debt validation request ( XX/XX/XXXX ), requesting bills, contract, etc. They did NOT send me any of the requested information, but they did stop calling and writing me for exactly 1-year. Now, *EXACTLY* ONE-YEAR later to the day ( XX/XX/XXXX ), they mailed me another letter, and are calling me again ( XXXX times a day ). This is without providing any of the validation requested in XX/XX/XXXX. What is more disturbing is that they changed their name from XXXX XXXX to Diversified Adjustment Service and changed my account number, presumably to wrongly renew collection efforts, which they would not typically be able to do, having not responded to my validation request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX showing up in collection with a balance of {$0.00}. Do n't understand why this was put on my credit report, have n't received any paper work

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have had the amount of {$19.00} withdrawn by debit card from my BOA account for 6 months, beginning XX/XX/XXXX. Every month, there is a debit card charge to a DIFFERENT COMPANY for the same amount. Most of the names of the businesses have no phone number or contact information. I called this month 's company, only to be told they can not locate me as a customer, although their number is listed on the bank withdrawal/payment. Bank of America does nothing but refund the money and send me a new debit card. They say this is most likely an auto-renewal situation, but are unable to state who the initial debit was made by. How does the fraudulent company receive the new debit card number every month? Who is giving out that information? My legitimate companies contact me every month for a new card number, why doesn't that block the hacker from receiving my information? I can not continue to receive new debit cards every month, having to change all of my banking information with my accounts. 
The names of the fraudulent accounts are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Supply XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX The last company listed is the only phone number on all of the debit card charges. I spoke to a rep there who stated they have no account under my name, phone number or address. 

Any advice will be appreciated. I have to stop this recurring fraudulent use of my 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 monetary relief
Consumer complaint received 2016-10-19
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a financial situation occur that was not my debt that brought my bank account balance down to nothing. I called my mortgage company in XXXX while I was still current to inquire as to if there was anyway to skip a payment. They informed me that they could do an " informal forbearance '' and I could skip that months payment and they would split it up over the next 3 months along with my normal payment. I told them that I could make my payment if it was going to adversely affect me and I was told that there would be no issues. I made the payments as agreed and well before the time they were due each month. I happened to look at my credit report and saw that they were reporting me as being 30 days late for the 3 months. I called my mortgage company to ask why this was and I was informed that they were sorry for neglecting to tell me I would get reported as delinquent and that there is nothing they can do about it. I reminded them that when I made the arrangement I was still in good standing and only did the payment arrangement as I was told it was not an issue ... and their response was again, " we are sorry for not telling you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I own my home through Freedom Mortgage XXXX XXXX XXXX and have since 2007. I am experiencing a hardship with paying my mortgage, presently. I have reached out to Freedom to try and gain resolution to my problem to no avail. In XXXX, I reached out to Freedom to perhaps refinance at a lower interest rate and was handled so unprofessional and rudely, getting nowhere, but further behind. I have depleted ALL finances available and still have no help from Freedom. Freedom has no resolution steps for people who experience the unfortunate situation as me and I regret having them as my mortgage company. I have been a loyal customer since 2007 and feel there should be something in place for times like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation