BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This item is wrong and inaccurately reported on my report for a while now under different names, first started as XXXX XXXX XXXX, and now it 's listed as XXXX. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX XXXX XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : collection agency : XXXX original Lender : XXXX XXXX XXXX balance : {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The CARD Act requires that my credit card due date has to be at least 21 days from the day the statement is sent. So, that 's 21 days plus 30 days before any late payments are reported to the credit bureaus ... or 51 days. My account with Care Credit / Synchrony Bank was not 51 day past due. Nonetheless it ( my account ) is inaccurately being reported to multiple credit bureaus as a late payment.

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 2016-10-27
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was contacted by Citi to refinance my mortgage and told that they could use the documents from my HELOC that close 2 weeks before. Without highlighting or asking permission, XXXX XXXX, pulled our credit. He then informed us that our credit score was below the allowed score to qualify for the lower refi rate. This was a complete bait and switch since there was no mention of needing to qualify to be eligible fore the lower rate that he quoted us. He also never asked permission or mentioned that he was going to pull our credit. Even worse, we have since learned that Citi pulled our credit twice without approval. Once on XX/XX/XXXX and again on XX/XX/XXXX. We want to file a formal complaint about the bait and switch tactics and pulling our credit twice without permission. Obviously credit needs to be pulled for a mortgage, but it was highlighted that they would use our documents from the recent HELOC that was closed 2 weeks before.

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 2015-04-21
Company: CITIBANK, N.A.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
unable to pay my loan to One Main Financial, ive told them verbally to do not call me and sent them certified letter stating that also, they continue to keep calling my work and im at risk of loosing my job,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-10
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus, Inc. has failed to remit my {$1500.00} escrow reimbursement within the 30 day post loan payoff period required by law. This is my second filing of a complaint against Seterus with the CFPB as your records will show that I have had other problems with this incredibly inept company. I paid the loan off on XX/XX/XXXX and have not received my check and it is now XX/XX/XXXX and I have had several phone calls with Seterus trying to get my money. They claimed they mailed a check on XX/XX/XXXX but I do not believe them as I have not received a check.Seterus should be fined and penalized for its incompetence and law breaking. XXXX should be alerted to its misconduct and should cancel its servicing agreement with Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Reverse Mortgage Solutions, Inc.
State: PR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX letters sent to the mortgage institution in order to request the money is available, according to the monthly loan statement, and they did n't answer it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: TX
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 XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX has 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 : It also states a consumer reporting agency can not furnish a 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 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient never offered me any form of relief from my high monthly payment other than forbearance or deferment. I have inquired regarding any type of loan relief possible from Navient and was never told that I qualified for income based repayment ( which I applied for yesterday ) and have been paying on my loans for many years despite being on mostly fixed income and I am currently XXXX years old and forced to work at XXXX for the last 9 years to sustain myself. I believe that my payments have encompassed approximately 17 years and that my loan balance has remained within only several thousand dollars during the entire term of the loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I walked into a Citibank branch at XXXX XXXX XXXX, XXXX, NY XXXX ( I have a Checking Account with Citibank ) and ordered about {$300.00} worth of a foreign currency. For some reason, my Checking Account got debited twice for the order ( i.e. I was charged twice as much as I was supposed to be charged ), even though my receipt only indicated that I placed the order once. I went back an hour later and was told the problem would be corrected by the end of the day. It was n't. I called Citibank, and was told that it would take 45-90 days to resolve the problem through corporate. This is completely unacceptable - I lost access to my money and I have bills to pay on which I 'll be charged interest if they are late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/2016 - file is 26 months past due totaling about $ XXXX ( w/o any fees ). Loan mod was denied because the servicer was unable to reduce the principal and interest portion of the payment - therefore a loan mod is no longer an option - no matter what the homeowner changes in her circumstance the result would still be the same - the servicer tried to extend loan to 40 yrs ( max term ) & reduce the interest rate as low as they are able to and still the monthly payment was too high. -- The servicer would not communicate to the HUD approved nonprofit whether they reduced the interest rate at all. -- Available options is to reinstate or come up with a significant down payment so that the homeowner can agree to a 12 month repayment plan otherwise option is to liquidate. -- The file is in active foreclosure with NO sale date because the file is in active bankruptcy ; therefore the foreclosure is on hold. - My request for a NPV was denied ; request must be in writing and even then the request my not be granted. I was not given an answer when I asked what the lowest interest rate they used to determine if the homeowner was able to get approved for a loan mod or not.

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
Consumer complaint received 2015-08-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am leading a XXXX XXXX ... .. Unfortunately I had some issue and had to move and my financial situation caused my payments to be late .... I contacted the ... Nissan Motor Acceptance Corporation. ... there # is XXXX ... ..Spoke with XXXX of the gentleman that works her ... I do n't remember his name .... I explained my situation and told him I 'd be paying most of it if not all of it on the XXXX of this month when I get paid ... .. He refused me and tolde I need to pay by the XXXX .... I told him I ca n't do so till I get paid on the XXXX .... He did n't want to hear it ... Now I 'm trying to pay and he is denying me .... I told him I guess you will have to come take the car .... He said fine he will .... Now as far as I 'm concerned I 'm being way over charged on my payments to start out with .... I have a XXXX with absolutely nothing extra ... Very basic and I 'm paying XXXX or month ... .. If they are going to rip me off then they should have the decency to give me till the XXXX .... Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Contacted Equifax, XXXX & XXXX regarding unauthorized inquires on my credit report from XXXX. Transunion removed immediately. XXXX removed XXXX. Equifax stated I have to contact XXXX directly for removal if I consider inquiries fraudulent. Sent letter to XXXX as directed. XXXX responded stating I have extended alert on my credit file but no response regarding removal. Sent letter response to Equifax and Experian and still refuse to remove. Sent additional letter to XXXX. No Response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Today XXXX XXXX, 2016 I did called the sears citi master card to request for credit increased. The male representative in XXXX XXXX, never even check his system he just asked my social security number, and never reviewed the report that I have, this company made a mistaked and went into my account, to enrolled me to a paper less payment, this company told me, that I owed them, and they said that there will be a late charged, Ive been in this company for almost 5 years, but I never missed my statement from them, there male representative declined my credit increased, and hang up on me, he ruin my credit report, I called there investigation department, and they said, that they will call this guy, but they will never call me anymore, is this a right policy, how this company ruin my credit, there representative told me, that my payment will be hold for 48 hours, so by Monday, that is the day I could apply for increase. Its not the company but the poor of this call center.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Today I had an appointment at the Santander bank on XXXX XXXX NJ to transfer over my XXXX XXXX account. We had an appointment for XXXX so XXXX XXXX told us the guy that handles this told her that he was still in the XXXX office and will be late. We waited over an hour for him to come. When he came he decided to help another customer instead that had an appointment at XXXX. I knew he had an appointment for XXXX because I heard XXXX talking about it. When he finally came to talk to us, he said that XXXX told me why we were here and all he his to do is open a new account. I then told him that I noticed what he did and he took that other appointment before us and he said " And your point is '' I asked him if this is how he does business and he ignored me and said " so do you want to open this account ''. He was very unprofessional and did n't bother to discuss the details of our transcation. I then processed to tell him, that you just came in here and did n't discuss anything with us and now your telling me all I have to do is open a new account. I believe this was horrible customer service and for this reason, I walked out of the bank without anything resolved. I am now considering going to another bank because this was horrible.

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 2015-08-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We were trying to get a lower interest rate. The bank should have offered us a refinance loan, instead of a modification loan. Our credit was not bad. It ended up costing us an extra 10 years at the same interest rate of 5.99 % plus {$7000.00} in closing coast.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a bank account with Santander Bank. I received a domestic wire into my bank account in connection with a purchase of residential real estate. When I tried to wire the funds out of the bank to finish the transaction, I was told that I would have to wait 3 business days in order to access the money. The purpose of a wire is so that the funds are clear once they clear the Federal Reserve. I feel that making me wait 3 business days to have access to money wired into my bank account is illegal and unethical. The funds should be available once they are received by the Bank ; once received by the bank they should be put into my account and be immediately accessible. The bank is doing this to make money off of other people 's money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-02-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
there was a scheduled automatic payment debited to my account to pay my Santander mortgage but since XXXX XXXX I noticed that my bills were getting paid and the Santander bank account was overdrawn and the Santander checking account was charging me insufficient funds for {$35.00} and a week later they will charge me again sustained overdraft fee $ XXXX. I went personally to the Santander Branch several times to stop the automated mortgage payments to then choose a date that I know my XXXX Check is being deposited. Where then I know my bills are paid and I do n't get the overdraft fees charged on me. Ive been going and calling since XXXX XXXX. The Branch on XXXX XXXX, XXXX PA did n't do nothing to help me. The phone calls on XXXX made the Santander Mortgage sent me a document where they charged me {$10.00} to change the date of the automated payment from XX/XX/XXXX to XX/XX/XXXX. this form later I learned that it needed to be received, singed and sent every month. And so I continue visiting the branch to change this hassle. and no one helped. I received the letter to change the automated deduction on XX/XX/XXXX and I signed and sent it with the check. {$10.00}. Which I do n't know what I am paying that amount yet. And the mortgage still deducted my mortgage payment on the XXXX. this made my account to be overdraft again and now I have been " hit '' with a {$70.00} fees. When I went to the branch I talked to XXXX XXXX, to see if she can help me in the beginning of XXXX XXXX and she went on the phone to call the mortgage but she was helping other people at the same time and walked out I did n't knew if we were done talking or not, so I waited and then left.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I did not open this credit card account and have informed the bank and submitted a police report and documentation requested by Santander Bank to that effect and submitted a dispute to transunion credit agency, but they continue to call me at work and home at all hours of the day and night. On XXXX/XXXX/2015 XXXX from Santander bank called at XXXX XXXX pst, and this has happened more than XXXX!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-02-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
My XXXX/XXXX/XXXX statement from Macy 's credit card indicated that my New Balance due was {$280.00} and this was due by XXXX/XXXX/XXXX. I paid the entire New Balance on XXXX/XXXX/XXXX. I was issued another statement on XXXX/XXXX/XXXX. This statement indicated that I was charged interest of {$4.00} ; however, I paid the previous balance in full before the due date. On the second page of my credit card bill for XXXX/XXXX/XXXX, the second sentence under " How to avoid paying interest on purchases '' explicitly says " We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. '' While this may not seem like a lot of money, I realized that this has happened to me in the past with the Macy 's credit card. Additionally, it makes me think that they are doing this to all of their customers. I have never had a credit card that still charges interest after I have paid the balance in full and on time. 

I called Macy 's and was explained that because I had a previous balance from my XXXX/XXXX/XXXX statement of {$91.00}, in which I was charged interest of {$2.00} in the XXXX/XXXX/XXXX statement, I was charged interest of {$4.00} in my XXXX/XXXX/XXXX statement. Their explanation to this interest charge was based on a note indicated in their XXXX/XXXX/XXXX statement. It is a long, difficult to follow note that I would be happy to supply upon request. Regardless, I am not familiar with consumer credit rules ; however, as stated previously, I am concerned that a credit card company is charging interest after balances are paid in full and on time, as this is something that I have not experienced with other creditors. 

I did not become aware of this extra interest fee until my XXXX/XXXX/XXXX statement arrived and the balance was {$6.00}. When I called Macy 's they indicated that this amount would be credited back to me, and the new balance would be XXXX dollars. While this issue was resolved, I still feel that it is something that warrants additionally concerns since this is likely happening to thousands of consumers.

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 monetary relief
Consumer complaint received 2016-07-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a loan at my local credit union ( RBCU ) in MN. They provided me with a standard Equifax credit report. XXXX notified me that my name was under collections with XXXX XXXX ( {$120.00} ). I have never used century link in my life. I spoke with XXXX XXXX XXXX XXXX. They were unable to find ANY sort of credentials in their system. ( Again, i have NEVER used their services. ) They mentioned I would have to contact the collections agency from XXXX. Due to the fact that I have never used services with them, I could not provide an account number, nor a collections agency name.

Company response to consumer: Closed with explanation