BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
IN XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) I 'm requesting a payment hx from XXXX to verify the DOFD reported on my credit file ... the date of XX/XX/XXXX is incorrect

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 2017-04-27
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I 'm currently the POA of my father that 's in a assisted living memory care unit here is GA, and he has  XXXX  /  XXXX   XXXX  issues. Since  XXXX   XXXX  last year I 've tried to close this account due to his health issues and I 've been able to close credit cards with  XXXX  and  XXXX   XXXX   XXXX  . AAA member services was sent a copy of the financial POA in order for me to close this account. I then receive letter dated  XXXX / XXXX / XXXX  requesting my SSN and DOB in order to add me on account. After numerous phone calls from  XXXX   XXXX , through this past  XXXX   XXXX  they still want my information. They asked if my father could add me, and I said no he does n't even know what day it is let alone time. I also informed them of his condition of  XXXX  and  XXXX   XXXX  which they still insisted policy required me to submit information. All I want to do is close this account, and be done with  AAA  Credit Card. I hope you all can assist me in closing this, and I do n't understand when the other credit cards companies where fine in what I sent and understood my situation.

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 2017-08-15
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a payday loan with Big Picture Loans. I can not pay this loan in accordance with the terms of the loan. I contacted a credit counselor under the law in Florida which states : Grace period. The law provides you with a 60-day grace period if you are unable to pay back the loan upon the expiration of the contract term. But to take advantage of this you must : ( 1 ) make an appointment with a credit counseling agency within seven days of the original due date, and ( 2 ) complete the credit counseling within the 60-day grace period. If the credit counseling agency recommends a repayment plan, you may repay the debt in  accordance with the plan without incurring additional fees or costs. I completed this. The company emailed Big Picture proof of same. Big Picture immediately placed my loan in a " past due '' status even though my payment is not due until tomorrow. They refuse to speak with me. They have already collected over {$900.00} in interest with {$0.00} applied to the loan itself. I have since learned that these types of loans are prohibited in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax breach : I used the website to see if I was impacted. I was later informed that the website makes up results. I have not been notified to determine if I was the victim of the breach. I am also concerned about opting into Equifax 's " Trusted ID '' as there may be an arbitration clause I have to sign to get protection. This behavior is unacceptable and such companies should be punished for their lax security and ineffective security and notification measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I and my husband are victims of wrongful foreclosure filed by The Bank of New York Mellon acting as Trustee for XXXX XXXX XXXX. 

On XX/XX/XXXX we signed a Mortgage Contract with XXXX XXXX XXXX , XXXX, who in XX/XX/XXXX was purchased by XXXX XXXX XXXX. According to the mortgage agreement, the lender was XXXX ; and XXXX was named as a mortgagee. Based on XXXX website, our loan has inactive status with XXXX and the Servicer is XXXX XXXX XXXX. 

On XX/XX/XXXX, or more than 10 years after we signed loan agreement with XXXX XXXX XXXX, the Bank of New York Mellon filed a foreclosure case acting as Trustee for XXXX XXXX XXXX. In support of this complaint Bank of New York attached a copy of the Note which has a stamp signature of XXXX XXXX XXXX, a well-known robo-signer and former managing Director who does not work for XXXX since XX/XX/XXXX. The Note was accompanied by purported " chain of endorsement '' signed by well-known robo-signer XXXX XXXX, XXXX " Vice President ''. 

In XX/XX/XXXX Bank of New York already tried to file a foreclosure case against our family, XXXX, but was not able to provide any documents. 

In XX/XX/XXXX case Bank of New York Mellon recorded an Assignment from XXXX to Bank of New York. In XX/XX/XXXX case the second page from XX/XX/XXXX Assignment of Mortgage was used as purported " chain of endorsement '' to our Note signed in XX/XX/XXXX. 

When we tried to contact Bank of New York Mellon and their Servicer, XXXX XXXX XXXX XXXX, to request copies of original Note with full chain of assignment, they failed to provide us this documents, as well as prove that our loan was a part of XXXX XXXX XXXX. 

