BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-18
Company: Experian Information Solutions 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:
XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX   ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it  immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX/XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately

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 2017-10-16
Company: SecurityNational Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Security National Mortgage ( SNM ) said I was good for a mortgage on property up to {$300000.00}. They wrote a letter to that effect. 

Before making an offer on the property, I called SNM and asked if they would lend on a property in a development that was more than 50 % non-owner occupied. I was told she would get back to me. I received a phone call stating, yes they would. 

On XX/XX/XXXX, I made an offer on the property, based on the information that SNM would loan to me on such a property. It was to be a conventional loan with a 25 % down payment.

I ordered an appraisal, a home inspection, and continued with plans to go out of state to see the property.

On XX/XX/XXXX we found out the property was not a townhouse, but rather a condo. 
I asked for rate quotes and received these on XX/XX/XXXX It took me a night to determine if I wanted to go ahead with the purchase, knowing it is a condo. I decided to do so. 

SNM sent me written loan approval on XX/XX/XXXX. 

The financing approval deadline, in the purchase contract ( of which SNM has a copy ) was XX/XX/XXXX. At no point did I, or my realtor, receive any indication there was a problem with financing prior to this deadline. 

One day after we were supposed to close on the deal, on XX/XX/XXXX, I hear from the loan processor that the underwriter said, This is not an eligible project. 

Having gone forward with this offer, based on information from SNM and their continued movement forward, for example, ordering a condo certification fee, I spent thousands. SNC never had to loan me on the property. When they learned it was a condo, they could have let me know they were not willing to finance it. Instead they kept moving forward, adding more fees passing the financing deadline ( so I lost my deposit ), waiting until the day after the property was supposed to close, to tell me they would not do the loan.
When I requested a refund of expenses I incurred based on information they provided, they said it was the realtor 's fault. Then they said it was the seller 's fault. They suggested I request my deposit back from the title company and even suggested it was my fault.
This shifting responsibility and pointing blame at injured parties would be humorous if it were not for the thousands of dollars SNM cost me due to their poor work and misleading information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Td bank continued to overdraft my account without any notifications and now, I have overdraft fees I ca n't afford. I 've paid them literally THOUSANDS in overages, then as soon as I 'm out on medical leave, I 'm faced with this! Prior to, I purchased a money order from them, and had to wait 90 days with the receipt to get it back!!! RIDICULOUS then after I reached out to clear, they give me only 30 days. Uggghhh

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loan when I attended XXXX XXXX were federal loans. Somehow Navient is now showing it as an XXXX loan which does not allow me to have {$10000.00} forgiven. When asked for my paperwork showing the change in my loan I was just told that it's in income based deferment till my issue with a for profit school I attended is resolved. I have already paid off that loan through another servicer. I want to see the forms that I signed where I consolidated my original loans from NY State Higher Education from a federal to a private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: NC
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:
The following accounts do not belong to me. They are falsely reporting under my name. I have filed an FTC complaint and also with law enforcement. My next step is a civil suit against all 3 bureaus. 

-XXXX XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX Inquiries : XXXX, XXXX, XXXX XXXX, 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 2020-02-18
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Claims Bureau , Inc. ( " PCB '' ) sent letter demanding {$20.00} for debt owed to Dr. XXXX   XXXX XXXX for a medical appointment on XX/XX/2019. The {$20.00} apparently represents a co-payment.

A co-payment could never be due from Dr. XXXX because you are never allowed to see him unless you make the copayment before he examines you.

Each time I called PCB, they transferred me, and then the new person disconnected me. Each time I tried to send a fax to the number on their demand letter the fax would not go through because the line was busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
sun trust is violating the frank dodd act and have threatened us with prosecution. We had property listed for sale and specified that the appraiser must meet state credentialing guidelines to stop these false appraisals where they violate the law by using non arms length sales for appraisal comps and by using foreclosures as comps. THis is a specific violation of the law. Our real estate agent objected to a non credentialed appraisal agent per our contract ( we did not name a specific appraiser to be chosen ) and Sun Trust turned around a named a specific appraiser ( violaion of Frank Dodd ) that did not meet contract stipulation of credentials and upon complaint they provided in writing a threat of moving to file a complaint for Our violating Frank Dodd and that we could face prison and fines. What the XXXX is going on here. The banks are manipulating and violating appraisal and Frank Dodd act and when objected to, they threaten the consumer. I want immediate action taken.

