BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-20
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We never signed the note only the mortgage, the note signer passed in XXXX. We were never billed, we were never notified of servicer changes, our payment or calls were not accepted. We were sued by Bank of New York Mellon who forged the note, violated stay in bankruptcy court, allegedly robo signed assignments, violated civil court mandatory mediation and abuse legal process by having hired 5 different law firms. One of which, XXXX XXXX went to a mediation with another attorney and even though Im pro se told the mediator that he represented me. This was done during a bankruptcy stay. XXXX, XXXX  XXXX XXXX and XXXX are the servicers and Ive never heard from any of them since XXXX. The lawyer that was misrepresented as mine although I am pro se is constantly trying to buy my house at a short sale and has harassed us about it for years although we have told him to back off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This organization is in clear and blatant violation of FDCA. The person who interviewed me, XXXX XXXX, told me that he is an attorney and represented legal counsel and they were going to sue me. Additionally, he did not disclose the mini miranda warning to me upon me calling him with regards to the collect of the debt and said that there would be a default judgement against me that I would be forced to pay. Additionally, there was no written correspondence regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My Equifax credit report incorrectly states that my XXXX account was sent to collections. In fact, my XXXX account was set to auto-pay and the collections information was entered as an error. I have disputed this with XXXX via certified mail and filed a dispute with Equifax which was not resolved to my satisfaction. XXXX has removed this account from my credit report and I would like Equifax to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Recieved a Call today from my Mortgage loan servicer and was told that I was currently late on my XXXX payment. I then looked back on my records and saw that my account was debited the payment for the mortgage payment on XXXX XXXX. The representative I spoke with explained that because the payment was received early they only credited it to the principal at that time. I had explained that no it was for the XXXX payment and that it was paid on time according to there records and mine. XXXX XXXX who was the representative with Seterus - then explained that there system is not able to process it any differently and that I was responsible for late fees for the month of XXXX. After a little more discussion I was then put on the phoe with a supervisor - XXXX XXXX who then at first attempted to tell me the same thing until at which time I told her I would file a complaint with the CFPB. Soon there after she told me I would not be charged a late fee and told me to have a nice day. 
I have been in the mortgage business for over 25 years and have never heard of anything so crazy with regard to loan servicing. I am making you aware of this because I am sure this appears to be somewhat of a deceptive practice used to charge late fees and feel that others without the knowledge and experience I have have probably paid the fee and went on. This is the sort of stuff that gives my industry a bad name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a collection on my Equifax credit report that is inaccurate. I have disputed the charge several times through Equifax with no luck of having it removed. This same charge was found to be incorrect by a XXXX dispute investigation and it was removed from that credit report. I want it removed from my Equifax report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, a new hard inquiry was added to my credit report from Citi Bank. I did not try to open any new accounts with Citi Bank. I called them directly, and when searching my social security number, they have no record of me or my social linked to any open account or active application. As of XX/XX/XXXX, there are still no active accounts with my information.

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 2022-10-19
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:
To Whom It May Concern, I am writing to make you aware that I have been a victim of identity theft and am not responsible for the following accounts ; 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 I am demanding deletion of these items from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Police Report and Federal Trade Commissions Identity Theft Affidavit for this case. 
Section 605B states that if A account is the result of identity theft, then it must be removed from my credit report. 


THIS REQUEST HAS NOT BEEN MADE IN ERROR I DID NOT OBTAIN POSSESSION OF GOODS I DID NOT RECEIVE SERVICE OR MONEY AS A RESULT OF ANY TRANSACTION ISSUE. 
THIS IS ME ( XXXX XXXX XXXX ) SENDING IN THIS REQUEST DO NOT SEND ME A STALL LETTER ABOUT ANY THIRD PARTY OR CREDIT REPAIR COMPANY I HAVE INCLUDED MY IDENTIFICATION

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 I make a Deposit in my Bank of America business account XXXX XXXX # XXXX for {$1300.00}, on XXXX/XXXX/2016 Bank of America make unauthorized withdraw total XXXX from my account, claiming for XXXX ID:XXXX XXXX, I did not authorize Bank of America to make on with draw from my account. can you help please?

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 2016-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have noticed that I have multiple hospital bill on my credit report when I started the process to buy a home after careful inspection I known that the bill are not mine. I have had this problem before where someone has been using my information at the XXXX and receiving services under my name. I have disputed them with all three credit agencies and Equifax is the only agencies that has not removed them. The other agencies stated that there was not valid proof that the bill belonged to me. I am not sure how to go about this, I called the XXXX and asked how they verify that the patients is really the patient that are receiving services and they stated that the person has to give a name and a DOB. This process needs to be changed I 'm sure I 'm not the only person that this has happened to and I do n't know how to get information so that I can prove that it was not me whom received the services. And why is it that these collectors could not validated information to the other XXXX credit agencies but they could validate the information to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CORELOGIC INC
State: NV
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, CREDCO add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2017-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX accounts listed which do not belong to me which are XXXX XXXX XXXX # XXXX and XXXX XXXX Bank XXXX I 'm requesting these be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Equitable Acceptance Corp
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was solicited on line for a student loan forgiveness program in XX/XX/XXXX. After all the information was given to XXXX, I was told that all my student loan would be forgiven except for {$1300.00}. I was sent a letter to set up payments through XXXX I have been paying them {$39.00} a month for 1 year as of XX/XX/XXXX I still kept receiving bills from my dept. of education loan. This company did nothing for me. 
In the meantime, I was given a ( TPD ) Total Permanant XXXX status by the dept. of education. I started the process with the XXXX in XX/XX/XXXX I was not obligated to pay XXXX during the application Process. In XX/XX/XXXX I was absolved of the loan by XXXX. of XXXX. 
XXXX has continued to harass me by phone, despite my sending the information to both XXXX Advocates, and XXXX. I had to close my bank account to stop them from taking my money. 
I notified these XXXX companies by email, sending copies of my discharge, XXXX says they ca n't discharge the loan unless XXXX Advocates says they can. Student Advocates refuses to send my discharge to them, because they are in this together! I have been charged 17.99 % interest on {$1300.00} and it wo n't be paid off until XX/XX/XXXX 
I filed a complaint with the XXXX. of XXXX in XX/XX/XXXX and was encouraged to file with this agency as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Factor Trust
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Factor Trust XX/XX/2019 XX/XX/2019 XXXX know what this is I had a credit fraud reported in XXXX  requesting to be removed because this was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fare credit bureau act this creditors SYNCB/Belk/Dual XXXX XXXX XXXX has violated my rights, under 15UCSC 1582 section 602 stating I my rights to privacy, 1581a section 1604a section 2 a states that a consumer reporting agency can not furnish an account with out my writing instructions, 15USC 1666b states a creditor my not treat a payment on a credit account card under an open and consumer credit plan as late for any purpose. I want it to be removed and bill canceled.

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 2016-07-20
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the process of working through a formal repayment with my lender because I had some personal health issues as well as lost my job. The lender agreed to enter into a formal repayment plan with me but continued to go down a parallel path of foreclosure. Now my home is set for foreclosure sale before the formal payment plan has been set in place. 

I also have an issue on the amount of the mortgage payment as I have updated appraisal information that has not been applied to the monthly mortgage payment.I would like the mortgage payment to reflect this new amount of the mortgage. 

I have not received a itemized sheet detailing the XXXX in attorneys fees that have been added to the overall total in which I would have to pay back so I would like a itemized sheet detailing these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am a recipient of NYS XXXX. My coverage renewal was mailed to me XX/XX/XXXX. I had to fill out my NYS renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XXXX that I found out that I no longer had XXXX XXXX Coverage. So, my coverage was canceled from XX/XX/XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the social service office at Medical Assistance Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XXXX 2015 I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the XXXX is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
Dr XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX XXXX # XXXX service date XXXX. My NYS XXXX Benefit Account # is XXXX My Managed Care XXXX card # is XXXX. I am requesting that NYS XXXX or XXXX XXXX XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NATIONWIDE CREDIT & CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Above company has reported a debt collection amount of {$840.00} to XXXX and other credit companies which has reduced my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
We contacted Susquehana about refinancing our HELOC. The broker explained the eligibility requirements and the terms of the loan. One of the key factors was an introductory rate of 2.49 % that would last for 12 months and then the loan would convert to a variable rate of prime minus a .25 % discount for having a Susquehana free checking account with automatic loan payments deducted from that account. The broker explained there was a loan to value ratio ( LTV ) we could not exceed taking into account our primary mortgage. We explained that the purpose of the loan was to pay off the original HELOC which was $ XXXXand to have the ability to use the HELOC for home improvement and potentially a down payment on a second home. The broker told us that we were approved for a {$420000.00} HELOC and we assumed that based on a XXXX appraisal of our home and approximate first mortgage of {$700000.00}, that this number represented an acceptable amount within the acceptable LTV parameters. We were never presented with any alternate loan figures or told that by agreeing to this amount, we would not be within the promised variable rate after the first year of prime minus .25 %. So we accepted the offer and closed on the loan. 
The first year of the HELOC payments were as expected. During the course of the year, we only used under {$300000.00} of the HELOC. However, at the one year mark, the loan payments doubled. When we inquired what the new rate was, we were told that our loan reset to prime plus .25 % ( instead of the expected minus .25 % rate ). When we asked why, we were told that our overall loan amount at closing exceeded the XXXX % LTV and therefore we were not entitled to the prime minus .25 % rate. 
The broker never explained that if the HELOC LTV ratio exceeded a certain percentage that the introductory rate would reset to a higher APR after the first year. And we were never given an option of borrowing less so we would not exceed the LTV. Indeed, we did not use 70 %. 
We immediately contacted Susquehanna and asked if they could lower the loan limit to bring us within the acceptable LTV limit but they could not. And they refused to reset the rate to the original promised rate. 
At this point we feel that they maximized the loan figure for their own benefit. We had no way of knowing this would occur or that we were not within the acceptable LTV ratio until after the first year when the rate changed. By then, it was too late and we are stuck with a higher loan we do n't need and with higher interest payments. In addition, we ca n't refinance because we would be stuck paying additional closing costs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are negative items that I disputed with XXXX and XXXX and now I need Equifax to fix the one on theirs. Also my DOB is in wrong it 's XX/XX/XXXX not XX/XX/XXXX and also my middle initial is XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX closed an account of mine with them on XXXX XXXX, 2016, stating in the letter " because we no longer offer this type of product. '' Equifax reports that the bank reported to them that the " account [ was ] closed at consumers request ''. I did not request closure -- that is a false report. My credit score dropped by about XXXX points because of the reduction in total credit. My credit has been damaged by a false report. The bank should either not have closed the account or should make the report right with Equifax and ensure my credit score is not harmed in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BANK OF THE WEST
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Aggressive agency continues to call a phone number that is registered to my XXXX XXXX XXXX mother asking for me. I have no idea who these people are the gentlemen that keeps calling is very rude, loud and has attempted to intimidate me and my mother with loud talk and aggressive voice tone, leaving messages after I have told them I don't know who they are I dont owe anyone any money and cease calling and to take my moms number out of your phone they have refused to do so, calling from multiple numbers from various area codes, the recent call was today XX/XX/22, where by this person once again left a message attempting to intimidate a XXXX XXXX XXXX again this is her phone, not mine and I don't owe any money to anyone when asking this person to show proof I owe any money the person attempted to trick me into saying its my debt when in fact it is not. I dont know these people I signed nothing with them or there client whoever that may be and I am being harassed and so is my mother by these people calling a phone that belongs to her top calling trying to collect on debt that doesn't belong to me I checked my credit today these people placed this on my credit report saying its bank of the west I dont have any credit accounts with bank of the west there is no wet signature with said company and otr bank of the west. cease and decease, remove the erroneous reporting and or show proof its my debt I didn't sign anything for credit with bank of the west or this agency

Company response to consumer: Closed with explanation