BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-16
Company: UNITED SECURITY FINANCIAL
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I recently applied for and received a mortgage through United Security Financial Services. In the process my loan was changed from FHA, that 's what the disclosures I have say, to conventional and the interest rate seemed to change weekly. Each time it changed the costs would also change and I never knew what they were and could n't get updated forms from them. The loan process dragged on for months with constant changes and no answers. We finally closed after they made me pay my car lease off but they over paid the loan to XXXX and was told I was just out of luck. Luckily I got the extra money from XXXX back. The other promise was that I was supposed to get my appraisal fee back of which I have never received. The fiasco goes on and on. They sent my doc 's to the wrong notary service to come and have me sign. I do n't know where those documents ended up with all my information in them. They also promised that they would not sell the loan and service it in-house. They have since sold it. I have been told by many people in the industry that the loan was n't handled properly and within compliance. When I told United what I was going to do, they said we love proving that we do everything right and please do file the complaint. Kind of a weird statement to make implying that they have had to do this before. I do n't know what my options are on getting back my appraisal, but I do want to lodge this complaint. 


Thank You 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 monetary relief
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: TN
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 alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( duplicate reporting ) and Chapter XXXX Bankruptcy Discharged XXXX-XX/XX/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 2021-05-21
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Robinhood locked XXXX of the cash in my account. Claiming the error was on my end. 

I sent them screenshots and followed every step that they claimed would free up my account. 

They literally gave me a run-around like some scammer. I XXXX this problem to discover that it is a common one. This is not acceptable behavior, especially not for an institution that handles consumers money. I honestly do not know how they are still allowed to conduct business in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$400.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was with Sallie  Mae  in 2007 when I attended XXXX XXXX. I didn't not anything about Navient taking over for Sallie Mae until I seen it on the News. I have asked Navient to send me documentation stating that I authorized them to take over my loans and I would continue to pay them instead of Sallie   Mae. I have sent letters and talked to customer service reps and all they send me are the loans from Sallie Mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
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:
I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS****** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX XXXX # XXXX. This account was charged off in XXXX and closed. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$1400.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXXyear ; XX/XX/XXXXyear. Shows late payments, 30 days late XX/XX/XXXX ; 60 days late in XX/XX/XXXX ; 90 days late in XX/XX/XXXX ; 120 days late in XX/XX/XXXX. Reported 49 charge offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an  urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2022-07-22
Company: Experian Information Solutions Inc.
State: VA
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 sent a letter on XX/XX/2022 to remove XXXX XXXX Bankruptcy Reference # XXXX XXXX : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX & I am including it again.

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 2020-09-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recently noticed a negative account on my transunion credit report. I notified the company in writing that this debt is from years ago and a company I may have worked for. I did request they provide ALL records and signed documents for the entire account to verify what they are attempting to collect and reporting to the credit bureau. This is not my debt and also beyond the statute of limitations in the state of Texas in which I live. TEXAS statute of limitations is 4 years. This collection agency is in DIRECT violation of the FCRA. 
I have spoken to Transunion by phone and was told this would be reported to the company electronically and that they would be notified of this FCRA violation and remove the account immediately. 
I have taken every action to notify them and am treated poorly and ignored. I am complaining now in hopes the CFPB can get this company ( see attached proof of harassment by mail, and also attempting to collect a debt illegally on my credit ) to promptly delete this illegal account from my credit report with XXXX. 
Please contact me if there is any other item I can provide to get this taken care of at once. The FCRA violation of my rights is hindering my credit and capability to proceed with financial decisions I am presently involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From XXXX up to XXXX my account has been coming up in over draft, funds not being returned and bank saying it was. Not showing transition that has took place also not stopping companys from taking money that is not there

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 2019-09-04
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted these collectors several times in regards of medical debt I have received they are in violation of HIPPA which protects my information in details. they have sent me a breakdown of the fees and patient report history which is a violation of HIPPA I did not consent for third party to have access to my personal health information they are in violation and will need to remove these debts. From all reporting credit agencies and a letter of deletion. SCA collections for ( XXXX  XXXX in the amount of XXXX and City Of XXXX for XXXX ) needs to be deleted again in violation of HIPPA.

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 2018-04-12
Company: AMCOL Systems, 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: Information belongs to someone else

Complaint:
Who is the man or womanclaiming i owe the alleged debt.yhis infotmation is fraud and inaccuate and it is causing me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a scam that I did not know was a scam. I met someone on a dating site and they said they were in XXXX Military person who said he was trying to get to the US. 
He said he had a credit card that had millions on it and he needed my help in getting the card to US. He would give me money if I helped him. I feel so bad about what happened. I understand that I was fooled by this. 
I should have never got involved but I did. My bank was WellsFargo and I sent money to an individual who I think is XXXX XXXX XXXX from Virginia. Money was sent thru XXXX. 
I contacted a detective from my county which is XXXX XXXX in Maryland. WellsFargo will not give up any information and XXXX said they have no record of what was sent. Detective couldn't help me. 
I have the transactions outlining what was sent and received. The email address I used to send to XXXX XXXX was XXXX. Between the two banks someone has to know who received the funds. I was told to use XXXX on the account which was told by the scammer because his name is XXXX XXXX XXXX. Of course I would love to get my money back but the main thing is to catch this scammer to stop him from doing this to someone else. I have attached the transaction sheet. The scammer verified with me that he did receive the funds every time I sent 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 2020-06-03
Company: Monterey Financial Services LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased an item for {$450.00} approximately from an online store offering 3 months same as cash payments. However when I was unable to pay off the loan in 3 months, a monthly payment of {$49.00} started occuring out of my bank account. Assuming there will most likely be a higher than normal interest rate ( 20-30 % ) I did not make a big deal of it and let the payments continue. The payments have continued from XXXX to present. Since i've made almost {$400.00} in payments, i logged in to their website to check what remains of my balance. I was surprised to see that i still owed {$480.00} and each month 's payment, only $ XXXX {$11.00} was applied to the principal. According to my calculations, this interest they are charging is close to if not 100 %. I never agreed to such a ridiculous rate and consider this predatory. There have been no attempts to contact me other than emails telling me when the payments would be debited. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are trying to refinance the mortgage due to income loss. We deliver all income statements and credit report and in XX/XX/2017 the bank denied the mortgage pushing us to foreclosure. We went to the court and the court decide to send us back to the bank for negotiations. As of XX/XX/2017 we did this process all over again and the bank keeps taking hard inquires and reporting late payments with no solution. We can not make payments because the bank doesnt permit until solve the case. We are affected without solution. Please help us.thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a Amex new business card but a personal card was approved instead in XX/XX/2018. I met all spending requirements but haven't received the promotion of XXXX points of the promotion offer. An explanation letter was mailed to me to explain it was due to a tech error for opening incorrect account in XXXX. I request the promotion offer be honored because of Amex system mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, MI XXXX XXXX Account # XXXX, XXXX Funding Account # XXXX has violated my rights. 

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

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 2019-11-07
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My lender informed me this was on my credit. Interfering with my ability to purchase a home. I have not heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I received two transfers to my paypal account. One was for the amount of {$4300.00}, and the other was for the amount of {$8400.00}. The total amount deposited was {$12.00}, XXXX. This money was for the retroactive payment of my unemployment benefits that I have been desperately awaiting to support myself and my family. On the same day I initiated contact with PayPal and was sent to the message center at paypal for my only point of contact. I have been speaking with PayPal agent via the message center on a daily basis during which time they have requested me to transmit various pieces of information to verify my identity such as bank statements from the two credit cards attached to my PayPal account, a copy of my CT driver 's license, and verification of where such large deposits came from ( my unemployment document ). Now after one week of playing this back and forth game with them, today they messaged me to inform me that they will now send all of my information on to their " back-end '' agents and that they will email me their " decision '' within 72 hours. This is absolutely unacceptable. These funds were issued by the government to me because I am in need of them, and I have already waited many months to receive them. Now paypal is forcing me to wait even longer to access my funds when I have complied with all of their demands. I would like to file a complaint against PayPal for this reason. I have attached a copy of my unemployment payout/ benefits description so that you could see that it matches the total amounts that were deposited into my account on the date of XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: 1st Franklin Financial Corporation
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


1ST FRANKLIN FINANCI {$1000.00} XX/XX/2013 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