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 2020-02-18
Company: Experian Information Solutions Inc.
State: CO
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 SEVERAL ACCOUNTS SHOWING NEGATIVELY ON MY CREDIT REPORT. WHEN MY EX-HUSBAND AND I DIVORCED, WE AGREED TO SPLIT THE DEBT ACCRUED DURING OUR MARRIAGE. HE HASN'T MADE HIS PAYMENTS AND DESPITE MY MANY ATTEMPTS TO CORRECT THIS, I AM NOT RECEIVING ANY RESPONSE FROM THE COLLECTORS ON THOSE ACCOUNTS. AS IT STATES IN MY DIVORCE DECREE, THOSE SPECIFIC ACCOUNTS BELONG TO MY EX-HUSBAND. I HAVE BEEN TRYING TO CORRECT THIS FOR NEARLY THREE YEARS, BUT I HAVEN'T HAD ANY SUCCESS, AT ALL. I HAVE SUBMITTED DISPUTES, WRITTEN LETTERS SENT TO THE COLLECTORS, I HAVE TRIED CALLING TO DISCUSS THE ACCOUNTS AND GIVE THEM THE CORRECT INFORMATION. IF SOMEONE COULD PLEASE HELP. I AM APPLYING FOR A CAR LOAN SOON AND I HOPE TO HAVE THESE NEGATIVE ACCOUNTS OFF OF MY REPORT. I HAVE BEEN PAYING MY PART OF THE DEBT, BY MAKING MONTHLY PAYMENTS. I SHOULD NOT BE PUNISHED BECAUSE MY EX-HUSBAND ISN'T TAKING CARE OF HIS DEBTS.

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 2017-04-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XX/XX/XXXX we had an engagement party on our daughter. I called Citizens Bank 2 days before to be sure my Mastercard credit card was all set to use. There was a {$60.00} balance on it. They told me it was all set. When we went to use it at the end of the party we were told it was declined. The whole situation was totally embarassing. On Monday i went into Citizens Bank in XXXX, RI. They reported the instance and assigned a case number. Months went by and no one got back to me. I called a couple of months ago and that call prompted them to look into it. They called it human error. Evidently, when I called to be sure the card was fine we got talking about a better card which may carry points. Well because of the conversation they closed my current credit card and reissued a new one which i received in the mail 10 days later. They never told me they were closing my present credit card. Also when I went into Citizens Bank on that Monday the representative there told me a person can carry as many as XXXX Citizens Bank credit cards. We have had a credit card with Citizens Bank since 1972. This is all recorded and they are calling it human error and for them that is the end of it. Well for me it is not ; we were totally embarrassed in front of the family members and new family members. Everyone new there was a problem with payment. You can explain all you want but you know they are looking at you saying " Yea Right. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX/XXXX # XXXX is reporting a charge off to my credit that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.

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 2020-02-18
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 a charge of XXXX from XXXX XXXX appeared as a pending charge to my Citi credit card account. I additionally received notice to contact Citi Fraud Department based on perceived fraudulent activity. I called immediately and was told the dispute process could not be started until the charge posted but that would happen automatically since I reported the charge as fraudulent. I did not make this charge and have no idea who did. 

On XX/XX/2020, the charge appeared as a posted charge for XXXX from XXXX XXXX with a charge date of XX/XX/2020. Additionally, a credit for XXXX appeared with a date of XX/XX/2020. Again, both of these are fraudulent. 

On XX/XX/2020, I contacted XXXX XXXX and a fraud investigation was started on their side as well. I was told the name on the airline ticket purchased with my card was not mine but they would not tell me who it was or where they were flying from/to. 

On XX/XX/2020, I additionally recontacted Citi fraud department as the charge and credit were still appearing in my account. The fraud department connected me to a second " specialist '' who told me the dispute would not show up in the " dispute center '' for at least 12 days and it could take 3 billing cycles to finish their investigation. I reminded him that the charge was made without my card present and I obviously had no idea who used it but they could very easily find out from XXXX whose name was on the ticket. He stated I was " liable for paying for the fraudulent charges '' until the investigation was complete. He refused to credit the account in the interim and when he transferred me to customer service, who he claimed would be able to do that, he told them I wanted a credit limit increase. The customer service rep told me she would have been able to credit the account if I had contacted prior to the end of the billing period. What?! I contacted the first 5 minutes after it showed up as a pending charge and I got the app message of a " card not present transaction. '' How much sooner would I need to contact?? 

I recognize investigations take time, however I should not be threatened with late fees and collections if I refuse to pay a charge that I have no liability for. I had a charge to my XXXX several years back and the charge was gone from my account before I hung up the phone. This is completely unacceptable.

