BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-25
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My complaint is that Suntrust bank has been processing my transactions in order from highest to lowest, rather than real-time. I further find them responsible for the following. 
a. Does not obtain affirmative consent from its customers prior to processing transactions that will result in overdraft fees ; b. Does not alert its customers that a debit card transaction will trigger an overdraft fee, and does not provide its customers with an opportunity to cancel such transactions ; c. Manipulates and reorders. Transactions so that it can increase the number of overdraft fees it imposes ; XXXX Manipulates and reorders debits from highest to lowest in order to maximize the number of overdrafts and, consequently, the amount of overdraft fees ; e. Imposes overdrafts and overdraft fees '' when, but for reordering transactions, there would otherwise be sufficient funds in the account ; XXXX Fails to provide customers with accurate balance information ; g. Delays posting of transactions by customers using debit cards so that customers are charged overdraft fees on transactions, even though the customers had sufficient funds in their accounts to cover the transactions upon execution ; h. Charges exorbitant overdraft fees that bear no relationship to the actual costs and risks of covering insufficient funds transactions ; In lieu of the above on XX/XX/XXXX I contacted the bank for the overdraft fees against my account. Prior to this I received notice that no fees would be charged if I made a deposit by XXXX XXXX, XXXX : which I did for {$30.00} on XX/XX/XXXX to make my account in the black. 
XX/XX/XXXX Transaction Total Transaction : {$1100.00} Total Deposits : {$1100.00} My Actual Balance : {$3.00} Bank Balance : ( {$140.00} ) Bank Overdraft fees : {$100.00} A message was sent on XX/XX/XXXX based on this fact and that the overdraft was caused by in accurate information via my cell phone with amount available which caused my overdraft with details.

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 2015-06-07
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a single family home, that is carrying ( XXXX ) mortgages. I would like to know how to go about combining them into XXXX, I brought the home in 2006, for {$200000.00} and is still paying interested instead of paying on the principal. I did loan modification XXXX, but that did not help me, if anything it hurt me instead. Because the principal went up. However, my question to you, is there anything a person like me can do to get my mortgages in XXXX. Also the house only value {$180.00} the last time I checked.please can someone look into this please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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:
Filing a complaint against XXXX. On XX/XX/XXXX sent a letter to dispute inaccurate inquiries. The credit company are not complying with their own policies in a timely manner. The company refuses to delete the inquiries.

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 2020-08-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems is trying to collect a debt not owed and dismissed in court a Magistrate Court Judge after XXXX XXXX XXXX stated in court they did not want money to prevent me from expose them for having mold issues in the apartment where I lived with my daughters. My younger daughter had consecutive pneumonias due to the mold. Reporting this as a debt is against the Fair Credit Reporting since I do not owe money to XXXX XXXX  XXXX. The writ of possession and money dues were dismissed in court after they expressed they did not want money. XXXX XXXX   XXXX  is being fraudulent and a police report that will be attached has been  filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a payment to Carrington Mortgage Services , LLC for my mortgage payment on XXXX/XXXX/15 ; including the late fee ; and Carrington has since marked my credit reports 30 days past due for XXXX and XXXX, and XXXX payment is not yet 30 days past due ( current date XXXX, note date is due on XXXX, XXXX day past due would be XXXX ) I would like for Carrington to resolve their violation of the FCRA by correcting the reporting on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX  ( XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15usc 1681 section 602 states i have. the right to privacy.

15usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late For a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have an FHA loan. My lender has refused to work with me so that I can save my home. I have a monthly mortgage payment which is XXXX % of my income. I have an XXXX-year-old XXXX living with me who gets XXXX and I have my wife and our XXXX children living with us and our grandson. I have repeatedly tried to work out this situation with the lender. Turning in several modification packets that were denied before the deadline for turning in the packet. Then at the last minute ( 3 weeks before the sale date ) we were sent a modification packet ( XX/XX/XXXX ) that we were suppose to have a 30 day period to turn in. We turned it in on XXXX XXXX, 2016 before the 30-day period was over and then called and found out that they denied us and said we were too late getting it in. My house is scheduled to be foreclosed on XXXX XXXX, 2016. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2022-05-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I'm the current owner, and there is a lien on my property from two owners ago, on a now-defunct XXXX XXXX Bank and borrower XXXX XXXX XXXX XXXX Copy of title search showing there's still lien on property, was faxed to Real Estate Lien Release dept of XXXX, and Request No. XXXX, says 3-10 business days. Requesting for paid off, release of lien to the county, and they still haven't submitted the release with XXXX XXXX XXXX recorder 's office, Indiana. Please can you make sure this gets addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: TJC Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We have been working with XXXX XXXX XXXX for a few months trying to close on our house. I was told to wire the closing Cost to the Title company so we could close the next day and then the next day I get a phone call from the mortgage company stating we have to live in the home for 6 moths according to the FHA identity of interest  certification. We have no relationship or are doing business with the seller.This should not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I paid {$10.00} to set up an account with Experian in 2007. I was a victim of Identity Theft, so I wanted to do a Freeze on my account. But of course I occasionally need to open the freeze for legitimate credit needs, but Experian has repeatedly denied access to my account. Further, they refuse to accept my own date of birth or Social Security number as authentic log in information. Further, they have no real way to contact a PERSON for assistance with these problems. 

I PAID for this account. They are obviously required to communicate with me, and provide a way to resolve log in issues.

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 2016-05-27
Company: Performant Financial Corporation
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from Performant ( phone number XXXX ) on my cell phone at XXXX on XXXX/XXXX/16. He requested I provide personal information, at which point I said I do not give out personal information to someone I do n't know. He listed off my address which I verified, and then he requested my date of birth, to which I again replied that I do not give out my personal info to someone I do not know. I then stated that if there is personal business they have with me, to mail me some documentation and I would respond accordingly. He said " OK Have a great day '' and hung up. 

9 minutes later, I was forwarded a call on my business phone from a coworker from the same exact person. He once again asked for me, at which point I interrupted him and told him that we had just spoken and that he needed to mail me some documentation before I would give out any personal information. I also told him that if I receive any more calls prior to receiving documentation, I would be getting my attorney involved. 

I have no idea what kind of debt they are trying to collect on. I was n't even mad after the first call. What I became upset about is the fact that I informed the gentleman that I needed documentation before I could respond to anything, and less than 10 minutes later, the SAME PERSON is calling again on a different phone number. That, to me, constitutes as harassment. And considering I have no idea what this company is trying to collect, it is very upsetting that they would not honor a simple request of sending me something in the 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 non-monetary relief
Consumer complaint received 2015-12-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I am approved for a new 1st mortgage and the 2nd mortgage home equity bank First Citizens of North Carolina was asked to subordinate their loan. I was declined verbally for the subordination and given the reason : I am cashing out combined with a XXXX score, however, approved if no cash out, which concerns me for Fair Lending. I also explained that the score does not reflect the recent XXXX mortgages paid in full and as agreed on XXXX/XXXX/2015 for {$500000.00}. The refinancing company also sent the XXXX to show those mortgages are paid and closed as proof and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CBA of GA, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I retrieved a copy of my credit report and immediately noted that CBA of Georgia had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureaus responded, see attached. The bureaus responded that the company verified the information as correct. How so? A third party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, XXXX did not advise the bureaus to update the account status to disputed. This is a violation. 

My continued efforts to remove this entry from my reports was through with a direct dispute to the company. XXXX responded to my dispute in their letter dated XXXX ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. They stated that they would advise the bureaus to update the account to disputed. How so? If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. As such, being in receipt and providing the requested documentation was to no avail. XXXX XXXX did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of XXXX. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. ( XXXX ) blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute. This entry should be deleted from my credit report immediately and XXXX should remunerate me for the violations.

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 2015-06-02
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector Credit Systems International , Inc. ( " CSI '' ) falsely reported to XXXX and XXXX that I have an unpaid medical bill. In fact, their client, Texas XXXX XXXX XXXX ( " XXXX '' ), was paid in full for the medical services and supplies that it provided to me, but XXXX fraudulently billed for the same supplies twice. I do not owe the amounts reflected in the XXXX-billing. However, instead of resolving the issue, XXXX hired CSI to collect on bogus charges. I have disputed these charges to all concerned, but CSI failed to respond to my letter and instead, placed negative information in my credit files at XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX In lieu of speaking with my Loan officer, he made me aware that one o accounts on my credit report was not updated. This has made my home purchasing situation more diffucult than it should be. I have made several attempts to get this revolved but I have not recevided the corrective actions necessary to my accounts as of yet. I have the credit card statement attached and requesting an immediate update to my credit card balance for XXXX bank. Currently it is should I owe more then 50 % of the credit limit. The documentation provided will show a better reflection of the balance than the update from XX/XX/2022. 

I have the credit statement directly from XXXX sent from a representative to update my credit card balance for XXXX. 

Account Name : XXXX XXXX : Account balance not updated. 
Resolve : Update to XXXX credit card statement balance ( attached ) Please investigate this matter and contact the nationwide credit bureaus to have them update the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Ditech Financial LLC
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
keep calling me saying I took out a second mortgage in 2001, amount is {$73000.00}, i NEVER TOOK OUT A SECOND MORTGAGE OR ANY LOAN, I have been on XXXX since 2001, they are telling me it is on my credit report, it is not on there, they say they have a notorized signature for me. Never received anything in the mail like they said, said they sent several notices, never got 1.This is a scam! 
I have read hundreds of complaints on them on the internet doing the same thing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: CT
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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