BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under Southwest Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 PORTFOLIO RECOVERY Associates Reported a collection account on my XXXX   report. Please keep in mind I disputed this collection ( {$270.00} ) With XXXX  and it was deleted as of XX/XX/19. This collection account also shows up on my XXXX report which I am also disputing. They will not remove it from my XXXX  report and I fear the same will happen with XXXX. This is not my debt and I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a checking account, with a check card/debit card, and credit card with Bank of America for 18 months. I have always maintained my account ( s ) in the utmost financial responsibility. I have never had a late charge, over draft, missed payment, retruned deposit, or any other problem. My average deposits have never dropped below those required to maintain my account.

To the contrary, within the past 30 days, Bank of America has increased my credit limit from {$1000.00} to {$3000.00} without having requested it. The bankpersonell at the branch on XXXX in XXXX have praised my account and have been trying to get me toengage in other bank services. 

Social Security deposits my m, onthly benefit every month into this account. 

Out of the blue, with no explanation and with no reason, I received a letter from the Bank stating that my account ws being closed, incldiung my credit card for which I was just 3 weeks ago charged a yearly renewal fee, in 3 weeks. 

The Branch Manager and officer told me that they could find no reason for such action, and felt it was wrong, but could do nothing about it. No one can give me a reason for this action which will severly and adversely impact me and my SSA payments. 

This is egregious and wrong. By the way, I do not have a copy of the letter because the Bank Branch Manager has 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 monetary relief
Consumer complaint received 2018-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the XXXX XXXX XXXX in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports on XX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I logged into my debt summary for the XXXXXXXX XXXX XXXX and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Nelnet, Inc.
State: AZ
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 in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which Great Lakes has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act.

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: P&B Capital Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is related to existing complaint # XXXX, and its a revision to complaint # XXXX. XXXX XXXXXXXX XXXX outsourced a debt collection to P & B capital on their behalf, I attached the original collection letter that was dated XX/XX/XXXX. 

I have listed the 3 problems below!

1. As you can see in the letter it has complete XXXX XXXX listed as the current creditor. Complete XXXX XXXX has never lended me credit, they are a debt collector not a credit lender. 

2. I have attached the debt verification letter that I sent back to P & B capital and XXXX XXXXXXXX XXXX on XX/XX/XXXX. NO VERIFICATION WAS EVER COMPLETED OR SENT by either company which is documented in the original complaint # XXXX. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) clearly states after ignoring a written request to verify the debt which they have 30 days, they can no longer continue to try and collect on that debt.

3. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) also states after receiving a written dispute the collector must stop collecting on the debt until verification is received. XXXX XXXXXXXX XXXX also violated this act by reporting a negative debt on my credit reports on XX/XX/XXXX. 

I spoke with a woman this morning XX/XX/XXXX from XXXX XXXXXXXX XXXX via phone call. She confirmed that they were using P & B capital to collect this alleged debt for them, this means the same rules and timeline that apply to P & B also apply to XXXX XXXXXXXX XXXX. P & B capital has still yet to respond to CFPB complaint XXXX regarding this matter, which they are legally obligated to. XXXX XXXXXXXX XXXX and their hired partner P & B capital have broken multiple rules and are continuing to act as if they are immune to the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage that originated on XX/XX/2019. Since that time I was NEVER late with any payments. However I had late fee of {$25.00} posted to my account. I called company several times and the answer was we can not do anything about it. I also called mortgage company that initiated my mortgage XXXX XXXX, and they tried to reach out to Mr. Cooper also multiple times, with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Square Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a cash app card provided by XXXX XXXX. I went out of town and lost my cash app card and the next day there were fraudulent charges totaling {$2100.00}. I contacted the company they took forever to respond to me they had no live agent help over email and XXXX  they were extremely negligent and not helpful at all. I explained the situation and what occurred and they had no response to anything I explained they simply just denied my claim and said that the card had been used and the PIN was entered. They don't know that my tablet was also in my bag that had my card and that most of my financial information is listed there. Regardless they showed that they could care less responded late and very vague and never addressed anything I sent them simply all they did was ask me a few questions and I responded and that was it I felt like I was talking to a robot everything that I mentioned that did not have to do with the questions they asked was disregarded and ignored. The fraudulent charges all occurred on the XXXX of XXXX. The first one was for {$970.00} followed by another charge for {$53.00}, and {$400.00} and {$87.00} and {$54.00} and {$580.00}. The company told me the decision is filed and pretty much has not offered any live support and ignored all my emails and never responds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo refuses to close acct, always coming up with another excuse then tries to ding me for overdrafts from subscription services the ex wife has and has not closed.

