BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-16
Company: SUNTRUST BANKS, INC.
State: TN
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Found a classic car online and the owner said to use XXXX to handle the shipment and hold the funds until i inspected it. It was all a scam. The owner was XXXXXXXXXXXX who said he was working with XXXX, XXXXXXXXXXXX They told me the XXXX wire transfer ( {$11000.00} ) was refused. They then closed their XXXX website and never answered emails, IM 's or phone calls. XXXX XXXX also never responded to my emails.

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 2022-10-13
Company: EQUIFAX, INC.
State: FL
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. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX, 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 that consumer reporting reporting agency can not furnish a account without mu 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 response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Credit Karma, LLC
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit score was increasing normally until XX/XX/XXXX with no hard inquiries made to it. When I verified it on XX/XX/XXXX, my scored hay decreased by XXXX with no statement or explanation reflecting the root cause of the reduction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying on my student loan since 2007 and i have had several issues with the current company that has the loan. They will send a monthly statement and will have an amount due which might be XXXX dollars but every month i send the same amount of XXXX dollars that is taken out of my bank account 5 days before due date. Some months they call me and my co signer saying my account is past due or i didnt make a payment and i will have to make another payment or they will not quit harassing me or my cosigner. We are fed up with the harrasing calls and the unorganization of the student loan provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My bank sends me spam that they claim is " non-promotional '' email, even though it is clearly solely to promote their mobile banking product which I do not use and have no interest in using. The only apparent way to stop it is to revert to paper as I am already opted out of all marketing. NOT ACCEPTABLE. If they lie about this being " non-promotional '', what else are they lying about?

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 2021-01-11
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I contacted Banco Popular by phone and email for the payoff amount of my vehicle loan and the following day received the balance valid until XX/XX/XXXX. On XX/XX/XXXX, the full payment was submitted through their website and I informed the bank 's auto department about the final payment. Payment was confirmed and termination was in process. 

On XX/XX/XXXX, AutoPay submitted another monthly payment. I called customer service to have them cancel the AutoPay and requested a refund of the extra payment made by their system as their website does not allow customers to cancel such service. 

On XX/XX/XXXX, I went to the Popular Auto XXXX XXXX branch to collect my vehicle registration renewal that I had to pay even though they have not provided me the title of the vehicle. During my visit, I reiterated about getting a refund for the extra monthly payment taken from my bank account. 

As of XX/XX/XXXX, I have not received the title of my vehicle neither the refund of the payment. The refund should not be taking over 2 months to receive. In 2021, I still receive letters from Popular Auto requesting my insurance policy even though the vehicle loan has been paid off.

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 2021-01-11
Company: EQUIFAX, INC.
State: NE
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I mailed a letter requesting an investigation about inaccurate accounts showing on my credit file. It has been 2 months and I still haven't received results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan was paid off with Dovenmuehle Mortgage on XX/XX/2020. After the mortgage was paid off they took my mortgage payment anyway on XX/XX/XXXX. I called on XX/XX/XXXX to ask them to return my funds they said the funds would be in my account on XX/XX/XXXX they were not. On XX/XX/XXXX they made me send in proof that the money left my account even though they had the funds. New answer on XX/XX/XXXX was 3-5 days this would be expedited to my account. Call in XX/XX/XXXX stated the transaction was going out today and would be another 3-5 days. She stated it would be a wire transfer now they are saying bank draft. Also Escrow account has not been returned. Loan number with dovenmuehl mortgage XXXX. Supervisor spoken to on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: ID Analytics, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
XXXX XXXX XXXX. 
IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: LEXISNEXIS
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
XXXX XXXX XXXX. 
IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
CHEX SYSTEMS INC.

IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.

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 2021-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2022-03-25
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCB MANAGEMENT SERVICEIS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND NCB MANAGEMENT SERVICEIS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. NCB MANAGEMENT SERVICEis in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: SYNCHRONY FINANCIAL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a collection account with PayPal/Synchrony Bank. I did not receive any communication and it went unpaid for about a year. I went through my credit report and saw it was listed recently. I contact Synchrony Bank to resolve the debt. They agreed to a settlement on the account for half the amount owed. I asked for a letter confirming payment of the settlement would satisfy the debt. I was first told they did not have a letter for a settlement. I called back and another representative agreed to send me the letter. I then paid the settlement offer and requested either a receipt or a letter showing it was paid after completing the transaction. They then proceeded to tell me first that they don't provide anything showing it is paid. I pushed the issue and they said they can provide one but not until 21 days later because their system does not show it is paid. I inquired why it would not show paid when they took the money from my bank account right away and no one will answer what the issue is. They just keep telling me it is under review. I've asked multiple times to speak to a manager and first was told there was not one. Then was told they would put in a request and it takes 48-72 hours for a call back. Then when I called back because no one called, they said they would put in another request but still can not provide even a receipt showing the money was paid.

