BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a Suntrust account online. 5 days later I funded the account with a wire transfer for {$48000.00} that cleared my new Suntrust account on XX/XX/2020. 

I went to the bank, withdrew around {$8000.00} in cash and instructed a wire transfer for {$30000.00} be sent to my XXXX account which would have left around {$10000.00} in the Suntrust account. 

The next morning I woke up and checked my XXXX account and saw the funds were not in the account. So I attempted to log into my Suntrust app to see why the funds werent sent. I couldnt log into the app and receive a notification that said Your Suntrust access has been restricted call XXXX. 

I called the number and was informed by a representative Suntrust Bank does not want my business and I will receive a letter in the mail in 7-10 days with my check. 

This is so illegal. If their system allowed me to deposit my funds, they can not hold my money. As a result I have lost business and my credit rating is in a negative dive as a result of late bill payments and bounced checks.

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 2016-09-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Never lived at address..for XXXX ... never went to that doctors office

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: EQUIFAX, INC.
State: OH
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:
I was told that my credit was accessed via a soft inquiry but I never authorized any inquiry to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Experian Information Solutions Inc.
State: NJ
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:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this manner as soon as possible. Thank you

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 2016-08-01
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: BWW Law Group, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
1. 15 USC 1692c ( b ) - without my expressed prior consent ran an ad in the XXXX XXXX XXXX for 3 weeks 2. 15 USC 1692d ( 4 ) - harassed consumer ran ad in the XXXX XXXX XXXX for 3 weeks 3. 15 USC 1692c ( b ) without my expressed prior consent published information on the XXXX website for 21 days 4. 15 USC 1692d ( 4 ) harassed consumer by publishing information on the XXXX website for 21 days 5. 15 USC 1692e ( 2 ) ( A ) conducted illegal sale of consumer goods with false representation of the character, and legal status of the alleged debt 6. 15 USC 1692f ( 6 ) ( A ) conducted illegal sale of consumer goods with no enforceable security interest after receiving notice of rescission 7. 15 USC 1692g ( b ) failed or refused to provide validation and did not cease collection action 8. 15 USC 1692i ( a ) ( 1 ) failed to bring action in the judicial district 9. 15 USC 1692j ( a ) creditor not participating in action of debt-collector 10. 15 USC 1692k ( a ) ( 1 ) actual damages sustained by consumer for debt collector violating FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
THIS IS THE FOURTH TIME I AM ASKING EXPERIAN TO PLEASE RESPOND TO XXXX XXXX XXXX   REQUEST FOR YOU TO UNBLOCK MY ACCOUNT. On XX/XX/2020 XXXX XXXX XXXX, submitted a block rescission request to Experian and they are still waiting for confirmation from Experian that they have removed the block.

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 2016-01-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Credit determination

Complaint:
I applied at a bank on XX/XX/2016 for a credit card and received an immediate reply dated XX/XX/2016 that denied me the card. The letter from the bank stated, " Our decision was based on the following specific reasons : Not enough accounts opened long enough to establish a credit history. '' As a matter of fact, my credit history includes ; a mortgage for a home which I repaid without any late payment penalties, a checking/debit account held for about 25 years with XXXX bank and with no overdraft penalties, 14 years of paying rent at the same location without a late payment, and at present I am debt free. 
None of this history was requested by the bank when the application was made. Instead, there was a supposed reliance upon a third party to provide the information, so that the very attractive credit card product, that was advertised with many perks, would go to someone with a good credit history. If I do n't have a good credit history then who does? And now it is on my shoulders to prove the third party is wrong. 
It appears to me, that this is a way that the bank can deny accountability for their decisions, and thereby skirt the laws regarding the Federal Equal Credit Opportunity Act by using unwarranted barriers and by not making sincere efforts to actually be specific in their response to my application for a credit card. Your kind attention to this would be appreciated. 
Also, let it be known, that I have now received in the mail, and for the first time, solicitations by another credit card company offering a similar but lesser credit card product. It is questioned, is this a financial form of bait and switch?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: ACCESS GROUP INC.
State: AL
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 had extreme difficulties paying back my private student loans. Access Group will send emails to me saying to call they can help and options, when in fact they have no options. Access Group put XXXX of loans in default, even though there was no technical default ( meaning the accounts were not XXXX past due ). Most recently, I was 177 days past due. I went to make a payment so as not to default, but Access Group and " suspended activity '' on the account, making it appear that it was impossible for me to make a payment. They did it on a Friday, so that if I had tried to pay over the weekend, my accounts would, in fact, have gone into default. I was finally able to make a payment, I consider these unfair practices and fraud.

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: Professional Recovery Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, I received notification from Professional Recovery consultants, Inc that they were attempting to collect a debt in the  amount of {$2500.00}. 

Professional Recovery Consultants DID NOT provide the following : The name of the creditor That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information If the debt collector doesn't provide this information when it first contacts you, the debt collector is required to send you a written notice including that information within five days of first contacting you. 

To my understanding : Any debt collector who contacts you claiming you owe money on a debt is required by law to tell you certain information about the debt Please note : I have attached a copy of the correspondence sent by Professional Recovery Consultants as  proof of this violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: U.S. BANCORP
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from XXXX XXXX XXXX about a credit card debt owed by US Bank. They said that I took out the credit card in XXXX and defaulted on it in XXXX. I never had a credit card with US Bank. 
They called me XX/XX/XXXX, in the evening. I called US Bank on XX/XX/XXXX in the morning. US Bank has no record of me ever having a credit card with them. The only account I have ever had with them is my son 's account because he opened it before he turned XXXX. 
I called XXXX XXXX XXXX back and let them know that US Bank said that I never had an account with them and that they do not delete accounts they sell for collection until after 7 years. 
XXXX XXXX XXXX insisted that I settle the account or they would get a judgement against me for 10 years, attach my wages and bank account and any property and vehicles that I own. 
US Bank told me that they have to be a phishing scam looking for information from me. 
I told XXXX XXXX XXXX to take me to court because I was not paying them anything on this because the account never existed.

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 2016-01-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased product from sleepy 's on store card in XXXX of XXXX, item was defective and had to be exchanged. Sleepy 's double charged for new item and left mattresses on the sidewalk in front of my building rather than dispose of properly which is against law in XXXX. I had to pay {$500.00} to have a moving company come immediately to take as my landlord would be fined. I had to call Sleepy 's corporate for months and they stated they never received mattresses and I stated because they dumped on my sidewalk. They finally admitted to this I paid for the original purchase only and closed my account, Sleepy 's accepted account as paid in full, as I had to pay for removal of mattresses that they were supposed to do. Now 3 years later a law firm stating that I owe almost {$2000.00} more than original purchase after Sleepy 's changed from XXXX to XXXX bank about 2 years ago. Sleepy 's reported to XXXX XXXX that account was closed in XXXX of XXXX, however, I just now see they claimed it was delinquent, which it was not, they were delinquent in sending me defective merchandise and then dumping in front of my home and then trying to double charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: CASHCALL, INC.
State: HI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a {$2600.00} loan with XXXX XXXX/CashCall in XXXX 2013. Payments started in XXXX 2013 and as of last month they wee still taking out {$280.00} - {$290.00} with the balance of my loan barely changing. They 've taken over {$8000.00} from me and are starting to harass my family members and letting them know I owe for a loan all because I stopped payment. They 're a bunch of crooks. How can one make these payments all this time and yet the balance on the loan has n't really changed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Company continues to stall, ignore, and block me in addition to allowing inquiries and unauthorized accounts to report on my consumer report which adversely effecting me. I have spoken to several managers and they have NOT been helpful. I have not had access to my consumer report in order to verify the items. The managers and agents have verified the FTC report as I have attached my initial report from XX/XX/2022. The comments state what my requests were - removing specified accounts and all inquires as I have not applied for anything. The FTC report ONLY allows 5 accounts to be added, hence the consumer statement.

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive had numerous fraudulent inquiries on my report and trans union removed them, only later to reappear on my report. It is now hindering me from getting funding and credit cards. Ive contacted them and dont one was able to explain to me why and didnt help me. Only inquiries that are valid are XXXX on XX/XX/XXXX and XX/XX/XXXX, and XXXX on XX/XX/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 non-monetary relief
Consumer complaint received 2020-08-14
Company: PENTAGON FEDERAL CREDIT UNION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I refinanced my XXXX XXXX XXXX with PenFed Credit Union and they are not managing the loan. First they force placed insurance after i and my agent sent them proof of insurance since the beginning of the loan. Then they just now increased my interest rate to 14.00 % as they say they are not the leinholder on the title. I took all the paperwork to the DMV and they said Pen Fed has to perfect the lien with the state, not I. I gave this info to Pen fed and then the response was this letter. They have increased my payment XXXX a month. I need you to get involved 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 explanation
Consumer complaint received 2016-09-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting repeated calls from Synchrony Bank ( SP?, phone number XXXX ), regarding an Amazon store card. I do not have any Amazon credit card, I believe the calls are meant for the last person to have my phone number ( I often get calls meant for this person ). The calls from Synchrony are automated, and if I answer, tell me to call them back. When I call their number ( XXXX ) I get an automated system that is only to verify my acct. information ( which I do not have, since I do n't have an account ). After several minutes ( 2-3 ) of failing to verify my ( non-existent ) account information, it says it is transferring me to a customer account representative and then hangs up.

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 2020-01-10
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint does not fall under any category option. We attempted to payoff a mortgage and wired funds to Mr.Cooper on XX/XX/XXXX per payoff statement. Long story short, it is now XX/XX/XXXX and Mr. Cooper has still not applied the funds towards the mortgage, nor have they refunded the funds. They are insisting on collecting interest for XX/XX/XXXX - through the date they receive the payoff as now calculated, however, we can not send them that amount as they still have the money initially sent and have not returned the money. We have asked that they apply the funds to the account and advise of any shortage, but they have been unwilling to do so. If, as they say, the funds were short, they should have immediately returned the funds, or applied said funds towards the account. They have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, INC.
State: MI
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 contacted Equifax on several occasion about fraudulent and incorrect info on my credit report. A letter was mailed to me XX/XX/2019 stating Section 605B ( c ) of the Fair Credit Reporting Act is not removing any information from my credit report. Due to the erroneous fraudulent items on my Equifax credit report I am not able to utilize my credit effectively. Please assist me to ensure Equifax comply with the concerns of this manner. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly told this debt collector that  they may no t call me at my place of employment. I told them they can continue to call my cell phone or contact me by mail regarding the debt. But they continue to call my place of employment. When I have spoken to them on the phone they are very rude and will not acknowledge that I have told them to stop calling me at work.     Debt collector : (  XXXX  )  XXXX  Law Office of D  Scott Carruthers   XXXX   XXXX   XXXX  #  XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I attended XXXX XXXX XXXX  and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through XXXX, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/XXXX and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/XXXX   these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.

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