BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Walmart has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

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 2021-03-26
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sometime in XXXX I began a refinance on my {$330000.00} mortgage and recently denied without explanation by the loan officer, loan specialist, and their supervisor. I am a XXXX XXXX  XXXX  who deserves to be treated with respect and professionalism for all the sacrifices I made for this great country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I received a collection notice from XXXX acting on behalf of paypal as a creditor. It is a charge for {$27.00} for a debt incurred by someone else who is operating a paypal account in my name. After much back and forth I finally got to talk to a paypal expert. He said that there were dozens of fraudulent accounts in my name. All you need to set up a fake account is my SSN and mothers maiden name. He didn't dispute this charge was fake since it was listed to a bogus email account XXXX. But he stated that paypal was not responsible since the thieves did not steal the SSN information from them. " It was my problem ''. I never received a follow up from paypal, but also no more notices. 

Until XX/XX/XXXX when I received a new notice from XXXX XXXX XXXX ( for a different debt ) I feel Paypal is responsible for doing proper due diligence on the folks that open up accounts.Pretty much everybody 's SSN is stolen so that is not an excuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis nexis, XXXX, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. Please remove the accounts above from my consumer report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: NRA Group, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection agency is claiming I owe {$560.00} for an account with XXXX XXXX XXXX fro an  account in NJ yet I've lived in Delaware for the past 18 years. I asked for copies of the application or a copy of the any records or recordings they have regarding phone calls, etc. and they've refused to provide them. I sent a letter disputing the debt along with a copy of a police report from a few years ago where someone filed tax returns and open accounts in my name yet they continually claim they don't receive them. The woman XXXX  is a NASTY NASTY woman and refuses to remove this 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 explanation
Consumer complaint received 2019-02-27
Company: CITY NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The XXXX Fire of XX/XX/2018 destroyed my second home as well as the wellhouse,  workshop, water tanks and solar power on my XXXX acre Ranch in the XXXX XXXX mountains above XXXX. I have a mortgage on the property at City National Bank. In XX/XX/2018 XXXX XXXX paid out my buildings insurance in the amount of {$480000.00} plus {$48000.00} with checks made out to myself - XXXX XXXX - and City National Bank. XXXX deposited those checks, telling me they were in a money market account. It was almost three months before they would give me the details of that loan account. In the period since that money was deposited I have asked for the regulations or protocols governing the banks disbursement of those funds in a case like mine, where I have urgent costs for repair, rescue and recovery before I can get to the rebuilding. I have not received such information from the bank. XXXX has repeatedly ignored my requests for information and persists in treating that insurance payout and the funds therefrom as a loan for which I am applying to them for a new build. They have not acknowledged my circumstances except in the most cursory way. They have shuttled me from one customer " care '' advisor to the next, I am now on my third team of allegedly helpful advisors. None of these people has made the slightest effort to adjust their assertion that I am borrowing for a new build, to an understanding of the realities of catastrophic fire destruction at a property like mine. Instead they are letting time go by, shifting me from one person to the next who then takes a lot of time to " review '' my documents, which are a series of increasingly desperate and upset appeals to them for assistance with funds for emergency expenses associated with my position. I still do not know when and how these people intend to disburse the funds that XXXX have allocated for me to spend on the recovery and repair that has - in order to mitigate further damage and decline at the property XXXX allege to have an interest in restoring - already cost me a great deal. I am deeply traumatized by the fire itself, but almost more so by the callous and cavalier attitude of City National Bank - a small bank that I chose because of its personal touch. Personal and personable up till XXXX of last year and the aftermath of the XXXX Fire. I literally don't know where to turn. I don't want to hire a lawyer and spend money to go after this money, but I can't see how else this will be resolved. I have hired an architect to help with planning the rebuild and from the insurance company and XXXX County we have only received help and warm, consoling advice and support, whereas we have had to struggle with the bank for them simply to pay the architect for his retainer. I have documented the correspondence and can share all the information you might need to look into this. I beg you. Please help me to unravel this knot?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
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 have already been the victim of identity theft several times and have a fraud alert on my credit these accounts are from 6 years ago to places I have never been. I have confirmed I have never been to these places and they are not mine please remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our home was listed for short sale in XX/XX/2018, and we had an offer within a week. Since then, we have been trying to get approvals from both the first and second trust,  ur they keep asking for the same documents over and over again. We comply, and then they circle back with the same request. Finally, XXXX (the first trust) approved, but PHH (the second trust) continues to drag.There has been a significant lender delay and they are acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  has violated my federally protected consumer rights under the FCRA by committing following action under Truth in Lending Act : 15 UDC 1601 ( a ) Fedloans Servicing has violated my federally protected consumer rights under the FCRA by committing the following actions : 15 USC 1681 ( a ) ( b ) 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 ( a ) ( 3 ) ( e ) 15 USC 1681 ( a ) ( 4 ) XXXX  XXXX  has also violated my federally protected consumer rights under the FDCPA by committing the following actions : 15 USC 1692 ( d ) 15 USC 1692 ( d ) ( 2 ) 15 USC 1692 ( e ) ( 2 ) ( a ) 15 USC 1692 ( g ) 15 USC 1692 ( g ) ( c ) 15 USC 1692 ( a ) ( 7 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: I.C. System, Inc.
State: NC
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:
A collection item appears on my credit report I have contacted the credit bureau and the creditor requesting the item be removed as it is a fraudulent account opened in my name ... .The date the account was opened I was not of legal age to even sign a contract I asked for a copy of the contract bearing my signature and it was not provided ... I believe the account may have belonged to my deceased father XXXX XXXX instead of my self XXXX XXXX ... please remove this item ASAP I have provided drivers license to show proof of age and birthdate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Companies : XXXX, Experian, and XXXX Dates : XXXX 2017 Following the XXXX data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.

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 2019-08-20
Company: Action Financial Services, LLC
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
First, I received a letter on Saturday XX/XX/2019 from Action Financial Services, LLC. (hereinafter "AFS"), I was then called by AFS on Tuesday, XX/XX/2019 at XXXX XXXX. by XXXX XXXX. First, she explained she was calling about a debt and was immediately asking for personal information i.e. SSN, DOB, and Address. I had to stop her a few times and ask who she was, where she worked and what she was calling about, because she was so pushy about my personal info. After verifying my info, as she spouted it off without asking. She explained that I owed a debt and that they would garnish my wages. I proceeded to verify the debt, in doing so, I explained that I am part of the Department of Education Student Loan Forgiveness payment plan and that these 3 loans should not be sent to collections. She continued to press that regardless, these 3 were being processed or "Serviced" by AFS and did not care to verify that this debt is in the forgiveness program. She then continued to tell me options available to me: Pay it off, Settle and then she hung up on me/phone dropped. I immediately called back from my work phone and cell phone and upon calling the number back, the line does not work, there is no answer.

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 2019-11-08
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019 Weltman , Weinberg & Reis Co. , L.P.A . sent my co-signer a notice in the mail stating that a payment was not applied to the account # XXXX in the amount of {$45.00} but I made an electronic payment on XX/XX/2019. 

They are showing a balance of {$1900.00} and I have a balance of {$1900.00}. 

The information they are providing is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: CO
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:
Equifax was negligent with their security systems that protect my private information from being accessed for fraud. 
My private social security information and credit card information is now in the hands of criminals. 
I was denied access to my security PIN at XXXX PM on XX/XX/XXXX when I attempted to place a freeze on my account. I was never given a PIN in order to " thaw '' my credit. I will have to send my personal information, and possibly money, to an organization that already proved itself incapable of being trusted in order to unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX and XXXX  XXXX XXXX are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong 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 non-monetary relief
Consumer complaint received 2021-04-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 my US bank account was officially closed due to a flagged bank transfer from my daughter that was flagged. I was told the funds from the failed bank transfer would be transferred back to the original sender before my account is fully closed. The original sender still have not received the returned funds and my account has been officially closed for over 2 weeks now. I was told in writing that the funds would be sent back as soon as my account was closed.

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 2021-10-06
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone hacked into my CHIME BANK/XX/XX/XXXX account and transferred all my money to someone named XXXX XXXX This happened on XX/XX/2021, in the amount of {$660.00}. The bank denied my claim and refused to refund my money even though I filed and submitted a police report. This bank has not helped me and has not done anything to assist me with this process. I need my money it is all I had saved. They say the money is insured and they are here for the customer, but even with LEGITIMATE PROOF OF THEFT THEY HAVE NOT RETURNED MY MONEY, That makes them thieves as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022 I sent a letter for inaccurate account on my credit report. It has been over XXXX  days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account gives reason to immediately correction this account from my credit report. I am distressed that you have included the account below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The account therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that the account be corrected immediately or I will file for litigation. 
XXXX XXXX XXXX Balanced Owed : {$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 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is regarding an account reporting on my personal credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7400.00} to {$7300.00} which is not accurate! The other two bureaus show different balances!

2 ) The monthly payment changes from {$240.00} to {$0.00} also inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$240.00} which is not accurate!

2 ) Same issue with balance reporting {$7400.00} when the month before was {$7300.00}! Not accurate! 
3 ) The date of last payment is reporting XX/XX/XXXX which is different that the other bureaus. 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7300.00} when it was {$7400.00} They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts are unknown and unauthorized by me. My identity has been compromised in numerous ways to the point that i can not just pin point the exact source. Years ago my identity was lost with my wallet. But I also know i been a victim of the dark web as well as the infamous XXXX   breach. All these episodes are beyond my control. Therefore, I'm demanding that the following unauthorized accounts be removed and block from my credit file immediately. 

1 ) XXXX XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX {$320.00} 3 ) Dept of ED/XXXX  {$7700.00} 4 ) Dept of ED/ XXXX {$5100.00} 5 ) Dept of ED/ XXXX {$5700.00} 6 ) Dept of ED/XXXX  {$5000.00} 7 ) Dept of ED/XXXX  {$1600.00}

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