BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
++++++++++++++ ATTENSION XXXX XXXX++++++++++++++ XX/XX/2022 around XXXX I called a phone number In response to a letter I received by mail from Gustel Law Firm PC a third party debt collector who is a debt collector. Under the fair debt collection practices act, this is a violation of my consumer rights because pursuant to 15 USC 1692C I never gave prior consent to Gustel Law Firm PC to communicate with me by mail or phone. This is the first of many violations. Gustel Law Firm PC are attempting to collect a Alleged debt from three XXXX XXXX accounts, I have done business with XXXX XXXX in the past but I have never done any business with Gustel Law Firm PC, I do not have a contract with Gustel Law Firm PC. Security based swapping has taken place here between two corporations, this is very illegal pursuant to 15 USC 77q. I was connected to phone Rep XXXX XXXX. I asked if this was a actual law firm? She said yes I asked if attorneys were at this law firm she said yes XXXX also said an attorney has been assigned to my profile by the name of XXXX XXXX. This is violation pursuant 15 USC 1692e No attorney is to be present while attempting to collect a debt. This is very misleading. I asked XXXX if I was to write a check or make a payment who do I write the check to? XXXX says to write it to her law firm. Write the check to her law firm but shes collecting the alleged debt for XXXX XXXX? This is very misleading again. XXXX grew frustrated with my questions and begin to use Profane language towards me by raising her voice, this is a violation pursuant 15 USC 1692 d. I asked for the name of the CEO and XXXX first says the name XXXX then suddenly stops and says she doesnt have to give me that information and refers me to search for his name myself by googling the company. XXXX then says she can transfer me over to speak with an attorney. XXXX places me on hold then comes back and gives me the name of the CEO by the name of XXXX XXXX. This phone call was very stressful and left me depressed ever since. Just knowing Gustel Law Firm PC is trying to swindle money from me. Congress talks about how swindlers can be fined up to {>= $1,000,000} and can be imprisoned up 30 years pursuant to 18 USC 1341

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
First I want to lodge a complaint that when I called the CFPB phone to talk with someone ( XXXX ) My cell phone says I was talking to " XXXX XXXX XXXX '' at ( XXXX ) XXXX. 

Second, after a couple of extensions PrimeLending missed my closing by date on the latest extension ( last week ) and now they are requiring me to signup with " XXXX '' system to provide them with my user name and password for my checking account so they can directly access my account statements. 

I called my bank and they said don't ever give my user name and password to anyone. 

XXXX at CFPB could not tell me if a lender can " require '' me to enable such a data breach to my personal bank account. PrimeLending ( via Loan officer XXXX XXXX ) is also requiring me to provide user name and password for W-2, payroll and IRS tax accounts. Sounds like a scam. 

They also want me to agree to have a conference call where I disclose my security confirmation information so they can verify a loan has been paid - - note the loan was paid off at my bank and they would have all the information to steal my identity and money if I give all of this to them. 

Is this something they can force me to do? Need help right away!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
in accordance with the fair credit reporting act XXXX, this account has violated my rights.

15 USC 1681 section 602 states i have the rights to privacy 15 usc 161 section 604 a Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm XXXX I tried to work with them I went to a remodification hearing they turn me down and they told me I had to get out my house

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 2022-07-27
Company: Experian Information Solutions Inc.
State: MA
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 is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I filed for a income driven payment plan on XX/XX/2023. My loan servicer ( Aidvantage ) still has not processed the paperwork. I have been notified that my first payment is due at the beginning of XXXX. I have called but I can never get through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi, Unfortunately, I was scammed out of {$500.00}. I tried to purchase a teacup french bulldog from XXXX. I submitted a form on the website to see if the puppy was still available and to contact me by email or phone if still available. I was contacted by email and text back letting me know the puppy was available and instructions. I was asked to XXXX the deposit to {$870.00} to XXXX for XXXX XXXX and to note XXXX the dogs name. Everything was going fine I even received confirmation on shipping Booking reference Number : XXXX Website Track Link : XXXX : XXXX Then I received another email saying now {$1200.00} because needs a different crate due to Covid and asked from money from XXXX XXXX XXXX This is when I became suspicious and inquired through the breeder why I was being asked for this and through XXXX XXXX to top it off. The number I was texting with was XXXX. The person started to make it seem like I shouldn't be questioning them and said they were going to cancel the order and refund. When I called the number it was disconnected.

I contacted my bank to report but Wells Fargo said unfortunately the XXXX transfer for {$500.00} was completed and the only thing they could do is report as fraud so I did that. I also reported this through the federal trade commission, Report number : XXXX. 

The website is still up 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 2023-10-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint against Citi, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request to Citi, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Citi. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference.

I believe that [ Creditor Name ] 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Citi with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Citi be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.

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 2023-04-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have been trying to get the credit bureaus to remove inaccurate information on my credit profile and they have sent me continuous stall letters each time I request, and nothing is being done. I have sent them proof of who I am each time using my ID and a current bill and they are still telling me that I am not who I say I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage was purchased by Mr. Cooper in XXXX of 2022. At the time my payments were on auto pay with the old mortgage company, and immediately placed on auto pay with Mr. Cooper. There was an outstanding balance ( equal to one payment ), and when I inquired about it, they said they have to give it up to 45 days for the transition to work out, and not to worry about it, they will contact me if there was a problem. Six months later I get a notice that my auto pay will not be honored because there is an outstanding balance, and that my account was considered in default. I called and upon researching, found the final payment with my old mortgage company was not applied correctly. I immediately made an additional payment to correct the situation. Mr. Cooper still reported the account delinquent, and now my credit is destroyed. I requested that they remove the derogatory report since it was an administrative error, and I made an extra payment immediately upon being advised of the problem, and they refuse. They never gave me the opportunity to fix the issue, and refuse to correct it now. I did not ask for this company to purchase my mortgage, and this would have never happened if they didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Date : XX/XX/2022 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-14
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Not sure if this is the right place but I have XXXX investments purchased through Cash.app. I am trying to get them to send me my year-end documents. On their website it allows you to " try '' to download the XXXX XXXX file but I can't there is an issue on their end and it won't download. I have contacted them every day for the past month and they just send me back a " canned '' answer on how to download but it does not work. I can't file my taxes without knowing the basis of my purchases and they should be required to give me this info but they are refusing to address an issue so I can get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: MS
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 is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Trans Union and XXXX they report each month how much I charge on my credit cards and that makes my score down but I always pay my parlance every month they have to wait a month to report what I still awes I made aispute many times I called trans union and XXXX many time and they never fix the problems.

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 2023-10-19
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Aidvantage : I attempted to change my repayment plan to the SAVE plan. I was told via inbox to call to make the changes permanent. I called and was told I needed to pay over {$400.00} to get my payments changed over to the new payment system. I could not pay and was put into a forbearance for 1 month and paid {$5.00} to have the plan changed over. 

I called again because I was not seeing any changes and the gentleman I spoke to was confused as to why the previous agent did that and that what she did was incorrect. 

I called yet again because I was not seeing any changes or confirmation emails that I had a new repayment plan. I was then told that my old repayment system had to be cancelled or exited before getting onto a new payment plan. I put in to exit my current plan and answered all the questions to qualify for the SAVE plan. I was told my payments would be {$0.00}. 

Now I just received a letter saying my payments is due of over {$400.00}. And that I needed to recertify. At this point this is taking so much time away from my family and XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : EXPERIAN : XXXXXXXX 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 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 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 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 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 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 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