BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: General Motors Financial Company, Inc.
State: VA
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:
I had an account with GM Financial from XX/XX/XXXX - XX/XX/XXXX. Account number XXXX On XX/XX/XXXX The account was paid in full. 
Since payment, GM Financial has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! 
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion did not do a proper investigation as they said they did. XXXX has confirmed they have been reporting incorrect information and the accounts should be deleted for incorrect reporting. non compliance with investigating when I asked them for months to do so. they did not insure all information was correct and complete as per FCRA

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 2019-04-09
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a PMI removal request to my servicer ( Flagstar ) on XX/XX/XXXX. They have failed to take action on it as of XX/XX/XXXX. I have contacted them multiple times attempting to get them to do their job. 

I believe they are stalling so that they can cheat me out of additional PMI payments. 

Flagstar continues to stall by saying the request will be reviewed in 24-48 hours, and then not taking action.

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 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We have a safety deposit box in the Bank of America XXXX MA branch on XXXX XXXX. We were not notified of the branches closure and we can not gain access to our safe deposit box which contains our car title and our money. We have sold the car. It is going up for auction tomorrow and we need to produce the title today. We have tried to get a hold of someone all week and have not even received a response. We will be responsible for the cost of the car if we can not produce the title. We also have funds in our safe deposit box that we need access to and Bank of America is not allowing access to our money. Their email box is full when we try to email. nobody returns our messages.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion and XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

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 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I took a loan out XX/XX/XXXX i paid XXXX down and I made every payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX however yet XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments does not reflect on the account. When I call them and spoke to them they told me my first initial payment I made which was XXXX dollars thats something you have to work out with the dealer I ask them about my other payments which is the XX/XX/XXXX and XX/XX/XXXX payment of XX/XX/XXXX they stated we dont see that inside our system so I. Other words I didnt make a payment until XX/XX/XXXX but I took the loan out in XX/XX/XXXX. Something isnt adding up they are using excessive loan practices also fraudulent loan practices. I am not Lian they are trying to take advantage of me and have me trap inside of a loan that I been faithfully paying I am a member of XXXX XXXX  which is aflilated with XXXX and I would really like for somebody to help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am disputing the Foreclosure on my property at XXXX XXXX XXXX XXXX XXXX ga. XXXX by Select Portfolio Servicing. 
I'm told my loan is part of the XXXX XXXX  XXXX XXXX XXXX Mortgage Backed Notes XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX. 
I have asked Select Portfolio multiple times for information on the trust, so I know it actually exists, and all I from the in a statement that it is owne by XXXX XXXX XXXX XXXX XXXX ... no other information other than that. 
I have tried to research my self and find no current record of it, I have called XXXX XXXX XXXX XXXX XXXX myself and they refer me to XXXX XXXX, when I call XXXX XXXX I run into a dead end as well. 
Since Select Portfolio is collecting on this trust I would imagine they would have all the info I need to make a move on recovering this property, yet they seem more interested on foreclosing. 
I have submitted to dispute letter both to CFPB as well as Select Portfolio for information on this trust and am currently waiting on an answer. 
My foreclosure date is less than two weeks away and I request it be postponed due to the fact that I am lacking information to get this loan back on track. 
I have interested parties to purchase the property based on the information I get back from the dispute and I need time to act on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Chase bank charged over {$3000.00} in Corporate Advance fees to maintain the property in XX/XX/XXXX and XX/XX/2018. There were fees were for " mold removal on siding ''. I called Chase and requested a receipt showing that the company that removed the staining was Mold Certified in the State of Texas ; they were not able to provide any information. The itemized bill states Mold Removal, but I do believe only Mold Certified companies are able to identify mold. 
We brought the mortgage up to date in XX/XX/2018, They also paid over {$1000.00} for vine removal. We were going to clean up the house, we just had health issues to deal with. We made a large payment in early XX/XX/XXXX to bring the mortgage up to speed and they claim to have change the locks in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted Nelnet on XX/XX/XXXX to start setting up a repayment plan. The loan advisor set me up with a pay as you earn payment plan and helped me set up my automatic payments of $ XXXX month. In XXXX my payment never went through. I contacted the company which then told me that none of that had actually occurred and their record only shows a note stating that I had asked for a " Forbearance. '' It was discovered that the loan advisor that I spoke with stole my information and used my identity to set up payments that were taken out of my account and given to a fraudulent company. I no longer feel like I can trust their company since they did n't even know that one of their employees was committing fraud. I also want the {$690.00} that was stolen from me given back. I have pulled my phone records and bank statements. My bank, XXXX XXXX, is also not helping me in any way. I have contacted the bank several times and I have contacted Nelnet a couple times including todayXX/XX/XXXX. My money was being sent to " XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

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 2020-01-18
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I own a joint savings account with my teenage sister with the intended reason of giving the funds to her once she went to college. However, we relocated from California to  XXXX, in which, to our dismay, we discovered there are no Citibanks. Since moving, I have tried contacting Citibank multiple times in order to have my account closed and the funds sent to my new address. Because there are no Citibanks in California, I have had to do all of this via mail, based on the information I have obtained from them over the phone. 
This issue with Citibank has been ocurring since approximately XX/XX/2019. We had not used the account for some time, therefore, the first step they had me do was reactivate the account, which I did. After that, I followed up with them and the account had in fact been reactivated. Then, they had me send a letter to Citibank in order to close my account, which I did. I was sent a letter back saying they required of me the account number, which I did not have on hand. However, based on my phone call prior to send that original letter, the employee over the phone told me it would suffice if I sent them the social security numbers of the owners of the account, which I did. I was perplexed when I received the letter from Citibank stating that they could not close the account. 
I called Citibank again, this time the first employee told me I had to have the letter notarized, something they had not told me before. I was so profoundly upset, I then asked to speak to the supervisor, who then told me that this information was not true and I did not need to ahve the letter notarized. Luckily, during this time period I was able to locate a statement I had amongst my papers. I was so grateful at this moment. I went ahead and wrote another letter including the account number, and also had the letter notarized. I received another letter saying that the account had been closed! I never did receive a check. It is important to note that I did have my address changed with them as well, so I was expecting to receive a check in the mail. To this day, I have not received the {$490.00}. It may not seem like much, but they are funds we have worked for to put aside for my XXXX-year-old sister and I expect them to be returned to us, as it is our money. I have made phone calls and sent letters but I have not been helped as expected. The information I have received has been inconsistent, making me provide personal information only to not have been my request resolved. I understand that my information needs to be verified, which I have done. I ask that you please help us with this matter. 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 2023-01-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not have an auto loan with XXXX from 2019 to present. This is showing on my credit report and hurting my XXXX XXXX. It needs to be removed. And find out who did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSWORLD SYSTEMS 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:
Today at XXXX I spoke with TSI. On the call I asked them not to record my call ( which I also asked them in writing before the call not to record ). At XXXX I received another call from TSI POST revocation of consent to be contacted. I have told this company SEVERAL times verbally and in writing via USPS Certfieid mail to STOP CALLING ME and to COMMUNICATE BY MAIL ONLY, they don't listen and they break the law under the fair debt collections practices act as well. Further, they did not give a mini mirranda. I have attached all proof including prior CFPB complaints. I want this harassment to stop and I want them to CONTACT MY REPRESENTATIVE TOMORROW XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I am writing this complaint about a letter that was sent to me from a company called Credit Collection Services for a collection amount of XXXX. I reached out the company on XX/XX/21 and explained to the representative that this was not my account and they continue to proceed with collection. I did let them know that I do reside at this address but the insurance company is reporting the information incorrectly on my account. I already reached out to the former collection agency in which this account was first sold to and they removed all obligation to collect from my credit and personal record. This is reporting wrong on my credit on XXXX, XXXX and XXXX and I would like it to be removed..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Paramount Recovery Systems, L.P.
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:
I have sent various dispute letters via certified mail to have this debt validated or to be removed from XXXX. This item has been removed from XXXX XXXX and XXXX   months ago because they couldn't validate the debt. Please delete asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: MRS BPO, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have knowledge to this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 I logged onto my XXXX XXXX XXXX credit card account online to see if there was a bill due to be paid. My account stated that the amount of {$260.00} was due on XX/XX/XXXX so I went ahead and paid that amount. No where on there did it state that I was making an early payment if I paid on the day the bill was posted. I did notice when I was checking to see if my payment posted that a new balance of {$250.00} was due but I had clearly made the payment that was on the statement of {$260.00} which showed paid. So today which is XX/XX/XXXX I was charged a late fee of {$27.00}. I called and explained my situation and was told unfortunately because I made a proactive payment there was nothing they could do. I ended up having to dispute it. I spoke with someone named XXXX, who said it could take weeks to resolve and in the meantime I had to pay the {$250.00} or It would look as if I didnt pay my bill. I dont understand how they are legally aloud to post an amount due and a due date and when a customer pays they can say its a proactive payment!

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 2020-05-06
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
UCSB American is ( collection name ). I applied credit card citi bank on XXXX first 2020 I got denied. 
. I didnt know UCSB XXXX reported negative bills on XXXX XXXX to credit Bureau. I called collection that what is going on : A, been told that the debt has been 10years old and was this debt on desk that long. 
B, I feel violated my right that I didnt received 30 days writing notice while shelter in place and by the way I was self-isolated too C, I feel harassed because on the phone with UCSB on XX/XX/220 been told Good luck With big Laugh I called XXXX been told this is 10 years old account with XXXX balance. 
So why this agency harassing me and not fair to me also why now while shelter in place and struggling people with jobs and lost with loving ones, this not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been in continuous contact with Experian regarding updating my personal information. I have documentation submitted to me from their office showing that my personal information has been undated. My current address is still not reflected, information that was removed from my credit report is now back reporting, and fraudulent accounts that have been verified by myself and the creditor are still reporting. 

I have been in contact with their office via mail and phone and have received documentation that the inaccurate information has been removed. Only to pull my reports today and see that they are still reporting.

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