BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was trying to pay extra principal to my mortgage account on this pandemic time while many people are having financial hardship and deferring payment.

on below date i transferred my saving account money to mortgage account. before i did those 2 extra payment my principal balance was {$80000.00}. it's very simple math to deduct {$30000.00} and remaining balance should be {$50000.00} but Bank of America is showing {$60000.00}. 

XX/XX/2020 Extra Principal Payment {$20000.00} XX/XX/2020 Extra Principal Payment {$10000.00} I call BOA mortgage department, debt collection dept ( XXXX ) more than 20 times, every time they pretend they understand but can't change amount because they have their system upgrade and need to approve it from mortgage  department. 
I see many reversal posting in activity which is causing this issue.

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 2020-06-01
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX20 I submitted complaint ( XXXX ) in regards to Wells Fargo refusing to refund the aprox {$4000.00} I paid in full for my PMI when my loan was originated through XXXX XXXX  and the Wells Fargo chose to service my loan. 

Today, XXXX20 at XXXX I was contacted by Wells Fargo employee XXXX XXXX on a recorded line and she stated that after her investigation it was found that I would not receive my refund. She stated that the PMI was through XXXX XXXX with a commitment certificate and they stated they absolutely will not refund any of the remainder PMI although the loan has been paid in full. She stated it has nothing to do with them and they just manage the PMI for XXXX XXXX. I asked her for the documentation for this certificate and she stated she would provide that. I then asked her if in that documentation there were any disclosures stating if I paid the PMI in FULL it was non-refundable and if there were disclosures if I had signed any of those. She stated there were no disclosures signed by me. I then asked so how does that work? XXXX XXXX  apparently dealt with this part, but never was I advised I wouldn't be able to get a refund. In fact in the discussion it was explained to me that by paying the PMI in full I would be helping myself and saving money in the end ... .. and now they are trying to keep {$4000.00} that belongs to me. How is this just? How am I supposed to make an informed decision on whether to pay in full or do monthly payments and what is best so I don't get my money taken from me if I am not properly informed?! 

XXXX continued to distance herself from this and stated it was not Wells Fargo, but I needed to take my complaint and concerns up with XXXX XXXX. Wells Fargo chose to service my loan so they are just as much a part of this as XXXX XXXX. I wasn't even aware of who XXXX XXXX was. 

The fact of the matter is, I was not given proper disclosures, I want the remainder of my PMI refunded to 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 explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
An account reporting on report as negative from XXXX XXXX has been disputed numerous times as it is not correct or adhering to the FCRA, and still has yet to be removed nor have I been provided with verification of the debt. I have not been sent information containing my signature that authorized such a transaction with this company.

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 2023-02-10
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: Account information incorrect

Complaint:
I am the author of this complaint and the attached letters associated with this complaint I recently checked my credit report and I noticed that I had numerous inaccuracies and unauthorized inquiries I tried reaching out to the credit reporting agency but they did not fix the issues.

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 2022-12-29
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Today. XX/XX/2022, I contacted GM Financial to make a payment on my new vehicle loan. The past due balance was more than it should have been. I reached out to a customer advocate to pay a payment of {$540.00} online. I just paid over {$900.00} on XX/XX/XXXX to become current. They did not correct the amount that was past due, and ignored my request. They went straight to asking me when I could pay. 
Also, today I addressed my concern with the negative effects with marking late on every month, which was not correct, on my credit, which I have paid and made payment arrangements. I was also ignored for my request to fix my credit report. GM has completely destroyed my credit and my ability to refinance or trade in my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Aargon Agency, Inc.
State: MD
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:
AARGON Collection has been contacted by myself, XXXX XXXX about account number XXXX which was paid off XX/XX/2020. I contacted AARGON Collection and asked for " Removal Letter '' the first gentleman I spoke with in their collections department simply told me in a very nice and professional way that he is unable to produce a " Removal Letter '', I then asked to speak to a manager by the name XXXX XXXX who told me in a not so nice way that this company is only responsible for reporting when the account is paid and that is what they did so there is nothing else legally they need to do and that was the end of our conversation. I then called back and spoke to a very nice lady by the name of I believe XXXX who told me that they can give me the letter that I am requesting and she does not know why I am having such a hard time. She sent me back to their collections department and I got another nice gentlemen who explained to me that before the pandemic they would have been able to give me this letter with no problem but now they do not have the ability to do so. That he was very sorry. I could dispute it with the credit burrows and they will not fight it. He seemed to try to pull something up on his end but was unable to do so. He said the company was sued by a lady and now they have stopped producing this letter.

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 2020-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Portifolio Recovery Associates llc Inc is pulling my XXXX XXXX credit report for account reviews when they have no account to review for collection the account that they did have has been closed to all collections for being exempt from debt collection due to being on Social Security XXXX for life so they have no right to pull any of my credit reports for account review unless they are attempting to collect on exempt funds they closed the account and stop all further collections. they have no reason to review my reports for an account they can not ever collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I established an account with Cash App back in XXXX with an initial deposit of {$2000.00}. On XX/XX/XXXX I noticed my money was not reflecting on the app. When I tried to use my card it was declined. There is no phone number to speak with a representative so I had to email and inquiry. I was told my account had been closed out and I had to create a new one to verify my identity. I did not close my account and I have no idea where my money went. I have been going in circles with Cash App customer support for weeks now. I keep receiving the same email to verify my identity and when I do so they transfer my investigation to another employee. I have been assigned around 15 different people only to keep sending me the same email. I have requested a transaction history to try to track down my money and they refuse to provide it. I have read numerous consumer complaints of the same thing happening to other people and cash app refuses to cooperate by sending people in circles in hopes that they give up. I am a senior citizen and I have been scammed. It is a shame this company has been able to get away with such poor service. I am starting to think they are scamming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: KLS Financial Services, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2023-01-26
Company: Experian Information Solutions Inc.
State: IN
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct number XXXX {$2300.00} XXXX, XXXX account number XXXX {$780.00} XXXX XXXX {$150.00} -XXXX XXXX account XXXX {$1600.00} XXXXXXXX XXXX XXXX account XXXX {$90.00} XXXX XXXXXXXX XXXX account XXXX {$89.00} 15 USC 1681 section 602 A states my right to privacy.

15 U.S.C 1681 section 604 A section 2 also mentions a consumer reporting agency can not furnish an account without 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 non-monetary relief
Consumer complaint received 2018-08-17
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
i sent XXXX to my friend in XXXX. it was to be an instant transfer and the paypal website said my friend was to receive the full XXXX it turned out that after i paid paypal said it would be a 4 day hold and charged the recipient XXXX. THE XXXX FEE-CHARGE WAS NOT DISCLOSED. THE 4 DAY HOLD WAS NOT DISCLOSED. 

THE RECEIPT CONFIRMATION FROM PAYPAL SAYS NO FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was paid by state health insurance as I WAS A VICTIM OF A CRIME. 
AARGON AGNCY Reported on XX/XX/XXXX {$36000.00} Account Details Last Reported XX/XX/XXXX Collection Agency AARGON AGNCY Original Creditor XXXX  XXXX XXXX OF Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$36000.00} High Balance {$36000.00} Remarks Placed for collection Creditor Contact Details AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV 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 2020-07-10
Company: Navient Solutions, LLC.
State: FL
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:
Hello, On XX/XX/2020 I spoke with a representative that stated that all my loan payments will be consolidated to one and there will not be duplicated accounts on my report showing the same payment. My credit report is showing the same accounts when i've already consolidated my loans in one and they updated my payment schedule. The same account is reporting balances of {$1300.00}, {$2500.00}, {$7500.00}, {$4100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There are accounts on my consumer report that are reporting with inaccurate information. These accounts are reported as late payment and potentially negative ( violation against 15 USC 1666b ). When in fact, EQUIFAX did not conduct a full and proper investigation to conclude that these accounts were accurate ( violation against 15 USC 1692g ). I never consented to this inaccurate information to be furnished and it is infringing upon my right to privacy when they did not give me a clear and conspicuous option to opt out of sharing my non-public information ( violation against 15 USC 6802 & Privacy Act of 1974 ). Going against these law can be fined in a civil matter if EQUIFAX does not correct these accounts INQUIRY : XXXX XXXX XXXX  XXXX DATE : XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXXXXXX DATE : XXXX XXXX, XXXX INQUIRY : XXXX - XXXX XXXX DATE : XXXX XXXX, XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00} ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$54000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These are not my accounts. Please remove 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 2019-08-22
Company: GLA Collection Company, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out many of times to get removed and still on credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-24
Company: EQUIFAX, 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: Reporting company used your report improperly

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 Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number XXXX XXXX* Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation