BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-30
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the past XXXX plus I have been harassed for a debt that is not mine. They call and ask for a XXXX XXXX, or XXXX XXXX people I do not know. I have told each collector they have the wrong number and to not call again. Sometime this works sometimes not. The real issue is the dept gets sold to another collector and the phone calls start agai. The last person I talked to was NCO Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. They finally stopped calling but a new collector started. In the past I also reported the XXXX XXXX XXXX XXXX. to the State Of XXXX Attorney General they resolved that complaint but calls continue from other collectors. There MUST be a way to stop these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n a XXXX Credit Report there was a charge off for a XXXX/XXXX. 
In a recent XXXX Credit Report the same XXXX/XXXX was showing as a collection. 

I am filing a complain against TransUnion, XXXX  and XXXX  for improper reporting of this charge off on my XXXX Credit report. 

This XXXX/XXXX  collection needs to be deleted as it was shown as a charge off on my XXXX credit report and four years later somehow it is reporting differently. 

I have attached both credit reports for you to compare. 

This needs to be deleted off of my credit report. 
Thank you, 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 2016-05-02
Company: Rosebud Economic Development Corporation
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
ROSEBUD LENDING BHL, D.B.A.FIRST PAY LOANS XXXX XXXX XXXX S.D.XXXX is the company who continually Breaches Contract by taking extra money outside of contract. I have the proof by contact and bank statement to justify the difference. 3 months straight there has been a difference of XXXX from the agreed contract and when I call they tell me it is a computer error. They tell me within XXXX10 days the company would reimburse me the difference. That day never comes. My bank XXXX XXXX XXXX is aware of this problem as was informed to file this complaint with your Department. This is a blatant " Breach of Contract '' by deliberate " Fraud '' and are worried that they wo n't stop until I have been robbed a lot more.

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 2017-02-10
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I filed a complaint with the CFB against Citi Bank regarding a {$300.00} bonus that Citi initially refused to pay, but was later honored. The day they credited my bonus ( XXXX/XXXX/17 ), I initiated a transfer to move the funds to XXXX Bank. The amount of my deposit plus the {$300.00} bonus was {$10000.00}. I transferred the funds. I logged into Citi on XXXX/XXXX/17 and noticed the account was overdrawn by {$34.00} ( the exact amount of the fee ). I later discovered that Citi does not make pending credits available for withdrawal until posted. I do n't agree with this since the amount the amount displayed as available for withdrawal was {$10000.00}. I called Citi, and the credit the {$34.00} fee back. Now the account was at a XXXX so I requested to close it. They complied with my request. On XXXX/XXXX/17 I noticed the funds from XXXX were placed back into the Citi account. The original transfer never went through. I was charged another {$34.00} fee. They refuse to reverse the fee because the account is closed. I am also unable to access my money because the account is closed. They are penalizing me for the same transaction twice. They also tell me it 's likely I 'll receive a check in the mail for the balance of my account. They are very unhelpful.

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 2017-05-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX   2017 I c all ed PennyMac an d was given an amount of all monies that were in arrears {$7000.00}. This was paid by check on  XXXX   XXXX   2017. The y did not cash check f or 2 we eks. This month I get a bill saying I have {$130.00} in late fees added to ballance. If account was at  XXXX , with no payments due, then how do I owe 'late fees '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I ordered a crib set from XXXX the name of the company it went to is XXXX but when I checked out at paypal it said it went to XXXX XXXX XXXX. The email it went to is XXXX. I do not know this person. I have since XXXX  XXXX and it says it's a scam company. PayPal will not refund my money. Their Trans action # XXXX. This was on XX/XX/2022. I am beside myself over this I am a XXXX XXXX XXXX woman that lives off of social security. I have no other income. Please help me get my money back. There is XXXX writing on the transaction. I do not read or understand XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Improper uses of my Credit files Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-09-05
Company: I.A.C. INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
****Creditor states I made a payment on this loan on XX/XX/2021. This is false, inaccurate, and fraudulent. I am not responsible for this debt****** My next step is legal action if these fraudulent accounts are not removed from my credit profile within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/15, I attempted to place an order through XXXX and my credit card was declined. I contacted Citi and was informed that " Charges have been identified that may be unauthorized. Please contact our Customer Service Department at XXXX XXXX XXXX : XXXX ) immediately to verify these transactions. '' I spoke with customer service and the issue was cleared up. I again attempted to place an order through XXXX and again my credit card was declined. I again contacted Citi and was told that further verification of my identity was needed and they needed to speak to any other member of my family with my same last name to verify I am who I say I am, otherwise, my credit card would remain blocked! Why do I have to get any other member of my family with my same last name to verify I am who I say I am, when I previously gave them my name, address, social security number, transactions and payments I made to the account, etc? How would Citi verify that this other member of my family, is in fact a member of my family : by asking for their personal information???? This sounds like a scam to me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Credit Karma, LLC
State: PA
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:
Credit karma lied to me. I am a victim of credit karma. I been with them sine 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-04-01
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX I received a streamlined loan modification trial {$3200.00} from XXXX XXXX XXXX. I successfully completely the 3 month trial by paying {$3200.00} before the due day XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. I was told not make another payment until I heard from the new service company Shellpoint because the Service rights were transferred XXXX.I made my XXXX payment on or XX/XX/XXXX to XXXX. I called XXXX they informed me that my modification trial was successfully completed and the new service company would continue with my modification which was 187 additional months. I received a welcome package and a statement saying make of about {$2200.00} to be paid XXXX XXXX. I called 6 times to inquire about my modification agreement and I didnt hear back from Shell point. I received a Notice of default dated XXXX XXXX and no modification. I called XXXX and the said everything was sent to Shell point and they would honor the modification. I contacted Shell Point on 6 different occasions and they claim they have more knowledge of me being in a workout or trail modification. I informed them that I completed the trail days before they acquired the rights to service the loan. I left many messages and sent 2 letter. The only Ive received is a notice of default and I was told that have I made the 3 payment I would no longer be In default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Ray Klein, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Credit Service for XXXX XXXX. 
In XX/XX/2015 I switched by cellular company & went to XXXX. 
I opted to keep my same phone number. 
When I left XXXX XXXX  I had an outstanding balance of {$50.00}. 
I was planning on paying this balance in XX/XX/2015 along with any late fees that were accrued. 

In XX/XX/2015, XXXX XXXX  starting charging me for 2 months of service. 

When I reached out to them for an explanation, I was told because I did not notified them. 

This is a TOTALLY false statement, because when someone changes providers the new company ( XXXX ) will contact the current company ( XXXX XXXX ) to see if the service is still active. 

So XXXX XXXX  was made aware of this. 
I also complained to XXXX XXXX and to the collection agency. 4 YEARS later and I am still being billed, penalized and there is no resolution in sight! 

I am willing to pay the {$50.00} plus REASONABLE late fees, but certainly not the {$200.00} that the GREEDY DEVILS are looking for. 


Please help me to CLOSE this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo force-placed flood insurance on our property despite the official XXXX map showing the structure is outside of the flood zone. WF has stated multiple times that they ca n't show me the required flood determination because there is nothing on file. They want a LOMA ( letter of map amendment ) from XXXX, which XXXX is at a loss to provide because the map already says our property is outside of the flood zone, so there is n't anything to amend. Over the past six months, I have spoken with at least a dozen people at Wells Fargo, none of whom can provide anything they are required to provide, but they continue to charge me an extra ~ $ XXXXmonth for flood insurance. The promised resolution date has gone from mid XXXX, to XXXX XXXX, to XXXX XXXX, and is now XXXX XXXX. Current resolution specialist insists that she has never worked with me before XXXX, despite a phone conversation in XXXX, and insists that another resolution specialist whom I 'm working with does n't exist, despite the fact that they are contacted through the same XXXXnumber.

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 2020-04-01
Company: ONEMAIN FINANCE CORPORATION
State: NE
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 have requested documentation on the OneMain Financial Account. OneMain Financial has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally OneMain sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have 1 previous addresses that is totally wrong I never lived there and there are 3 charged off accounts that are not correct that status is wrong

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 2016-12-01
Company: Windham Professionals, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My loan started at about {$35000.00}. I consolidated the loan to lower my monthly payment. Then, I could not make my monthly payment. My business failed.So I had to file for Chapter XXXX re-organization and I did pay every one back. I wanted to paid the student back but the late fee 's and Late Interest Fee 's ballooned to {$40000.00}, {$50000.00}, {$60000.00} ... ... .. to now {$140000.00}. 
Plus according to XXXX XXXX they are adding about {$4000.00} each month until I am out of default. I think it is unreasonable for me to pay {$3000.00} per month on a {$35000.00} loan. 
Even if I paid {$500.00} per month back. I would never be able to pay this loan back. If I paid {$4000.00} a month back it would take me over 27.5 years to pay it off. I am XXXX XXXX XXXX today. So I could complete my outstanding debt at age XXXX at {$4000.00} per month. Please help reduce these Fee, s, Fines, High Interest Rates. 
I am willing to paid back what I owl but without over {$100000.00} in penalities. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2020-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In connection to my complain # XXXX and your reply of XX/XX/XXXX with reference to the BofA Department as a follow up. 
On XX/XX/XXXX I received following email : " Dear Ms. XXXX XXXX : Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ). 
I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 
Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/XXXX to confirm that information. My phone number is XXXX extension XXXX, and I am available Monday through Friday, XXXX XXXX to XXXX XXXX. Pacific. 
I look forward to assisting you. 
XXXX XXXX, Resolution Specialist Regulatory Complaints-Chief Data Office Bank of America ( XXXX ) '' Despite my multiple attempt on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, within the time frame posted, to reach for the Mr XXXX and left voice messages with my name and phone number, no further reply of any kind had been received by this day. 
It was more than 90 days than Bank of America has been investigating the fact of deliberate release of my funds to the criminals as a result of property and Identity theft. On XX/XX/XXXX claims had been honored and funds had been posted to the " frozen '' accounts. Current status of the funds is in processing state from 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 monetary relief
Consumer complaint received 2015-07-14
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
So I had this account and when i cancled they stilled charged me. so i ignored them which didnt work in my favor ; they reported to my credit. the company at the time was XXXX XXXX XXXX who contacted me and offered a settlement in XXXX which I Paid off. since then it has been sold to other agency 's that are still reporting unpaid. when I contact AWA they cant provide documentation of this account and are very rude on the phone. Now this account has been paid for XXXX years now and would appreciate if they would report as such and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
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 sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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