BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back in XXXX XXXX, someone tried to open a XXXX credit card under my name in Arkansas and XXXX sent a copy of the credit card application to my prior address in XXXX. I have been living in XXXX XXXX since XX/XX/XXXX. My ex-roommate who still is living in XXXX called me and mailed me the copy of application. I notified XXXX and they send me a form which I filled out along with all documents they requested proving that I was n't the person who applied for their credit card. They sent that letter to all the credit reporting agencies for that hard inquiry to be removed from my credit. I filed a fraud report with all credit reporting agencies and also I placed a freeze on my credit report, however XXXX still was showing that hard inquiry on my credit. I called them and they said I need to either file a police report ( which I did but the police refused to file a report because they wont consider it as identify theft yet ) or have XXXX to send them a letter confirming the error. I called XXXX last month and they said the sent the letter to all agencies back in XX/XX/XXXX. I called XXXX again two weeks ago and stated they will resend the letter, no problem. As a today, the letter never arrived. I called Target today and this time the supervisor stated they can not resend the letter. He does n't have an explanation of why. I called back Equifax and again they said XXXX need to submit the letter. Because of this bureaucracy, at this point my credit has been lowered and I ca n't get a better deal refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: SUNTRUST BANKS, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX XXXX, I am a XXXX year old XXXX citizen ( registered XXXX ). 
I have had two accounts with the Suntrust bank for many years which I used whilst travelling previously within the US, without any problems. I received my last true statement at the end of XX/XX/2019, both my accounts where at this stage fine, however at the beginning of XXXX I received my first account closure notice from Suntrust bank to say they were closing one of my accounts, which at the time was in credit with a balance of {$5900.00}. I have an assistant Mrs XXXX XXXX who helps with correspondence etc, ( due to my XXXX ) and she began the process of contacting Suntrust to determine what had happened to this account which was now showing a XXXX  balance.XXXX  tried phoning several numbers shown on the bank statement without success, she was never able to get an answer, eventually she did correspond with Suntrusts on line customer chat service, she was told after investigation that it appeared that this account had been passed to abandoned accounts, a department which freezes accounts for several reasons, one being inactivity for more than 3 years. It is true that my accounts have been inactive for several years due to that fact I have not traveled to the US since going XXXX. 
XXXX was given several numbers to call to speak to someone to resolve this issue but to no avail as she was put on hold and after a short period of waiting in the queue when no-one answers the line goes dead. 
This happened so many times, then in XX/XX/2019 I received another letter to say my second account with a balance of {$3700.00}, had also been closed, so the statement now shows I have XXXX balance on both accounts. XXXX by this time had written to Suntrust bank to explain the situation and had sent the letter by international tracked postage which was signed for on delivery, this letter requested that the bank contact either myself or XXXX to resolve the problem of the missing balances. This letter contained my e-mail address and phone number and XXXX XXXX email address and phone number. The bank has failed to respond to either of us. As you can appreciated this situation has been extremely distressing as we are in the XXXX. Following correspondence with the CFPB has been the only positive thing to happen as your response was immediate and following a call made by XXXX to the complaints department I feel we are getting somewhere at last. Suntrust 's lack of help I have found quite shocking.

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 2016-04-26
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a Loan with Seterus INC for the orginal value of {$390000.00}. We were paying PMI of {$300.00}. We refinanced through HARP because we wanted to get lower interest rate and shorter term ( 15 years ) and to be able to cancel the PMI sooner. No appraisal was done and we refinanced through Seterus Inc for the original loan value of {$390000.00}. I requested PMI to automatically terminate as of XXXX XXXX, since our LTV was below XXXX %. They are now saying that because we refinanced through HARP, our PMI does not automatically cancel until XXXX XXXX. We never changed the loan agreement based on the Original Loan value of {$390000.00}. Now, Seterus Inc is asking us to buy an appraisal for {$350.00} to assess the current value of our home. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Cottonwood Financial Ltd.
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan for {$600.00} and was never advised that my interest rate was 520.01 %. The company also tried to withdraw money from my account without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: SECURITY FINANCE CORP
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Security Finance XXXX of Missouri should be taken off my report. They were closed in 2007. They XXXX say closed but yet it shows open on XXXX of them. I do have credit with XXXX 's XXXX, XXXX and XXXX, XXXX 's and XXXX door and have pad off early and always on time. When I try to get my credit report through XXXX none of my info matches. I was notified by Illinois XXXX that a person in XXXX has stolen my identity. I have been to the local police and contacted social security about this with no resolve. The person goes by XXXX ( not sure of correct spelling ) and her info is on my credit reports. She has used my ss # to get a job with a temp service in XXXX. She has not filed taxes on her income or it would show on my social security and I am XXXX. If taxes were ever filed, I could be in big trouble and lose my XXXX and have to repay my income because of this person. I would really love to get these issues solved and get my credit where it should be. I also have a judgement against me from XXXX XXXX that was discharged on a bankruptcy and my lawyer told me not to show up in court. This happened in a XXXX Missouri court and now is on my credit report. I would love to get this mess cleared up. Thank you for your time. This person owns a home and has credit cards. I do n't get that priviledge because my credit shows up as poor, while this foreigner who is probably here illegally is enjoying what is rightfully mine! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was tricked into being hired by this work from home company. They called themselves XXXX. The contact I dealt with was named XXXX XXXX, which is probably a fake name. They he told me they would pay for the expenses for me to start. A couple days later i received a check. I deposited the check which was addressed from another company ( XXXX, and XXXX ), and under instructions by my contact with this fake company I withdrew about XXXX dollars and transferred it to this other person. This is a scheme and they took advantage of someone who needed a job. I want to know if i can retrieve this money back to pay back then bank when the check does not clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX Complain letter. 
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries 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 matter as soon as possible as I am prepared to take legal action if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Dear Consumer Financial Protection Bureau : In Re : block access to credit reportThe reason for me filing this complaint with your agency is due to Equifax blocking me from any access to my credit report. When, I tried to filed a complaint through the Equifax web site using the confirmation number supply to me, my credit file is empty. It does not display nothing under the personal information, accounts, negative information and inquiries for me to dispute. Equifax has completely block me from having any access or pulling my file using XXXX are any other source. I can only check the status of my pending disputes ; not file a dispute. I greatly appreciate your assistance in investigating this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind with my mortgage payments in XX/XX/XXXX because my income dropped 20 % and my expenses have increased- I have XXXX children that are attending college - I am trying to do my best to provide them the best education for their future- In XX/XX/XXXX I applied for loan modification however I was approved for trial. the trial agreement was not reasonable and unfair to my family - I was approved for XXXX & XXXX trial for {$2600.00} and XXXX trial was for {$44000.00} -I did n't accept the offer because we do n't have that kind of money - we are asking for help- I filed a complaint with attorney General against Wells Fargo- They notified the attorney general they would review the file once again to resubmit the financials. I resubmitted the financials but this time I hired an attorneyon XXXX I reapplied - I was denied because they do not have the contractual authority to modify your loan because of limitations in our servicing agreement for HAMP and HAMP Tier XXXX the investor is XXXX XXXX there was no mention about the standard modification - I am asking for your help because I strongly feel I am being treated unfairly by both Wells Fargo and XXXX XXXX I do n't want to lose my home and I am trying to find a solution to keep my house unfortunately Wells Fargo and XXXX do n't care

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed an account with Equifax that was discharged on my Chapter XXXX. We have completed and received our discharge on XXXX 2015. One of the debts included was our XXXX mortgage from XXXX XXXX XXXX XXXX. It is being reported as a charge off when it should be reported as included in bankruptcy and should show closed. This loan was avoided upon completion of our Chapter XXXX and was not even a charge off prior to us filing Chapter XXXX. I have sent court docs to Equifax and XXXX XXXX XXXX XXXX and the charge off is still showing. Is this not a violation of some kind?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: CORELOGIC INC
State: MT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
A credit inquiry was done on me today which I did not authorize by CredCo out of 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 2016-09-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX, XXXX the vendor attempted to bill for services and used a wrong address and telephone number, confirmed by XXXX the bookeeper XXXX. All vendors were paid by XXXX, I have never received any written communication from the vendor proving the insurance carrier has not paid the supposed outstanding amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Advent Financial Systems, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter to pay a debt presumably owed to XXXX County Indiana XXXX XXXX. 
Letter was sent by a debt collector in Kentucky. but this company letter from Kentucky had the signature of XXXX XXXX, XXXX of XXXX County Jail. This collection letter made a demand for {$110.00} without explanation of the reason for this debt, and also said the collection letter was to be taken to my bank so a DIRECT DEPOSIT could be make into the collection company 's account at XXXX XXXX XXXX. I was at XXXX County Jail, but there were no such charges or fees owed. 
I wrote to this company the following on XXXX XXXX, XXXX XXXX XXXX Co. Jail c/o Advent Financial Systems PO BOX XXXX XXXX, KY XXXX XXXX : Collection Letter to XXXX XXXX. Your CR number XXXX, alleging A debt of {$110.00} To Whom It may Concern : Your letter received XXXX XXXX, XXXX, is an attempt to collect a debt. As such, I submit the following information, and a request : 1. I do not believe the amount cited is owed. 
2. 2.Please provide any and all information and documentation connected with this account of {$110.00}. This should include an itemized accounting of what comprises this total of {$110.00}. 
3. 3. In addition, if your firm has authorization to collect this, provide a copy of documentation showing the alleged contract with the XXXX County Jail and written documentation in support of your authorization. 

In addition, in a phone call to you it was stated that the fee is for fingerprinting, booking, and housing. By what authority is this amount charged? If there is a statutory authority, provide it, and if not, what other authority for collection of this amount is there? Please provide copies of theses along with the above-requested information. 

All responses are requested in writing to be sent to the address in the letterhead. 

Very truly yours, XXXX XXXX ************************************************************* Without replying to this letter, another letter was received on XXXX XXXX, XXXX, again from Advent in Kentucky, but with a signature of XXXX XXXX, XXXX, Sherifff of XXXX County, Indiana, saying " 2ND AND FINAL NOTICE '' threatening action, and of course, with added signature of Sheriff of XXXX County Indiana, made it appear that there would be " consequences '' if debt was not paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: AmeriHome Mortgage Company, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I phoned my mortgage company, Amerihome, today. I was harassed and mistreated beyond my level of comprehension. The phone representative made threats and posited herself in a very aggressive manner as though she was bullying me. This was all because I wanted to make a mortgage payment as I was locked out of my account. The woman 's last name was XXXX and her ID was XXXX. 

I did not pick Amerihome ; they bought my mortgage from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
To whom it may concern ; On XXXX XXXX, 2016 I applied online for a Citigold Checking Account with a promotional code that offered a promotion of XXXX bonus XXXX miles after setting up a bill payment for at least 2 consecutive months and after making at least {$1000.00} in debit card purchases. To ensure that the promotion was applied to my application I called on XXXX XXXX, 2016 and received verbal confirmation from a Citi representative that the promotion was in fact applied to my application. After fulfilling all of the required criteria to receive the bonus I waited a few months for the bonus to be applied to my account, it was never applied. I called Citi the end of XXXX and a representative told me I had fulfilled my end of the contract and that if I had not received the promotional airmiles by the end of XXXX to please call back and it would be taken care of. When I called back they said I had to open an investigation and claim ( not specific ) and they would be in touch with me in 72 hrs. So I subsequently opened a claim regarding the issue. 
I did n't hear back and called XXXX. Their response was that I was not targeted. However, I argue that they accepted and approved my application with the proper promotional code and I opened a Citigold account under the assurance that the promotion and bonus would be applied. They continued to do business with me until I called and asked about the bonus and at that time they told me it would not be issued. This is bad business practice and is unacceptable. I was never told about the " targeted '' restriction and they accepted the application under the promotion. 
I am not sure why this is happening but it is definitely not building good customer care. Since then my coorespondance has been anything but positive.. they keep reminding me that I was not " targeted '' when others that I have talked to were not targeted either and they received the promotion but not until confronting them several times. I had high hopes to have them manage our inheritance but I wanted to see how they did by living up to their commitment with this promotion. Can you please help me rectify this misrepresentation? If you need any other information, please let me know. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2015-11-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
EQUIFAX XXXX, XXXX XXXX, XXXX XXXX.EQUFAX FORMER CONFIRMATION XXXX. IS INVALID XXXX REPORT # XXXX FORMER YOUR REFERENCE # XXXXXXXXALL XXXX HAVE XXXX NAME XXXX XXXX XXXX THEY NEED TO HAVE ALL REMOVED ESPECIALLY XXXX AND XXXX HAVE NOT REMOVED THE XXXX XXXX XXXX ACCOUNTS WERE CLOSED IN XXXX, VA, BY THE FTC.., AND I ALSO WANT ALL TREE TO LOCK BY CREDIT REPORTS TO BE BLOCKED. RESPECTFULLY. THANKS, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has changed my student loans back to active, when they were included in my bankruptcy and deferred payments until XXXX 2016. They reported this information correctly 7 days ago on my report and are now reporting this information wrongfully. At this time I will be retaining an attorney to help assist me in fighting their negligence. They are breaking the law with what they are doing. Nothing is being done about this and I am currently disputing this with Equifax. But again they wo n't let the consumer that pays to have access to credit monitoring dispute things online. They are purposefully reporting wrongful information on my credit report because I am disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: WELLS FARGO & COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo put a hold on a deposit for 12 calendar days, and refuses to change this to a more reasonable amount of time. 

When I called the Customer Service number, I was told that this was " to protect my account '' and that it was because I had a number of NSFs ( which is due to WF 's creative bookkeeping ). I said that I understood holding the check to verify the funds from the paying bank, but twelve days is excessive. The CSR was unable ( and sounded unwilling ; she was very snippy ) to help me and directed me to visit a branch, which is impossible since I live in a XXXX Wells Fargo branches ( the nearest one is a XXXX XXXX XXXX ). I phoned WF branches in my hometown where the account was opened, and both times the bankers have been busy and no one has returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Other

Complaint:
XXXX/XXXX/16 Discover XXXX XXXX XXXX XXXX, DE XXXX XXXX : CFPB case # XXXX This case was instituted to address ALL prior disputes in particular case # XXXX. 

By my action in case # XXXX, ALL previous disputes on this single issue, are satisfied and closed. 

The reason is that the state of these XXXX ( XXXX ) Discover credit card accounts have been addressed to meet with my satisfaction. 

Account # 's ending in XXXX and XXXX.

Company response to consumer: Closed with explanation