BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-25
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had  a 5 yr, CD with the Susquehanna Bank   XXXX   branch. Last year the bank was bought out by BBT bank. They changed my CD into a checking account. I never was told that was going to happen and when the statements came in the mail I noticed that the interest posted was much less I called to inquire about the changes. They told me that they had changed my CD was now a checking account. I had never been sent any checks, so again I had no clue this had been done. My former CD was paying around 2.5 % and now I have been getting .80 % I never complained to the bank, but this has been a burning question on my mind as to this was legal. I had signed a 5 yr. contract and I feel they had no right to change the terms. I do n't know how many people got burned by this, but Susquehanna was paying the highest rates in the area. I can not afford to hire a lawyer and I do n't know if this is illegal, but they did break my contract without consent.

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 2021-05-19
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX : Received email from Discover regarding " Earn a {$45.00} statement credit this holiday season when you activate your offer and sign up for a new {$45.00} XXXX XXXX membership online or in club with your Discover card, nowXX/XX/XXXX. '' XX/XX/XXXX : Relevant purchase posted to credit card. 

XX/XX/XXXX : Contacted Discover customer support regarding statement credit not having posted. Escalated to a supervisor. Discover claimed I must not have met one of the conditions, but was unable to specify which one, and refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I received a collection attempt from Portfolio Recovery Assiciates ( dated XX/XX/19 ) about a debt I did not recognize. I sent certified mail asking for validation and verification of the debt. I received no communication from this collector until today where i received communication insinuating that i would be sued. I have all records of my certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block this account not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX  # XXXX Date Opened : XX/XX/XXXX Balance : {$46000.00}

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 2020-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not a duplicate complaint! This is a request of documents and information. This is a complaint because Capital One is not sending documentation and information on the account. 
I request method of payments on the account. Specifically, the methods of payments used that bounced. The bounced payments then afforded this person to continue using the card and allowed the credit limit to be exceeded. 
Please, I need method of payments, accounts used, name of these accounts, IP Address, etc. Please call if you do not understand. 
I have already sent sheriffs report, FTC identity theft reports etc., and your denial of fraud continues. The documents and information I am requesting will reflect a pattern, the identity of a person, and allow me to update the sheriffs report, and allow me to pursue. I have repeatedly requested this information and you are hurting and preventing me to establish the fraud. 
Again I ask, please call if you do not understand my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have spoken to somebody in the company called XXXX XXXX I have sent over fraud and police papers and have got nowhere. This loan is not mine and was open without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2020, I received a call from Mr . XXXX with Merchants Adjustment Services ( XXXX ) stating that I had 2 open accounts with XXXX XXXX XXXX and that if I did not pay it immediately, he would be filing that day to sue. I told him then that he could not threaten me unless he absolutely intended to take that action. After ending the call with him, I called back and spoke with XXXX, the receptionist. I told her that I was not to he contacted AT ALL via mail, email, or phone after that date. I then left a voicemail for the manager, XXXX XXXX which was never returned. Today, XX/XX/2020, I received another call from Mr . XXXX. I informed him that I requested no further contact and he started in on " Well while I've got you on the phone, why haven't you made an effort to pay this. '' I told him that was harassment. I then called and left another voicemail for Mrs. XXXX. Her assistant XXXX XXXX returned my call and informed me that all calls are recorded. I told her all of my issues and then SHE began attempting to collect on me instead of listening to my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We did not know this because XXXX XXXX did a lipstick remodel. In the utility room there were holes in the wall. I do not owe XXXX XXXX any money. The unit was inhabitable per law due to rodents as well as due to code violation ( piping should be made flush to walls ). They wanted to put rat poisening down and rat traps down while my XXXX XXXX XXXX son was in the apartment. I spoke to them and gave the keys back to the unit and cleaned the unit prior to vacating. I didn't know this was on my credit until 4 months ago. I have since lived in a luxury apartment and purchased a home that is now rented out. I am looking to have this item removed from my credit. 
The debt is with fair collections and outsourcing ( FCO ). I have photos to prove the conditions my family was living in. The amount requested for collections does not reflect rent it is much higher. ( Rent was {$800.00} a month at the time ). Please help me.

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 2017-05-25
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I prepared a letter to  XXXX   XXXX   XXXX  dated  XXXX   XXXX ,  2017 to complain  about the horrible treatment regarding a mortgage refinance. As of today I have not received a letter regarding my concern. Out refinance loan  was denied. However, we did not receive a letter indicating the reason for their decision. I am very disappointed in M & T Bank because they have not responded to my concern in my letter. We have a mortgage with M & T and we completed an application for a lower interest rate, thus a lower monthly payment. I am sadden by their treatment to me and my husband. I requested a letter from their mortgage section a letter of denial. As of today 's date we have not heard anymore from M & T B ank.

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 2022-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2021 2. Capital One XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Fraudulently reported account as collection. They are a debt buyer and are reporting a credit account original account XXXX, they have reported to my report after XXXX   accound was already reported as fraudulent XX/XX/2019 when first noticed. I have contacted the company 3 times to try and resolve this as they did not provide me the mandatory 30 days to dispute the account they went directly to the reporting. 
XXXX XXXX  refused to provide any information about the account, and was provided a FTC report stating not my account and they persisted for more personal information and stated they do not have to provide any information.

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 2016-02-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX, am the authorized third party for XXXX XXXX XXXX XXXX. I 'm helping him apply for a loan modification with Ocwen, his loan # is XXXX. Ocwen approved him for a HAMP tier 2 modification on XXXX/XXXX/XXXX which only lowered his payments by about {$400.00} per month which did n't help him make the payments more affordable. We sent Ocwen a letter the next day on XXXX/XXXX/XXXX stating that this modification did n't help them and they would like it to be closed out and reviewed for an in house modification to see if maybe there was a better modification offer for them. Ocwen then said it would take a few days to close it out and it was never closed out until XXXX/XXXX/XXXX. It took about a month to close it out after we sent them a letter and they received it saying it would be closed out any day now. We resubmitted updated documents at that time XX/XX/XXXX to be reviewed for an in house modification, when at that point Ocwen then again approved it for a HAMP tier 2 on XXXX/XXXX/XXXX with identical payments which again did n't help the borrower. I have now sent them a letter asking them AGAIN to close out the review and review XXXX for an in house modification and they keep saying the same thing again saying, give us a few days and call back and it will be closed out and nothing is being done to close out the HAMP tier 2 approval and review him for an in house modification. This is XXXX 's last hope to save his home, if they can offer him a lower payment with an in house modification he can keep his home and I 've seen very great in house modifications with Ocwen so I know it 's possible but they keep dragging their feet and XXXX keeps falling further and further behind. If you can please help XXXX 's family out by having Ocwen expedite the process by closing out the HAMP tier 2 and reviewing him for an in house modification this would make a huge difference in their lives, they do not want to let go of their family 's home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have Been a Victim of Identity Theft I did Not Authorize any of theses Account This Is Fraud and something needs to be done About This

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 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have Been a Victim of Identity Theft I did Not Authorize any of theses Account This Is Fraud and something needs to be done About This

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 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fruad alerts have been placed on my bureau reports and I did not authorize them and have looked over all bureau reports there is no fraud I want all fraud Statements taking off all of my reports

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 2018-08-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This complaint is linked to complaint # XXXX about WELLS FARGO BANK. I received a written letter from Wells Fargo regarding my original complaint number assuring me I would have the {$200.00} checking account bonus deposited into my checking account by XX/XX/18. I also spoke with the XXXX, New York bank manager. He contacted the " resolution '' team who promised that the {$200.00} bonus would be deposited into my checking account by close of business XX/XX/18. 

Apparently, the " resolution '' team does not honor its promises and WELLS FARGO does not comply with its own agreement. 

WELLS FARGO is guilty of unfair business practices that need to be stopped. They promise bonus money to get more customers to make their " numbers '' look good..but they do not honor their agreements. I just want the {$200.00} checking account bonus money I am entitled to.

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 2015-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted by a Law firm by a man named XXXX XXXX, stating they were from XXXX and XXXX Law Firm and they stated I was being sued by Bank of America. I told them the debt was not mine and that it was opened in my name when I was XXXX or XXXX years old by my parent. He stated that we could settle the debt for {$1500.00} if I paid now with XXXX percent down to avoid going to court or we can make monthly payments of {$150.00} and pay a balance of {$3100.00}. I told him I would call him back after speaking to my parent. I then contacted Bank of America and spoke with a representative. She stated that there was no one from Bank of America that was suing me and that they sold the debt to a company called XXXX XXXX. She told me it was sold in XXXX 2009 for the amount of {$1500.00} and that again, there was nothing in her records that said that Bank of America is suing me. I read on the statute of limitations in the state of XXXX and XXXX that I can not be sued for this because this is an open-end credit card and the statute of limitations has ran out. I feel harassed by this company for using scare tactics to collect a debt that I feel is not mine and harassing my other family members by calling them multiple times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sears has an old debt reporting on my credit that was paid off in XX/XX/XXXX from back in XX/XX/XXXXand l used a consolidation service to pay off all debts. Sears agreed to a settlement of the account and we paid the amount but now they are saying I had another account which I did not. Now from my understanding from being on the phone with them for many hours, is the account is too old to do anything but send a check to an address and they will not accept the settlement letters or remove it from my credit. Please help me remove this from my credit.

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 2022-08-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My foreclosure index # is XXXX I have requested several times to Well 's Fargo to get a exact payoff amount on my loan. They have refused, I was refered to there law firm representing them in foreclosure action. I was told by Well 's Fargo they would provide me with exact amount of total loan payoff, including money owed along with all legal fees attached and any penalty monies due. The law firm in the action which is in New York state is the XXXX XXXX firm in New York. Neither the law firm or Well 's Fargo will give me the exact payoff amount. I have been in active negotiations to settle this case for far to long, but neither Well 's Fargo and especially XXXX XXXX firm have negotiated in good faith at all. The atorney representing the bank is XXXX XXXX there main office number is ( XXXX ) XXXX - XXXX XXXX XXXX XXXX, New York. As I understand the law I am entitled to a total payoff amount any time I ask for it.

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 2015-04-29
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing a complaint due to the issue of my mortgage bank being uncooperative with me in order to settle up on my payments and avoid foreclosure on my home. Fives years ago the co-owner and I split up and he left the home. He cut all ties financially with me and quit his job making it difficult for me to keep up on payments. I applied for a hardship program through XXXX a little over a year after we split. But it still was difficult and eventually I was unable to make payments and provide for my children. Last year my mortgage was bought out by Caliber Home Loans. They sent me a payment agreement consisting of interest only payment with escrowed insurance and taxes. I was interested in this of course. When I contacted them they informed me that the co-owner had to sign the agreement also. I informed them of my situation and they still would not work with just me on saving my home. Because myself and co-owner were not married there was no distribution of property when the relationship was dissolved. I was left with all the bills and providing for the child we have in common. Again two weeks ago on XXXX XXXX I contacted them concerning the possible foreclosure and my application of loss mitigation. I provided them with everything I could. The only document they were missing and required was a signed letter from the co-owner stating he would sign the modification. Which they were well aware of in my application letter that he refused to do due to going through family issues concerning child support. With all this information I believe that Caliber should assist me without the consent of the co-owner as I am the one still living in the home and paying the bills. The ending result as of XXXX XXXX the courts have granted the bank counsels motion to appoint a referee and grant a judgment of foreclosure. I do not want to lose my home that I share with my children. The only home my son, the child we share, has ever lived in.

Company response to consumer: Closed with explanation