BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the below account is prohibited by law to publish on any credit reporting agency. 
I came to learned of XXXX XXXX  XXXX XXXX account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number : XXXX to show that my complaint was logged this time. I was also told that they will contact me within XXXX business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person ( s ) who committed the fraud but XXXX  XXXX XXXX made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit report. 
Experian continues to violate my rights by reporting this inaccurate account to my credit device.

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 2022-04-15
Company: Experian Information Solutions Inc.
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:
I have credit inquires on my credit report that I did not authorize on my Experian report. 
Inquiries : XXXX XXXX XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX  XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21

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 2017-01-31
Company: U.S. BANCORP
State: IN
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I received a gift card for XXXX XXXX for {$150.00}. It is a XXXX XXXX XXXX with US Bank National Association. I activated the card at XXXX and there was {$150.00}. This was XXXX of XXXX. I have made no purchases on this gift card. When I went to check the balance today it says there is a {$0.00} balance. I called customer service and was told the card was used twice in XXXX. I did not use this card and ask how I can file a dispute and was told that although they can tell me when transactions took place, they can not tell me what the amounts were nor what the original amount placed on the card. I did a bit a research and found this website. If there is any way I can possible recoup my gift card it would mean a great deal to me. This was a gift from my children and I do not have a receipt. I ask the customer service person for a transcript or an itemized list of the charges on the gift card and was told they could n't do that.

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 2018-03-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hi, good afternoon I am reporting an interest increase without notice and interest change too high, you will see when I send you the copies of the statement

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 2021-09-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2021, I applied for and locked a rate of 2.99 %, on a refinance mortgage loan for my property located in XXXX, CA. 

On or about XXXX XX/XX/2021, I received a Notice of Servicing Transfer from the current servicer ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; ph. XXXX ). The correspondence indicated that servicing of the loan would transfer to Shellpoint Mortgage Servicing ( XXXX XXXX XXXX, XXXX, SC XXXX ; ph. XXXX ), effective XXXX XX/XX/2021. 

On XXXX XX/XX/2021, in response to a request from my refinance mortgage broker, I contacted Shellpoint seeking information ( loan number, payoff amount, payoff address, etc. ) on the transferred loan for the property in XXXX. I was informed that no record of a loan for that property existed in the system. I was advised to wait a few days before rechecking. Also on XXXX XXXX, I also contacted XXXX XXXX, which confirmed that the loan transferred ( in now closed ) and that the balance owed was {$0.00}. XXXX XXXX was unable to provide any information on the Shellpoint loan. 

On XXXX XX/XX/2021, I placed another call to Shellpoint seeking information on the loan. Again, I was informed that no record of a loan for the property in XXXX existed. The representative suggested that that a new loan could take up to 60 days to show up. They also provided an email ( XXXX ) where I could seek additional assistance. I sent an email to the address on XXXX XX/XX/2021, seeking urgent assistance in locating the loan so that the payoff information could be provided to the refinance broker. 

As of XXXX XXXX ( 27 days after the loan purportedly transferred ), I have not received any response or written communication from Shellpoint, violating 21 CFR 1024.33 ( b ) ( 3 ) ( i ) of Regulation X. As the payee and payoff of the loan can not be determined, I am unable to proceed with the refinance of this property. The rate lock ( which is at a lower rate compared to the existing loan ) is expiring within 2 days, and based on current market conditions I will not be able to relock at the same rate. When the lock expires, the lack of compliance on the part of Shellpoint will have resulted in monetary damages, from the incurred costs associated with the refinance loan, as well as the missed savings based on the difference in loan rates. 

I am seeking assistance of CFPB in resolving this matter with Shellpoint to locate my loan number, payoff amount, and payoff address.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I received several alerts from XXXX that I had several new inquiries on my Trans Union credit report however, I had not made any inquiries. So, I contacted Trans Union and spoke to representative XXXX and then her supervisor XXXX/XXXX who both admitted to me that they were aware of a system issue that was causing this and they are currently investigating this issue but do not have a timeline on when it would be fixed, however, they denied to remove the negative inquiries from my report. They are fully aware that they have system issues and that they are illegally adding credit inquires to individual 's reports but refuse to correct their mistakes. I would like the credit inquiries removed immediately in which some are showing 2 or more times. The illegally added inquiries are as follows : XXXX - REMOVED AND ADDED 3 TIMES XXXX XXXX - REMOVED AND ADDED BACK 3 TIMES XXXX - REMOVED AND ADDED BACK 7 TIMES XXXX - REMOVED AND ADDED BACK 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union has admitted wrongdoing but refuses to correct the issue that their system has caused.

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 2021-09-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX  XXXX, XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : DEPTEDXXXX-XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance XXXX XXXX Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance XXXX XXXX Opened : XX/XX/XXXX DEPTEDXXXXXXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: EVERBANK, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have been attempting to refinance my mortgage with Everbank. I currently have my mortgage with them. My loan has been approved and we have been waiting on them to close. 

The issues are such ; 1 ) They lied to me pertaining to the amount of my closing credit. I have disclosures and an email from them with one number. Unfortunately, they are trying to push it through via another number. I believe that this is due to the fact that they have taken so incredibly long to close, rates have gone up, and they do not want to pay for another rate lock extension. 

2 ) They do not return calls. XXXX XXXX and XXXX XXXX do not return calls. They do not keep me updated within the process and they frankly do not care about me at all. The way they have treated is not only disrespectful but further it has jeopardized my ability to refinance due to # 1 and # 3 below. 

3 ) The continue to have inaccurate info. I have told XXXX on occasions that my property insurance is with XXXX. He has neglected to correct this in the documents and settlement paperwork. Why this matters is because they are wanting me to come in with money for closing due to insurance being underfunded. However, they are basing this upon coverage that doesnt exist. They are pulling data from the wrong home owners insurance company ( XXXX XXXX ) rather than mine which is XXXX. 

4 ) Most importantly, they do not answer the phone. They dont return calls. And if you do magically speak with someone, they do not return your call to let you know if the issue has been resolved and also if they need info from you to resolve the matter. 

These employees in the XXXX office should not be allowed to do anything within the financial services field. It is just too important of work. 

The bank is Everbank. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received two emails on XX/XX/2021 from what appears to be from XXXX XXXX The emails contained order confirmation for XXXX XXXX XXXX XXXX. I thought this was a scam for two reason : first, I do not shop at XXXX XXXX for car maintenance needs and second, the email address ended XXXX which I have no idea what company that is. The emails also contained payment information for the Citizens One Line of Credit ( which I never applied for ). I marked both these emails as scam. About two hours after those initial emails, I received an email from what appears to be from Citizens One ( Citizens Financial Group, Citizens Bank, N.A. ). I again marked this email as spam as I never initiated these purchases or applied for a Citizens One Line of XXXX. On XX/XX/2021, the two XXXX consoles from those XXXX orders were delivered to my address. I immediately tried contacting XXXX but there was no apparent number to call regarding XXXX XXXX XXXX Purchases. I tried calling the many different Citizens One numbers but none connected me with a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I thought you should know that when I attempt to make additional principal payments on my mortgage, Mr. Cooper is automatically applying a portion of the payment to interest and escrow even though I am up to date on my payments. this forces the mortgagee to have to call in repeatedly to have it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX, we turned-over our XXXX XXXX XXXX to a XXXX dealership, in the process of participating in XXXX court-ordered buy-back of XXXX vehicles. That program provided for a cash-payment to us ( made, through XXXX Bank, via EFT ) and a settlement payment to the vehicle 's lien holder, SunTrust bank. Because the buy-back process was protracted, and because we were forced to continue to make payments on the loan in the interim between agreement with XXXX and the actual buy-back closing, the amount actually owed to SunTrust on the vehicle at the closing was substantially less than the amount due to SunTrust on the loan. Specifically, XXXX XXXX XXXX paid a total of {$1200.00} to settle our loan, when at that time only {$220.00} was actually due, in total, on the loan. After several subsequent inquiries to the bank about that payment, we have, finally, been advised that the remaining amount due on the loan of {$220.00} is shown as paid, and the loan is closed. However, the overpaid amount of {$990.00} has not been remitted to us, but is " scheduled '' to be paid, via check, on XXXX XXXX. In response to our request that the Bank explain the extraordinary delay in remitting payment to us, we were informed that the Bank had to ensure that the " funds cleared ''. 

Very simply, our complaint is that, by XXXX XXXX SunTrust Bank will have been in possession of {$990.00} in those very obviously overpaid funds for more than 30 days ... well in excess of any reasonably determined " fund-verification period '', and that they are, in fact, illegally and unreasonably delaying refund to us.

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 2021-09-27
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, Loan Number # XXXX serviced by Specialized Loan Servicing, LLC ( hereafter called SLS and corporately owned by XXXX XXXX XXXX XXXX Specialized Loan Servicing, LLC ) was paid in full by wire transfer. Forwarding address was provided at the time of payoff thru the Settlement Attorney. SLS claims to have sent a check to the former property and the forwarding address. 

An overpayment of in excess of {$650.00} was made and the refund ( as of this complaint ) has never been received. Many attempts have been made with SLS and without any follow up. Recent attempts include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Other calls have been made and can be research if needed. 

The reply given today is that the refund is too old for SLS to provide a refund but that they would continue to research the matter. Supervisors have been requested but are never available and the Corporate Office has an endless phone transfer system. 

Lenders and Servicers are required under both Federal Law ( 12 US Code Cite 2605 and 1024.17 Escrow Accounts ) and in the Commonwealth of Virginia ( Chapter # 16,6.2-1618 ) to refund escrows and provide a timely accounting. 

Help is needed to secure the overpayment and returned to the borrow without further delay. Also, the original recorded Release or Satisfaction of Mortgage was never received ( although a copy was provided by email ).

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 2021-09-27
Company: Plastiq Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been attempting to close my account with Plastiq ( XXXX XXXX XXXX ) since XX/XX/XXXX. They refuse to close my account, which contains sensitive information like bank and credit card information. They also are spamming me with multiple emails every business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Flagstar Bank, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar bank changed my mortgage payment amount without my knowledge or approval and is now charging me late fees and a much higher mortgage.

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