BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-13
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Ever since I did my home modification with this finance institution its been problem after problem. 
1. After settled and signed loan documents with a fixed %, the account manager called me that they made a mistake on the calculations and now they have to increase the %. At that time I accepted, I did n't know that was illegal. 
2. I shopped around for insurance, do my inspection. The escrow department decided that my house was not house and I did n't need the insurance. But, no one tell me that. I had a claim on XXXX 2015 called an adjuster, and they told me that I did n't insurance. 
I called the bank, and after many calls they handled the claim through their insurance. 
3. The insurance finally paid. I summited that an estimate from my General Contractor, they sent a check for XXXX % of the estimate. Later when the job was almost done they sent an inspector that took 3 weeks to get back to the bank to said now that I have only completed XXXX % of the work. The problem is that I lost track of many calls and emails send in order to get the result of this inspection, and now they come and say this. This is unacceptable. 
Last Thursday after many calls with them I got into a crash, XXXX. XXXX. 
This has affected me in so many ways, health, economy, etc. 
I hope you can help or help other customer. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PNC CONTINUES TO PLAY GAMES AND NOT COMPLY. THEY HAVE DENIED THE CLIENT ON XX/XX/XXXX FOR THE HAMP WHEN IT WAS STILL IN PLACE STATING THEY DIDNT HAVE A COMPLETE PACKAGE. WE ENTERED AN AGREED SALE DATE WITH XXXX XXXX OLD ATTORNEY FOR THE BANK XX/XX/XXXX TO BE HELD IN 20 DAYS OF COURT DATE BANK AND ATTORNEY WHERE NOT AVAILABLE TO EVEN SEND US A RESPONSE TO A DATE. TILL XX/XX/XXXX AT WITCH TIME THE PRIVATE MEDIATOR THAT THE DEFENDANT IS PAYING FOR WERE OUT ON VACATION FOR THAT WEEK. AFTER THAT, THEY WOULD NOT AGREEE TO A MEDIATION DO TO THE FACT THE TIME HAD EXPIRED ON COURT ORDER. AND TODAY XXXX I RECIEVE A DENIAL LETTER OF XXXX 2016 THAT WE HAD NOT SUBMITTED A COMPLETE PACKAGE. THEY HAVE ALSO CHANGED LAW FIRMS TO XXXX. HEAD ATTORNEY IS XXXX XXXX PHONE NUMBER XXXX. NOW THIS ATTORNEY AND LAW FIRM HAVE NO IDEA OF WHATS BEEN GOING ON FOR THE LAST 3 YEARS WITH THIS BANK. THIS IS MY CLIENTS PRIMARY HOME AND HE HAS BEEN STRUGGLING TO KEEP IT AND THE BANK CONTINUES TO PLAY GAMES WITH OUR CLIENTS HOME. ISPOKE TO XXXX FROM PNC TODAY ID DVK AND WAS TOLD THEY CANT DO ANYTHING FOR THE CLIENT CAUSE THE HAMP PROGRAM IS NO LONGER VALID. WE HAD A FIRST COMPLAINT # XXXX WE REALLY NEED YOUR ASSISTANCE IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. 
The following items need to be removed as they are fraudulent. 

XXXX COLLECTION : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX COLLECTION : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$390.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$470.00} INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: CITIBANK, N.A.
State: GA
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 reached out to XXXX XXXX XXXX XX/XX/XXXX, I advised XXXX XXXX Bank I haven't applied for any products or services with their company, they advised myself to reach out to Credit Bureaus and it would be removed. 
I contacted XXXX, I advised XXXX that I haven't authorized anyone to performed a credit check on my credit report, XXXX advised I call XXXX XXXX Bank, I explained to XXXX, I contacted XXXX XXXX Bank once again.They advised I submit this request in writing, so I sent XXXX a certified letter XX/XX/XXXX, XXXX received the letter XX/XX/XXXX, but is stating they haven't. 
XXXX is refusing to remove this inquiry from my credit report and XXXX has violated my rights as a consumer. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting

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 2017-03-24
Company: USI Solutions Inc.
State: OK
Product: Payday loan
Issue: Can't contact lender

Complaint:
I get robo calls from XXXX USI Solutions , Inc. to my phone XXXX at least several time per week. I am on the do not robo call list. They say they are a dbt collector. I phoned them once on XX/XX/2017 and asked for documentation and gave them my XXXX, XXXX, OK XXXX address and gave them verbally 30 days to respond. I told them to stop calling until I got the documentation at which time I would call them. I have never received the documentation. They have continued calling throughout the relevant time period. When I try to call them I get no answer. I have tried repeatedly to call them and there is never any answer. Please help me to stop this harassment on my business phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 TRANSUNION : INQUIRIES : XXXX XX/XX/2022 XXXX PERSONAL INFORMATION : EMPLOYER XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint against XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022 citing XXXX due to, myself received a letter from XXXX XX/XX/2022 stating they did find " '' PUBLIC RECORDS '' in 30 day time frame jthat was required of XXXX and removed " PUBLIC RECORDS '' from my XXXX credit report. 
I received a second letter from XXXX XXXX XX/XX/2022 stating they reached out to XXXX requesting they remove " PUBLIC RECORDS '' from my credit report. XXXX has refused. 
XXXX has refused to removed " PUBLIC RECORDS '' stating they ( XXXX ) received a report from XXXX " PUBLIC RECORDS '' is to remain the same and it will not be removed. 
XXXX has advised myself they ( XXXX ) received they " PUBLIC RECORDS '' from XXXX. It's been a back and forth battle with XXXX not removing the " PUBLIC RECORDS. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
After being injured XXXX on the job, I went back to school and my mom co-signed on private student loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had no problem paying the monthly bills until my mom died last year, 2014. I wrote to AES/NCT repeatedly, contacted the original lender, XXXX, paid every amount third party collection agencies, such as XXXX, XXXX, asked. AES/NCT refused to extend a reduced payment plan that enabled me to pay my rent, bills, buy food, and pay AES. They said NCT refused ; however, when asked, AES said NCT does not hold the original loans, they do. They referred to NCT as the lender. I contacted XXXX XXXX ( CEO ) of AES and XXXX XXXX ( CEO ) of XXXX. So far, AES/NCT is refusing to deal with XXXX ( even though I have given my permission to speak with their Liaison ). They did not have a third party collection agency contact me about loan sequence XXXX and it went into default. I am not employed. I am a XXXX candidate just months away from completing my dissertation and they will not work with me and let me pay what I can afford. I am XXXX years old and so far, have been able to keep everything current until now. Because of the default, I can no longer get a XXXX loan to complete my degree and AES/NCT keep giving me the runaround but will not reduce payments to what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a postcard mailing from SunTrust stating that I had selected ( opted in to ) overdraft coverage for my checking account ; I made no such selection, and had specifically refused overdraft coverage/protection when I opened my accounts. I spoke with a call center worker who corrected my selection to decline overdraft coverage/protection, but neither he nor a branch employee were able to say when or how my preference had been changed without my consent. Changes to my accounts - especially changes that cost me money and produce profits for the bank - should not be made without my consent, and there should be accountability when changes are made so that mistakes can be corrected, broken processes repaired, and malfeasance detected and sanctioned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

TRANSUNION INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$240.00} UXXXX XXXXXXXX Balance {$110.00} INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : 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 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 2017-05-01
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On  XXXX   XXXX     2016 I ca lled century link to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called century link and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.

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 2022-05-28
Company: AMERICAN EXPRESS COMPANY
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:
Please be advised I contacted XXXX XXXX via phone XX/XX/2022, also followed up XX/XX/2022 via certified letter advising XXXX XXXX I haven't autorized anyone from XXXX XXXX access to my credit report they advised myself that they would correct the issue as of XX/XX/2022 this item is currently on my credit report. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
No information is ever given and no message left. They repeatedly call multiple times a day frim different numbers all showing under portfolio recovery and hang-up. I am registered on the do not call registry and the repeat calls are seriously annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX is trying to collect a debt that is not owed. I never had this company as a debtor. I tried contacting XXXX XXXX and they do not have the correct identifying information. Please remove from my credit bureau. Thanks

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 2016-08-29
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was scammed and defrauded by a college called XXXX. 
This corporation was a satellite school that originated in XXXX, XXXX. 
There were XXXX satellite colleges.One in XXXX, XXXX, one in XXXX, one in XXXX, XXXX, and I went to one in XXXX XXXX, XXXX. I was a student from XXXX and XXXX. 
In XXXX it collapsed. There is NO XXXX XXXX XXXX. It was absorbed by the XXXX which is the capital of XXXX I pursued a XXXX XXXX called XXXX XXXX XXXX in XXXX. ( XXXX ) This is a degree that can not be used. Therefore I have been defrauded of major money. 
This organization has charged me XXXX dollars at Federal Loan Services. 
In XXXX, the institution eliminated job assistance and placement office. 
The former president of XXXX is XXXX XXXX who was discharged in a scandal. I am asking for your help to investigate this scam and advise others of " buyer be aware ''. The large amount of FedLoans has been in the news in a very bad light. 
Please help with any and all points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: SUNTRUST BANKS, INC.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Paid my Suntrust credit card in full and on time. Suntrust says is was late and fined {$20.00}. Contacted Suntrust to disagree and spoke to several supervisors about issue. Fee became larger and larger to {$180.00}. Then had this reported against my credit, which no supervisor ever mentioned. Have now paid {$180.00} ( which was reduced to {$110.00} with credits from collection agency ) in full but still have credit issue. Credit score was 845 before Suntrust debacle over {$20.00}.

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 explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN COLLECTION : XXXX XXXX-REPORTED Balance {$240.00} XXXX XXXX-REPORTED Balance {$110.00} INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : 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 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 2022-05-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX COLLECTION : XXXX XXXX-REPORTED Balance {$240.00} XXXX XXXX-REPORTED Balance {$110.00} INQUIRIES : CXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INQUIRIES : 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 2015-10-13
Company: SUNTRUST BANKS, INC.
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I started a SunTrust bank checking account online on XXXX/XXXX/2015. I was able to access the online portion and got my account and routing numbers so I could direct deposit my paycheck. When I checked back a few days later, I could n't access the online banking. I called SunTrust, and they said they could n't verify my identity, so I could n't get online banking until they sent me a verification card to my address, that I would sign and mail back. After a few weeks, I still had not received the verification card, so I called back, and SunTrust informed me that my account was closed for " rules violations '', although they would not tell me what rules I violated. They gave me no warning that my account was about to be closed, or anything I could do to keep it open. They said the account would be closed and I would be sent a check. A few weeks after that, I receive a statement for my account, which I thought was closed. I called again ( XXXX/XXXX/15 ), and SunTrust informed me that my account was still in review to be closed, and I would not receive the paycheck I had deposited until the review was done. They could not give a time frame for the review to be done. I opened this account with a promotion, in which if I deposited over {$2000.00} I would receive {$200.00}, and I believe that because I was very close to achieving the promotional balance, they closed my account. Now they are refusing to send me back my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief