BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: RMS-Recovery Management Services, Inc.
State: NY
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 forgot the name of the agent, however upon speaking to her several times trying to explain to her that I could not afford any of the options she was giving me. She told me that I had to figure it out ( somewhere along the lines of that ) and then hung up on me. I called back and told her that I no longer wanted to speak with her via voicemail because no one answered. However she kept calling me to the point that I needed to block her number. On top of that, I did not know that I could dispute my debt with the school and there is also a XXXX $ collections fee that I have to pay them just to take my account. I tried taking out a personal loan from XXXX XXXX to pay them. But XXXX XXXX XXXX was not willing to move the date back to clear my loans for the semesters that I was not paying. The letters and phone calls to my house continued with lines that said We recommend that you pay the XXXX $ in full or We have not discussed any ways that you plan on paying when I infact DID tell her how I planned on paying. In my most recent letter she pretty much lied about her not being able to contact me and not knowing how I planned on paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 notified transunion that I am a victim of identity theft

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 2020-03-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2018-10-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I paid the amount agreed to on the loan contract for my co-borrower to be removed from my loan but he is still on the loan and has not been removed as of today. I have also not been allowed to enter the debt relief program with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2019-08-09
Company: Navient Solutions, LLC.
State: CA
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:
This student loan was for my daughter who requested a deferment because she graduated from college with her XXXX.XXXX  in XXXX  in XX/XX/XXXX. Moreover she was still in school in XX/XX/XXXX - shows 60 days late ... also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ... she was still in school ... In XX/XX/XXXX it shows 120 days late ... could you please correct this ... thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email XX/XX/2021 from AppleXXXXGoldman Sachs that my account was closed because of a There was a failure to comply with the terms of the Customer Agreement when I called them they referred me back to the vague letter. They escalated the complaint and assured someone would get back to me as of today one week later nobody has gotten back to me. I have called 4 times since then and spoken to all sorts of supervisors who have told me they dont know and nobody knows the reason my account was closed. But I should refer back to the letter Apple sent. Another supervisor responded that Apple can cancel anytime they want for no reason. Thats seems incorrect as the terms and agreements state Apple can close any account for any reason under applicable law. Nobody is able to tell me what law that is. I have been on the phone for hours with them and nobody seems to want to or care to help. This hurts my credit and seems very unfair. 
As it is an Apple Card and it is closed I dont have access to the number on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard Inquiry on my credit report for something I did not get approved for is stopping me from getting an apartment and other financial needs. This has destroyed my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I schedule a bill payment through my bank 's bill pay service they offer. I specified I wanted the bill paid in the amount of {$200.00} on XX/XX/2020. The item was paid and cleared my account on XX/XX/2020 a day before earlier than I wanted the payment to be completed. Due to the payment clearing a day earlier than I specified it caused an " Overdraft Protection Fee '' of {$7.00} to be charged to my account. I called and told the agent what happened. The agent refunded my fee and then proceeded to tell me that next time this happens I will be responsible for the fee. I said what do you mean I will be responsible. I specified the payment to come out on a specific date and my own bank cleared the payment a day early. How is that my fault and why should I have to pay them a fee for taking money out of my account a day early. The agent said sometimes they have to issue a check verse an electronic payment and sometimes they clear early. I don't have an issue with that, but don't charge me a fee. My bank is the one issuing the check, they know how much the check is, they know the check number and they know the date it should clear. They should have their systems programmed to catch and handle these checks differently verse putting the responsibility on the customer who has taken responsibility for specifying the date they want the item to clear in the first place. Since my bank controls both ends of the transaction there is no reason they can't control if a fee is charged or not. Why make the customer do all the work. How many people aren't checking their accounts and being charged needlessly because the bank is to cheap to program their systems to handle the transaction correctly. I am sure their is probably an attorney out there who would love to try and argue a class action suit for improper charges.

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 2021-04-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received notice that my 0 % APR on my existing balance is expiring next month on my homedepot credit card. I need to know how this will effect my minimum monthly payment and monthly interest beforehand so I can prepare. I contacted XXXX via secure messaging and asked 3 times and they just kept copy pasting useless information as responses and refused to answer my questions. I need this information now so I can plan my budget.

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 2017-09-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, XXXX, I sent a wire from my XXXX Bank account for XXXX to XXXX XXXX XXXX. According to the wire instructions, it was to go to a Wells Fargo bank in XXXX XXXX. The wire ended up going to XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. What I learned on XXXX XXXX was that XXXX XXXX XXXX never received the wire. It appears the email correspondence had been compromised by someone else. XXXX XXXX XXXX called the FBI and started an internal investigation. XXXX also called Wells Fargo because XXXX DOES NOT have ANY accounts with Wells Fargo. Wells Fargo confirmed the account that received the money was not in the name of XXXX XXXX XXXX nor any of its officers. Wells Fargo refused to return my money despite this being an apparent violation of anti money laundering laws passed after XXXX. My wire should have been rejected by Wells Fargo as the name of the wire did not match with any name on the receiving account. I called XXXX who closed one investigation but currently has a global investigation open through my local branch manager. I contact XXXX and XXXX in XXXX XXXX who wrote a demand of payment to the Wells Fargo branch in XXXX with no response. I also filed a complaint with the OCC, and the Texas Banking Commission, and IC3. I have a police report and an open investigation with the XXXX County Sheriff 's office. Wells Fargo will not talk to me because I am not the account owner. XXXX XXXX XXXX is willing to share their findings with any federal investigator. Here is the account information of the transfer I was sent. 
Wells Fargo XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Routing Number : XXXX Swift : XXXX Here is the transaction number. 



Wire To Wire From Wire Amount Wire Date Transaction Number XXXX XXXX XXXX ( ... XXXX ) PREMIER PLUS CKG ( ... ) {$50000.00} ( USD ) XXXX/XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have sent emails to TransUnion, XXXX, and XXXX on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


DEPTEDXXXX XXXXXXXX  DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX 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 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/XXXX, I mailed letters to the credit bureaus, asking them to investigate errors on my credit report. They are supposed to respond inside of 30 days, but they have not.

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 2023-06-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is an inquiry on all of my personal consumer report from XXXX ( XXXX ) that I did not make or recognize, and would like to have it removed and report updated from XXXX, Equifax and XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Feldman & Stern, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Starting on XX/XX/01 a person going as XXXX XXXX said he was an attorney, if I didn't pay a gym membership to a gym I didn't attend, said if I don't pay XXXX hr will have my wages and they will take everything owned by me, furniture, TVs etc. He told me to borrow the money. I told him this was a pandemic, we arent in a XXXX  pandemic. Said use your stimulus money. I said I can call back in a week and he no because he knows I'll have anotheXXXX XXXX XXXX  Excuse. 

Hes been calling and leaving messages everyday since then/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is a credit inquiry from Conns XXXX. I didnt submit an application with Conns. I received an alert today XX/XX/2021 from XXXX XXXX, this inquiry is in my XXXX report. I sent en email to XXXX XXXX  about this and am waiting to here back. After work I will request a credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: CO
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:
Contacted XXXX XXXX XXXX on XX/XX/XXXX for verification of debt. They did not send photo or video evidence of damages to former residence, Only included a handwritten note. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) included false charges in debt and are attempting to collect which is an illegal business practice. Have disputed the charge multiple times for inaccurate balance/past due information and company refuses to correct the false charges. Disputed this false debt collection with XXXX credit bureau on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have spoken with the XXXX XXXX XXXX and disputed these false charges many times. They have refused to remove inaccurate information. I contacted national credit systems to dispute these false charges on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently they have still refused to remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Checkr, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Company named Checkr reported back to my employer that my Motor Vehicle record stated that on : XX/XX/2019 I was charged with obstructing passage of other vehicle.. This is incorrect ... 
XX/XX/2019. Involved in accident .... This is incorrect ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Unlawful debt collection : Trustee sale is void Plaintiff : XXXX XXXX doing business as XXXX XXXX XXXX, AN UNMARRIED MAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX , personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX recorded an unlawful Substitution of Trustee in the XXXX XXXX County Recorder intstrument # XXXX for an unlawful debt that was past the statute of limitations in California ( 5 years ) as of XX/XX/XXXX. The last payment became overdue on XX/XX/XXXX. The first Notice of Default accelerated the funds which all became due recorded on XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX on the same day recorded an unlawful Notice of Default instrument # XXXX Disregarded the 30 day period and disregarded the strict policy whereby this 3 'd party debt collector must attempt to contact homeowner. 
XX/XX/XXXX XXXX XXXX XXXX records Notice of Trustee Sale instrument # XXXX XX/XX/XXXX Defendant receives Affidavit of Fraud and Notice of Rescission of Signature, with Revocation of Deed of Trust and Revocation of Powers of Attorney XX/XX/XXXX XXXX XXXX XXXX sells Plaintiff 's property to XXXX XXXX XXXX XXXX XXXX XXXX where XXXX XXXX participated in an unlawful auction that took place after XXXX XXXX, wherein the signature had been rescinded from the deed of trust so it was void. You can not give somebody something you do not have. 
On the date when the transaction took place, XXXX XXXX XXXX XXXX was NOT REGISTERED TO DO BUSINESS IN THE STATE OF CALIFORNIA XXXX XXXX had the ability to know, so therefore he did know that the signature had been rescinded so he is complicit in an act of fraud and conversion and XXXX XX/XX/XXXX XXXX XXXX records a void Trustee 's Deed instrument # XXXX XX/XX/XXXX XXXX XXXX files XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX and XXXX Plaintiff sent verified written communications more than six occasions with proof of service asking defendants for 1 ) a copy of the book-entries so the Plaintiff could make sure that the one who funded the loan is the one who gets paid back, and 2 ) proof that the so-called beneficiary was in possession of the original note and received no response. 
Defendants received the Affidavit of Fraud and did not rebut it at all, whatsoever. 
They also received a Notice of Default with Opportunity to Cure with no regard. 
The sale is void because a ) the signature was rescinded as no TILA was given, b ) an unlawful auction took place after business hours, and c ) no consideration was given to fund the so-called loan in the first place. Deed of Trust is void. Plaintiff does not believe that any evidence to the contrary exists. 
In California, these predators make millions of dollars because of the non-judicial " scheme '' which means there is no tolerance for those who use an unlawful process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have contacted XXXX XXXX multiple times they have sold my account to an agency with an incorrect balance. XXXX XXXX is reporting on my credit as well with the correct balance. XXXX XXXX XXXX XXXX is reporting on my credit with a balance of {$3200.00} win the actual balance I had remaining with XXXX XXXX was {$1200.00}.

