BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-16
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted XXXX XXXX and spoke with XXXX XXXX in the debt verification department regarding an account that should no longer be reported on my credit file. My original debt was with GE Bank which is now SYNCB Bank. My first date of delinquency was XXXX 2008. This date was confirmed with the original creditor AND XXXX XXXX also confirmed that the date of the last payment was XXXX 2008, however, XXXX XXXX stated that that information does not state that that was the FIRST date of delinquency. This statement by XXXX XXXX makes no sense being that the original creditor already confirmed this. This account was paid and I am not disputing that is was mine. I am complaining because it is over 7 years and should have been removed at least 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient failed to provide alternative methods to paying student loan especially based on earned income. I asked for forbearance and was told I had to pay {$150.00} to keep my payment options current. I also informed Navient that I had recently graduated in XXXX 2016 and if they offered a grace period or any alternative payment options. Navient denied having any other payment options other than paying the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that XXXX XXXX XXXX reported I was delinquent on several credit card payments. I contacted XXXX XXXX XXXX and they said that they only had a checking and savings account under my name on file. Both of these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX THIS WAS NEVER A CHRGE OFF, ACCT WAS PAID IN FULL AND I HAVE MY TITLE TO MY XXXX - NOT MY ACCOUNT. I AM NOT ON THE APPLICATION I WAS LISTED AS AN AUTHORIZED XXXX - NOT MY ACCOUNT. I AM NOT ON THE APPLICATION I WAS LISTED AS AN AUTHORIZED USER

Company response to consumer: Closed
Consumer complaint received 2015-07-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had the attached federal tax lien # XXXX in the amount of {$7700.00} WITHDRAWN by the IRS after it was released. I have submitted several requests to Equifax asking that the lien be DELETED from my credit report but Equifax has repeatedly refused to delete the lien, the most recent request being the one denied and referenced # XXXX dated XXXX XXXX, 2015. Equifax continues to report the lien as RELEASED and refuses to DELETE the lien from my credit report, in violation of the FCRA. 

Both XXXX and XXXX have DELETED the lien from my credit report ( see attached public records portion of my credit report ). 

Please have Equifax DELETE the WITHDRAWN federal tax lien # XXXX from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Yesterday, I went to a local TD Bank to make a {$400.00} deposit before XXXX so I could bring my checking account current and not have to deal with receiving any overdraft fees but when I got to the local TD Bank, after banking hours, my TD Bank debit card would n't open the door. No matter how many times I tried swiping my TD Bank debit card, the door would n't open. Si I never got to make my deposit before XXXX. When I called TD Banks ' customer service department, the young lady who answered my call quickly told me that this was starting to happen a lot with their customers and as I started telling her about other after banking hours situations I had in the past with other TD Bank ATMs ( not returning my debit card, not accepting cash deposits, etc ), our call get disconnected. So when I called back the new TD Bank XXXX number customer service representative I was speaking with, placed me on hold and when she returned to rhe line, the first thing she told me was that her supervisor her told her to tell me that I was going to be receiving several overdraft fees and that I was n't going to be given any courtesy refunds/waviers of the overdraft fees I was going to be receiving. I got so upset that I lost my cool and started cursing up a storm. What was I suppose to do, kick open or break the glass doors to enter TD the ATM area and make my deposit on time???? Clearly this was a situation caused by the doors at that TD Bank location and not me. This was totally out of my control and that why all of the overdraft fees I received such be refunded/waived. Plus these ATM doors at TD Bank, seem to be causing this situation all over the place, something that TD Bank needs to and should address and resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-02
Company: TCF NATIONAL BANK
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX did it again. XXXX checks written days apart held until the perfect moment to hit me. The {$74.00} check in the pictures I 'm enclosing was written 6 days previous. Please make them stop this criminal robbing of their customers I 'm begging you they 've taken hundreds it if not thousands from me and my family. You 'll notice in the second pic I had {$200.00} in my account to cover these checks so how am I {$78.00} in the red when the checks do n't come close to equalling {$200.00}? Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Big Picture Loans, LLC
State: IA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a {$1000.00} loan from Big Picture Loans and was initially told I would pay {$400.00} in a finance charge, but instead they took out {$500.00}. They said I could pay them more on top of the {$500.00} to reduce the principal by a {$100.00}, but the next payment would be {$500.00} another finance charge for the 2nd month. I ca n't afford this outrageous amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XX/XX/XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX XXXXthe mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both accounts Balance were XXXX as of XX/XX/XXXX at the time of sale. 
Please correct this inaccurate informationI did submit to you the HUD and Pay off proof dated XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: TCF NATIONAL BANK
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
case # XXXX Lender made a direct false statement and committed and action against the statement they made as below " quoted from Gateway 1 '' please see below in quotes ; " Please note that Gateway has already submitted a request to the consumer reporting agencies that your account be reflected as in dispute. In addition, Gateway has ceased all collection activity associated with your account as we attempt to resolve the situation with the dealership in question. '' Gateway 1 has made the " claim '' that in addition to reporting my case to credit bureaus as in dispute, that Gateway 1 would, " in addition cease " all '' collection activity associated with my account. '' Well, that 's proven to be a blatant lie, and false statement, as they have not only not ceased collection activity, they 've acted on collection activity by physically " repossessing '' my vehicle on private property and allowing extortion activities to commence by the company that repossessed my vehicle. Company name that repossessed my vehicle is XXXX XXXX XXXX. I had to call the policing authorities to stop the extortion activity of XXXX XXXX XXXX. 
My case in point is, this Lender continues to make false claims, continues to deny my resolution to return my money and losses due to a Predatory Loan initiated by them, the lender continues to neglect sending me written notices via mail of any proceedings, actions, resolutions, resolved, findings of investigations of my victimization, cooperation of any kind. Gateway 1 has done nothing but continue to purposefully lay a heavy burden on me as a victim of a crime and they continue to deny assistance in a loan they initiated, undertook in their discretion without doing their due diligence on the collateral they issued payment for in form a loan, and are now putting 110 % of their " mistake '' and " incompetence '' as a lender licensed, on a Victimized consumer, myself, XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Arbor Residential Mortgage LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX my ex husband and I purchased a home. The mortgage was with XXXX XXXX XXXX and he was the only one on the Note. I was not used to secure the loan or added as a co-borrower. XX/XX/XXXX we modified the mortgage and again I was not used to secure the debt and they did not consider me financially responsible for the debt. In XX/XX/XXXX I believe the mortgage was sold to XXXX. We got divorced and the house was to be sold. I listed the house, XXXX was reporting it to my credit. During the process of selling the home it was discovered that I was not on the original Note and XXXX had been reporting it to my credit in error. They removed it from my credit report. XX/XX/XXXX the Mortgage was sold to Seneca Home Mortgage. I work for an attorney and we were helping my ex with the sale of the home. XX/XX/XXXX XXXX started to report the mortgage to my credit claiming that because we did the loan modification in XX/XX/XXXX it added me to the note when infact the modification did not change the terms of the original not and the note that was recorded with XXXX was the same note that they had when the home was first purchased which only had my ex husbands name on it. I have spoken to people at XXXX and XXXX and they have said I am not responsible. I did not sign or fill out the modification paperwork. I have written to Seneca and provided them with all the information I have from XXXX and XXXX and they are refusing to remove this debt from my credit. In the second letter I sent to them the basically responded saying that they will no longer entertain looking into the issue and as far as they are concerned I am responsible. I need help. I know I am not financially responsible for this loan and I want them to remove it from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Valentine and Kebartas, Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Intercepting my taxes without validate the debt. I sent them a written request to prove I owe this money. They did not sent any documents that the money was issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016, I received a phone call from someone claiming to be calling from Wells Fargo 's fraud department. After being unable to identify me by phone, the associate told me to immediately go to the nearest Wells Fargo branch. Unfortunately for me, the closest branch was the XXXX on XXXX in XXXX, California. 

After waiting in line for over XXXX minutes, when I finally spoke with a teller, I was told that I needed to speak with a personal banker, and to have a seat. After waiting for another XXXX minutes, I was approached by XXXX. 

XXXX was almost immediately hostile and aggressive. She never asked how I was doing and began in on a XXXX line of questioning : did I have an account with Wells Fargo, why was I here, who said I should come into that branch, did the fraud department tell me why I needed to come in? The last question is seemingly the most absurd as the fraud person I spoke with on the phone earlier would not tell me why I needed to come to a branch, and now the banker at the branch was asking me why the fraud department had asked me to come to the branch. 

After answering all her questions, XXXX was unable to figure out the reason why I was asked to immediately go to the nearest branch. Eventually, the service XXXX at the branch ( XXXX ) was brought in to figure out what was going. 

By that point, I was realizing why people really hate banks, and why this particular Wells Fargo branch is known as the " white '' Wells Fargo. 

After about an hour, I decided that Wells Fargo was not an institution I 'd like to continue to bank with. I then asked XXXX to close my account. As I was waiting for XXXX to close my account, XXXX of the branch employees accused me of recording, and then had the security guard escort me out of the branch. Ridiculous. 

I 'm unsure what state this is account is in as I was asked to leave the branch before being given my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to my place of employment changing to over XXXX miles away from my primary residence, I was forced to move and pursue a short sale of my property. I have been dealing with wells fargo ( my mortgage servicer ) for a year and a half and have gotten little to no assistance from the myriad of home preservation specialists assigned to me. My file has not been kept up with in a satisfactory way, has been handed off multiple times to specialists who do not engage in adequate communication with my short sale attorney, and dropped in and out of foreclosure status when it should not be. It is currently in a foreclosure status with a sale date, when I 've had a short sale contract in place for over a month plus all requested documentation being forwarded to them with receipt of reception. Today in particular when calling to speak to the specialist assigned to my account, I never had the opportunity to speak with her directly, but was forwarded to 4 different departments and spoke with 5 different people. It was not until I demanded to speak with a supervisor that I was able to at least be told that an email would be sent on my behalf to MY specialist assigned to MY account. This is ludicrous! How can I work with a specialist that can not be reached and that I 'm not allowed to contact? This complaint is for the home preservation department and their inadequacy to communicate with the parties involved to reach a resolution that is both timely and of mutual benefit to all parties.

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 2016-08-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I had a credit card with Wells Fargo when to a tough situation then i try to settle the account and they wont take any mere payment on this account they toll me they are doing a XXXX on the collection but the balance still showing on my credit report i will like for the account to said closed at zero amount I am fixing my credit

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 2022-11-08
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my job back when the Pandemic started, so I called my mortgage company Suntrust now Truist Bank to do a Forebearance, got it approved for XXXX. I was working with the Home Perservance dept. I signed a legal document/faxed it in on XX/XX/2021 to agree to come off of the Forbearance. My 1st payment started back on XX/XX/XXXX was to be {$590.00} going forward. I was instructed to disregard what the Suntrust Website stated, however I didn't, when i checked the website it stated to pay {$630.00}, so i did. I then called the Home Perservation dept back to inform them of what I actually paid, the Rep said I was only to pay the {$590.00} amount of what I signed for. I have been harassed every since I came off my Forebearance. Now, I have been accused of not paying my mortgage from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. I have not missed a Mortgage payment since I came off of my Forebearance. Now, my CREDIT SCORE has dropped way down due to the incorrect information. Suntrust/Truist Bank has harassed me weekly/monthly to pay a lot of money due to my Taxes that went up. That is why the website stated {$630.00}. So I had to keep calling the Home Perservance Dept for help, the 2 departments were blaming the other. I was only following what I was instructed to do of the {$590.00}. I then ask then Truist Bank rep if i could pay the Escrow separate in installments, they said NO, so they took funds from each Mortgage Payment that I was making from XXXX thru XXXX to cover the shortgage. Again, I was never late making my Mortgage Payments. I will attach all my Bank Statement to prove I was never late.

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 2016-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I will no longer expect anymore of your reviews of disputes from the accounts that I have asked you to send me the original signed documents on. You have violated every single request so if you do not mind please remove XXXX XXXX CLOSED XXXX XXXX CLOSED XXXX ACCOUNT AND ALL CREDIT INQUIRES

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