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 2018-05-07
Company: ERC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested validation and have never received anything validating this account. I do not owe this {$1600.00} for an XXXX account nor does this company have my name correct. Requesting this account be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX/XXXX # XXXX is reporting a charge off to my credit that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.

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 2019-08-05
Company: Bonneville Billing and Collections
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bonneville collections for {$810.00} this amount is incorrect for the address XXXX XXXX  XXXX XXXX I moved out of my apartment at the end of XXXX early XXXX and requested my power to be shut off it was left on in my name until XXXX of the next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sallie Mae / Navient has made multiple errors recording my payments since XXXX some were made in XXXX XXXXNavient has been extremely irresponsible responding to my requests and demands in order to verify what the actual balance of my daughter 's accounts is. I have been trying to get them to verify they have received every one of my payments for every account. I have been making these requests and later demands since XXXX. I need them to confirm first of all that they have recorded every payment I have made for two daughters with a total of 5-7 subaccounts. They have made errors with the Stafford loans numerous times. When they send me their " disbursements '' records it does not show any total of my payments made since XXXX. Many of their payments appear unfamiliar compared to my bank records. The Consolidated part of the loan is actually the earliest ( previously called XXXX XXXX  in XXXX ) and yet they claim there is still a balance for that portion of the loan. For the past two years they ignore my requests/ demands simply responding : " they have already addressed those issues '' They fail to take responsibility for the mistakes they have made such as entering one of 5 monthly payments to the wrong account, failing to demonstrate they received more than minimal monthly amount on statement when I often added {$100.00} - {$300.00} in order to get loans paid off sooner. They made several errors in XX/XX/XXXX - mixing my Consolidated with Stafford and then sending a refund through the Social Security department and then failing to confirm they received that when I endorsed the chack back to them. That same month they sent a refund to my daughter instead of entering on my account. Those problems are what lead me to warn them 6 months in advance and then cease making any further payments until they provide information I need to verify their records match my XXXX bank records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When I asked about repayment options while I had XXXX XXXX coming in, including deferment and forbearance -- and I was told that I was ineligible for any other options and I needed to continue to make my monthly payments -- was I, in fact, able to just restate my XXXX income and have a XXXX XXXX monthly payment this entire time? If so, I want a refund for the payments made on my loan since XXXX, totaling {$980.00}. Money is extremely tight, I need to make ends meet, and I sure could have used the other options at the time. 

Attached are my payments history from Navient 's website, and the calculation for the total.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRUIST FINANCIAL CORPORATION
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I was approved for haf funds and they sent. A {$17000.00} to Truist. From the haf funds Another check was sent XX/XX/2022. 
This mortgage company refuses to cancel a 40 year modification that we have never agreed to it. They will not cash the {$17000.00} check so we can go back to making our regular scheduled monthly payments through the deferral. 
Nobody has any answers they keep lying and giving us false information I am completely over it please make them cash that 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 2020-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 reached out to the Capital One on several occasions and they are constantly asking me to send in my personal information. I am Capital One to validate my information because according to the law, they can't report this information on my credit report without validation. Instead they send me a letter stating they are not going to do anything at this time. According to the law, I have the right to ask a company reporting on my credit report for validation or they have to remove the account from my credit report. 

Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: TD BANK US HOLDING COMPANY
State: IA
Product: Credit card
Issue: Late fee

Complaint:
I set up my credit card for automatic payment on XX/XX/2017, on this date I also made the monthly payment which posted on XX/XX/2017. On XX/XX/2017 I received a call from Target Redcard stating that I had missed my payment and I needed to pay a {$38.00} late fee. I explained that I 'd set the account up for auto pay and I expected it to be automatically debited from my checking account. The representative acknowledged that autopay was indeed set up on the account, however she did not know why the payment did n't process. I asked that the fee be removed and authorized her to debit the missed payment. I then received another phone call on XX/XX/XXXX stating that the account was not on autopay, and that the late fee would not be removed. I requested a follow up phone call from a supervisor and to have the XX/XX/XXXX call reviewed, the supervisor called back, however she did not review the call and refused to remove the fee instead stating that she 's sorry for the miscommunication, but theres nothing that she will do to correct it. Aside from this alienating customers, it seems very disningenuous for the representative to state that the autopay setup to mysteriously disappreared over the last 7 days. This seems like a scheme to force consumers to pay a fee that is not owed, while damaging individual 's credit.

Company response to consumer: Closed with explanation