BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XX/XX/2018 XXXX AM originating from XXXX ... call after advising them already that a ) calls before XXXX AM are not permitted and b ) to stop calling me several times per day as I have the information needed via an email and it is a matter concerning my child that I need to review with my ex husband to pay. 

XX/XX/2018, XXXX XXXX call originating from XXXX, CA. Again advised to stop calling me. Contact at XXXX XXXX name was XXXX. 

XX/XX/2018, XXXX AM, call originating from XXXX, CA advised them to stop calling XX/XX/2018, XXXX AM, call originating from XXXX, CA, advised again to stop calling XX/XX/2018, XXXX PM, call originating from XXXX, CA advised again to stop calling XX/XX/2018, XXXX AM followed by XXXX AM call originating from XXXX, IL violating no call before XXXX AM and advised them of this and to stop calling XX/XX/2018, XXXX PM call originating from XXXX XX/XX/2018, XXXX AM call originating from XXXX, IL violating no call before XXXX law Saturday, XX/XX/2018, XXXX AM call originating from XXXX XXXX, CA XX/XX/2018, XXXX AM call originating from XXXX, CA, advised to stop calling XX/XX/2018, XXXX AM call originating from IL, violating the no call before XXXX AM XX/XX/2018, XXXX AM call and XXXX AM call originating from IL and CA That is merely one week of call log that is stored on my phone, this has been persistent and request made to stop calling. Additionally, twice I have had the experience of their representatives insisting that I could not get off the phone until I made a payment. One representative inferred that a payment of {$42.00} TODAY would satisfy the account as though the debt of {$870.00} would be satisfied. When pressed, he stated he needed a credit card number from me today to take a payment and that it was not an offer in compromise. 

This company is harassing me to no avail and will not respect the law of not calling before XXXXAM and not calling multiple times per day after I have requested that they stop and correspond via email only.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I discovered last year that I'm a victim of fraud from Bank of America who has been collecting since XX/XX/XXXX for a mortgage loan that they do not own. You can see the various complaints that I filed through your agency to force them to answer my questions. I have just received copies of fake documents with contradictory information. Based in that information I found out that the alleged loan was converted in to a bond and sold to a wall street trust that ceased to exist since XX/XX/XXXX. Furthermore, the alleged pretender lender named in the trust deed was not the lender, the source of the monies. He was a straw man, who received a commission to pretend being the lender. In addition the true source of money for this alleged debt were the multiple investors of wall street trust, XXXX XXXX XXXX, that as I said before do not exist since XX/XX/XXXX, whose investors were paid in full from the insurance, and also from the 30 trades of the same mortgage in a pool. For the above reason, the note and trust deed are invalid, void, because they arised from fraud. 
I'm current in the payments, because I wanted them to negotiate before rescinding the never consumated alleged loan. But Bank of America is not responding to the QWR SENT to them from my attorney. They received the request of information since XX/XX/XXXX, and up to today, they have not responded. Please see the attached QWR that they received on XX/XX/XXXX, and the tracking number from the US Postal services to confirm. Also The subservicers XXXX XXXX, who collected from XX/XX/XXXX to XX/XX/XXXX, and XXXX who collected from XX/XX/XXXX to XX/XX/XXXX under Bank of America are also co-conspirators.

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 2019-05-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Why does the CFPB and the Federal Govt permit credit card companies from charging interest rates that many would consider to be usary? The Fed Funds rate is currently 2.5 % and the XXXX  Prime Rate is only 5.5 % while many credit card companies are charging rates in excess of 20 %. Is 14.5 % or more over prime really fair? Mortgage companies have rate caps to prevent usary, why not credit card companies? I've seen credit cards with rates >24 %. How can this be permitted?

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 2018-03-16
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Were writing requesting your assistance in disputing fraud billing from Specialized Loan Servicing LLC for a property which is not owned by us as it has changed ownership under a court ordered Receivership on XX/XX/XXXX The property in question is XXXX XXXX XXXX located in XXXX, Massachusetts. This property was surrendered under Chapter XXXX bankruptcy on XX/XX/XXXX and since then, no payments were made on the previous outstanding mortgage. Please be informed that since XX/XX/XXXX through XX/XX/XXXX the mortgage on this property has been sold numerous times to different lending institutions. SLS claims that we still owe them {$150000.00} and refuse to acknowledge that the property was sold to XXXX XXXX on XX/XX/XXXX under a receivership sale approved by the Housing Court/Commonwealth of Massachusetts. As the property was surrendered under bankruptcy and subsequently was sold by the courts, SLS should cease all billing and correspondence to us.

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 2021-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA closed and removed my complete credit card history in retaliation of filing disputes of fraudulent charges in 2015. Instead of removing fraudulent charges of over XXXX occurring after I paid off the balance in full in XXXX or XXXX of 2015 with money from refinancing a mortgage, they removed my complete credit history which was in good standing and at a XXXX balance. Why would my good credit history be removed all together? 
By doing so they have caused my good credit history length to be reduced as well as the good payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank Of America/XXXX XXXX Representatives told me that if I have a combined amount of {$50000.00} in my BofA and XXXX Accounts, I would be able to do 20 monthly trades for free, and after 3 months, I would receive a {$200.00} cash reward. I put {$60000.00} to my BofA account and transferred {$10000.00} to XXXX, and did not touch the money since then. 

Upon calling after 4 months, they said that it will take time to receive the cash reward, and upon calling after 6 months they said that at least {$20000.00} of the combined amount should have been at XXXX XXXX, and because of that I did not receive it. They told me that they would fix it and get back to me asap, but they did not. It has been another 3 months now. 

I think this was a mis-representation/misinformation on their side and they did not provide accurate/clear information to customers. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: LEXISNEXIS
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:
LEXIS NEXIS REPORTING PUBLIC RECORDS THAT I. OPTED OUT OF FTC VIOLATIONS BY LAW I HAVE THIS RIGHT!!!

REMOVE ALL PUBLIC RECORD INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A XXXX  in the XXXX  tried to open an account at Navy Federal Credit Union on XX/XX/XXXX using my identity along withba cell number not even mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother, XXXX years old, impaired, was a victim of fraud. She went to Citizens and had them attempt a wire to the fraudster. The wire failed, and Citizens knew the reason for failure was high suspicion on fraud as noted by their fraud agent. It was an attempt to wire to a XXXX year old man, whos account was just frozen. Further, they sent this wire, with my mother name and with my name ( now exposing me to this fraudster ). I am a co-signer on her account. They never told my mother of suspicion of fraud, and as she thought they just couldnt do what she thought she needed done ( dire need she was lead to believe to help her grandson ), and she preceded to withdraw her life savings in two {$25000.00} increments. Her initial visit to Citizens was on XX/XX/2019. Follow on visits twice to make these large withdrawals on XXXX and XX/XX/XXXX or there abouts, and at no time did Citizens help or advise her of fraudulent activity against the elderly. At no time did they contact me though, they had no issue putting my information on the attempted wire without my permission. My mother went down the street and made the wires unfortunately. She had never touched her savings before, never did these kinds of withdrawals, never did a wire. Citizens should have been forthright with the info on the attempted wire to alert her or call me to avoid what apparently was obvious fraud to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Credit Technologies, Inc.
State: IL
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:
Ran a check on my credit. Found numerous credit inquiries. Trying to buy a home but can not because I keep getting unknown inquiries and don't know how to stop it. Also, I think mortgage companies may have ran my credit more than once within a 120 day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ALLIED COLLECTION SERVIC Last reported XX/XX/2019 {$890.00} Open balance XXXX XXXX XXXX creditor

