BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello,. 

I first received a letter from FCN dated XX/XX/XXXX. I immediately disputed this debt ( letter attached- XXXX sent vis USPS certified mail ) as this debt is not mine NOR did I agree to this debt NOR do they have any proof I owe this debt. 

I then received a second letter from FCN dated XX/XX/XXXX including some sort of statement of account ( attached- XXXX ). This statement did NOT verify the debt in any way. It did NOT provide any information I requested : -Documentation showing you have verified that I am responsible for this debt -Proof that I agreed to the debt you assume I owe I then sent another letter to FCN dated XX/XX/XXXX (  attached- XXXX sent via USPS certified mail ) stating that they had failed to verify the debt, thus requesting they stop attempting to collect on the debt I do not owe. 

Yesterday, XX/XX/XXXX I received a voicemail message ( not a recording ) asking me to return their call. In my letter dated XX/XX/XXXX ( attached- XXXX ), I requested them NOT to call me. Violation again. 

Today, XX/XX/XXXX, I received another letter from them ( attached- XXXX ) stating that MY documentation was insufficient and that I owe the debt. This is very ironic as I am using my LEGAL RIGHTS and THEY have FAILED to provide any verification as requested by me and required by law in my requests : -Documentation showing you have verified that I am responsible for this debt -Proof that I agreed to the debt you assume I owe I am tired of spending time, stress and money on a matter that is not mine. I am writing to you in hopes to get this removed immediately, without any further legal action. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I spoke to a representative on the phone about the collection agency, Credit Management LP, about the reporting of the account of my credit report. They investigated and found my accounts reported onXX/XX/2021. The call escalated to Supervisor XXXX XXXX who informed me that they had reported my account in error & it would be removed from all bureaus. He stated he took " full responsibility '' ' this error would be correcres by deleting this account from my credit reports. After filling disputes with the credit bureaus - the agency attempted to state there was no issue with the reporting. Which goes against what Supervisor XXXX XXXX told me on the phone XX/XX/2021.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX pulled my credit twice with in a 60 day period with out my authorization. I have not had business with XXXX for a while. 
They pulled credit on XX/XX/XXXX and XX/XX/XXXX. 

Its reporting to Equifax. I called to dispute on XX/XX/XXXX and they said it stays on for 2 years and they cant do nothing about it. I advised that this is inaccurate to my report and should of never been there in the first place. Since I no longer deal with them since XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have Bank of America checking and saving account since XXXX. 

1 ) XX/XX/XXXX, I found my bank account shows - {$790000.00}, I was shocked and thought my account was hacked. I went to local BOA branch ( XXXX XXXX XXXX, XXXX, DE XXXX ) immediately, the assistant manager Mr. XXXX told me that my account was not hacked, it was hold by BOA, and he help me to called BOA, but he did not get any useful information because his limits of authority. 

2 ) XX/XX/XXXX. My husband and I made an appointment with local largest BOA branch at XXXX XXXX XXXX, XXXX, DE XXXX we met Relationship Manager XXXX XXXX XXXX He called BOA and said my bank account was closed by BOA Risk disclosure department. my balance will be mailed to me by check in 7-10 business days. he opened a case number for me, the case number is XXXX 3 ) XX/XX/XXXX. 17 days passed, still not received my balance, I called the BOA to check the status of my case, I was told my account on fraud investigation and transferred to back office, they do not know what's happen, the whole process may take 45-90 days. 

4 ) XX/XX/XXXX, BOA client protection department called my husband phone number, at that time, he is in office, i am at home, but they did not want to talk to my husband. I have to call back BOA client protection department. The line always busy, I have to keep calling and calling, finally, operator picked up the phone and checked my case, and said my case is in Risk disclosure department, there is no update. I request talk to Risk disclosure department manager, finally a gentleman picked up the phone. I asked why BOA closed my account without any explanation. He told me when I open a new account at BOA, I signed a contract, BOA has right to close my account without any explanation. I am XXXX lady, English is not my native language, my listening and spoken English not good. But he spoke very fast, did not answer any question, just repeat and repeat BOA has right to close my account without any explanation. I feel so frustrated after talking with this manager, I feel discrimination, my heart beats super fast, my hands are very cold. I can not do anything in next few days. my XXXX  got Irregular, I do not want to eat and sleep. I have to see doctor on that weekend, and talk to XXXX. 

5 ) XX/XX/XXXX, BOA called me, told me my case was closed and will refund a check to me. The check amount is 1 % of balance. I asked when I can get the remain 99 % balance, they said there is no time frame to release it. My XXXX XXXX at that time. That is my 20 YEARS SAVING! 

I am just a civilian, I know nothing about bank fraud protection. Bank of America can NOT transfer their Operational risk and defects in their system and process to his client. I want to get my money back!

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 2021-02-27
Company: HUNTINGTON NATIONAL BANK, THE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
in XXXX I applied for a refinance with a new lender.since then I have contacted hunting Bank numerous times in an attempt to get the information required for my new loan. 

Huntingdon bank has repeatedly refused to release the important documentation my new lender needs to create the refinance loan.

I've tried numerous times to contact the customer support line in order to get this information released but they refuse to.

every time I've inquired on the status they've pushed back the resolution date they. At one point telling men it would take 24 business days to send a fax. They have also changed their " policy '' several times since XXXX. One day saying they can email information ; the next day saying they can't ; the next day saying any requests for information has to be sent in via fax and can only be returned to that same fax number ; the next day saying they can't send any information to third parties.

After submitting a formal complaint it seems to have made the situation worse and possibly restarted the entire process. at this point when I speak to customer service I can only be told that it is in the hands of the customer advocacy team and that they do not have a point of contact customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Coinbase locked me out of my account for no apparent reason, as nothing has changed on my end. They say I must " verify my identity, '' but all attempts to do so fail. I've tried to contact their customer service at least 50 times, even sent letters via snail mail. Their entire system is automated with no one live to assist. Coinbase has held my crypto hostage for nearly 8 weeks. Maybe it's gone by now & they've stolen it.??? Unfortunately, I've read thousands of similar complaints posted all over the Internet. Wish I would have known this before I got involved with Coinbase. This company is criminal & should be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This a complaint against Wells Fargo Bank. Concerning XXXX XXXX XXXX, XXXX, XXXX. Based on WFM not providing the complete truth to the Credit Agencies, but only a misdirected biased opinion against our family, we have suffered considerable damages. As much as {$100000.00} in direct costs and more in other costs and ongoing costs. Wells Fargo intentionally keep as trapped and unable to get a new mortgage. THE Credit Agencies, XXXX, XXXX and XXXX have wrongfully refused to alter our credit reports, they have told us, this because of the ( false ) information supplied by Wells Fargo Mortgage. Here 's new and additional information.. 1 ) WFM wrongfully show late payments in 2016. There was one occurrence of late charges about 24 months prior XXXX 2016. Wells Fargo wrongfully carried these late charges forward. The late charges occurred when l became seriously ill. We requested numerous times, from Wells Fargo , emergency 401k application forms, so we would remain current. Despite numerous requests Wells Fargo did not supply the forms, leaving us unableto stay current. We made a complaint to WFM about this and WFM produced false documentation to 'claim ' they provided timely documentation. We will testify under oath WFM intentionally misled with  this false claim and these false documents. 2 ) WFM have told the Credit Agencies we were late in all of 2016, when in fact WFM made no late  charges against in 2016, the dispute over all late charges was n ongoing dispute and WFM had  suspended late charges as we tried to negotiate a settlement on all late charges, without resorting topossible class action law suits. We have never yet filed any law suits against WF, but we are very very hurt, at the ongoing abuse and hurtful actions to this day from WFM, as noted above.
3 ) WFM unfairly, even told the Credit Agencies we made a late payment in the month of XXXX 2016. 4 ) In XXXX 2016, after discussions, my wife and l informed WFM of our intention to settle 100 % of the mortgage on XXXX XXXX 2016. We were assured there would be no late charges from WFM in XXXX 2016, as we were settling/paying off the mortgage account in full XXXX XXXX 2016. We notified WFM in writing our payoff was arriving XXXX XXXX 2016. There was a timely written notice from our Title Company to WFM, weeks before XX/XX/2016. WFM. WFM received that written notice.

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 2018-09-13
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Radius Global just reported a medical bill on my credit report. Before this bill showed up on my report, I did not receive a notice of my right to dispute the account. THis is awful, because my health insurance has already paid the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I thought I was consolidating my loans so that I would someday be eligible for forgiveness after 20 plus years of payments. Now they are telling me that I don't qualify. This was my main reason for refinancing with them. The financial consultant for the Nelnet company mislead me into thinking I was all set. I diligently paid with automatic withdrawal looking forward to this being forgiven. Now they are telling me I do not qualify for any forgiveness. I don't even qualify for the CARES Act. I am XXXX years old and have worked as a XXXX and XXXX XXXX for 3 different low-income school districts. I was looking forward to retiring due to health problems and COVID issues. Now I don't know what to do. 
I have called NELNET for help several times and feel like I have been given the run-around. 
I am doing my best to survive this and don't understand what I should do. I hope that you can help me. I understand that there are other people who have been having the same issue with NELNET. 
Care you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: M&T BANK CORPORATION
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We had our Mortgage with XXXX XXXX and enjoyed visiting Branchs to make payments and ask questions. Then XXXX XXXX sold Mortgages to M & T Bank who has no branch ib our city. Whenever we call we are sent to different departments and after a half hour we are still without an answer. On XX/XX/XXXX of 2021 we mailed checks to three places. Two were cashed normally. M & T waited Util the end of XXXX and then assesed a late charge. I made a online payment of the XXXX payment and thje next day I did the same for the XXXX Payment. In the middle of XXXX, they found the XXXX check and tried to cash it Twice! I keep enough money in my account to cover bills so we got two {$35.00} doller fees for insufficient funds. I complained to M & T a week ago and I have had no response. I shopped for a good refinance deal and could not find one. M & T did send me a email that stated that the Post Office was slow due to the Pandemic. I believe that a bank should not be able to sell a mortgage without the mortgage holders permission. I also believe that M & T should lose their licence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: CIG FINANCIAL LLC
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: Information belongs to someone else

Complaint:
Hello, my identity was stolen several years ago. While I was at work someone stole my wallet with all my identifing information in it. They had rented a car in my name and gotten several forms of credit. I did not know any of this until I was stopped for a random traffic stop and the police stated all of this to me. I am now trying to correct issues that were made to my credit history. I would appreciate your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: ID Analytics, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company XXXX XXXX called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to XXXX XXXX lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$970.00}, {$550.00}, {$0.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$970.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-XXXX XXXX XXXX 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Nelnet, Inc.
State: AZ
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:
Dept Of Ed/Nelnet Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of ED/NELNET multiple times and have provided all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at NELTNET and they admitted error and it would be fixed. its been years since I've been fighting this error with NELNET. Account has been paid off and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my identity was stolen several years ago. While I was at work someone stole my wallet with all my identifing information in it. They had rented a car in my name and gotten several forms of credit. I did not know any of this until I was stopped for a random traffic stop and the police stated all of this to me. I am now trying to correct issues that were made to my credit history. I would appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Genesis Lending
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Loan was sold to another company that is reporting negatively on my report been trying to find out if my loan is part of the class action settlement I only get a recording

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Williams & Fudge, Inc
State: AP
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX University in XXXX, AL is charging me tution for the Fall semester 2018. I was unaware that my veteran benefits had ran out and once I received notification from the VA, I dropped the classes in XX/XX/2018 and VA confirmed the drop notice. I verified that with the VA to make sure, they were late sending out notifications on benefits that year. 

I have tried to explain this to XXXX. If anything I owe it should be the late drop fee but they are charging me full tution and bunch of finance charges. The debt went from {$4000.00} something to over {$8000.00} sent from a law office. I really believe I am being taking advantage of as a veteran. 

Please help and advise in this matter. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE CHARGE OF {$500.00} DATED XX/XX/XXXX FROM XXXX XXXX/XXXX   DOES NOT BELONG TO ME. I HAVE CALLED THE CREDITOR NUMEROUS TIMES IN REMOVING THIS AND I HAVE BEEN TOLD THAT THEY HAVE PROCESSED THE REQUEST TO HAVE IT REMOVED AND STILL HAVE NOT DONE SO. THE CREDITOR KEEPS SELLING THE DEBT TO A DIFFERENT DEBT COMPANY TO REMAIN ON MY CREDIT REPORT. THIS IS A ISSUE I HAVE BEEN GOING THRU FOR THE PAST FEW YEARS AND CLEARLY THE CREDITOR HAS APPLIED THIS DEBT FRAUDULENTLY ONTO MY CREDIT AND KEEPS SELLING IT OFF TO APPEAR AS IF IT IS A RECENT DEBT. 
MY CALL LOG IS AS FOLLOWS- XX/XX/XXXX CALLED TO INFORM CREDITOR THE DEBT DOES NOT BELONG TO ME WAS TOLD IT WILL BE REMOVED XX/XX/XXXX CALLED CREDITOR, WAS TOLD IT WILL BE REMOVED THE AGENT WAS RUDE AND ENDED THE CALL ABRUPTLY ONCE SHE INDICATED IT WILL BE REMOVED AND THERE WAS NO NEED FOR ME TO KEEP CALLING XX/XX/XXXX FILED A DISPUTE WITH EQUIFAX TO REMOVED XX/XX/XXXX FILED AGAIN A ONLINE DISPUTE WITH EQUIFAX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
the account that show on my credit report are improper use by the 609 laws fair credit report act. should be delete after 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy was added to my credit profile in XXXX of 2018 but never verified.

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