BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: Credit Karma, LLC
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I use Credit Karma to keep an aprized of all action on my credit. Through Credit Karma I was offered a Pre-Approved XXXX I applied, and got an approval within less than XXXX seconds. I have allways understood that pre-approved things ussually do not result in a Hard Inquiry. Well they must have done XXXX in less than XXXX seconds. The next morning I checked my score on Credit Karma. My score had dropped XXXX points for XXXX, and XXXX points for XXXX. I do not recall giving permission to run a hard-inquiry, and everywhere I looked, a hard inquiry should only cost me XXXX points. Not nearly XXXX. I had just lost another XXXX points over not renewing a XXXX acount. I had 10 years of XXXX XXXX with XXXX. 10 years ago, it was only XXXX XXXX, Now it is an XXXX, XXXX, and XXXX XXXX XXXX, with yearly dues, high-interest, inadaquet reporting to credit agencies. Since I owed no money, I decided NOT to renew or Upgrade my card. The next day, all 10 years of credit history was gone, as well as XXXX points to XXXX XXXX, etc. I had a credit score in the middle XXXX, for which I needed to get an apartment. Now, over XXXX points later, I cant get approved for XXXX. This is ridiculous. I pay all my bills on time, phone, cable, yet none of that counts. These companies have not a care in the world, ruining peoples lives. They allways try and blame someone else. Credit-Karma, then, XXXX XXXX. I would be happy with just the XXXX points taken. Why am I an exception for every rule these companies themselves make? 
The XXXX date I do have is XX/XX/XXXX. That is the day that my XXXX, and XXXX points were taken by the XXXX XXXX. XXXX Score XXXX was used. That is mostly what I have. Oh yeah, the credit companies told me on the phone to take it up with Credit-Karma and XXXX. Credit Karma told me to take it up with the XXXX Agencies. Both XXXX XXXX and XXXX XXXX have yet to reply after more than XXXX e-mails to their XXXX resolution Department. What else can I do but complain to you, and keep on living in a mold-infested apartment for XXXX years while I gain it all back?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, this company has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that theyhave deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Credit Karma, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was previously married and as of that i resulted in having my last name changed to his about 5 years ago and now i am seeing hospital bills on my credit report that are not mine. I have not been to a hospital in years last time i checked out of one was one year and a half ago and i had medical insurance. I need help to get this straightend as i am trying to build my credit. Thank you.

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 2015-10-21
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
# 1 No pay-off statement related to old loan and/or escrow. Unable to determine and/or balance to pay-off. # 2 After getting a specific quote of {$350.00} for title insurance, received XXXX charges for {$350.00} listed as " XXXX '' and " XXXX-XXXX ''. # 3 Refusal to provide me with a copy of lender-paid appraisal done in 2010.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Regarding my complaint # XXXX. I have been informed that Wells Fargo Mortgage has once again requested an extension of their deadline to repospond to my complaint. The CFPB must do a better job of protecting this consumer. For more than XXXX years I have attempted to get details on a charge called " Unpaid second principal balance ( of ) {$7800.00} attached to my mortgage modification. And, for the second time, they are representing that they have to do " more research '' of their closing documents to determine the reason for attaching this charge to my modification. Wellls Fargo 's Mortgage department must be held to a legal and reasonable standard of consumer lending disclosure and transparency. Either there is a closing statement that discloses the details of this charge or they are attempting to further delay any resolution in hopes that I will drop my complaint ( s ) .This past and current conduct in responding with detail to the CFPB and me is tantamount to consumer fraud and must be addressed forcefully and quickly. That is the charge in the CFPB legislative authority and the public deserves better. I expect a more timely resolution to this complaint. ( The several Wells Fargo employees who have responded to my question in the past month are : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX and SVP XXXX XXXX by mail. ) Thank you, 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 2016-11-23
Company: FIRST HERITAGE CREDIT LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being harassed by a company called 1st Heritage credit out of XXXX Tennessee XXXX for an account my father owns. They are making threats to my wife and I stating we are liable for my fathers debt and our credit will be affected and our house will be repossessed. They are constantly calling my phone mumber demanding payment. They recently called my in laws demanding payment as well. The debt owed is between them and the my father and these threats need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Please refer to Describe Section of XXXX and XXXX. 

All related to multiple account # 's issued to same home and prohibiting any possible private investor to consider paying Wells Fargo when accounting issues and novation contracts involved with home as determined by Certified Fraud Examiner. 

Please also refer to recent extensive financial ruin initiated XXXX XXXX XXXX XXXX XXXX XXXX and Recorder 's office due to a Legal Doc Assistant suggestion of Acceptance of Deed and Grantor Trust ( just like a Living Trust ). These agencies have blocked me from securing new employment. Thus, harmed my chances of possible modification or other options. This recent event happened on XXXX XXXX, 2016 due to a XXXX investigator abusive communications over a phone -- - and clearly trying label me a Sovereign Citizen due the non-standard docs created by XXXX BUT approved XXXX XXXX Counsel and Supervisors at Recorder 's office. Again, I have a warrant for my arrest due to the XXXX leaving out the words '' Except for this liens in public record. '' I can not lose my home due to the uninformed XXXX investigator. This event has been horrifying and I ask Wells Fargo to please provide me material disclosures, and give me time to recover from XXXX event and secure possible modification or other settlement resolutions in case material disclosures were not issued to me concerning the use of my home and credit file.

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 2015-09-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
This is against WELLS FARGO for allowing a XXXX party to sign for the primary holder XXXX XXXX XXXX, the bank told me in XXXX he walked into back and paid loan in full personal casheirs check. XXXX has absolutely no knowledge of this nor was present. 
As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that XXXX Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and son to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. 
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for XXXX XXXX XXXX will help otherwise DIE & XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citizen 's Bank employee by name XXXX called us on XX/XX/XXXX and offered apply for refinancing of our home equity loan with a lower interest rate ( 2.5 % ). She asked for the last year tax return and my husband 's last XXXX pay stubs. The next day we provided those documents. Now, we are harassed by a woman by name XXXX XXXX XXXX, who tells us what to do ( to pay XXXX amount of money which is disputed because XXXX charged us fees for internet services which we did no use and which came from third parties ). Eventually there was a class action lawsuits filed and XXXX settled. In our case XXXX demanded some of disputed amounts and we refused to pay. Eventually XXXX cut off all services except for XXXX telephone line. at that point it was discovered that XXXX switched our telephone lines making primate line a secondary and the secondary as a primary. At that point our XXXX started to show error message on control panel and we discovered for the previous two years we had a security system for which we paid but which did not have connection to the XXXX. We demanded charges to be reimbursed and complained through FCC but although XXXX committed perjury FCC did not satisfy our request. We switched to XXXX and for the last 7 years do not respond to XXXX offers to switch back to them. No money would be paid out of the disputed amount. XXXX XXXX started to harass us demanded the payment of the disputed amount, additional documents ( XX/XX/XXXX tax return and proof of home owner 's insurance ) which we provided. Now she started to ask about companies we have no idea about and again for documents that we had already submitted. It appears that she does not know what she is doing and we refused to deal with her. She said she would withdraw our application. It appears that because we are foreign born we are systematically are harassed, intimidated, insulted and humiliated by banks in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I went to the Citizens Bank branch to pay my home equity loan in person. i pay in person each month. I arrived on XXXX XXXX and was told they could not take my payment because the computer was down. I begged them to hold my check and process it the next day but they refused to do so ( i was told they had nowhere safe to keep it overnight ). I returned on XXXX XXXX and was told i was to be charged a late fee. They also told me to mail my payment instead of coming in personally ( as a customer, i find that insulting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Williams & Fudge, Inc
State: UT
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:
In XX/XX/XXXX I applied for admission to XXXX university. In XX/XX/XXXX I was forced to go help family out of state ( school would not of started until mid XX/XX/XXXX ) and notified the school that I would let them know if I will be able to attend, but not to order books or enroll me into classes. I did notify them prior to the start of the term that I was no longer interested in attending their school. Now I am getting collection letters from " Williams and fudge, inc. '' for {$530.00} stating that they are for " No show fees '' for not attending the school. I have explained that I never agreed to attend the school, and their own billing statement even shows that tuition was credited back to me, but the company keeps saying that the debt is valid because they have a bill in their office for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Big Picture Loans, LLC
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I signed up for an Installment Loan from Big Picture Loans LLC on XXXX/XXXX/16 due to a job change. The agreement that was sent to me showed that I would have the {$400.00} loan paid off in XXXX payments. After signing up for the loan, the interest rate showed 847.9002 %, and that the total finance charge to them would be {$1800.00}. The total of the repayments will be {$2200.00}. If this was available to view with these details before " signing '' anything, I certainly would not have done it. 

After doing some research, I was directed to this site due to the seemingly illegal operation of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, continues to print the full credit card account number on its paper statements that are mailed monthly. All other creditors that I do business with mask the credit card number on both paper and electronic statements. Since mail theft is on the rise, and I was recently the victim of mail theft, this poses a high security risk. A phone call to XXXX XXXX credit department yielded no solution. I would like to ask XXXX XXXX to desist this practice as other creditors have done so.

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 2016-09-07
Company: ERC
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:
I have no consent or knowledge of this account ( s ) Verbal abuse over the phone, threatening tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A charge of fraud happened on credit card with my name but wrong birthday information. I called the bank and they opened a claim then they closed it without resolving it saying that they deemed it legit. I told them that the birthday is wrong and it's fraudulent and they told me to contact the credit beuro and the customer. When I contacted them, they told me they can't release information to me and that the bank should contact them. When I told the bank this they said the claim is closed and can not be reopened and that I have to take it up with the credit beuro.

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 2015-12-15
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Defendant : Sun Trust Bank - XXXX XXXX Branch XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX - Branch Manager and Assistant Vice President Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXXXXXXXXXX On Friday, XXXX XXXX, XXXX, arrived at the branch bank with my safety deposit box key to retrieve documents and gold jewelry. I was denied access to the box. The branch manager explained that the box had been assigned to someone else. The box was rented jointly with XXXX XXXX XXXX, my significant other. I hold both checking and savings accounts at that bank and have been using Sun Trust since XXXX XXXX. Any box rental fees should have been automatically deducted from the checking account. Except for the initial rental fee, I have never bothered to consider the rental fees. I was under the impression that the bank was doing its job. I have never received a bill for box rental fees. Rental fees were not discussed at the XXXX XXXX meeting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The borrower 's name is XXXX XXXX ( maiden name ). Her former name, while married, was XXXX XXXX. On XX/XX/XXXX, we submitted an RMA and Request for Modification with all supporting financial documents to Suntrust, her mortgagee. Suntrust processes her modification through XX/XX/XXXX at which point they advised that the loan modification was being denied. The reason for the denial was that the borrower showed excessive mortgage obligations on her credit report. When we had the borrower pull all three credit reports, the only mortgage showing was this one to Suntrust. When we explained to the specialist/negotiator that we had pulled her credit reports and there was no other mortgage under her social security number, they refused to listen to us. THis is the borrower 's primary residence and therefore, we were at a stalemate. Borrower decided to appeal Suntrust 's denial since it was incorrect, and we provided Non-ID Affidavits whereby borrower signed under oath that she had no other mortgages. We even provided her credit reports to Suntrust to evidence only XXXX mortgage to Suntrust. Suntrust took a few more months, processed the appeal and came back with the same decision, denying her modification based solely on these grounds. Obviously, they are not running her credit report since that is tied to her social. But rather, going through public records where her sister in law ( her ex-husband 's sister 's name is also XXXX XXXX ) does have outstanding mortgages but none of which are tied to this borrower 's social security number and do not belong to this borrower ) We provided the credit reports to Suntrust to evidence our position and the lack of any other mortgage under this borrower. They again advised that they were going through her credit report and that her credit report showed more than XXXX mortgage. We asked to have them provided so we could rebut them and show that it was false, but Suntrust refused. As of today, the appeal was again denied on erroneous and unlawful grounds.

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 2016-12-19
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, Citi Gold XXXX branch Manager, wasted my time and blew me off with his unprofessional false promises. He failed to identify I.D . over a serious phone call regarding my Credit card account. Even worse, he read out my account number without identifying me as THE customer. After talking with me for only a few minutes after confirming my name, XXXX XXXX told me that he had my account pulled up, and then he read off my account number. This is Unacceptable and Unbelievable!! Where is identity Security?

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