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 2015-05-31
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I AM BEING DESTROYED BY THE BANKS, this has been going on for XXXX ( FIVE ) years and XXXX ( NINE ) months so far. Clarification : I do not want to live in my home for free, all I want is justice. I am a tax paying american mother who has worked harder than a " Peruvian Donkey '' to raise her XXXX children, put a roof over their heads and food on the table ( I 'm not perfect of course ). My mortgage was owned by XXXX XXXX in XXXX ). When XXXX went down, coincidentally I lost my job. XXXX XXXX XXXX XXXX XXXX ) took over our mortgage and told me they were going to help me with " Barack Obama 's Making Homes Affordable '' program. They never did. They told me on XXXX XXXX that they had lost my entire file after an entire year of waiting for the " Home Loan Modification ( HLM ) package '' in the mail, it never came, etc, etc, etc. Later on, XXXX substantially increased my monthly payments from {$1100.00} ( which I can not afford XXXX to {$1400.00}. What? Is n't the " Making Homes Affordable '' program about assisting homeowners in distress to make their homes AFFORDABLE? WHAT KIND OF HELP WAS THAT? After almost four years dealing with them, I told XXXX that I was going to sue them, Ha! TWO days later I received a letter from XXXX informing me that NationStar ( a glorified collections agency who calls itself a " bank '' ) would be servicing my loan beginning the following month ( by then, XXXX, XXXX, XXXX XXXX. This has been a nightmare, they do not want to assist in any way, they make arbitrary decisions without informing me, they lie to XXXX XXXX and every single call from them is to harass and try to scare me. All these years I have not made payments on my loan because XXXX told me no to, and now, after almost six years, the principal on my home is double the value of my property. How can I afford that? They say they can not reduce the principal because XXXX XXXX does not allow it, and that if my loan were with XXXX XXXX, they would be able to do so. Well, they are sueing me A-G-A-I-N to foreclose on my property. This is my home, I HAVE LIVED HERE SINCE XXXX XXXX, it is my only real estate property and I live in my home, I am not a lawyer. This ordeal has made me very, very ill, and I can prove it. I applied for Social Security XXXX XXXX XXXX and I am certain I will be approved. I have been tricked by fraudulent corporations, including a lawyer I hired called XXXX XXXX with payment arrangements of course to help me. I have lost XXXX {$6000.00} seeking help, heck, I am still paying the fees for nothing, crooks, that 's what hey are. Please I need help, I can not afford a lawyer and I have nowhere to go if I lose my home.

Company response to consumer: Closed with explanation