BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: SUNTRUST BANKS, INC.
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
I took an offer for a balance transfer with Suntrust Bank that ended on the XXXX. 
At the closing date of XXXX/XXXX/16, I had a balance of {$1000.00} and I called Suntrust to check when they will begin to assess finance charges. I was told by the bank rep that as long as I paid off the balance by the next due date of XXXX/XXXX/16. I will not be assessed a finance charge, which I did. 
However, I was sent another promo offer with convenience checks, which I did apply for in XXXX 2016, and from then, I was being assessed finance charges, even though, the previous balance that ended on XXXX was paid off. The bank rep XXXX XXXX said that they had applied all XXXX payments that I had made from XXXX 2016 to the balance with the lowest APR, which was the recent balance transfer, and this is why they were charging me finance charge on the {$490.00} balance of the first balance transfer that should have been paid off with the XXXX payment of {$590.00}. 
I am looking for them Suntrust to credit my account back with all the finance charges starting in XXXX 2016 to recent and not to charge any finance charges on the current promotion that I have.

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 2016-10-31
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
Last week, ( XXXX 2016 ) in applying for a Reverse Mortgage through AAG ( American Advisors Group, NMLS # XXXX ) I was instructed to submit my credit card information before an application would be sent to me in order to apply for a reverse mortgage. The credit card, I was told was needed for the cost of the appraisal fee which was not even scheduled or needed since the application was not even prepared and sent to me for review and approval. AAG said this is a policy for all Reverse Mortgage loans, no exceptions! 

AAG indicated that I must submit credit card information or no application would be prepared and sent to review and sign. The Reverse Mortgage Professional from AAG in asking for credit card information before receiving and reviewing their terms and conditions appears improper and may be a violation of prudent lending practices. I did not submit my credit card information and, therefore, no application was ever sent! 

I hope this compliant is not a waste of time to report this practice from AAG, supposedly the largest Reverse Mortgage lender in the nation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I have file several complaints with Equifax to remove the XXXX student loans accounts for National Collegiate Trust ( NCT ) because they have reached the 7 years mark of being on my credit report. Each time they wrote back stating that after the investigation of the XXXX accounts belong to me ; but my request stated that my dispute was that the accounts has been on my report for 7 years from its XXXX delinquency not if the accounts belong to me! I feel like this is a tactic of theirs by giving me the run around to be able to report debt pass the legal law requirement. I have attached the letter of dispute I sent to XXXX XXXX/XXXX/XXXX, the tracking number for proof of delivery, XXXX response credit File number Confirmation # XXXX date XXXX/XXXX/XXXX of the investigation to my request of dispute, XXXX file number XXXX XXXX response to my question regarding how long information remains on file, XXXX XXXX credit file number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT and a XXXX letter head from NCT. Please have the National Collegiate Trust ( NCT ) remove from my credit report, for they have served there serve years from the XXXX date of delinquency on my credit report. I believe NCT has an account with Equifax and that is the reason they are giving me a hard time ( the run around ) with removing the XXXX accounts NCT is reporting on my credit report. I sent the same request to XXXX and XXXX and the accounts was removed. This company has broken many law and has learn how to avoid CFPB by not being a register company. They report on my credit report as National Collegiate Trust on XXXX and AES/NCT on XXXX, American Education Services ( AES ) on XXXX but is registered as American Education Services. My complaints with CFPB in XXXX stated they could not investigate National Collegiate Trust because the company could not be found and I can not file a complaint that has XXXX names ( ie. NCT/AES ). It 's my belief that NCT is practicing fraudulent tactics and really need to be investigated fully!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: GOLDMAN SACHS BANK USA
State: VA
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:
On XX/XX/21, an unknown charge for {$840.00} was Pending on my Apple Card ( Goldman Sachs ), I submitted a dispute the same day and was told that, because the charge was still " pending '', they would monitor the charge and if the charge posted, the dispute process would start with no further action from me. If the charge did not post, it would just drop off of my account.

Since then, I have made dozens of calls and chat sessions with Apple Card Support about this charge that posted to my account on XX/XX/21. On this date, I received a " provisional credit '' and exactly one minute later, the provisional credit was reversed. After many phone calls, I finally learned that the dispute that I repeatedly called about had been ruled in the merchant 's favor because, they stated, I " withdrew my dispute '' -- this is a complete falsehood.

In an effort to resolve this matter, I sent emails to the merchant advising that the transaction was made fraudulently and, in coordination with the merchant and XXXX, successfully redirected the merchandise back to the merchant. After the merchandise was returned, I submitted proof of this to Apple Card Support. I have received multiple emails from Apple Card Support advising that a " credit has been applied '' to my account and have been told countless times ( verbally and in writing ) that I am " never responsible for unauthorized transactions '' yet, as of XX/XX/21, I am now receiving notifications from Apple Card that my account is " Past Due '' and the {$840.00} is now accruing interest charges and late fees. 

Repeated phone calls to Apple Card Support, as recently as today ( XX/XX/21 ), have resulted in the same assurances that " the dispute is in process '' and " the credit will be applied '' but none of this ever actually happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent letter on XX/XX/21 certified receipt # XXXX it appears it was received on XX/XX/21. Caine and wiener is not license to collect debt in the state of Florida. They have NOT responded to MY COMPLAINT so I went on XXXX  document and I ALSO NOTICE THERE WAS NO NOTICE OF DISPUTE PLEASE REMOVE THIS ACCOUNT INSCREEN RECORDED MY XXXX  REPORT showing no notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My account was overdrawn on XX/XX/XXXX and an overdraft fee of {$35.00} was levied. There is no complaint on this fee. However, once I discovered that the account was negative I went in branch to fix the issue and make the account current. In branch I was told that they could not accept my check as a checking account deposit. They said that it had to be deposited into my savings and transferred into my checking. After the deposit I was informed that the funds available on the deposit of {$2000.00} was {$400.00}. I was told the account was positive and that the remaining funds were available to me. On Tuesday morning over {$140.00} in o/d fees were levied against the account. Wells Fargo 24hr Banking informed me that they would only waive XXXX fees ( {$70.00} ) and that I would be forced to pay the remaining XXXX. I do not have a continuous o/d history with Wells or a habitual o/d problem. These fees are a result of branch misinformation and the fact that my deposit was put into my savings account per the branch teller and manager 's decision. I was on the phone with 24hr banking for over an hour with reps and manager XXXX XXXX in the call center based in XXXX. I was refused waiver of the additional fees. 

These fees are based on misinformation and errors from Wells Fargo, despite this Wells is unwilling to reverse the transactions. I was willing to pay the fee for my actual o/d incident on XX/XX/XXXX ( {$35.00} ) but these additional fees are not my responsibility and compared to other retail banks are VERY high at {$35.00} each. 

I informed Wells Fargo that I am a recent graduate and relocated and that my funds are needed. They still will not reverse the fees based on their error. 

This is very upsetting. I just want my {$70.00} back. 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 monetary relief
Consumer complaint received 2015-11-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/2015 XXXX XXXX XXXX XXXX presented a check against my bank account with TD Bank for {$1400.00}. This brought my account balance to {$130.00}. That same day, XXXX debits totaling {$30.00} were also debited from my account, causing my overall balance to fall to {$99.00}. On XX/XX/2015 the check was returned and I was charged a {$35.00} overdraft fee. The only other debit to occur that day was for {$12.00}. After reviewing this on my XXXX statement and making numerous phone calls, TD Bank confirmed that the check was returned in error and refunded me the overdraft fee. 
The check to XXXX XXXX XXXX XXXX was for my XXXX rent and it being returned will result in me being charged a late payment fee and a returned check fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: LA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: 1st Franklin Financial Corporation
State: LA
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: Billing dispute for services

Complaint:
I believe I made an inaccurate reporting dispute XXXX XXXX need help see credit score please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
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 have attempted to have my information verified through the three bureaus and have received no correspondence nor update on the matters I brought to their attention. I feel that they are not complying with their own policies and have left me no choice but to file this complaint in hopes I receive better results this way.

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 2017-03-09
Company: WELLS FARGO & COMPANY
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo has charged overdraft fees on debits against the account when there were still pending transactions on the account, meaning there were still technically funds available. The excuse I have been given is that the pending transactions are considered ( whether they actually post to the account or not ). I transferred funds into the account to ensure a XXXX balance prior to the pending transactions posting to the account. I was still charged overdraft fees. Wells Fargo already has past issues with the way they structure their processing for debits ( XXXX v. Wells Fargo Bank ; Case No. XXXX WHA ( XXXX. XXXX. ) ). I have been a Wells Fargo bank customer since XX/XX/2009 and have never had this issue come up prior to the beginning of this year. This is the XXXX occurrence of this behavior that has happened to me in the last 60 days.

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 2021-08-02
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:
This item is not mine and I am not connected to this account absolutely. Its error in reporting because only one bureau repot this item or I am victim of identity theft which is not also positive. I ask you to remove it because I already submitted the prove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Bayview I am continuing modification process from prior servicer XXXX 
I am concerned as to if there is a sale date or not, as conflicting information is being received. 
The trustees confirmed the sale date is suspended on the record. 
I received different information from Bayview. 
I want to keep my home. 
If you would assist me in making sure all parties have the same information Bayview XXXX XXXX Company Bayview stating I must sign a new assistance form with Bayview before modification can be complete- I received form XXXX/XXXX/2017. 
Bayview letter stated if there was a modification in review with prior servicer - the modification would continue. 
Has Bayview received mortgage records from XXXX XXXX XXXX. 
I am confused on the process at this time receiving conflicting information. 
Would you confirm if prior servicer has forwarded a complete file I appreciate your time greatly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XXXX : Sender 's Reference : XXXX XXXX : Bank Operation Code : XXXX XXXX : Date : XXXX/XXXX/2017 Currency : US Dollar Amount : XXXX XXXX : Ordering Customer Name and Address : # XXXX, XXXX OFF NO XXXX XXXX XXXX and XXXX XXXX : Account with Institution - XXXX XXXX XXXX Wells Fargo Bank , N.A . Head Office, XXXX XXXX XXXX : Customer Name and Account : A XXXX # XXXX Wells Fargo Bank is refusing to acknowledge receipt of an incoming international wire to my account ( please see the wire info details above ). The sender confirmed with their bank and the intermediately bank that the fund had been received by Wells Fargo Bank. I 've had the same problem with Wells Fargo Bank about XXXX years ago, but it took them 35 days to acknowledge the wire and release the fund. I called their Executive Office earlier and spoke to XXXX XXXX, who was not willing to help.

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 2017-03-02
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There was identity theft and my identity was compromised. 
I have filed for a police report and the FTC identity theft victim affidavit report, and copies have been forwarded to this bank Fraud and Claims department. 
Discover Card did not address this issue, and this is a claim filed per Federal Trade Commission, a file putting in complaint dispute with credit institution on debt collection and mitigating loss incur by XXXX of " ALSO XXXX '', " ALSO XXXX '', " ASLO XXXX '', XXXX '' and Discover Card. 
Payments were made and reversed by above mentioned company " ALSO '' using my identity information and accesses my account to fraudulently reversed payments and embezzled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to harass me for a debt that i don't owe or no nothing about.they refuse to tell me what the debt that i owe FOR. Mrs acct # XXXX XXXX. Original account # XXXX. Current account # XXXX. Debt amount {$1600.00} charge date XX/XX/2018. Thank u XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I 've responded to Equifax by faxing my information they requested on XXXX XXXX, 2016 four different times to the fax number of XXXX and XXXX. I followed up on the matter and received no resolution. I spoke to a XXXX from the office of consumer affairs on XXXX/XXXX/16 and was rudely talked too and loud talked to the point, I could n't get a word in and got hung up on. I 've followed up again on XXXX/XXXX/16 and received the same rep and received the same level of service and got hung up on again. I totally feel discrimated and mistreated by the office of consumer affairs and its employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been disputing with Equifax over my XXXX XXXX account. I have spoken with XXXX XXXX and the other XXXX credit reporting agency have removed the XXXX XXXX from my report. I am on a payment plan with XXXX XXXX I have to pay them XXXX per month. I have spoken with XXXX manager and she said that it has been reporting it correctly that I am paying on time each month. There is nothing in my file with XXXX XXXX that says I am 120 days past due. On my equifax report it states that itis 120 days past due and it is hurting my credit score. My credit score with experian in XXXX and XXXX with equifax. I need this removed from my credit report or say I have been paying agreed and not late and an updated credit score. this is not fair. I also am having another issues with equifax on its reporting and will be disputing incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I ran my credit report in XXXX and saw that XXXX was reporting that I had XXXX late payments even though I had settled the account and was paying XXXX a monthly payment and was never late. I contacted XXXX and they said they had made an error and would correct it. My bank told me to wait XXXX months knowing I had XXXX until I had to move, so that the credit report would update. When he re ran it today the late payments were still on there. When I contacted XXXX, after being shifted to XXXX different departments and back to the Debit collector I was basically told that even though I was paying the people that bought my account on time XXXX continues to report it as late payments. I explained that I would be homeless and was told tough luck

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I noticed on my credit file that I had some incorrect information being reported on an account. I called the account and verified with them and they validated that the information was incorrect. I submitted a dispute with Equifax and they sent me back the dispute and confirmed there was no historical data for the account and it has been updated. However, the account still shows the inaccurate information.

Company response to consumer: Closed with explanation