BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: Freedom Mortgage Company
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I began working with XXXX XXXX XXXX in XXXX of XXXX after they aggressively pursued a loan modification with me. They were kind and professional and all of the paperwork seemed legitimate. I signed some disclosures so that the company could speak with my current mortgage company and even sent them financial documents such as W-2s and bank statements. This resulted in me not receiving any information from my mortgage company throughout this process which caused me to miss key information that would have alarmed me of the issue. I received a letter from XXXX XXXX stating my new mortgage payment which was a XXXX  XXXX dollars lower that my initial payment. I was told to make the payment directly to them and theyd be paying my mortgage company. I was given an initial date of about 90 days out of when the process would be complete. The date continued to be pushed back and the continued to ask for post dated check payments 3 months at a time. By XXXX of XXXX I had made 8 payments of {$1600.00} to this company totaling to over {$11000.00}. I reached out to them in XXXX via phone and email and I could not get ahold of anyone. This raises another red flag since they had been so persistent up until then. Eventually I got a phone call back and I was asked to send another payment. I told them that I would not and I requested a refund because they were not doing what they said they would. I have researched this company and Ive found several complaints without resolution with the XXXX. I intend to get a lawyer to try and get my money back. This has caused me to come close to losing my home. The only thing that saved me is that the company requested a forbearance while they acted like they were doing a modification. I believe they pretended they were me but I am not sure. I am in the process of a loan modification with my actual mortgage company Freedom Mortgage who has been nothing but helpful. I owe about {$21000.00} to my mortgage company because of all of this. This has affected my credit and my ability to get loans due to the negative equity. I have never missed a mortgage payment before this incident. I am disappointed that XXXX XXXX XXXX has been targeting people during a pandemic which was an already low time for many. I am hoping that you all can investigate them and prevent them from doing this to anyone else in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX in XX/XX/XXXX for 2 semesters signing loans with XXXX XXXX. Then it was taken over by XXXX XXXX. For almost 5years they kept sending me Forbearance forms to put a hold on my payments for every six months. 
A few years after that XXXX took over and by XX/XX/XXXX my total debt had climbed too a tremendous amount of over {$82000.00}. I qualified to lower my payments with the IDR Program but after 6yrs now the balance had not decreased. XX/XX/XXXX FedLoan took over my loan because I am on the Forgiveness Program that after 120 months of payments FedLoan will forgive the rest of the balance. I am awaiting to get a respond from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/XXXX, I tried to open an account with XXXX XXXX in Texas. I was told by the officer that I could not open an account because I owed money to US Bank. The officer told me the exact amount owed to US Bank ( {$74.00} ). I called US Bank and was directed to the recovery department. That department told me about charges in a closed account. I told them that I was not aware of these charges. I asked them to send me a copy of the statement that contained these charges. After I received a copy of the statement, the statement showed that the account had been closed on XX/XX/XXXX and the balance was XXXX. And, the statement showed that there was a debit card transaction on XX/XX/XXXX to which I knew the merchant did not first obtain an authorization from US Bank. If the merchant had first obtained an authorization from US Bank, it would have been denied. The statement showed on overdraft fee and also showed a fee on the account which was NOT listed as a fee on the schedule of fees at the time I opened the account. When I opened the account, I was provided with " Your Deposit Account Agreement '' and with " Consumer Pricing Information ''. I consulted these two booklets and I believe that I have a strong legal case against US Bank. I called the recovery department of US Bank and thanked them for sending me a copy of the statement showing the charges. I was then asked if I was ready to pay for the charges that were due. I said no and stated that I had reviewed the terms of the Deposit Account Agreement and Pricing Information that had been provided me at the time of opening the account and I do not believe the charged are valid. The person in the recovery department said that it was not the correct department to dispute these charges. They directed me to contact the person who opened the account. I still had the business card of the person ( XXXX XXXX ) who opened the account and I called that person on XX/XX/XXXX. That person said that the branch manager was not there that day and that I would have to call the branch manager on XX/XX/XXXX. I called the branch manager ( XXXX XXXX ) on XX/XX/XXXX and she stated that the account was closed and 60 days had expired since the account was closed and therefore I had no right to dispute the charges. I explained to her that I had previously called the recovery department of US Bank and they were asking me to pay the charges. I told her that I believed that I had a legal right under federal law to dispute the charges and that the recovery department of US Bank had directed me to her to discuss the charges. She again restated her claim that I had NO legal right to dispute the 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 2019-11-08
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello, This debt collection company called AFNI Contact Us XXXX Toll Free XXXX Afni, Inc. 
XXXX XXXX XXXX, XXXX, IL XXXX Manage your Account Online XXXX AFNI keeps calling my number 10 times a day repeatedly almost every half hour from XXXX. Usually the numbers are all from ( XXXX ) area codes. The agents that call me sound like they are all from XXXX or another foreign country. It started this XX/XX/2019-Present. When I answer they agents ask for me and say they are collecting a debt but they wont say what the debt is for and they ask me for my credit card and personal information. I never received any written correspondence from AFNI via email or to my residential address etc. Ive never given them any other important info either but somehow they got my cell phone number and keep harassingly calling me everyday. The fact that AFNI has not given me any documentation on what I supposedly owe over phone or via mail makes me think this debt collection company is a scam. I would like it to stop. Ive told them to stop calling me because they dont give me any info as to what I owe. It seems illegal and they are trying to commit fraud. I could sue them for harassment and take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Experian Information Solutions Inc.
State: MO
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 AM A VICTIM OF IDENTITY THEFT AND I HAVE REACHED OUT TO CB 'S  MANY TIMES FOR HELP WITH THIS ISSUE AND THEY REFUSE TO INVESTIGATE PROPERLY EVEN WITH PROOF OF IDENTITY THEFT AND ALL THE OTHER INFORMATION I PROVIDED.

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 2022-03-14
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Contacted via text. Tried calling back not valid... XXXX. No other means of communication orbidrhtitu concerning alleged debt- in violation of fair debt reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: WELLS FARGO & COMPANY
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 noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Wells Fargo Dealer S XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 trans union company continues to report this inaccurate account in my credit file. I have done everything under the law to prove this account was open in a fraudulent matter with no response from the creditors and the trans union company. I've taken the extra step to attach my FTC and Police report in another attempt to clear my name.

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 2019-05-08
Company: BMW Financial Services NA, LLC
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:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Collection Resources, 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:
XXXX  has been non-compliant with removing the unverified account COLLECTION RESOURCES INC Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that COLLECTION RESOURCES INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX- this account has been disputed before yet these bureaus come back with " accurate ''. This can not be the case since I have my most recent report which shows XXXX showing NO LATES ; XXXX  showing 2 lates on XX/XX/XXXX & XX/XX/XXXX ; XXXX  showing lates XX/XX/XXXX & XX/XX/XXXX All three credit bureaus are reporting different information for this account. Since I have disputed the account before and got a generic response back I am demanding the immediate deletion of this account for the credit bureaus failure to do a proper investigation and continuing to report different information regarding the same account.

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 2018-10-02
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a late payment notice for non-payment of my XX/XX/2018 credit card bill with US Bank/XXXX XXXX, although I had made more than the minimum payment. The company mis-posted that payment to XX/XX/2018, although I had already made more than the minimum payment in XX/XX/2018 on the due date.

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: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sold an rare obsolete auto part on XXXX for {$450.00} to a buyer who turned out to be a scammer. He purchased another cheaper about {$50.00} item from me under different account that I didnt realized. I received payments on paypal and shipped items. {$450.00} payment came on 9/30 and so same say I shipped item priority insured with signature confirmation. Second payment came on XX/XX/XXXX and shipped first class mail. Both packages delivered to the same town and state. {$450.00} package signed by man on XX/XX/XXXX. And the other package delivered on the XX/XX/XXXX.

On the XX/XX/XXXX I received message from the scammer stating he didnt received {$450.00} item but the {$50.00} item with picture of the {$50.00} item on top of insured expensive package. Although XXXX suspended scammer accounts as it is was obvious he purchased both items and both items were delivered and he was trying to get money, he went onto paypal and opened the dispute there. I couldnt even respond to the dispute because of time out on their website then couldnt attach my documents ( pictures scammer uploaded on XXXX ; paypal dont communicate with XXXX and have no clue or interest investigating to make a sound decision ). I decided to call them and ask for alternative way to provide documents which they allowed. I emailed supporting documents and heard nothing. A day after that, logged in the resolution center and see that they allowed scammer to return {$50.00} item back but will refund him {$450.00} and they claim that I agreed to it while I specifically said no and asked for through investigation. Where is seller protection they mention? Where is through investigation? I submitted 25 pages of documents showing that this man is a crook and I shouldn't be liable for that. I paid close to {$20.00} to insure, require signature and ship priority to avoid fraud ( as required by paypal for seller protection ) and still I am to blame and will loose item and money spent to get it, my time to find this rarity, my postage. Where is justice? Did anyone in such high value case even looked at my supporting documents? Although I submitted them I see they were never attached. Paypal said they would fight for me. So what happened that they didnt notify me they allowed buyer to return item and when I log in I see they claim I agreed. Where is falsely advertised seller protection?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have attempted to receive a response by writing but i did not. Inaccurate late payments are hurting my score and according to 15 U.S. Code 1666b - Timing of payments ; they must be removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2022 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2021-02-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Wednesday XXXX XXXX around approximately @ XXXX XXXX  i receive a call saying they was Amazon and my account got hacked which i have to do a similar transaction in order to get an reimbursement thru via XXXX wire transfer and gifts card to security better security service. They said i wont get the reimbursing by the end of the day which it did not happen. I called my bank and the gift cards to let them know about these fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
BANK OF AMERICA CLOSE MY ACCOUNT BECAUSE I USE BILLED PAY TO SEND MYSELF CHECK. BECAUSE I COULD NOT GET TO BANK END TIME BY THE TIME THEY CLOSE. IN THERE CLOSURES IT DOES NOT SAY YOU COULD NOT USE BILL PAY FOR THAT.. I HAD NO CHECK FOR THAT ACCOUNT.

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 2022-12-01
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SUNRISE CREDIT SERVICES, INCXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX : ( XXXX ) XXXX Placed an account on my credit report without contacting me. They claim that I owe XXXX XXXX XXXX XXXX from 2011. I asked them to provide proof of ownership of original debt or delete from credit report, this account is past XXXX XXXX XXXX. I have never been contacted by this collection agency.

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 2021-06-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with WAKEFIELD & ASSOCIATES plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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