BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX school year I borrowed XXXX. I paid off XXXX. A bank analyst and 2 schools inflated the amount to XXXX up to XXXX debt. Had no promissory notes, so DOE determined NOT collectible, XXXX and then reopened same paid notes and refused to reapply payments. They took payments off original notes and put them onto fraudulent ones that were dismissed. Took up to XXXX of my income XXXX. Put payments on the discharged fraud debt. Refuse to reapply and refund. Case was filed XXXX and is pending in Cir Court XXXX. DOE determined for collector not to collect on debt in dispute. DOE determined anyone whose income is below XXXX to pay XXXX. ECSI is charging me XXXX when my income is only XXXX or so. Prior ID theft caused credit report score to be XXXX. Collector collecting it any way again. Even though collector stated, no sanctions for non payment until XX/XX/XXXX or so, ECSI turned my name and this false debt into credit bureaus, after the same identical debt was in the credit bureau for 10 years before. Got credit score up to XXXX. Because I did not and was allowed to not pay XXXX beginning XX/XX/XXXX, credit score went down to XXXX. Claimed because I did not pay for a debt I do not owe, and that pending fraud charges. See proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early XXXX, I received a summons from the company Selip & Stylianou ( on behalf of XXXX XXXX  ) for an amount owed of over {$12000.00} for a credit card opened in XX/XX/XXXX. I called XXXX to dispute the matter and was told that since they have a third party handling my account, I would have to go through them ( Selip & Stylianou ). I have since filed a dispute of the charges and filed a victim fraud claim with Selip & Stylianou, and as of this time awaiting to hear their investigation result. I have also filed a dispute of credit card report to XXXX and on XX/XX/XXXX received a letter stating a complete investigation which verified the accuracy of the credit score, upon which I called XXXX and was advised to file further disputes through FTC. 

I contend that I am a victim of fraud and I did not open this credit card account with XXXX. I was unaware of any activity associated with the XXXXXXXX XXXX in question and I was not sent any credit statements or late payment warnings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30
Company: Prosper Marketplace, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wanted to opt out of the reporting of the utilization of the credit card.Per the law 16CFR313 the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act they are violating the law of reporting to a third party.

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 2023-11-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
TD bank gave me a phone number for XXXX. I was trying to give apple a new debit card number because my card had been compromised. TD Bank gave me a fraudulent number to call. It is NOT XXXX. TD bank manager knows they gave out a wrong number and they declined my dispute on all the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my XXXX payment a few days early at the end of XXXX. Citi bank marked my account 30 days late and dropped my credit score XXXX points.

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 2024-01-27
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mailed letter on XXXX opting out of reporting for account dated XXXX XXXX in the amount of {$110.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account Details : Creditor : THD/CBNA Account Number : XXXX This account has undergone multiple transfers of ownership, leading to confusion and, ultimately, the initiation of legal action against me by XXXX XXXX  XXXX XXXX XXXX However, I would like to bring to your attention that the case ( XXXX XXXX XXXX Case No : XXXX ) was dismissed with prejudice onXX/XX/2024. The dismissal indicates that no evidence was found to establish my ownership of the alleged debt. 

Given the legal resolution and dismissal with prejudice, I insist that Citibank immediately removes this account from my credit report. The lack of evidence supporting my responsibility for the debt is a clear indication that the reporting is inaccurate, misleading, and harmful to my creditworthiness. I kindly request that Citibank conducts a thorough review of the documents uploaded, it verifies the dismissal of the case with prejudice, and promptly removes all associated negative information from my credit report.

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 2024-01-30
Company: Javitch, Block & Rathbone LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a small claims notice that I am being sued by XXXX XXXX XXXX XXXX through Javitch Block LLC. This is the first I had heard of this debt or of it being " owed. '' I never received any communications from Absolute Resolutions of the debt AT ALL. When served with the papers of the small claim, I filed an Answer affidavit back denying debt and asking for several things including - debt validation, copy of original signed contract with original creditor ( which I had no prior knowledge of ), Valid proof, attorney 's collection and licensing, Lack of Privity, all of this- I was NEVER provided anything from Absolute Resolutions on such a debt placed with them.

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 2024-01-29
Company: Westlake Services, LLC
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello Consumer Financial Protection Bureau, XX/XX/XXXX I signed a car lease agreement with XXXX XXXX XXXXXXXX XXXX AMERICAN CAR CENTER in XXXX, North Carolina. The car was a XXXX XXXX XXXX XXXX and the agreed upon value which is stated in my lease was {$21000.00}. XX/XX/XXXX my car stopped while I was driving to get on the highway and would not start once I tried to keep starting it. I contacted ACC that same day and was told they have ties with XXXX and to tow it .. since it was under 30 day warranty. Upon arrival I was told that the engine blew and was not able to contact the finance team of the company, in which I previously had contact with! XXXX XXXX XXXX contact XXXX XXXX the regional manager for this company. I was contacted and they put me in a rental car. 4 days go by I hear nothing. 6 days go by and I contact again and hear nothing. I go back to the establishment I purchase the car from and the lot has no cars and has the door padlocked. I immediately felt as if I was scammed. Then I go on XXXX and see they have filed for bankruptcy out of nowhere and left town, this is all public record. The car does not work or move and I have not drove it at all. XXXX is still in possession of the vehicle because no I was not able to pay for an engine. Now they have sold my information to a place called Westlake Portfolio and they are hitting my credit for a XXXX auto loan. I have never had any contact with this company! I have no access to the vehicle and once again I never ever signed anything with this company they should have no information of mine. This is really hurting my credit. I have contacted them several times on behalf of This matter and have received no response. This whole situation was fraudulent behavior and I just need 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 2024-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a letter from Wells Fargo on XX/XX/XXXX saying that I was enrolled in the XXXX XXXX product from XX/XX/XXXX through XX/XX/XXXX. I never authorized enrolling in this product and am not sure what to do about this letter, especially since this supposedly occurred almost 14 years ago. Please help - thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account number : XXXX Fair collections and out 15 U.S.C 1681 Section 602A states i have a right to privacy 15 U.S.C Section 604A states a consumer reporting agency can not furnish account wihtout my written instructions

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 2024-01-26
Company: M&T BANK CORPORATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
After XXXX years here in XXXX. I went home ( XXXX XXXX ) after I retired from United States Army to visit my XXXX XXXX XXXX brother and my uncles wife who was still alive and admitted in the hospital. After I came back I missed 1 month mortgage payments and on XX/XX/XXXX I received M & T Bank stating : Under the repayment plan, you must pay the regular monthly mortgage payment of {$2100.00}, along with an additional amount of approximately {$710.00} and XXXX of each months. The following payment schedule provides the specific repayment plan terms : Plan 1 Date : XX/XX/XXXX XXXX : $ {$2800.00} Paid Plan 2 Date : XX/XX/XXXX XXXX : {$2800.00}. Paid Plan 3 Date : XX/XX/XXXX XXXX : {$2800.00}. Paid After I paid the last payment plan 3 on XX/XX/XXXX they want me to pay {$2100.00} regular payment. I called the mortgage multiple times telling them Im retired 23 years XXXX  and XXXX vet so you know I get paid every end of the month therefore, you cant do this to me. I told them I also have bills to pay and also food, gas and I asked them these 3 plan payments should be able to cover one month missed payment. So the next payment should be XX/XX/XXXX or XX/XX/XXXX. Please HELP they are still calling me telling me Im behind one month payment. Thank you

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 2024-01-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Noticed a small collection amount of {$220.00} on my consumer credit profile ( all 3 bureaus ) by Pro Collect for XXXX XXXX XXXX, an address I have never resided at or applied for. Requested itemization or any written documentation in regard to what they are collecting on in XXXX of XXXX, then again in XXXX of XXXX. Both requests went unanswered. 

Contacted Pro Collect again by phone on XX/XX/XXXX at XXXX XXXX , spoke with a representative that stated they can not provide any written documentation as to what is being collected on, and to simply pay the bill in full or we will continue reporting and you will continue to have this on your report. Once again told the representative that I am simply asking for any information on what this debt is before I can make an informed decision on if I should pay or dispute this debt, and that I can not move forward with resolution until i know WHAT this debt is for. Representative continued to repeat that they will not send me anything as to what this debt is, and could be an app fee or something like that. Once again requested for a possible copy of the original collection letter, invoice, or anything of that nature for me to verify what this is, and again, to make an informed decision on best course of action to proceed. Representative stated they weve already validated the debt on our end and we will not send anything or provide further details, because we are not required to. Once again let the rep know that if I was to pay, I simply would like to know what this is for. It is negatively impacting my consumer profile, and I am being cornered into paying a debt that I have not received notice, bill, invoice, or any information regarding this matter. Due to the companys unwillingness or inability to provide proper documentation or chain of command for this debt I fully believe this goes against my consumer rights and request for it to be removed immediately from all three of my credit reportings.

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 2024-02-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have paid XXXX towards this loan and they have stated that XXXX went towards interest alone making only XXXX go towards the actual principle. i know this is erroneous. They have also stated that i have extended the loan over 13 times. I am now way upside down on the loan and now cant get out the loan or trade the vehicle in as the negative equity is too high.

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 2024-02-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a {$4600.00} deposit on my Citibank checking account and the atm only counted {$3600.00} which is {$950.00} less The deposit was made 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 2024-01-01
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have struggled since XXXX to work under the Public Service Loan Forgiveness Plan. Recently, Mohela has taken over servicing the loan. I have attempted multiple times to request for Mohela to correct the incorrect information they have about the number of payments I have made under PSLF and the number of payments remaining and Mohela continues to leave incorrect information, tries to get me to not make payments on my loan and also to not reflect the payments I have made. I have THREE payments remaining of the XXXX. For XX/XX/XXXX, XX/XX/XXXX and the FINAL Payment on XX/XX/XXXX, the FINAL payments are XXXX, XXXX and XXXX. I believe that Mohela is acting in bad faith with multiple borrowers and they are trying to keep people in debt when we have worked very hard under the PSLF program. Mohela sent me the attached letter in XX/XX/XXXX showing I had 8 payments remaining as of XX/XX/XXXX. Then in XX/XX/XXXX, they sent me a letter showing I had 8 payments remaining and again in XX/XX/XXXX showing I had 6 payments. I made 5 more payments during the period of XX/XX/XXXX to XX/XX/XXXX and have THREE payments left on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Mohela keeps trying to change the payment amounts or tries to have me pay nothing, tries to defer me and sends inaccurate information. I would like CFPB to prevent Mohela from acting in bad faith toward borrowers and correct the number of payments I have made under PSLF which is XXXX. On XX/XX/XXXX, I will be making my XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SYNCHRONY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear SYNCHRONY, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a XXXX resident. In XXXX XXXX XXXX  residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, 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 2024-02-02
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX made two deposits to my XXXX debit card account with Wachovia bank in XXXX, XXXX  : Here is the settlement reference number : XXXX & XXXX. The deposits were for {$1300.00} and {$570.00}. XXXX has never credited these deposits and so called Customer Suport has stonewalled finding them. They just tell me to use their chat function but it always times out before a " live agent '' responds.

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 2024-01-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
They sent you a letter ( 50 pages ) and it appears they are asking for the XXXX XXXX XXXX ( now provided ) In this letter a number of false statements were made to the CFPB 1 ) typo, wrong loan transfer - it was XXXX, not XXXX XXXX ) They say they provide a communication method, but they do not answer the phone, text, email, or registered letters, 3 ) They say there was a letter on XX/XX/year> - never recieved, 4 ) They never asked for the master HOA policy, Until the leter sent to CFPB they provided NO insurance contact. It is very obvious that Newrez wants to systematically take {$170.00} / month from me. In reading the consumer complaints, they are taking this from many many people. They have a poor record and would like the CFPB to believe they have communication and a reasonable service. The truth is they provide NO SERVICE because doing so would allow people to avoid problems they make money creating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I was notified that payments were due, went to go in and pay them but was told my loans were in forbearance and there was no balance. At the same time I went to update my income based payment plan back in XXXX, but its been a while and it claims its still processing. In the mean time I cant seem to get any information from them as the phone lines are so blocked up. MOHELA is an absolute mess and its really frustrating trying to keep up with the changes they keep making.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX statement {$150.00} payment XXXX statement deferred XXXX statement {$150.00} payment How can you be in repayment status then deferment then repayment status in 30 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation