BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This account was paid off in full on XX/XX/XXXX by refinancing the property with a new XXXX XXXX Deed ( ref attached payoff demand, wire transfer confirmation and recorded XXXX Deed of Trust ). 

The payoff demand included several items of overpayment which PHH has not refunded to borrower XXXX XXXX XXXX. 

The first item consists of three days interest at {$62.00} per day for a total of {$180.00}. The payoff demand was for interest through XX/XX/XXXX but the actual payoff was made on XX/XX/XXXX. 

The second item consists of charges from pursuing a fraudulent foreclosure action after the loan was paid off. These charges total {$2900.00}. 

The third item is for flood insurance premiums paid through the PHH escrow account for 14 months of coverage after the loan was paid off on XX/XX/XXXX. The attachment titled PHH escrow account summary shows a payment of {$920.00} for the period of XX/XX/XXXX through XX/XX/XXXX. 

In addition, XXXX months premiums ( {$150.00} ) from the policy providing coverage for the period from XX/XX/XXXX through XX/XX/XXXX should be refunded since the mortgage account was closed out two months prior to the expiration date of that policy.

Also attached is a copy of the payoff demand made by PHH on XX/XX/XXXX in the amount of {$490000.00}, almost XXXX months after the loan was paid off. At that point, I retained an attorney to get the fraudulent Trustees Sale cancelled. PHH finally cancelled this sale on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
X/XX/17 To Whom It May Concern, I am writing this letter as I have a complaint that I would like investigated. Recently, I took out a BECU auto loan to cover the cost of my new vehicle. After learning about the new laws, I found that I had been given a loan with an interest rate of 4.24 % which is significantly more than the 0.29 % interest rate which the law states is applicable to loan borrowers. I am now requesting that you please take in depth look at why I have been charged with a higher interest rate. I was told that because my credit score was low, I had was offered the higher interest rate of 4.24 %. I should have qualified for an interest rate of 0.29 %, as all auto loans in WA state have this designated interest rate. After reaching out to BECU by phone, they stated that their lowest interest rate is 2.49 % and that my interest rate of 4.24 % was based on my credit score. Please contact me as soon as possible. I have been receiving inconsistent advice from them. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I hope you're having a good day. This is my second notice towards Fifth Third via CFPB.gov per the last CFPB Complaint No : XXXX for your reference. 

If Fifth Third or any subsidiaries are furnishing negative information to any specialty XXXX  such as XXXX XXXX, XXXX XXXX XXXX, etc., without my written permission or consent, you are violating federal law and I demand you cease and desist all activity. I have read the contract and disclosure given to me upon opening of my checking account, and not once have I agreed for negative information to be furnished nor did I express written consent. Therefore, pursuant to 15 U.S. Code 1681b et seq ; as well as notifying me, the consumer, pursuant to 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) ( ii ) you are in violation of the Fair Credit Reporting Act.

I demand you cease and desist all activity and contact any specialty XXXX notify me of who you have furnished information too and permanently delete said reporting of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXXXXXX, Acct # XXXX ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to equifax ) XXXX, Acct # XXXXXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX, Acct # XXXX ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I am requesting that these accounts be removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My PNC checking account ending in " XXXX '' was debited TWICE, once on XX/XX/XXXX and again on XX/XX/XXXX for {$1900.00}. The first auto transfer of XXXX IS NOT SCHEDULED and was linked to a old business account ending in " XXXX ''. PNC allowed our non-profit to link to personal accounts. Under the old " XXXX '', there was a $ XXXX monthly transfer scheduled to come out XX/XX/XXXX. That account was terminated by me and PNC informed me that all banking would cease including scheduled transfers. So I scheduled the {$1900.00} under ONLY my personal account for {$1900.00} to be withdrawn on the XXXX of each month. PNC did not remove/cancel the old transfer as I was told so there were two transfers, one illegal.. I contacted PNC customer service and left the conversation highly underwhelmed with NO RESOLUTION. I need answers for this not to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX account beginning with XXXX have violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX account beginning with XXXX have violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-06-14
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I downloaded my free credit report from XXXX XXXX today XX/XX/2021, I found that XXXX XXXX claimed that it had debt from an original creditor, Citibank NA. I was unaware of any debt I may have had through Citibank. I called various numbers at Citibank, which referred me to other numbers at Citibank, none of which could find anything under my name and SS #. XXXX at Citibank told me on the phone to contact Applications. I am going around in circles, and debt buyer XXXX XXXX was unreachable. It purports to have a debt of {$500.00}, but both Citibank and I are unable to verify this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax continues to report a {$3100.00} credit card collection from XXXX XXXX on my credit report. I am no longer an authorized user on this account, nor am I responsible for its repayment in any way. I have been contacting Equifax about this issue for months, but they refuse to take that account ( that does not belong to me ) off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX of last year I transferred XXXX to Wells Fargo from XXXX  XXXX XXXX. On XX/XX/XXXX XXXX  XXXX XXXX closed my account and Wells Fargo did the same and returned the XXXX to XXXX XXXXXXXX XXXX XXXXk XXXX XXXX claims that they have never received the money and that Wells Fargo never sent the money to them, which is false by the documentation that I Have. I need Wells Fargo to verify that the money was indeed returned to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: CA
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:
In XXXX of XXXX I sent EXPERIAN an identity theft report to block/remove all accounts furnished that were part of the XXXX XX/XX/XXXX data XXXX. EXPERIAN continues to verify accounts on my consumer report without giving the method of verification or providing an investigative consumer report as required by federal law. I understand that credit agencies like EXPERIAN, use an E-Oscar machine to process dispute letters, which is inefficient in verifying information contained in consumer reports the correct way. I have requested through dispute letter that EXPERIAN provide the method of verification under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), it has been received as of XX/XX/XXXX. I understand that EXPERIAN must provide me the method of verification within 15 days of my request or the information must be deleted. 

EXPERIAN is also in violation of 15 USC 1681b ( a ) ( 2 ), i the consumer did not give written authorization for EXPERIAN to furnish anything on my credit report. I demand EXPERIAN produce the certified documents showing I gave authorization for this negative information to be furnished on my consumer report. Also, EXPERIAN is in violation of XXXX USC 1681a ( 2 ) ( B ) by furnishing approvals of specific extentions of credit on my consumer report. These are direct violations of federal law. 

I spoke with an authorized agent for EXPERIAN whom told me that EXPERIAN is not in violation of any federal laws and they are required to place transactions on my consumer report whenever a creditor sends them in and there is no authorization needed from the consumer. The authorized agent for EXPERIAN whom i spoke with and is over my consumer report is XXXX XXXX, his direct line is 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 2017-10-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
We love our XXXX Infiniti Q50 with 3.7 litre engine. It is an excellent car. We bought it on a 39 month lease which ends in XXXX XXXX. Infiniti USA has been soliciting us to return the car for the last ( 3 ) months offering incentives that release us from the last few months of the lease. When we went to the dealership to pick up a new Q50, we found that the car did not have the same engine. Our current Q50 has a 3.7 Liter Engine and the new Q50 's all have a 2.0 or 3.0 Turbo configuration. Because they are using the same chassis, the car is loud and does not drive the same. We took the car back to the dealership. We contacted Infiniti and said the only Infiniti car that meets our desires is now the Q70 with 3.7 litre engine. But the Q70 is a larger and more expensive car. We are reasonable, we are fine with paying more for our current car with inflation, but the delta to the Q70 will require incentives from Infiniti to bring down the price. A Q70 is not affordable. We believe that Infiniti is engaging in a bait and switch to make us buy a Q70. They are forcing us to turn in a car of a higher quality and value for a lower value car. Because it is a lease contract we are required to pay a lot of money to turn in the car and buy another brand. When we tried to work with Infiniti USA, they gave us a case number XXXX and ultimately offered free maintenance, which is in actuality is 5 free oil changes. A XXXX company like XXXX really should not be allowed to treat us US consumers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
SunTrust has failed to honor the terms and conditions of a promotional offer called SunTrust Deals. For this specific offer, customers were eligible for {$75.00} cash back for making two transactions with XXXX XXXX XXXX XXXX with an eligible SunTrust card on wireless products or services of at least {$15.00} by XXXX/XXXX/XXXX. The offer says that the {$75.00} cash back is earned within 30 days after making the second transaction ( see attached offer ). 

I used my SunTrust debit card to make two separate transactions with XXXX XXXX XXXX XXXX - for {$31.00} on XXXX/XXXX/XXXX and {$41.00} on XXXX/XXXX/XXXX. However, SunTrust has failed to provide the {$75.00} cash back within 30 days of the second transaction, which would have been XXXX XXXX. When I called SunTrust 's XXXX number, the customer service representative said that the cash back appeared to be pending but was evasive on the timing or probability of payment. The representative admitted that SunTrust had a pattern of not always honoring promotional offers. 

Attached is a copy of the promotional offer plus my statement verifying that I complied with the terms of the offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I keep trying to use XXXX  to link my account to my external account ( XXXX  and XXXX  ) for transfers but it wont let me! It says the bank has to fix it but all my info is correct. It let me before now so idk what the issue is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I am complaining about Bank of America EDD program. They are forcing users to pay large fees during pandemic and unemployed people are suffering. I applied for unemployment the week of XX/XX/XXXX. The EDD department never sent me my bank of america card. I had to call and request it be mailed. It is XX/XX/XXXX and still no card. There site won't let me access my funds from EDD without the card. It claims once I have the card, I won't be able to transfer the funds to my normal bank, XXXX XXXX without paying a {$15.00} fee for each electronic transfer. That seems excessive to charge {$15.00} while everyone is using electronic banking rather than in person banking during the pandemic, especially, to charge that for unemployed people who would regularly never use their bank. I do not have a car either, so I can not safely go withdraw the money from their bank in person. I have to transfer the money to my XXXX XXXX account so I can use the funds to write a check with my check book to pay my XXXX rent which is 21 days late. Currently, they won't let me access my funds at all because the Bank of America card has not come in the mail at all. Bank of America should not charge unemployed people fees for money transfer during the pandemic. If 6.6 million unemployed Californians each have to pay {$15.00} to have their unemployment money deposited into their normal bank account, Bank of America will have charged 6.6 million times {$15.00} ( 6.6 mil people x {$15.00} XXXX. This is {$99.00} million dollars in {$15.00} transfer fees. This {$15.00} is charged each time the user makes the transfer, thus since EDD funds are distributed monthly. The Bank of America could take {$99.00} million dollars of EDD unemployment funds from Californians each month of the pandemic, while electronic transfers are the safest option for our health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I received a call from Ally that a {$500.00} XXXX transfer I had received on XX/XX/XXXX had been flagged for fraud by the person who sent it. My father sent this payment to me and I was easily able to confirm that he did not flag it for fraud. Either Ally, the XXXX XXXX, or XXXX flagged the transaction for fraud for some reason and we were not notified. Ally locked my account and froze my funds ( over {$10000.00} ). They said that the matter was under investigation and could take up to 90 days to get resolved. I need access to my funds to pay expenses and bills.

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 2017-10-15
Company: CURO Intermediate Holdings
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:
I contacted this agency and requested verification of the documents and even though the letter was signed for I have never received a reply from the letter mailed on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Experian Information Solutions Inc.
State: AK
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: Investigation took more than 30 days

Complaint:
I sent a validation request on some accounts by certified letter over 30 days ago and I have received nothing what so ever on my request to validate these accounts. I know for a fact the letter was received because it was certified.

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 2017-07-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a private loan whilst I was a graduate student at the XXXX XXXXXXXX XXXX. I have had periods of deferment/forbearance/difficulty paying. The loan balance now, in XX/XX/XXXX is actually higher than when I graduated in XX/XX/XXXX. I am totally frustrated. I make payments every month and NOTHING changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation