BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-13
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
SunTrust Mortgage has failed to close a loan for my mortgage. We have been misled throughout the entire process. Our situation has been escalated, however, we have had XXXX closing dates fall through and we have been told that documents have been sent to the closing attorney, when actually they have not. Emails and phone calls have not been replied to and the entire process has been detrimental to the consumer. I have lost time at my job fold conference calls, as well as, taking time off for XXXX closings that have never occurred. Our furniture is sitting out in the street and unable to be moved into the home, as SunTrust can not complete this loan. Underwriting blames new software upgrades, volume of business, etc. but we have been without a home going on XXXX weeks. This company should be reprimanded for its behavior towards consumers and I hope others can learn from this horrible experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on two payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was turned over to Stellar Recovery , Inc by XXXX in XXXX XXXX for a debt of {$56.00} I was unaware of from XXXX XXXX ( showed up on my CreditKarma account name of company and amount ). Nothing in writing from Stellar. Finally received copy of final bill from XXXX after making 3 requests. Called Stellar and complained about not being notified of the debt in writing - was told by XXXX " we do n't have to notify you in writing. '' Spoke with her supervisor XXXX XXXX who said they did n't have my phone number ( I told XXXX XXXX I 've had my same phone number for 6 years XXXX had that phone number ) to call me which is why I was n't notified, however, she did have my new address, I asked why was n't I notified in writing she could n't answer. I told XXXX XXXX collection agencies are required by law to notify a consumer in writing giving them 30 days to respond by dispute or paying the balance. If a consumer does n't respond, they can proceed with collection procedures up to and including adding info to your credit report. Stellar did n't do anything but add my unpaid balance to my credit file and my score dropped XXXX points as a result. All XXXX XXXX said was, " I 'm sorry this happened to you I can tell you are someone who pays her bills. '' Not to mention this will stay on my credit for 3 to 7 years. Also, XXXX XXXX said I will have to call them back in 30 days to request a payoff letter as they will not send out a confirmation of payment automatically. Wanted my permission to call me on the phone just in case they needed to tell me something - I asked what they would need to talk to me about - I agreed to allow them to contact me by email first preference or by US mail and she argued once I refused to allow them to call me she then asked for my email. I declared my dissatisfaction of their bad business practices and told XXXX XXXX I would be filing a complaint with the FTC. Of the XXXX complaints I doubt mine will be addressed, however, I formally request immediate confirmation of payment made to Stellar Recovery and the collection be taken completely off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax cc cfpb Good morning Equifax and The cfpb I want to first start off and express My feeling and Point of View about the Reporting agency. I have asked Equifax since XXXX 2016 of this year.. via certifed mail and which I have in many disputes via the cfpb website. You have yet to comply with any of my request. Equifax I 'm fully aware that you are not for the consumer at all. I mean The banks pay you people to report consumer 's information. But there are federal laws In place to protect people Like me.. But After carefully reviewing my credit report I noticed Equifax said that THEY Have investigated the barlcaycard account in almost every dispute. what i want to ask equifax how could you have verified the account was mine because on your credit reported the account number is not even MINE I placed a called to XXXX XXXX and they confirmed that there is no account in my name MATCHING THAT ACCOUNT NUMBER Equifax this is so iMportant as to why the governement allow consumer 's to have the right to asked for the original sign document because of this type stuff. god forbid if i had to buy a automobile or house and got a higher rate because of your reporting of negitive info. i also called your company yesterday and ask the rep at equifax to verify the account that you are reporting and she confimed the account number FOR WHICH YOU ARE REPORTING. so i asked you if you could please stop lying to me and the cfpb that you have verify the account and I know you have n't if you did you would have found out that this account is not mine ... I asked you to please remove the XXXX account ALONG WITH THE CLOSED XXXX AND THE CLOSED ONEMAIN ACCOUNT punto from my credit file. and yes XXXX is A S A P IN LAYMAN TERMS.. You should be ashmed of yourself for doing hard working people like this. I KNOW YOU DO NOT HAVE THE ORGINAL DOCUMENTS THAT I BEEN ASKING FOR SINCE XXXX 2016. IF YOU DID YOU WOULD HAVE SENT THEM TO ME BY NOW. AND YOU ARE WAY OVER YOUR 30 DAYS THAT THE FEDERAL GOVERNMENT ALL YOU TO INVESTIGATE DISPUTE. PLEASE REMOVE THE ACCOUNTS THAT I HAVE ASKED YOU TO DO SINCE XX/XX/XXXX. I WILL NOT EXPECT ANYTHING FROM THE ORGINAL CREDITOR ON YOUR BEHALF ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was sent a paper from Messerli & Kramer XXXX XXXX. 
In it had a statement that if I had signed it would keep me from ever suing them no matter what anyone in their company did to me or their future children may do to me. It was a disclaimer so I could never sue them for any reason. I could not sign it. I have a paper copy. I do owe a debt I wish I could pay. I was sent a judgement from the court. I do not have a job so I can not pay this, but this new paperwork ... It 's something that was clearly illegal. I looked their name up online and their are quite a few court cases in which they are the defendant. People are suing them frequently. I can see why they would want to send me this. I normally do not sue people or organizations. I believe in ethics and morals. I do n't believe in this type of behavior. 
Thank you for looking into this. Some people just do not read the entire document. They could do anything to them. That would be horrible. I do n't want anyone to be hurt by them. Please look into this. Thank you again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
i was sued by kenoshian miele. .went to court was waiting for proof ( discovery ) ) had a court date for XXXX 2012 and they moved the court date to XX/XX/2012 without notifiying me and so in turn they got a default judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: CORELOGIC INC
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Teletrack is listing XXXX inquiries well over the allowed 2 year period. XXXX is still there after almost 4 years, XXXX around 3 years old and XXXX nearing 25 months old. This is against FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Circle Internet Financial
State: MO
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fraud or scam

Complaint:
XXXX/XXXX/16 I contacted XXXX for computer repair and made a payment of {$180.00} through Circle financial. XXXX/XXXX/16 XXXX informed me that I need to purchase a patchwork file for {$120.00} which I agreed to pay for.Both transactions were made through Circle Internet Financial Inc.The problem reoccurred on XXXX/XXXX/16. I contacted XXXX on XXXX/XXXX/16. They informed me that XXXX XXXX of XXXX for {$200.00} the problem would be fixed. I agreed to pay for the repairs again through Circle Financial. The computer problem still was not resolved. I tried to contact the company many times with no success. It turns out that XXXX is a scam as confirmed by XXXX, a rep from Circle. I did not get the product I purchased. I could not get in touch with XXXX for a refund and Circle would not assist me. Circle told me that they do n't know the company name ( XXXX gives different names ) and yet they allowed my payments. to be processed knowingly by a scam.

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 2015-09-01
Company: First Colony Mortgage Corp.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX XXXX. First Colony Mortgage ( XXXX ) XXXX did not Relinquish the Keys to my houses which should have been done No later than XXXX XXXX, 2012 based on No matter what they are you XXXX when he or she gets the XXXX and claimed with faxes and foot step on land rule. The person is accounted for paying the XXXX from SSI and Welfare and the Direct Deposit Abduction Law is not neglected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: FL
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from 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 2017-01-22
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying experian of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.

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 2015-10-15
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My sister took out a high interest loan with this company, then lost her job and defaulted on the loan. I am not a party to the loan in any way, shape or form. The company somehow figured out I am her sister and started calling me. I have received more than ten calls from a variety of telephone numbers. One person asked for my sister by name and when I explained I am her sister, they blasted very loud and menancing music into the receiver. Another time, a recording asked for my sister by name. Now they call frequently at all hours. My research indicates it is illegal for collection agencies to contact debtor 's family members, but they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I subscribed to The Nation magazine last year and decided not to renew my subscription. Since then, I 've gotten several letters from The Nation about my " outstanding debt '', threatening to turn the matter over to a collection agency. Today, I received a letter from a 3rd party collection agency North Shore Agency demanding payment of {$18.00} and threatening to consider the debt " valid '' if I do not respond within 30 days. 

I realize that print newspapers and magazines are in dire need of subscription revenue these days, but to resort to threats and intimidation is unacceptably aggressive marketing. Please put a stop to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Please see complaint : XXXXThey responded today with : Dear XXXX : Thank you for contacting First National Bank. 
In order to fully assist you with your request, please contact us at XXXX. 
Sincerely, XXXX XXXX. 
Customer Care Senior Specialist. 

The only problem is ... ... .There is no XXXX XXXX at the XXXX.?? 

I spent 27 minutes on the phone with the company, today ( XXXX/XXXX/2015 ). Asking for XXXX XXXX ... ... she docent exist according to XXXX Customer Service people. 

No XXXX XXXX and the President of the Company goes by XXXX Different names??? 

Whats up with 1 st National Bank Omaha? ABA routing number : XXXX ... ..at least according to their website. But, who knows? 

Do they pay their FDIC premiums on time???????? 

Thank YouXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Jonathan C. Frank & Associates, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I got a call that I was being served on a debt ( REFUSED TO TELL ME WHAT DEBT OR ANYTHING ABOUT IT ) or arrested if I refused to be served. I kept asking what they were calling about and all they would do is repeat the attorney 's name and that I did n't need to be so hostile. By hostile I mean asking what this was in regards to, asking why I have received no notifications of any debts owed via USPS, previous phone calls or why they are calling threatening legal action or jail for something that I have NO information on. I refused to verify my social security number because I have NO idea what this call was for or if even my debt. I requested all information in writing and was told I as too late since it 's already become a legal matter beyond their control!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
file # XXXX chapter XXXX According to the FCRA ... I have a right to know how the information was obtained and where it was obtained to verify the chapter XXXX file number XXXX. They failed to send me information on how this was verified and with whom they verified it with. This is a serious FCRA violation. The court house claims the credit bureau does not verify with them either on someone 's bankruptcy filings .. so where did Equifax get their information from? Looking at your computer screen is not validating and verifying information. If they can not show me proof they have to delete this information immmediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Nelnet is reporting me as 90 days late on a student loan payment. This is incorrect because I was enrolled in school when they claim that a payment was due. I 'm a military veteran and I 've been attempting to apply for a VA Loan for 4 months and this erroneous information on my credit report is holding up the loan approval. I have transcripts that prove that I was in school and and payments should have been deferred until I graduated which did not happen until XX/XX/2015. I also have my student loans consolidated with the XXXX XXXX so I do n't understand why Nelnet continues to report this erroneous information on my credit report. I have attempted to speak with a Nelnet representative about this mistake and they are rude each time I call and refuse to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loan account was recently changed from XXXX to a service provider names Nelnet. My repayment terms for XXXX was set up as a 10-year plan starting XX/XX/XXXX and ending in XX/XX/XXXX. Once transferred, I was told that payments and term loans were not changing, just the servicer. First payment was still the same, however, the second payment was for significantly less. I called Nelnet to see what the issue was and was told that the payment term was now for 25 years beginning XX/XX/XXXX making the term end XX/XX/XXXX. A DIFFERENCE OF 18 YEARS. I did not refinance the loan so I did not believe that they could do this without my approval. I thought they were suppose to continue the loan as is. Even with paying the difference to match what I was paying before, the new end date for my loan term is XX/XX/XXXX, so two extra payments and the representative said that she did not know why I would have to pay the two extra months even though my payments are still the same. She recommended that I pay extra XXXX dollars a month to get it back to ending in XX/XX/XXXX. So I still don ; t understand why I 'm paying extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Gentlemen, On XX/XX/XXXX I opened a checking acct with CHASE BANK for my DIRECT DEPOSIT OF MY PAYCHECK. CHASE BANK sent me a promotion that I will receive a {$300.00} bonus after my first direct deposit. 
I have had XXXX direct deposits thus far and when I called CHASE they said that these deposits were not DIRECT DEPOSITS but XXXX. Maybe I am not understanding this but I did not receive the checks and then deposit, they were electronically sent to my acct. They denied me the {$300.00} bonus, another scam by Big Banks. 

Your attention to this matter is greatly appreciated. 

Thanks you XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Original creditor failed to bill the insurance company for XXXX visit. I have provided proof that I had valid coverage to both the Original Creditor and the Collection Agency. I was told by XXXX that it is too late to bill the Insurance therefore I am responsible for the debt. This debt is being negatively reported on my Credit File with all XXXX Credit Bureaus. I am requesting a new investigation and have this item removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan is currently with Seterus Servicing. I tried to do a short sale in XXXX of 2015 which was declined. I then vacated the premises on XXXX XXXX, 2015 and notified XXXX of that fact. They sent me XXXX modification agreement in XXXX of 2015. I called them and decli8ned. again advised them I vacated the premises and they should initiate foreclosure proceedings. I did n't hear from them except for the occasional statement and XXXX letter advising me that I was declined for assistance. I never asked for assistance..In XX/XX/XXXX I was sent a Notice of Default. Since then, I have been inundated with calls asking me if I want the modification. That would be the modification that I never received and have told them verbally I did not want. I was called on XXXX XXXX. I advised them I did not want the mod, I was n't living in the house an proceed with the foreclosure. On Saturday. 3 days later, I received another call asking me my intention for the house I again told them I was n't living in the house I did n't want any assistance and proceed with foreclosure. This morning, 1 business day later I received another call. I called them back and again told them I wanted no assistance. I also asked why I was receiving daily calls when contact was made and she advised me that because I am in a trial ( what Trial? ) the calls could not be stopped. I told her that it was harassment and she stated that they were within their right to call me every day as long as I was in a trial I did n't want nor never asked .Is n't this against the fair debt collection practices act?

Company response to consumer: Closed with explanation