BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Mortgage , LLC had one of their own employees execute an assignment of mortgage on XX/XX/2016 under the false pretense of being an employee of XXXX. Nationstar Mortgage , LLC employee XXXX executed a " Corporate Assignment of Mortgage '' and claims to be the " assistant secretary '' of XXXX XXXX is NOT an employee of XXXX and DOES NOT have the authority to execute a Corporate assignment of mortgage where XXXX is the assignor and Nationstar Mortgage , LLC is the assignee. There is NO corporate seal on this assignment and there is no President, Vice President or executive chief signature. There is no witness signature. Both XXXX and the notary XXXX have comitted fraud by the execution of this assignment of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Collection Receivables, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke to XXXX two months ago on my cell phone and explained that I was told my membership was to be cancelled via a conversation with the manager. I got a call at work last month XX/XX/ from XXXXXXXX XXXX  colleague. I told her to not call me at work and she said she would update that. I got a call at work again XX/XX/. I have requested all correspondence be through the mail. They are still calling me on my cell and at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/21, I was notified of a payment withdrawal from my bank for my Best Buy Visa account that was not scheduled by me. The payment of {$1200.00} was stated to have been through the phone. I did not call Citibank to schedule any payment that day. I have contacted Best Buy Visa - Citibank to resolve this issue but what I am concerned about is the privacy and security issues related to arbitrary payments being scheduled on my account and maybe others. 

I would advise Citi open a Issues & Event within their Operational Risk to ensure problems related to systematic scheduling of payments does not occur in the future.

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 2022-11-15
Company: CNG HOLDINGS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/XXXX from XXXX XXXX stating that they were hired to collect an alleged debt of {$540.00} that originated with XXXX XXXX. That letter is attached. I received a follow up letter dated XXXX, XXXX. This letter is also attached. I have never opened an account with XXXX XXXX and suspect fraud here. More importantly, there is no such personal loan account on my credit report ( also attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For the past 10 months I have submitted my application 3 times via mail, fax, and uploading straight to the website for PSLF to both MOHELA and XXXX. Neither website says they have received my loan and the XXXX XXXX number for PSLF and website says they can't find my account. However I am able to login to my account online. I have tried to call multiple times and emailed the website. Each time I call I am on hold for over 2 hours each time and nobody answers the phone. I would like to be able to reach someone and submit my PSLF before the deadline XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Credit Card Receivables Fund Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX Unifund CCR, L.L.C. ( a/k/a Unifund ) contacted me and confirmed that their communication was from a debt collector, and included billing statements from XX/XX/XXXX XX/XX/XXXX. Unifund was attempting to collect a purported {$9900.00} debt owed to Distressed Asset Portfolio III, L.L.C.  who purchased the account from XXXX XXXX XXXX, XXXX. ( i.e., XXXX XXXX XXXX  ). 
On XX/XX/XXXX I spoke with XXXX XXXX in Unifunds XXXX Call Center and explained that on XX/XX/XXXX I filed an Affidavit of Identity Theft, pursuant to 623 ( a ) ( 6 ) ( B ) of the Fair Credit Reporting Act [ 15 U.S.C. 61681s-2 ], with XXXX Customer Fraud Protection. 
On XX/XX/XXXX and again on XX/XX/XXXX I wrote Unifund requesting validation that I was the responsible party for the debt to XXXX  XXXX Services ( a/k/a XXXX XXXX XXXX ) and, in turn, to Distressed Asset Portfolio III, L.L.C.,  and/or the debt actually belonged to me. 
On XX/XX/XXXX, I received a letter from Ms. XXXX XXXX XXXX, Unifunds Legal Counsel. The letter merely replicated the same material that Unifund sent on XX/XX/XXXX and failed to produce any contract with my signature but continued demanding payment of {$9900.00} to Distressed Asset Portfolio III, L.L.C. that was being collected by Unifund. 
These repeated demands for an unknown, unvalidated, debt coupled with someone who was purportedly acting as Unifunds attorney was beginning to appear as an extortion rather than a bill collection for a fair debt that was owed. 
On XX/XX/XXXX I received a letter from Unifunds attorney ( i.e., Mr. XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. of XXXX, KY ). Mr. XXXX cited several Federal Court Cases all leading to a continued claim for a {$9900.00} debt that I supposedly owed to Unifund. 
Among the citations Mr. XXXX wrote included : verification of a debt involves nothing more than the debt collector is claiming as owed. If verification only needed to be what a debt collector claims is owed, it would disregard validating if the debtor is the person responsible for the debt versus merely identifying anyone and verify billing statements were sent ( i.e., guilt by accusation ). 
Validating that I was the person responsible for the debt was the issue ; that didnt occur in deference to demanding I pay {$9900.00} to Distressed Asset Portfolio. 
On XX/XX/XXXX Mr. XXXX, representing Unifunds position, sent an e-Mail, where the Subject line read XXXX XXXX XXXX, stating : Mr. XXXX I consider our correspondence on the matters you raised in your several letters and my response letter to be over. However, his phrase was over was undefined, unexplained and/or not specific as to what matter was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: AR
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:
To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have neverDateXX/XX/XXXX 1.CompanyXX/XX/XXXX XX/XX/XXXXXXXX AddressXX/XX/XXXXXXXX XXXX, XXXX, TX XXXX XXXX XXXXXX/XX/XXXX 2.CompanyXX/XX/XXXXXXXX AddressXX/XX/XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX, XX/XX/XXXXXXXX XXXX, XX/XX/XXXX 3.CompanyXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX, TX XXXX 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 consumer reporting a agency if the person knows or has reasonable cause to believe that the any of information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-09-29
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AMSHER COLLECTION SERVICES are attempting to collect on an account that I have no knowledge of. In have never received a written notice or otherwise regarding this matter. Pursuant to the Fair Credit Reporting Act the Fair Debt Collections Practices Act and the Fair Credit Billing Act, my rights as a consumer have been violated under the law. 

I was never given the opportunity to dispute and or request verification of this alleged debt. The original creditor is : XXXX XXXX XXXX XXXX ... .in the amount of {$200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I did not authorize any of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: OH
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:
I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase suddenly restricted my account around 1.5 weeks ago without any explanation given. I did not violate any rule and only used the account to purchase assets for myself using my own funds. I now do not have any access to my funds or assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I recently won an amex gift card through a sweepstakes on XXXX, I was sent an {$100.00} virtual amex gift card, accompanied by a {$50.00} XXXX XXXX XXXX XXXX. I was able to spend the XXXX XXXX XXXX immediately, worked well, but the amex card was a different story. I have tried every merchant possible, XXXX, XXXX, XXXX, and target to name a few, but I have tried many more ( including lesser known shops, just in case ) and no one will take it. I have called customer service at American express 4 or 5 times and they keep telling me the same thing, that my card is being declined for fraud protection and to keep trying merchants or to spend in store. I can not spend " in store '' when it was a virtual gift card, this lady keeps telling me that I can just type my card info in at stores in person but that's not how stores around here work, no card, no in person spending. I tried to request a check in the amount of the gift card and failed there as well as they told me the refund or check would go to who issued the gift card instead. I'm at my wits end, I have {$100.00} dollars stuck in space with bills due and shopping needed, I won that money fair and square and it isn't fair that I'm fighting a losing battle to spend it. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: CITIBANK, N.A.
State: ND
Product: Credit card or prepaid card
Sub-product: Store credit 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 am having a problem resolving an overpayment to my Macy 's Credit card in the amount of {$240.00}. XX/XX/XXXX I paid my Macy 's Credit Card in full ( {$240.00} ). XX/XX/XXXX I mistakenly made a duplicate payment in the amount of {$240.00}. Since I made no purchases on my card the following month the balance on the XX/XX/XXXX statement showed a credit of {$240.00} ( the overpaid amount ). The XX/XX/XXXX Statement showed a zero balance with an indication that they had " Credit Balance Refund ''. I assumed they would send a check or other payment, but when it did not arrive I contacted them in XX/XX/XXXX. They indicted that they we opening an investigation and that I should wait 2 Billing cycles. When I did not receive payment or any correspondence from Macy 's Credit Card I again contacted them in XX/XX/XXXX. They indicated I should wait one billing cycle. When I did not again hear from them, I phoned them on XX/XX/XXXX. All previous contacts were through email or chat function from their website. The phone call lasted 28 min and 50 seconds with the service rep indicating a refund for {$240.00} would be direct deposited to my checking account. I did receive the {$240.00} into my checking account on XX/XX/XXXX, but also had a charge to my credit card for the same amount. When I again contacted Macy 's they told me to check with my bank. In essence the XX/XX/XXXX payment resulted in a net zero refund and I am still owed the {$240.00} which they supposedly sent in 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
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: IL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2022 I applied for a Chase credit card. Chase pulled a hard inquiry from my consumer report at that time with all three credit reporting agencies. 

Today I went into a Chase branch to verify my identity for this application at Chase Banks request. After providing the documents they asked for I noticed that an additional hard inquiry was pulled from my consumer report. 

This second inquiry was illegal because I was not notified that it would occur before hand. Also it is not fair to pull my credit more than once for the same credit product. Chase is supposed to be an equal opportunity lender. I have not been given an equal opportunity to receive credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I applied for assistance for the XXXX XXXX XXXX XXXX. 

I have a first and second mortgage on my property. The 2nd mortgage is a HELOC from PNC BANK. 
This mortgage is in my deceased husbands name. I am trying to get help from the state of Illinois and I need a 2nd mortgage statement. 
I went to PNC BANK many times, and they say they can not give me ANY MORTGAGE statement on this account. 
By law, if there is a debt, I am to receive a mortgage statement. All they are giving me is a payoff. This does not work the the program. I was denied the program because PNC WILL NOT give me a normal mortgage statement. 
Even if they state they charged this loan off their books, they still have a lien on my property, therefore its a debt, which I am required to receive a mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Maximus Education, LLC dba Aidvantage
State: MD
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:
I called Aidvantage on XX/XX/XXXX, to request a refund in the amount of {$50000.00} which was paid to them on XX/XX/XXXX. I informed the representative that my banking information had changed since I initially made the XX/XX/XXXX payment and asked her if I could give her the new account details for the direct deposit. I confirmed with her the new account details before the request was submitted. I waited XXXX weeks and after not receiving the direct deposit I called and was told that a direct deposit attempt from XXXX was returned by the bank for incorrect account details. This is the only answer I was given. I can only assume that the original representative did not input the new account details correctly. I was also told that a physical check had been processed on XX/XX/XXXX, and was being mailed. I waited until XXXX and after not receiving the check I called and was told that no further details were available and to wait until end of XXXX. I received a call today ( XX/XX/XXXX ) informing me that the payment had been returned, but was unable to tell me if it was another XXXX attempt or physical check. I dont understand why as my account details are correct and my mailing address on file has always been correct. I desperately need someone to look into this further as I am not getting anywhere with the call center. My financial situation has dramatically changed since I originally made this payment a year ago and I really do need to receive this money back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: GA
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:
Hi CFPB, I am new to credit and I am currently improving my credit. I checked my credit report today ( XX/XX/XXXX ) and saw that I have a few inquires that I never authorized. I had my social security number stolen in the past and thought that the credit bureaus put a freeze on my credit report so no one uses my SSN for credit. 

Here are the inquires that I never authorized XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/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