BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX, XXXX, AND EQUIFAX are doing identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # :XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX EQUIFAXXXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCT. # : XXXX PLEASE DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: SC
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:
I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
i had purchased a money order for the amount of {$590.00} for my monthly rent, after a minth that my landlord indicated that he never recived i have been in process with Western union and had submitted the proper documentations + XXXX extra XXXX dollar moneyorder to have them locate my money order. its been XXXX  month and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Suntrust Bank and less than a month later they closed my account and froze access to the funds without warning. No one is able to give me an answer after talking to multiple agents. First I was told I would receive a letter in 7 - 10 business days along with a check for any funds that were in my account. They froze access to my account on XXXX XXXX and my first direct deposit to this account was scheduled for XXXX XXXX. I was told they received my direct deposit and it is being stored in a warehouse. I called back today on XXXX XXXX because I 've received nothing from the bank. I was told they did not close out my account till XXXX XXXX and it will take 7 - 10 business days from that date to receive any funds in my account. Please help me get my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy 5 years ago and it was discharged XX/XX/2016. Since this time have been trying to get the bankruptcy flag removed from my account. I cant contact them to get any information concerning my account. When I try to contact them th call goes to a third party company. I keep paying my mortgage and the balance never change. I have gotten several notices that I was entitle to a escrow refund but it never comes. I received a refund on my property tax because of my age XXXX. Havent heard anything from Ditech.. I tried emailing them and all I get is a form letter about they will have more infoe and nothing has happened for 9 months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I was notified the my loan was being transferred from LoanCare to XXXX effective XX/XX/XXXX. I then received a letter stating the transfer was cancelled. I then received a notice that the transfer would occur effective XX/XX/XXXX. I was out of town in XXXX but when I returned I discovered that my automatic withdrawal for XXXX was not taken, evidently because the process of transferring the loan to XXXX in XXXX that didnt occur stopped the automatic payment. I then send in the payment which arrived arrived XX/XX/XXXX, was cashed by LoanCare and miss-applied by LoanCare to some other account. Multiple calls later that money was eventually located and supposedly refunded to me although the first check never arrived and the second check is in the mail 4 months later. I also received a bill from XXXX in XXXX for XXXX and XXXX which I payed so the loan wouldnt be delinquent. 

This week I was notified that I had a delinquent account in my credit report. Evidently LoanCare reported the loan as closed XX/XX/XXXX but 120 days delinquent. LoanCare was contacted and said it was XXXX  problem. I contacted XXXX and they said they considered the loan up to date and had reported the same. Talking to the LoanCare service center again they stated this request needed to be made on line and that it was reported that way because I didnt make a XXXX payment even though LoanCare has had the money since XX/XX/XXXX. And the lack of payment was transferred to XXXX and payed there too! 

In contacting the LoanCare service center about both the refund issue and the Credit report issue they have been totally unhelpful. Ive been escalated multiple times and on multiple occasions been offered call backs from another level which didnt happened on 5 different occasions. Clearly a pattern of deception. They have used ridiculous excuses why they couldnt investigate my refund request. ( Copy of the check was a JPEG file, as was supplied by my bank, and not a PDF file so they couldnt open it. ) This excuse was used multiple times even after I sent it as a PDF. I advised them that they should hire new tech people.

Im contacting the CFPB because I have little confidence that LoanCare will fix these problems unless pushed. Also, although Im fortunate to be able to float a mortgage payment for four months, I believe that is not the case for the vast majority of Americans and the company needs to be accountable and be forced to streamline their return process so some people are not forced into financial hardship through no fault on their own.

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 2016-03-24
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I called Amerisave Mortgage on XXXX/XXXX/2016 and spoke with XXXX XXXX, a Loan Originator. He assured me at that time he could and would get the loan closed. Initially the loan received an automated underwriting approval. Since then, the loan application has been declined 3 times with no explanation as to why it has been declined. When the initial credit application was taken, my credit score qualified for premium financing. They ran my credit a 2nd time within 30days which reduced my credit score and caused me to be disqualified for premium price financing. I have reached out the XXXX XXXX manager, XXXX XXXX several times and he HAS NOT responded to me at all. I have contacted the loan processor, XXXX XXXX, and he has not responded to my email or returned my phone calls. I have also contact customer service and was told a manager would call me back within 24 hours and I have not received a call or email response from anyone. At this point, I have spent {$75.00} getting documents signed and Notarized only to receive an email stating the loan has been declined again with no explanation. I have been requesting a call back since Friday, XXXX/XXXX/2016. XXXX XXXX replied on Monday stating he was out sick and would have his manager call with the reason for the decline & I have yet to receive a call or response from him. I believe I am being discriminated against or RED LINED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit reportXXXX PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX previous CFPB complaints for the same issue still unresolved. 

Company is unable or unwilling to send my National Consumer Telecom & Utilities Exchange report I asked for via postal mail. 

CFPB complaint # XXXX - No report was ever received. Company claimed to have mailed it out. 

CFPB complaint # XXXX - Company mailed me an XXXX report I did n't ask for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchase a home warranty from XXXX XXXX XXXX and used my XXXX XXXX XXXX XXXX for {$570.00} and broke it up in XXXX payments. Over the phone they took my credit card number around XX/XX/XXXX for amount of {$280.00} and the second payment was posted on XX/XX/XXXX to complete the home warranty purchase which wouldn't go into effect until my final payment and I had XXXX days to cancel to receive my money back. I did not sign a contract either. 

I tried to use the service for an electrical repair on XX/XX/XXXX which the company did not respond in time so I sent an email on that date canceling the service to that company and also contacted Capital One XXXX about the problem that I canceled the service and wanted my refund. I was told that Capital One has an afflation with XXXX XXXX XXXX and I would need to submit more information which I did, including the cancelation email. 

Now Capital One wants more documentation because XXXX XXXX XXXX said they did not receive my cancelation even though they had my email showing I sent and canceled the service on XX/XX/XXXX. I also spoke with someone on the phone about the cancelation ( think was XXXX XXXX and he stated the service would be canceled. So Capital One decided to apply the {$280.00} XXXX times on my new XXXX XXXX ( which I did not authorize ).. 

Due to the affiliation ( which a customer service person told me ) I think XXXX XXXX is intentionally making it difficult for me to receive my {$570.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2015, I noticed a fraudulent charge from XXXX XXXX in the amount of {$94.00} on my checking account with Bank of America. I went in to my local banking center and talked to a private banker. He assisted me to cancel my debit card, in addition to filing a claim and told me that the next day the funds should be returned to my account. The funds were credited back to my account the next day as I was told by the private banker in the location. All was corrected and no harm was done ... so it seemed. 

Then on XXXX XXXX, 2015, I noticed another charge on my account for the same amount of {$94.00}. I called customer service and they told me that the claim had been denied and claimed that they could not tell me anything more. I was then transferred to the fraud department after being put on hold. Finally the representative from the fraud department informed me that the claim had been denied and that the fraudulent charge had not even been posted to my account. They had deleted the entire transaction and any records of it from my account. And they would not assist me in informing me as to why the whole charge and records had been wiped. 

Next I was told that I would have to go through XXXX XXXX in order to get my money back. I called the customer service there after doing a quick search on XXXX to obtain it and they told me that they could not find the order that was fraudulently placed on my card when they searched for it using my name and zip code. I was then transferred to their corporate offices. I spoke to XXXX there and he told me that he would need my card number in order to search for the order. 

I had to call the bank again to obtain the card number. Then I called customer care back at XXXX XXXX and the representative refused to transfer me back to corporate. They told me that they could not locate any trace of an order ever being placed with my card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Welcome XXXX XXXX [ Logout ] Case number : XXXX have not heard anything since XX/XX/XXXX and this lender is going to continue with foreclosure proceedings. I got a copy of a request for a stay of foreclosure that seemed like it said the company was going to help me keep my home but last week received a withdrawal of that request along with a statement that they intended to proceed with foreclosure. 
I have hired a lawyer XXXX XXXX and he intends to file for a motion for dismissal because I guess the lender and collector are n't supposed to work separately in Maine so what they are trying to do is illegal. 
In the mean time XXXX Bank of New York Melon is trying to foreclose on me XXXX is going to process yet another modification application to help me but I will probably just get another offer for XXXX + per month because the back amount owed continues to rise as I face uncertainty. 
I still maintain that XXXX XXXX XXXX said they were transferring my mod to XXXX and they would contact me if they needed information which they did not do until 3-4 months later when I finally received a bill which by this time was too high for me to catch up. 
I feel that these lenders took over my loan for pennies on the dollar as an easy target for foreclosure and an opportunity to re sell for full cost and triple their profit. 
These practices need to be stopped somehow. Did they not recently lose a lawsuit because of illegal practices? Do they even own my loan since it was a fallout from XXXX filing bankruptcy and illegally transferring notes to XXXX XXXX XXXX. 
I would like this investigated as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
This is a payday loan that I do not remember taking out from back in 2003. I received a phone call stating they were NOT a collection agency that they were sending the information over to swear out a warrant in debt against me for XXXX if paid today or XXXX if not paid today. I have not received any notification for this debt in over 12 years but I remained in the same area. I asked for information about the debt the first gentleman ( rudely ) suggested that I had this money wired to my bank account and presented a check on an account that was closed. This is not the case as they verify that accounts are open prior to giving funds to anyone. Further when I asked for the location or information about the original creditor I was provided with my maiden last name, a last four digits of an account and routing number that supposedly belonged to me and the year of 2003 but no real information pertaining to the creditor. The did give me Ace Check Express but could not provide me with the city, state, store number or circumstances around the attempts to collect the debt. Further, I told them that I was in a Chapter XXXX Bankruptcy and that they would have to wait until I contact my attorney because all debts that were on my credit report were placed under the bankruptcy. I was told specifically that they are not affected by my bankruptcy because intentionally do not report to the credit bureaus for that reason alone. This is unfair to me as a consumer and I would like this investigated. They are defrauding the bankruptcy system and it should not be allowed. Further their collection efforts were weak and non existent over a 12 year period where I was in a high visibility job and in the area. XXXX is the number I was contacted by and now I feel as if I am being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It all started on XX/XX/XXXX ; when My house caught fire and burned, It was a total lost and all we had was a force place policy insurance that covered the loan not the value of the home we had been staying in the house for 11years at that time we saved up enough money to had on the house because we could get a loan. we started out with about XXXX feet of space in the home. and we saved up enough money to enlarged so we added on about XXXX sq. feet which increased the value of our home we had the XXXX sq. feet insurance but not the other so the bank had a forced place policy on the part they had so when we enlarged we took out a loan on the house so unfortunately as I already stated we got burned out with a force place policy in force which was about XXXX dollars now everything we owned was in that house that got burned up also everything we own was in that fire. gone up in smoke so we contacted the bank about the policy and they approve a contractor that only had painting experience they finally had to go to court with the contractor they had and stayed in court for one year and a half before they release anymore funds. on XX/XX/XXXX. they send check for XXXX the contractor said that would n't even buy the gas that took him to com back and forth it was a night mare for me and my family the contractor required Bi-weekly payment a bank should known what Bi-weekly means I wrote the bank a hardship affidavits they padded it no attention at all regardless of what they had invested in the property themselves XXXX by the time they got through with me I owed them XXXX dollars in taxes and fees it get worst than that they had third party venders to jack up the price every month I had to go to Environmental Court about how nasty that property was I got all the proof in the city where I live the actual cash value payment was XXXX, the insurance the replacement cost was XXXX, Less contractor profit and overhead, we choose a contractor that build the house back for that the money that was the actual cash value payment which was XXXX but the bank charged me XXXX of they way of taxes and fees that took them 3.5 years to build because of court and just slow fullness with third part venders that were supposed to be cleaning up they argument in court was they did n't sign anything with the contractors I have proof that hey at least approve them to do the job. by sending them a check and stopping payment on the check because they did n't know what they where doing.

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