BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-11
Company: SUNTRUST BANKS, INC.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have had a continual problem with my current mortgage company year after year attempting to force outrageous homeowners insurance on me, while have had continuous good coverage with XXXX. Come tomorrow I will be contacting my State Insurance Commissioner and the CFPB to determine if it is XXXX or Suntrust Mortgage which is responsible and/or co-responsible for my last three years of TORMENT BY FRIVOLOUS & IMMEDIATE FINANCIAL THREAT. 
For the last three years I have made calls to XXXX XXXX to change my mortgage supplier to Suntrust Mortgage, Loan : XXXX All three years I made calls to Suntrust Mortgage to get automatic exchange of information. They said it was MY problem and refused to contact XXXX for any updates. 
I have years in a row spoken with XXXX staff to HAVE THIS CHANGED ON THE DECLARATIONS PAGE. YOU HAVE THUS FAR REFUSED TO DO SO YEAR AFTER YEAR. Each year I GET FINANCIAL THREATS BECAUSE OF THE FAILURE TO TRANSFER MY MORTGAGE HOLDER. 
I DID NOT REQUEST A CHANGE IN MORTGAGE HOLDING. IT WAS DONE WITHOUT ANY REQUEST BY ME!!! 
XXXX or XXXX of you incompetent financial companies is responsible for my distress. What if I was on vacation or in the hospital for a couple weeks. I WOULD HAVE BEEN ILLEGALLY SADDLED WITH AN EXPENSIVE AND SUPERFLUOUS HOMEOWNERS POLICY. 
Suntrust says I am responsible to provide the missing information, but they bought the mortgage from XXXX XXXX with nary but a XXXX paragraph letter after the purchase fact. 
XXXX year after year will call Suntrust ( after I have provided the phone number ), but never changes the Mortgage Holder on the Declarations page, causing this to be a repeating CATCH-22 financial threat. I need to know which party or both are responsible for what I believe to be an illegal financial threat and potential immediate illegal action against me. 
PS. GOD BLESS XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Merrill Lynch sold my loan to Bank of America. Bank of America calculates the interest on the loan differently than Merrill Lynch did. The Bank of America calculation is always either the same or higher. I contacted Bank of America and was told that they are aware of the difference but will not be calculating the interest the way Merrill Lynch did. Bank of America told me that I am not the only XXXX with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2019 I was a victim of identity theft andRequested the fifth third bank close my account that I have had for over five years. They agreed to close the account and I found out they did not shut the account down. I ended up filing a police report. I called back again several hours later and the loss prevention team told me they were not going to shut the account down and I could dispute any transactions that were fraudulent to make a long story short I ended up losing {$600.00} that was in my account and fifth third tried to write off {$4000.00} ofTransactions that they allowed a fraudulent company to write bad checks out of the account in which I asked them to close. Fifth third then requested that XXXX  XXXX XXXX XXXX review our phone conversations when I requested a 609 fair credit proving that I authorized in writing for the fraudulent parties to indeed make the charges on my account. Which both fifth third and XXXX  XXXX XXXX failed to do Fifth third owes me {$600.00}. In addition to removing all negative Calories from the three credit bureaus in addition to checks link in the like.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In   XXXX   wells  Fargo  charged my account off due to not paying. Since then for the last 6 years they have been updating my account every month which from my understanding is illegal to do. I 'm trying to get a loan for a house and this is the only thing holding me back. It also shows a balance for {$7400.00} which of it was charged off i would n't owe wells Fargo. I called them recently and they are updating my address but would n't accept any money or talk about my credit with me.

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
INFORMATION AND ACCOUNTS WAS LISTED ON MY CREDIT REPORT THAT I DID NOT OPEN

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 2020-08-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advise that XXXX XXXX XXXX has agree to remove Account # XXXX from my credit file, please process this request as soon as possible, I'm sending the original CFPB complaint and their responses as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This group has been calling for about a year. The name recently left on voicemail is CBE Group, Ph : XXXX, www.CBEGroup.com. They do not disclose the nature of the alleged debt, nor the alleged creditor name, even when asked. Usually they leave a voicemail, but on a recent call, I took it and asked what it is about, at which time they said they do not disclose that information. They asked for me to confirm my name and address, and asked for my SS #. When I asked again for creditor identifying information the man said ( in a very threatening voice ), " I do n't play games, sir. '' At that point I said that I do n't play games either, and hung up. Their most recent call was from a female. I called the phone # she left, and after a long pause, the electronic voice said they could not put me in touch with a representative, and for me to call back later ( yesterday ). I went online to the site they said I should and filled out contact information to access them and got rerouted several times, so I gave up and today I called the FBI and your office. I believe I do not owe an outstanding debt, but just in case, I called several creditors to see if I missed something. I was told that they did not send my account to any debt collector. At no point, have I received a letter, dun notice or other documentation. Please help me resolve this. I will also call my state Atty General and the do not call registry again. As an aside, after I went to their ( CBE 's ) online site, I immediately got a call from a tech specialist who said I had asked for tech assistance for my computer. When he realized I had not, he told me to be careful about inputting my name and contact information online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax stated that my credit report, along with millions of others, was compromised due to a breach in their security platform. This has put my personal credit history and financial security at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX XXXX account being reported on my credit report has been settled and there is a XXXX balance. My experian report is not reflecting as such. I am in the process of buying a house and this discrepancy came up. I demand full deletion immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Shellpoint Mortgage assumed responsibility as my new loan servicing company for the first payment due in XX/XX/XXXX. I learned of an issue with my timely made XX/XX/XXXX payment when I went to make payment for XX/XX/XXXX. I immediately called Shellpoint to inquire about the issue and what occurred with the payment made in XX/XX/XXXX, at which time I was provided inconsistent information from two different representatives. Shellpoint reported my payment to the three credit bureaus as having not made a payment timely, although their records clearly show that I did make payment timely in XX/XX/XXXX. Also, in communicating with Shellpoint about this error, I was told that my payment was returned because the banking information did not match and that my banking institution returned the payment, neither of which was true. We confirmed my banking information, confirmed that I had adequate funds to cover the payment, and that the payment was made timely in XXXX. I asked for them to remove the error from the credit bureaus, had made this request more than once, called on the phone multiple times ( once with my banking institution on the line to confirm again for a second time my banking information which matched completely and to confirm that my banking institution did not return any payments ), and I submitted a detailed letter laying out the history and proof of a timely payment. I followed up because well over 30 calendar and business days have passed, and I have heard nothing. So, despite trying to get this resolved in an orderly way and being promised that I would get a response and a return call, none of this has happened. Therefore, I am filing a complaint with the CFPB to assist with rectifying this situation. I have attached my complaint letter and additional proof of the issue and my attempts to resolve it. 

As a secondary issue to note for CFPB to look into, which feels very suspicious in nature given Shellpoint 's history, Shellpoint seems to withhold additional escrow funds unnecessarily and improperly and conducts escrow reports frequently to justify their actions. I have never had this much money withhold in escrow. This issue should be looked into as well to see if other consumers have raised this issue about Shellpoint and also my escrow review and withholding that changed only when Shellpoint took over is suspicious. I have had three prior loan servicers and have never had this issue. Even the representative I was speaking to on the phone noted that this escrow review being conducted multiple times in a short period was highly unusual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. On XX/XX/2020 I called US Bank for 50 minutes when XXXX answered and could not find closed account with all verification. 2. XXXX refused to transfer to a supervisor although asked 5 times. 3. XXXX, mrg of XXXX, closed my account with less than a week notice to get everything. 4. It took 2 hours when went in per XXXX XXXX request. 5. The bank as not sent me statements i requested. 6. Us bank did not process disputes when I put them through. 7. Now they are questioning a dispute although send me no statements and removed online access do I can check and US Bank can STEAL MY MONEY.

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 2023-01-20
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: AES/PHEAA
State: CA
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 spouse and I signed and submitted my request for the REPAYE program on XXXX/XXXX/2016 electronically through XXXX. The request reference number is XXXX. As of XXXX/XXXX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was on Bank of America website last week to make a payment to my mortgage account. 
The website was having issues, I was not able to submit a payment. 
I made a complaint via the on-line message center, I never received a response from BOA. I went back into BOA yesterday to try the payment again, there was NO mortgage listed there at all. 
I called BOA, they said the Sold my mortgage to XXXX XXXX XXXX XXXX which is a total SCAM company. I do NOT want my Mortgage sold, I like having my mortgage account with Bank of America. I have several accounts with them. This is extremely distressful and all I want is for Bank of America to NOT sell my mortgage to anyone. 
The worst part is I already, previously had this mortgage with a Scam Company before it was with BOA, it was COUNTRYWIDE MTG. 
I do not need another Scam company handling my Mortgage! Please help! 
Thanks, 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 2016-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is a complaint about Bank of America. Why am I being charged an {$8.00} maintenance fee? I do n't use the teller. 

These fees are illegal under Section 502-09 of the US Banking Code. Please remove the fees and reimburse me the fees.

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 2016-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America WRONGLY and ELECTRONICALLY debited {$870.00} from my checking account, XXXX. I NEVER authorized a bill pay payment to XXXX XXXX on XXXX/XXXX/2016. They claim I did - I DID NOT. They are REFUSING to refund the money to me. 

This situation is a great example of the extreme power XXXX BANKS have over small consumers. PATHETIC!

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 2017-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America 's CEO, President, Attorney XXXX has the background of our XXXX rooted mortgage XXXX situation, involving IRS estate tax time window whereby, millions were lost needlessly, affecting BofA mortgage XXXX, its collateral, XXXX, XXXX, not intended to be sold, if Winchester commercial realtors performed as hired. 

DOUBLE DIP -- BofA, by involving smaller lenders, rewinds the mortgage clock, to day one. 

My siblings and I, through our parents ' estate have already, since XXXX, paid in approximately $ XXXX in lump and other payments, to XXXX. This is $ XXXX out of about a $ XXXX or thereabouts purchase price. 

Compassion and humanitarian perspective needs to be heightened, as I have XXXX siblings, approaching senior years, who have lived life with XXXX, believed to have been due to exposure to DDT as infants, in agricultural area. THIS XXXX. HOUSE WITH OTHER PROPERTIES ARE OUR BACKUP PLAN TO WELL-BEING. GRATEFUL FOR XXXX, XXXX, XXXX, BUT THESE PROGRAMS ARE IN THE FINANCIAL RED, MAY OR MAY NOT BE THERE LATER. 

PLEASE ASSURE BOFA UNDERSTANDS, we can not afford " double dip, '' as after paying in approximately $ XXXX, another $ XXXX, rewinding the mortgage to day one, would have a house worth about $ XXXX on the market today, THEORETICALLY COST ABOUT $ XXXX! THIS SHOULD BE A VIOLATION IF ANY BANK CHARGES DOUBLE FOR A HOUSE, IN REALITY FIGURES. 

In XXXX, BANK OF AMERICA SETTLED $ XXXX IN MORTGAGE VIOLATIONS, WITH CONSUMERS. 
MAY OR MAY NOT HAVE BEEN GIVEN THE SAME OPPORTUNITY THROUGH USDJ/BofA Stipulated Settlement on XXXX. 

I wish for BofA to understand that my family and family estate can not be victims to smaller lenders. We need to work with BofA exclusively and inclusively, as it has the best online banking services and best long term customer service for business and personal. 
Above all, we can not afford double dip into our mortgage payment plan, where a house begins its price tag at $ XXXX or thereabouts, there are payouts close to $ XXXX with improvements, then, a smaller servicing lender, BofA hands the loan off to, rewinds the mortgage to $ XXXX, day one XXXX, figures. THEORETICALLY, BECAUSE OF INTEREST, THIS CAN END UP MORE THAN DOUBLE DIP, as just taking payout approximate amount with improvements being close to $ XXXX, adding the rewind $ XXXX XXXX figure, Equals about $ XXXX -- possible unjust impoverishment case for any homeowner, especially, if house markets in XXXX, at $ XXXX. 

LARGER BANKS HANDING OFF LOANS TO SMALLER LOAN SERVICING PROVIDERS : SMALLER LENDER HANDOFF GOUGE SHOULD BECOME A CONSUMER PROTECTION LAW, INCORPORATED INTO HOMEOWNER BILL OF RIGHTS LAWS -- LIKE CALIFORNIA 'S XXXX. 
LEGAL SAFEGUARDS TO PROTECT AGAINST UNJUST IMPOVERISHMENT OF HOMEOWNERS.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: VA
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA 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 2020-08-06
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XXXX XXXX I sent a payment of {$30.00} to the seller ( scammer ) because that was how much the product and shipping were. On XXXX XXXX : XXXX XXXX  the seller said that the package was on hold and that I have to pay {$30.00} more to have it arrive by Tuesday, other than that I had to wait 6 weeks. I didn't accept his offer and waited until XX/XX/XXXX, XXXX XXXX, he asked for his tip before I had received the product, I said no to that, till he said that I had to pay him {$19.00} for shipping because he said he had paid it for me, this was around XXXX on XX/XX/XXXX. Soon on XX/XX/XXXX, XXXX XXXX, he said that he ordered a package that I assume was related to mine and said he needed {$60.00} to repay for some shipping problems, which I reluctantly agree or he would have the power to deny the package to me. After that, he decided to run off with the money by blocking and cutting contacts. I have evidence of these transactions and messages, plus contact info of him. So may please read this and keep the mind of this. I don't like people who would scam during a pandemic that took away tons of jobs while he just scams and gets the money. I can send the evidence through email because there is a lot of it, so I want to be able to send it all through XXXX XXXX at once.

Company response to consumer: Closed with explanation