BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On  XXXX   XXXX , I calle d Citibank to  inquiry about an adjustment to my interest rate on my account. I first spoke to a representative who transferred me to an agent in Florida for further assistance. The Florida agent listened and placed me on hold for period of time while she researched my account and reviewed available options. She advised me that I had a current offer for a new purchases and she had to work with a manager to have that removed before anything could be applied to my account. The associate told me she would look into my account once the current offer was removed, and would call me back on  XXXX   XXXX , to discuss what could be done.   On  XXXX   XXXX , I received a call from the Florida call center, (  XXXX  )  XXXX , on my cell phone at  XXXX   XXXX  EST. During the call, the agent apologized for not calling me on the  XXXX  as we discussed due to her son being ill. During th e 5 m inute call the agent told me she was able to get a 0 % applied to all EXISITING and new purchases for 12 months on my account. I questioned her, and the agent informed me that yes, this will be on all new and existing balances and she stated that this will really help you make a large dent on this balance. I was read a disclosure during the call that informed me that I would have a 0 % rate on my account for all new and EXISTING purchases for 12 months and that I would receive a letter outlining the terms of the offer ( which I never received ). I agreed to the terms that were read because she read the terms that stated the 0 % would be applied to m y EXISTING b alances for 12 months. I also questioned the agent about the finance charges, and she also told me that she was able to get 2 months of finance charges credited back to my account for a total of {$1000.00}. I thanked the agent for all of her efforts and the call ended. Upon receipt of my newest statement on  XXXX   XXXX , the interest rate was not reduced as I was advised. The 2 months of finance charges were applied, however, my current rate on my account is the current of 23.99 %, which is not what was discussed, and not what the disclosure had stated. I feel this is a violation of Regulation Z, informed use of credit, and is another instance of false and misleading tactics fr om Citibank on a long history of lies, misleading information, and deceptive tactics. The agent advised the call was being recorded, and I feel Citibank  should be required to honor the terms of the disclosure that was read and discussed on the call.

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 2017-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
CAPITAL ONE  IS ALLOWING  XXXX  TO BLOCK OUR ACCOUNTS FROM REPORTING.      CAPITAL ONE  REPORTS TO ALL  XXXX  BUREAUS DICOUNT 25 % BALANCE OR BE SUED IN CLASS ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: EQUIFAX, INC.
State: DE
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 mailed a Multiple  Inquiry Removal Letter  to EQUIFAX on on (   X/XX/2017  )  by certified mail in order to dispute information, in regards to  (   XXXX   ) i nquires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they never completed an investigation nor have they contacted me within the 30 days required by law. The request that I submitted included Inquiries that were NOT factual. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a respon se ( NUMBER ) d ays after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   I have n't been successful at getting in touch with anyone over the phone and other means to follow up with regards to my  Official Request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to use card which does n't have any balance due. I email USA bank for this  XXXX  card and was sent a email back that card was cancelled but by no person. Card is still listed as having {$1000.00} available I sent in several other messages but no response. This has been a common problem with many of my accounts where charges appear and disappear but I get silly responses back.

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 2017-05-15
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or about  XXXX     2016 I co ntacted bigpictuteloans to get a payday loan for {$1000.00}. It was approved. The lady I spoke with told me the interest fee was {$250.00}. However, since that time on every pay period they have withdrawn {$250.00} twice a month. I have paid them over 5k. I asked them to stop withdrawing money as they received more than allowed by oklahoma law. They say I still owe over $ 1k. Please assist in this scam they have with their exuberant interest rates. They have been paid 4 times what I owed. I was never informed they would be taking out over {$500.00} a month since  XXXX  of  2016. P lease investigate this matter.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we received an escrow analysis which indicated that the low balance in our escrow was short. This was due to the mortgage servicer, Dovenmuehle Mortgage , Inc. paid our real estate tax for the entire year. For the past 11 years that we have had this mortgage, our real estate taxes have been paid on a simi annual bases. The change in the method by which the real estate taxes are paid caused a deficit in our escrow account and now the Dovenmuehle has increased our monthly mortgage payment from {$2000.00} to {$2300.00}, and increase of {$250.00} monthly. This is causing a financial hardship on us. In 11 years we have never been late on our mortgage payment. 

I have contacted the XXXX XXXX XXXX and they have told me that payments can be made simi annually. However, the mortgage servicer has chosen to pay annually although we have expressed to them the hardship this is going to cause. 

Why would a servicer choose to do something that would cause a hardship when they have a choice to do otherwise? This is causing a huge strain in our well being. That is a lot of money to have to come up with in a short time and only because the servicer choose to pay the annual amount of our real estate tax instead of how it has been paid for the past 11 years. 

Also in the escrow analysis the amount for hazard insurance is incorrect. They have corrected this but we are still required to pay the increased amount for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The information on these reports are incorrect misleading and against the the law. This account has in accurate information and this debt is not owed but is alleged. 15 usc 1692g collections alleged debt .all debts belong to the US therefore there is no debt that I as the consumer owes. This debt has already been paid. This has affected me in so many ways, my life has been altered by this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
In XX/XX/2016 I tried to have the loan forgiven due to hardship of payment. I was on XXXX, XXXX and because of age it was so hard to find any full-time work. In fact the only work that I have been able to find is part-time and it does not even fulfill my degree. I went through my doctor and fill the paper work and was denied. So then I went through my work and that fact that my company is a non-for profit company there was a program that would allow me for forgive the loan but because I only work 25 hours a week the limit for me is 30 hours. Since the are sending me voice mails, written mailings my credit record my home equity was closed. At the same time with the loan, the XXXX stopped now my home is in jeopardy and now is in foreclosure and I have just over two years left on my mortgage. All I am trying to do is save my home. Because of age, XXXX years of age I am able to file for retirement. I am must getting back on my feet but it will be some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In 2015 a fraudulent check was deposited in my Suntrust account, I notified ny local branch manager it was reported to the fraud department. I also filed a police report on Identity theft previously. My Account was overdrawn because of this check. Suntrust prematurely closed the account. Leaving me with a balance I assume. This was reported to collections but I was made aware. Now i have a problem with being in chexsystem with both Regions And Suntrust.

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 2016-05-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time XX/XX/XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any XXXX and have been a Customer who has always paid on time for XXXX or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home XX/XX/XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the XXXX was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over XXXX times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day XXXX. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service XXXX, XXXX informed me they contacted XXXX and Equifax to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to XXXX more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a  XXXX  debt which I paid to  XXXX   XXXX   XXXX . I received a letter from them with a settlement offer of {$90.00} for the bill to be considered paid in full. I paid that exact amount o n  XX/XX/XXXX .   On  XX/XX/XXXX , I r eceived a call from   XXXX   XXXX   asking me to settle the debt. I informed the guy that it was paid on   XX/XX/XXXX . H e asked me to send the payment info t o  XXXX ,   which I did that evening. On   XX/XX/XXXX  I  resent the original email since I had n't heard anything. Still no response. On   XX/XX/XXXX ,  I sent another email stating the debt was paid and I expected that they would remove the item from my credit report. Still no response. I checked my cred report and the outstanding debt had been reduced from {$510.00} to {$360.00}. So I c alled Convergent  on   XX/XX/XXXX   to find out why this derogatory item is still on my credit report and was told that they received response back from  XXXX  confirming the outstanding debt. I then decided to call  XXXX   XXXX  to see if they reported to  XXXX  when I made the payment. The rep confirmed that my account was paid. I called  XXXX  and had to file a report so they could investigate. The reference #  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 2016-03-14
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Suntrust Bank has consistently denied access to our available and deposited funds in our account under the guise of account security. We are making purchases for items for resale and they are consistently declined - for the SAME vendors - repeatedly. These are our daily vendors that we buy from EVERY DAY. We have called and asked that this be stopped as we will continue to make these purchases to fill our orders but they REFUSE to make any accommodation. This is outright denial of use of the funds in our account.

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 2017-03-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I recently inspected my Equifax credit report via " XXXX ''. I noted that they had the wrong form of my name on my report. My legal name is XXXX, and my Equifax credit report has the name " XXXX ''. Informally, I 'm known as " XXXX '' among family and friends, and at one time I spelled the short form of my name " XXXX ''. But since then I 've changed the spelling of my informal or " nickname '' to " XXXX ''. NONE of this has any bearing on the name that SHOULD be on my Equifax credit report, because for business purposes, when I sign anything or conduct ANY kind of business, I ALWAYS go by my legal name, " XXXX ''. Per Equifax 's instructions, since one of the items I was disputing was the name on the report, I faxed copies of my birth certificate and state-issued Identification card via fax, along with a written detail of any other information I wanted to dispute. Before faxing the documents, I made certain that all info, INCLUDING my birth certificate and State ID were clear and legible. 
Unbeknownst to me, once they received my faxed documents, they downloaded them on their computer system in XXXX, Georgia ( I do n't know what they did with the hard copies after that ), and when their customer service agents now try to access them in whatever country they 're outsourced from, they 're reduced to fit their monitors and resolution, making my birth certificate supposedly impossible to read by them -- but the ID is still legible. 
I 've told them repeatedly that I do n't have any other documents they might find acceptable, and that they should go by the State ID I sent, which they agree is legible, since it 's not my fault they converted the hard copies to an electronic form that 's illegible. I also reiterated to them that I ensured that the hard copies I sent were clear and legible, so I 've done my due diligence. Now they 're refusing to update the name on my report to my legal name, purely on a technicality in their regulations, even though the issue is their fault and not mine. 
Do I have any recourse against them, or any way to compel them to make the necessary changes, or to attempt to locate the original hard copies I faxed, or am I at their mercy, even though I 'm in the right? 

Thanks in advance for any assistance or information you are able to offer. 

Sincerely, XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed a judgment on my credit report twice for XXXX XXXX in the amount of {$1100.00}. I have provided Equifax a copy of the alleged judgment against me that shows a different person 's name and a different amount. Despite sending this information twice to Equifax they have repeatedly stated that they have verified this account and it belongs to me in their investigation results. I contacted Equifax directly at XXXX on XXXX XXXX, 2016 and spoke with XXXX in customer service regarding the dispute results for the most recent investigation. I asked the representative what information they had received from the XXXX County Courthouse or original creditor to prove that his account was mine and his response was he did not know. He then stated that he would send it back for " re-investigation '', I asked what where going to do when they review it again, he again stated that he did not know. I asked him did he have a copy of the information that they received to verify this account and he said that he did not have access to that information. He also stated that he could not tell me what would be done differently and that was all he would be able to do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Experian Information Solutions Inc.
State: TX
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:
Experian was contacted by myself as well as my credit union in reference to a late payment reported in  XXXX    XXXX   on my credit report. My car loan is reported as 30 days past due. Upon discovery of my  XXXX   XXXX  dropping nearly  XXXX  points, I filed a dispute. My credit union made it very clear that I 've never been late. The creditor has even provided written documentation and requested the error be removed. I was supposed to refinance my car loan in  XXXX , and I ca n't because my score is adversely impacted by this erroneous late payment reporting.every month I 'm paying a higher APR than I have to because Experian refuses to correct the error. They 've claimed to have investigated this, but this can not be true. On  XXXX   XXXX   XXXX  .. The c reditor sent another letter asking Experian to delete the erroneously reported late payment. They still have n't to date. They also have n't corrected my previous Oklahoma student loan to report as closed due to refinance.

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 2016-02-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 've tried multiple times to get my annual credit report from equifax. I 've gotten my reports from XXXX and XXXX without a hitch, yet every time I attempt to get my report from equifax at the verification step it has references to loans/cards that have nothing to do with me. Selecting none of the above for each one of these causes a failure in identity verification ( again, on equifax only, I had no issues whatsoever with XXXX or XXXX. ) and tells me to MAIL ( yeah, sending sensitive information through the mail is a really good and secure idea, there ... ) copies of payroll stubs, ect. This same thing happened last year ... If there was a case of identity theft I 'm sure it would have shown up on my other XXXX reports, which it did not. Why is such a group of incompetent ( and ignorant from what I 've gathered over the web, since I 'm not the only one experiencing this ) morons in charge of peoples credit like this? It seems the easiest course of action with them is to subscribe to their service to remedy this, which seems an awful lot like bate and switch, which last time I checked was still illegal ( not to mention immoral, not that today 's businesses readily practice moral or ethical means of operation ). They are screwing over MANY Americans on a daily basis with these practices and should be shut down until they can get their heads out of their butts and shape up, yet these are the people in charge of our credit. This makes as much sense as a chocolate teapot ...

Company response to consumer: Closed with non-monetary relief