BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-30
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo send me a letter and saying that they will close my personal and business ( including savings ) account. When I call them, they gave me no explanation as to why they decided to close my accounts. I think they think something suspicious is going on but i don't do anything illegal. So, I think they are closing my account unfairly.

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 2020-10-13
Company: Flagstar Bank, N.A.
State: UT
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 writing the CFPB because Flagstar has not properly investigated this account. They are not looking into any information I am providing in regard to the erroneous late remarks on my credit report. 

This company has violated RESPA as well and I need this is be properly investigated. 

This is for loan number XXXX. Property address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX. 
This loan transferred from XXXX XXXX  to Flagstar Bank in XX/XX/XXXX. 
In XX/XX/XXXX, I informed XXXX XXXX  of an address change as the property address your company has on file is a Rental Property and we were not residing there. 
I was told by XXXX XXXX  that the address was updated. 
XXXX XXXX  transferred the loan without my knowledge to Flagstar in XXXX. I received no welcome call, email or letter regarding this transfer. 
I spoke to a representative named XXXX from Flagstar on XX/XX/XXXX and she stated she agreed that this was a solicitation issue and they did not properly inform me of the transfer. 
Flagstar is also violating RESPA as I have 60 days to pay anyways once it has been transferred. 
Flagstar responds stating this is accurate with NO OTHER INFORMATION. I have asked multiple representatives to explain how this is accurate and they are unable to. 
This is NOT accurate information AT ALL. I asked for call transcripts to be transferred from the beginning of XXXX from XXXX XXXX  to Flagstar because Flagstar can only see calls from XX/XX/XXXX to now. 
I attached my proof from USPS that clearly shows Flagstar was sending the information to the wrong address. This is an error by XXXX XXXX  since they did not change the address when informed. Flagstar also did not properly update this information. I was NEVER informed of this transfer and Flagstar can see I have never been late on this account until they wrongfully forgot to update my address.

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 2018-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I notice several hard inquiries that doesn't belong XXXX on XX/XX/XXXX __ XXXX on XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-08-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a simple problem and the document is the account itself. For 25 years we had a secure Savings account at BMO Harris, XXXX XXXX branch in which I also put my Social security. They always assured us that this was an account requiring two signatures as grand fathered in. All the statement from the Bank itself described the account as follows, this from XXXX XXXXand later assured the same they always checked two signatures on site. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Two signatures required** We were assured always and also specified a single exit in s document that no money could leave this account but to XXXX XXXX XXXX only Yet To My shock this bank transferred {$70.00}, XXXX from this account to some Fraud Online without an Ok from neither of us and certainly no two signatures required. This was a fraud, and this money should never have been released given the fact that the account title itself said that " two signatures required ''. That's the bank error

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 2021-06-21
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I requested from money lion to refund my credit builder plus loan funds totaling more than {$400.00}. All they said was that they cant refund it unless I finish paying it off, but I had recently quit my job to a hostile work environment, and dont see myself being able to get money to pay it off in the future. My self employment wont be enough to cover it. Also, Im not sure if this company is fradulent given I was charged {$110.00} on XX/XX/XXXX on my roar account, but I had already payed it off using my bank account. Also, there was hidden membership fees. It wasnt stated that Id owe an extra XXXX dollars twice a month in the user agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After looking at my credit reports I was shocked to see late payments while my account was in forberance. My account should be assessed late payments while in forberance. 

Is shows a late payments for : 60 Date Late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX I am not sure how this happened, I believe this was in forberance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There are two inquiries that were placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from XXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiries. I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.

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 2020-07-01
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is in regards to an on going problem this mortgage servicer has cause us a great deal of stress.The company name the The Money Source. We pay our mortgage payment every month. We never miss a payment. Me and my wife are current XXXX XXXX  so one day we decided to break up our mortgage payment in two equal payment so we could always pay our payment before our grace period. We only wanted to pay it this way because sometimes we would have different bills to take care of so this would help us pay the mortgage more comfortably I didnt want a full paycheck to go all on the mortgage so we decided to just break up the mortgage payment one payment in the beginning of the month and the other payment in the second half of the month the payment always came in during that month never 30 days late. The whole problem started we called in To make a payment I regret doing this. The computer did a better job at keeping our mortgage payments accurate. So one day me and my wife called The Money Source to make a routine payment like we would just normally do this one representative applied the partial payment towards the principal instead of putting the pavement in the reserve account. So long story short we found out that this error had occurred months ago we found out the next year which was too late for us to adjust the payment so so our mortgage payment had the status of always being past due. I just happened to look at the mortgage statement months down the line me and my wife are both XXXX  XXXX so we do not look at the mail that often we just set up automatic payments using our bill pay when we called in to make the payments on a monthly basis.When we discovered what was going on we contacted the money source spoke to many people from the money source one person was able to identify the mistake and at that time they trying to correct it but they said that it was too late the year had already closed and they could not adjust the principal balance.therefore long story short we are trying to get a refinance right now and this has come back to haunt us this payment that was incorrectly applied to our principal rather than a complete mortgage payment I need someone to help me as soon as possible im in the process of doing a refinance and if this is not fixed asap I will nit be able to lower my mortgage payment to a more affordable payment thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: R.M. Galicia, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a lease on a house. They ran a background check.Once I received a copy of my background check I realized there was a collection.The collection was from a Medical Bill .The hospital bill was from " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX '' the company that filed the collection is " PROGRESSIVE MGMT SYSTE Originally : XXXX XXXX XXXX '' .I reached out to this company and explained to them that I have yet to ever visit the XXXX XXXX , let alone XXXX. Ive never even been to California. They proceeded to tell me that this is considered identity theft. I told them to remove it and I was then explained how to file this complaint and remove the collection off my credit..I have already filed a police Report in the state of Florida the city of XXXX XXXX XXXXXX/XX/2021 - Case Number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: MS
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 have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..CFPB please step up and remove the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been trying to get money out of Marcus for over a month now. First I tried to wire to a third party escrow to close on a home purchase, the person on customer service took the wire information for the wire and said it would go out. I then got a call several hours later informing me that they do not wire to third parties only to accounts in my name, so I started a wire to my credit union. Then, because my credit union uses a third party bank for wires, they informed me that a wire was not possible. At that point I was able to get a person to send me a cashiers check, WAY too late to close on my house. ( I had to take a personal loan for my down payment from my mom to close ) So, knowing that it would be impossible to get money going forward I opened an account with a new bank and tried to wire funds to that account. Marcus then proceeded to lock my account and every time I try to call to get it unlocked they put me on hold while they attempt to contact someone in a specific department and 30-40 minutes later come back and say that no one is picking up. I have called multiple times and can not get my money now. The most recent call, they couldnt even find my account in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am attempting to use the XXXX app however PNC has apparently blocked me from being able to link my bank account to that app.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Are mortgage transferred to mr. Cooper also known as Nationstar in XXXX of 2019 we were not properly notified of the time of the transfer in XX/XX/2019 I received a phone call from mr. Cooper stating that I had a back balance owing and was I aware that our account and transfer. At that time I stated to them that I was not aware and that I wish to pay the amount up to date in full I was provided an amount and paid that day. I was done reported 30 days late to the credit bureau even though my payment after the transfer had fallen within the grace. I contacted them and submitted a dispute to which the updated the payments to on time only 30 days later to again report it as 30 days late I contacted mr. Cooper to inquire as to why I was 30 days late and they stated that I did not pay the XXXX payment on time I submitted a dispute on that which they did not update to on time since the ketchup payment in XXXX from the transfer I have made Regular monthly payments on time. I am trying to recuperate my credit after a devastating family situation and they should be more on top of things as far as when someone says I want to pay my account in full to provide them with the full amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Commercial Recovery Systems
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
CRS Debt collection of XXXX Texas keeps calling myself, my job and my family members up to 5 times a day. They claim I owe money from some kind of loan from 2009. They tell me someone is coming to arrest me, and use abusive language. I have no idea what the loan is for, and they keep calling my place of unemployment and family members over and over. The person today told me to be quiet and listen to him that I am going to get arrested.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-25
Company: Simon PLC Attorneys & Counselors
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receiving threatening letters from an attorneys office demanding payment of a debt I did not incur. No court documents or original documents or any verifiable information relating to alleged debt provided. No outstanding debt amounts or any other information relating to this issue showing on my credit report. Letters claim that I owe a total of {$4300.00} indebtedness from two separate future receivables sales agreements that went into default on XX/XX/XXXX andXX/XX/XXXX.

I have never entered into any agreements of this type with these people.

Letters are from : Simon PLC Attorneys & Counselors XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, MI XXXX  For TBF Financial LLC Accounts XXXX and XXXX No information other than amounts of alleged debt and redacted account numbers were provided by the attorneys letter.

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 2019-08-30
Company: Experian Information Solutions Inc.
State: TN
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:
To Whom It May Concern : I am writing this complaint today because Experian credit bureau has violated my rights. I have sent them, on several occasions, letters to validate the debt that they allege that I have. They have not at any time resolved or answered the validation debt letter I requested from them, certified return receipt, within the 30 days allowed for them to do so. 



Experian sent me back a credit report after 30 days stating that they updated the information 3 times. I responded with a letter for them to validate that information and to provide me with the steps that they took to validate the information on the alleged debt 3 times. I knew there was no way that they could have validated the information with the Creditor because I had already sent out a letter to the Creditor asking them to validate the information that they are saying that I owe or remove it from my credit report pursuant to the Fair Debt Collection Practices Act. The Creditor failed to do that on several occasions themselves. The next step was to notify the credit bureau Experian to validate the debt that's on my credit report, which I did. They have failed to provide me with that information still today. I have been going back and forth with them for over 6 months and I still have not been given any information or validation of debt from the Creditor or the credit bureau. As you will see by the green cards I have attached, Experian has had ample time to do their job which they have not done. They have violated my rights on several occasions and it is not fair that they continue to get away with it without any repercussions. I would appreciate it if you could please assist me by having Experian follow the federal law which they have violated on several occasions. At this point in time they should have removed the information from my credit report when it was not validated or truly investigated in the 30 days that they were allotted by federal law. It is now been since the summer of 2018 and I am still in the same situation and they are affecting me from being able to provide a roof over my family 's head because of their disregard to follow federal law by keeping inaccurate information on my credit report without any validation. 

I have attached some green cards and letters that have been sent out to Experian I travel a lot and have ad some trouble finding some of the green cards and some of the letter sent. 



Please help me resolve this situation ASAP as I am very concerned that this will affect my family in ways that I will not be able to control. 



Sincerely,

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 2019-01-08
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted XXXX about this medical debt several times. I have told them that the debt was written off by XXXX XXXX hospital because Im a XXXX XXXX XXXX. I have secured a part time job and I need to pay to have this debt deleted. I can pay 40 % of {$490.00}, which is {$200.00}.

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 2018-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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/2018 I made an Bank of America online payment of {$4000.00} to a Bank of America credit card account that was closed. I meant to pay a Bank of America credit card account that is open. I immediately call Bank of America customer service and explained the error. I requested that my money be redirected to the open credit card account or a refund. I was given a reference number and told I'd receive a refund or money transferred to the open account within 3-5 business days. Since XX/XX/XXXX I have called customer service multiple times and each time have been told different time frames of when I should expect to see my money and I have visited two local Bank of America branches 3x and told the same thing. Each time Bank of America gives me different time frames and with no assurance that my money will be returned or applied to my open bank of america credit card account. During one visit to the Bank, I was told that I would receive interest for the delayed {$4000.00} refund.

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 2017-06-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
MySynchorny offers no interest credit but the statements are misleading in the minimum amount due claim. Only after pressing an online rep in a chat was I able to get accurate information. I have a transcript of the chat.

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