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 2020-03-17
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I did a transaction through Square Merchant services. Square will not release my funds. They will not give me a reason why they are holding on to {$1100.00}. I've done business with them for ten years. All of a sudden, they just hold this money for no reason. 
I called three times, each time they told me they would escalate it to their review team. ( Which is supposed to only take 24 hours and it's been 6 days ). 
After my third attempt on the phone, I tried to call again, but they blocked me from receiving a support code that allows you to speak with a live representative. 
I have emailed them since XX/XX/2020 and still, I have not received a response. 
What's odd is they took out {$220.00} from my bank account, when the transactions came through. So they were able to make money for themselves but unable to pay me my money. Interesting. They blatantly are robbing me. I am a single mother with XXXX children. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for an FHA streamline refinance with my current Mortgagor, PennyMac, in XX/XX/2020. I was assigned XXXX XXXX as my loan XXXX working with my loan officer XXXX XXXX. 

XX/XX/2020, I received notification that my credit had been reviewed and my mortgage application was conditionally approved and was informed my loan would likely close the second week of XXXX. 

On XX/XX/2020, I received notification indicating there are liens on my property which the m.a.c. team will discuss with me the options for the liens to be paid off or subordinated. I later spoke to my loan specialist and confirmed that I would like to subordinate both liens. 

By XX/XX/2020 I had not received an update so I follow up with my loan officer who asked if I had requested the subordination agreement for the two liens. I informed her it was my understanding that PennyMac requests the subordination agreements, however, I was happy to reach out to those companies which I did and was told that PennyMac had not initiated a subordination request. That same day I provided the loan specialist, via email, with the information necessary to request the subordination agreements. The loan specialist also indicated there was a judgement showing on my title for a company that I had no previous relationship with. I informed her of this and also contacted that company which stated they did not have any record of a judgement in my name. 

The following day, XX/XX/XXXX, my loan XXXX called me stating we had a " clear to close ''. I asked her what came of the subordination agreements and the proposed judgements and she backed peddled saying she need to research and to disregard her phone call. She later confirmed that the judgement was an error but that they still needed to obtain the subordination agreement before getting a " clear to close ''. 

On XX/XX/XXXX, I received a notification indicating they needed a signed W-9 for the subordination which I provided. 

On XX/XX/XXXX, I received another notification indicating they needed an " ink signed borrower 's authorization '' and a copy of the note for my home equity line which was to be subordinated. I provided both. 

Although I have provided all documentation requested of me, on XX/XX/2020, I received a credit decision of declined with the reason stated as " credit application incomplete '' with no other explanation. I have emailed and left voicemails for my loan specialist and loan officer requesting a explanation of why my mortgage application was denied and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: SYNCHRONY FINANCIAL
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:
I have been going through an identity theft situation it has impacted my credited report for some time and i have been trying to get this cleared up for months. there are several inquiries appearing that i have not been apart of. im not looking for any new credit so these inquiries are not fair

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 2016-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America in XXXX XXXX, IL, will discontinue its drive-thru service on XXXX after reinstating it from a previous cancellation, following a deluge of complaints. I am a XXXX with a XXXX, which makes it difficult to stand in long lines. Online banking is not an option for me. They did not have a designated drive-thru teller, so no additional cost was incurred. This smacks of discrimination.

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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries showing on my credit report that were not authorized nor initiated by 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 explanation
Consumer complaint received 2015-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Sometime around XX/XX/XXXX, we applied to re-finance our Bank of America home loan. After being told on the phone that we were approved, and even offered congratulations, and after filling out the extensive paperwork, we were denied the refinance because of my wife 's bankruptcy in XX/XX/XXXX. Bank of America told us that we would have to get this bankruptcy " re-affirmed ''. I was able to contact the bankruptcy lawyer we used nearly ten years ago and he told me that " re-affirmation '' was impossible. He said it would have been impossible at the time ( the bankruptcy judge would have thrown it out ) and it remains impossible today. After I told officials at Bank of America this information, they put me in a video conference with XXXX of their agents in XXXX, TX who insisted that it is possible. The bottom line is that we were denied mortgage refinance because of a ten-year-old bankruptcy, the terms of which can not be changed. We believe, based on our current credit and our perfect record of mortgage payment since we bought our home ( XX/XX/XXXX ), that we were unfairly denied mortgage refinance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have over {$24000.00} in my checking account that is supose to be available XX/XX/2020. I am trying to withdraw {$9000.00} on XX/XX/2020 to make a purchase of a vehicle and the bank says they will not make the withdrawl. stating i can only get a money order or cashiers check

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 2015-10-05
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I made the decision to purchase a home and my realtor suggested PHH Mortgage Broker ; I should have researched the matter but I did not and agreed to use them. They have made the whole process harder than it needs to be and have repeatedly asked for information that had already been provided. The close has been scheduled three times and each time the underwriter has comes back with more requirements. Instead of having an open line of communication it is one way ; the whole process is terrible and while I know things have changed PHH Mortgage is a hard company to deal with that does nothing to help the customer. I reached out to another company, XXXX XXXX and they were much more helpful but unfortunately for me I have only XXXX options walk away from the house XXXX a cash offer is on the table ) or continue with the bad choice of PHH Mortgage. I want to ensure this does not happen to anyone else. Research the mortgage broker/company!

Company response to consumer: Closed with explanation