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 2020-06-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX and I have a safety depoit box at Citibank in XXXX. Due to Covid-19, the bank has been " temporarily closed. '' However, although other banks and businesses in the area have reopened, this bank remains closed and no one has answer as to if and when they will reopen. It is very frustrating for me because I have belongings in that box that I need to access but am unable to. I have called the branch, nearby branches that are open and I even called the 1-800 customer service number but no one has answers. At this point, I need answers and would like to withdraw my belongings and be done with Citibank.

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 2018-06-29
Company: Automated Collection Services, Inc.
State: AL
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:
After disputing a debt from a collection agency company named Automated Collections over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from Automated Collections. I have directly disputed the credit bureaus XXXX, and XXXX about Automated Collections claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus XXXX, and XXXX with no knowm resolve as well. I have sent certified mail to Automated Collections on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either Automated Collections nor the credit bureaus XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Equitable Acceptance Corp
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been reading further into Equitable Acceptance and XXXX XXXX. I've heard they are a scam and I want to know how I can get out of paying them money each month for dealing with my loans. Any information would be helpful. Thank-You in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly advised wellsfargo that they are escrowing for the wrong amount on my homeowners insurance. they are withholding for a {$2200.00} yearly premium and the actually amount which is attached is {$1300.00}. I would like a refund of the overage asap and for them to recalculate my monthly payment based on the correct escrow amount.

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 2019-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CAPITAL ONE BANK USA NA Closed : XX/XX/XXXX {$910.00} Closed Overview You're currently using XXXX % of your account 's limit. 
Balance {$910.00} Credit limit {$500.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$910.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX this card was in my name but not me from what I see they can't find me under my social security number my last 4 digits is XXXX I'm pretty sure that's not what they have so that can't be me this has to be some kind of fraudulent account opened in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been a XXXX XXXX for 16 years. I made my payments on time with a goal of having loan forgiveness due to being in a public service position. During all of my years with Sallie Mae & Navient, they told me about having to make all payments on time, however, I was never informed that I had to have my students loans moved into a PSLF loan until about a year ago. So now, I would have to apply for PSLF and pay off another 10 years. Ill already have them paid off on my own by then. So frustrated and so disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX provides casualty insurance payment and repair verification for Freedom Mortgage ( FM ). No problem here, lots of companies use third-party contractors. 

What is a problem is that they fail to disclose their relationship with FM - that they are a contractor. Compounding this deception, when queried, they will not disclose that they are in fact not a department of FM, but rather a contractor. 

It is axiomatic in the financial world that you must know your counterparty. Here we have a company - XXXX - with annual revenue of XXXX XXXX Dollars - concealing their true identity. Quote from today 's conversation at ~XXXX XXXX. 

" We are the insurance claims processing department for Freedom Mortgage '' Financial fraud is insidious - particularly in my age group XXXX+. 

XXXX XXXX and Freedom Mortgage should both be required to disclose the entity with which the consumer is dealing with. Anything less is an invitation to fraud.

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 2019-03-19
Company: Adler Wallach & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 I sent them dispute to validate debt. 
They responded without enough information to prove the debt was owed. 

XX/XX/2019 I sent the notice of not sending me required documents I requested to validate and have not received anything since. They are still reported to the credit bureaus and increasing the balance while the debt still has not been validated Therfore they are violating my rights and giving my credit score a negative impact to establish credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
been with American express many years went to XXXX XX/XX/XXXX ny we all got sick food posinoing. noticed am ex they said it would be disputed typically they are the best at disputes protecting the customer. I just called today its Still on my bill I am put on hold for an hour while he researchs it with no respect for my time. my time matters. why is it still on there? HELP get it off. I did call restaurant. get the XXXX dollars off my bill

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12
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 is missing that should be on the report

Complaint:
I do not have a specific dates, but I was added to my mom 's credit card as a authorized user and it is not showing up on XXXX or Experian and I would like it to be reported accurately. XXXX is reporting the information correctly.

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have three wire came in on XX/XX/XXXX and XXXX, they charged me for {$15.00} each wire transaction without letting me know ahead, that's fine. Then they have blocked my own funds for over a week now without any reasonable explanation and notice, I have called on XX/XX/XXXX, XXXX and XXXX for over 5 times everyday, tried to solve the problem. HOWEVER, they just keep telling me to wait for the sender 's banks responses! I have known the sender for many years, he has contacted his bank almost everyday last week to provide responses to Bank of America. But they still put hold on my own money! I think this is totally doesn't make sense and unfair! They don't have any right to put hold on my own money for over a week, their service and representatives are not helpful at all!

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 2020-07-06
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My card was stolen and I reported the card on XX/XX/XXXX and I received my replacement card last week however the funds in my account have not been deposited since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi my name is XXXX XXXX I am contacting you because once again XX/XX/2018 XXXX  credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.

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