In XX/XX/XXXX XXXX created at least XXXX XXXX, each worth billions of mortgages. Here are no single documents in support that our loan was part of XXXX XXXX and not any other Trust. 

Moreover, Statute of Limitation already passed to collect anything on this loan long time ago under all applicable laws. Furthermore, XXXX can not accept any securities transfers after 90 days from its closing day, which was no later than XX/XX/XXXX. 

When we asked Bank of New York Mellon and their Servicer, XXXX XXXX XXXX XXXX to validate payment amounts, they always sent me completely different amounts and were not able to explain how it was calculated.

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 2017-10-11
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX my Husband passed away XXXX-XXXX-12 and had a loan with BB & T Bank for XXXX i went to the bank when he passed away a took the right papers and XXXX certificate. the teller told me to just contiue to make the payments. He did not ask for a Executor of estate. just make payments so i did but i missed 3 payments over the five yrs due to takeing out a loan to put a roof on the house and gutters to keep the basment from flooding and a hot water heater .over the yrs and i work for XXXX . that 's saying a lot. but for me it has been a struggle but i have gotten the loan down to XXXX pluse know they say i owe for miss payments i tried to go in and make a payment but they would not take my payment back in XXXX they ask me to get so the executor of estate but know they what me to finish paying the loan off and the taxes and insurance on the loan. my husband had credit cards and he put windows in the house that he was paying for and they wrote that off when i sent them the XXXX certificate .And my name was not on that loan.but they wrote them off. and i did get the exector of estate my husband had nothing in his estate .he XXXX suddenly, the bank loss the paper that i gave the 5yrs ago. our house was already paid off.

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 2017-02-11
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a phone call from Synchrony Bank. The bank claims I did n't pay my bill payment of {$25.00} towards my Amazon store card for the months of XXXX and XXXX. I have a automated online bill payment, with my bank XXXX XXXX XXXX, that I use to make payments towards my Amazon store card each month. I contacted my bank XXXX XXXX XXXX with this issue, and my bank provided me with a bank statement that shows that I paid my bill during XXXX. There 's a inaccurate amount of {$63.00} dollars in late bill payments that Synchrony bank is claiming I owe.

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 2023-07-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: WELLS FARGO & COMPANY
State: UT
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:
In XXXX, I got a loan with Wells Fargo a XXXX student loan it was XXXX paid out in XXXX XXXX and XXXX split in half. This covered XXXX units. 
The finance charge was {$24000.00} interest XXXX. 
They will or have gotten a total amount of XXXX triple the loan amount. 
I need help please!!!!!! 
I went into the XXXX XXXX XXXX in XXXX got the loan interest down to the XXXX XXXX  during my XXXX XXXX time until XXXX under the XXXX XXXX XXXX XXXX, I got the deferred for school on other occasions. 
Its XXXX I still over XXXX. My parents co-signed. My parents filed bankruptcy in XXXX in XXXX my step father passed away. When I got out of the military I called Wells Fargo begged pleaded to get help. Im now a single mother, working for XXXX XXXX as civilian. I still have this debt on me should. XXXX years later. I have attached all the documents I could find. 
This is insane. I wrote my XXXX in California in XXXX there was nothing they could do. In XXXX XXXX, I went bankrupt of the course the loan was not part of that since a XXXX student loan. Please help me I want my money back. They have made their money and now it looks like they did stuff with my credit I got another note as did my mom dated XXXX XXXX XXXX. 
Thank you. 
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 2016-01-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Yes I want to file a complaint because equifax every time a credit pulls my credit equifax will not generate a report and I am turned down because of their incorrect database showing me non existing. I spoke with their call center in XXXX not XXXX ga they asked to provide a copy of my drivers license social security card and utility bill which I have mailed them in over 8 months ago still they have not added me to their database at age XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company XXXX charged me for this month. Was told I would have to wait over 30 days to refund my money. Was told due to a system upgrade. This payment came out of my checking account as a direct payment. leaves me with XXXX left for the rest of the month. I have other bills direct debit that will be returned plus XXXX fees on top of it I will get plus late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting XXXX XXXX XXXX office because as an XXXX they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that XXXX XXXX XXXX has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed  four  accounts wit h Capital One  with the  3  major credit reporting agencies. The results of the dispute was that the accounts from  Capital One w ere removed  XXXX  file number  XXXX ,   XXXX   #  XXXX  and  XXXX  #  XXXX . The  Capital One  accounts were removed. However, beginning in   XXXX   XXXX     a new company called  XXXX   XXXX ,  XXXX  began collections on the removed accounts. The accounts were already removed by  Capital One  and should not be reflected by a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: GREAT LAKES
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I applied for XXXX loan forgiveness two years ago and was denied. I was upset and let it be for awhile. This summer ( two years later ) I looked back into XXXX loan forgiveness and called the loan provider. We figured out that I was denied because of a misspelling of my schools name on the XXXX XXXX. My loan provider told me to reapply with the misspelled name and about a month later I was granted XXXX loan forgiveness! So I, myself, did indeed meet the criteria to have my loans forgiven two years ago. I have been trying to get reimbursed for the two years I was wrongfully paying. The loan provider did a ombudsmen report and says they will not reimburse me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XX/XX/2016 TD Auto Finance pulled a hard inquiry on my XXXX Consumer Credit File. I did not authorize them to pull a credit report from XXXX. I was also reassured by XXXX this would not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
My credit report showed I owed Certegy {$200.00} from a check written on XXXX/XXXX/XXXX to XXXX. I contacted them and they said my bank did n't pay due to NSF. I contacted my bank and they said to dispute it because I had money at the time and overdraft protection. When I disputed, they ( Certegy ) figured out someone had keyed in the wrong bank account. I agreed to pay the check but they could not tell me who to pay it to. They said they sent the check to XXXX XXXX. XXXX XXXX said they returned it on XXXX/XXXX/XXXX because they did n't send an image of the check. I submitted an inquiry and they returned a letter saying that Complete Payment Recovery Services had the claim now. I contacted CPRS and they said they sent it to XXXX XXXX. I contacted XXXX XXXX again and they said they sent it back to Certegy. When I contacted Certegy again to see who I needed to pay they said they would mail me information. I never received it so I called back on XXXX/XXXX/XXXX and they told me to call CPRS. CPRS told me to call XXXX XXXX, XXXX XXXX told me to call XXXX. XXXX checked in all XXXX of their data bases and there was no references to this claim and call XXXX back. I spoke with XXXX at XXXX XXXX and then XXXX who said she sent it back to Certegy and would send it again today. I waited a couple of hours and called Certegy back and they said I needed to call CPRS. I explained I had called them already and had been sent to XXXX XXXX and now back to them. They ( : XXXX ) stated she did n't see any notes that I had talked to CPRS and I would need to contact them again. I did and spoke with another lady and she said she would send an email to XXXX XXXX. I called XXXX back and they said they do n't have my claim. It has almost been XXXX months and I 'm in the process of trying to buy a house and this is holding up the final paperwork. Nobody can tell me who to pay and keeps telling me that another company has it. Customer service from Certegy has not been helpful and keeps putting it off on other companys.

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 2015-05-21
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Iwas divorced XX/XX/XXXX, i relinquished the property in XXXX, pa to my husband at the timewhich is described the divorce agreement in explicitly in my divorce documents and i signed the deed to property over in the office of. XXXX XXXX ago i was made aware I am still on the deed in XX/XX/XXXX.2 yearsago i was made aware i am still on the deed to this property.this property is in forclosure .the owner XXXX XXXX is XXXX and I am the owner of record.I have been trying to get ttorney XXXX to rectify this situation and he has refused to have any contact with me and I have been unsuccessful in getting other legal council.In XX/XX/XXXX a judgement was filed and still unable to get a response from attorney XXXX. My complaint is neglegence on Attorney XXXX and help to resolve this delema. 
SincerelyXXXX XXXX Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 've tried disputing a couple of fraudulent accounts on my credit report, and th e Bureau has taken some of it off but only the collection things. I 've sent letters to the collection   agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken  off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I did file though as requested by the credit bureaus. They still ignore us. I hope that this credit bureau gets fined or punished somehow.

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