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern, My name is XXXX XXXX, I am writing to request that the following items be immediately investigated. If inaccurate, they must be removed off my credit report. According to the Fair Credit Reporting Act, I expect you to complete this investigation within 30 days. 
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX _XXXX  XXXX These name are incorrect . Please delete it **Address reported** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX These addresses are not belong to me. I have attached proof of my current address below. Please delete it. 
**Auto loans** XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I never receipted any credit or loans from this company. Please provide full document. 
**Student loans** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it _XXXX   XXXX XXXX XXXX Reported : XX/XX/XXXX This account state that I was late on XX/XX/XXXX. However, I paid on time, it's inaccurate. Please provide payment agree or delete this account. 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it!!! 
_DEPT OF ED / XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. The credit bureaus even did not update an remarks which violated " Metro2 Credit Report Compliance ". Please provide payments agree or delete it!!! 
**Hard Inquiries** XXXX XXXX : XXXX XXXX, XXXX This isn't mine, delete it!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. As of this date ( XX/XX/XXXX) I have not received responses to letters sent to XXXX XXXX XXXX XXXX ( UAS ) ( 1 ) Letter addressed and mailed to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WI dated XX/XX/XXXX ; and ( 2 ) Letter addressed and mailed to XXXX XXXX XXXX XXXX XXXX, IL dated XX/XX/XXXX 2. The lender XXXX XXXX XXXX XXXX XXXXs ( XXXX ) states it is the responsibility of the borrower to confirm enrollment status directly to XXXX  at least once a year and the repayment policy is a three-month grace period after graduation and/or ending attendance in school. XXXX   appears to apply the end of grace period each XXXXXXXX   semester which is inconsistent with the provisions of the loan.

3. Communication notices from XXXX  do not provide dates when the document is sent and some notices are received around the same time which does not allow for timely response.

4. XXXX erroneously reported to CRAs the account is past due when I was currently enrolled in school and had provided documentation to which they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: CA
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INTIAL RESPONSE XX/XX/2021 30 DAY RESPONSE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$190.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Tower Loan of Mississippi, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX Towner Loan in XXXX, Missouri called my phone 7 times in A ROW in the middle of my work day. By the 8th phone call in a row, literally back to back, I stepped out of a meeting and answered and asked them to stop calling. HE LITERALLY CALLED back immediately after I hung up. I blocked the number so I could get back to my meeting. The next day I left a voicemail with XXXX XXXX, the regional manager, explaining my frustration and asked him to call me back. I never heard back from them but received numerous calls the following Monday and Tuesday from a different phone number but from Tower Loan. When I asked one of the employees ( XXXX or XXXX ) for the corporate Tower Loan phone number they gave me the phone number to XXXX XXXX but still couldn't provide the corporate number. I XXXX and found the number myself and told them the situation. Within ten minutes XXXX XXXX finally called me back after I'd left him a voicemail about them calling 8 times in a row. XXXX has been calling my family members every other day even though I have been in contact with him the whole time. 

They are contacting me about an account that I told them someone else opened someone else stole my identity and I have filed a police report and Tower Loans knows all of that information and has used this tactic of calling me 8 times in the middle of my work day. 

numbers they have called me from XXXX Blocked this number and asked not to be contacted XXXX Blocked this number and asked not to be contacted Still received calls from these numbers XXXX 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 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
The following closed student loan accounts are all over a decade old yet keeps reappearing on my credit report. According to the FTC, they must be removed as they are too old to be on file. Remove these from my XXXX credit report immediately. 



U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/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 2019-10-06
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:
Noticed fraudulent inquires on my Experian, XXXX, and XXXX   reports. Have mailed in multiple dispute and still see the inaccurate/fraud inquires, XXXX XXXX 1. XXXX/XXXX 2.  XXXX 3, XXXX 4 XXXX XXXX XXXX 1.XXXX 2 . XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6,  XXXX 7. XXXX XXXX 8. XXXX XXXX 9, XXXX  XXXX 10. XXXX XXXX  11.  XXXX 12. XXXX XXXX  XXXX Experian XXXX 1.XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX 4.XXXX XXXX 5 , XXXX XXXX  XXXXXXXX XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10.XXXX 11 . 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 2019-05-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good morning, I have been a member with Chase Bank for quite some time. I have a number of transactions on a regular. Owning over five websites, XXXX stores, along with XXXX stores. Most payments come into my XXXX account. However whenever a check payment is made it goes to Chase Bank. This is my hard working business. Recently a customer purchased a furniture set and other appliances. I pay the suppliers and they ship the products out. After the check was deposited and cleared my account became restricted. Not being able to make ANY payments for any bills. Ive contacted Chase bank. The customer Ive also contacted to call Chase as well. Ive been assured the funds are available from the customer. This is not fair and is inconsiderate of a Bank to treat hardworking members this way.

Company response to consumer: Closed with explanation