BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-14
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: SYNCHRONY FINANCIAL
State: IL
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:
Dear CFPB, I am contacting you all, because I do not own the Amazon Store Card/Synchrony account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact XXXX XXXX directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from XXXX XXXX on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to Synchrony Bank and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, 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 2022-03-28
Company: Redfin Corporation
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The complaint is about XXXX XXXX XXXX and its website posting an unauthorized, privacy-violating, and inappropriate picture of my home. 

I received an email on XXXX, XX/XX/2022, at XXXX XXXX  from XXXX that shows an unauthorized, privacy-violating, and inappropriate picture of my home showing an open garage, vehicle, and person. I went to their website and typed in my address and the same picture is populated. I am the homeowner and I have not established a service with XXXX to show my home. Therefore, I want them to remove all unauthorized, privacy-violating, and inappropriate pictures ( s ) of my home including but not limited to persons and vehicles. 

Coincidently, while filing this complaint, I went to zillow.com and the same picture is on its website, and now I fear for my safety. The same revealing photo of my home has been uploaded to other websites ( s ) without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
2 months ago, I had unfortunately fallen for a loan scammer, who I ended up giving my bank login info in return for false promises. Bank of America recognized that it was a scam, and shut down my account and froze all my funds. I was told that my account won't be completely closed until XX/XX/XXXX. The false claims the scammer placed on my account, along with the scammer attempting to place fake checks in my account and everything else that needed to be taken care of was already cleared during the month of XXXX. So they would have no reason to not release my funds to me. However, yesterday I found out that for some reason they pushed back my account closure date to XX/XX/XXXX ( today ). I called today to make sure it was completely closed, however customer service said they pushed it 2 more days to XX/XX/XXXX ( this Thursday ), because of " account activity '' regarding someone unsuccessfully attempting to take funds out of my account. Luckily, the scammer wasn't able to take any funds for me. However, it's not fair that I am being treated like I'm the scammer.I would like my account to be completely closed, so that they can send my remaining funds via paper check in the mail. I have waited 2 months for my funds to be released. There should be no reason for them to remain holding my funds to me. This whole situation has impacted me emotionally, and has caused tremendous stress and XXXX on my life financially

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 2020-10-12
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is part of the complaint relating to the XXXX XXXX XXXX I just filed a second ago. 

XXXX XXXX Rausch Strum I have asked for help with this account multiple times. 

I AM NOT GOING TO CALL ON THE PHONE BECAUSE IT DIGRESSES INTO A YELLING MATCH. NO MORE PHONE CALLS. YOU ARE NOT PERMITTED CONTACT ME BY PHONE AGAIN. EVER! 

You actually did help for one whole month. Gosh how nice of you. 

You have refused to give me a break and an opportunity to pick up payments, my social security was delayed while changing banks. I told you this in a previous message. Again you chose to ignore me. 

I wonder if you are up on current events. Have you noticed that according to the medical community we are in the midst of a PANDEMIC of COVID-19. 

I'm just curious because you apparently have ignored that fact and the overall public reaction to the Pandemic is quite severe. The result is that my income has dropped drastically. Thus I am having trouble making payments just as I had told you in prior messages. You would find it much easier to communicate with me if you used email. Novel concept but required at this point. 

Im just curious since when I asked for help for a couple of months you acted like I was nuts and your response was to lie to me and then charge me more interest and penalties. As much as you possibly could actually. I assume it is the max you can charge because you have chosen that route ever single time. 

You me a message stating that you had received a cease and desist request via CFBP. 
In spite of that I continues to get calls from blocked numbers. 

I said I would pay you but you seem to think that is not an option, that you want it all now. And a minimum payment of over {$1000.00} is completely insane. 

Your response to a cease and desist request resulted in you turning over the file to Rausch Strum Attorney. So now instead of you harassing me directly I get harassed by him. Countless phone calls from unknown people. 

Do you think that demanding payment in full immediately magically makes my income increase during a pandemic which is the cause of my economic situation in the first place? Im curious because that seems to be your position. You are rude beyond description and obviously not interested in helping anyone but yourselves. 

What you have managed to do is create a large amount of anger. Congratulations.

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 2021-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date. XX/XX/2021 Complaint against the Capital One Bank. 

I am a XXXX XXXXXXXX at XXXX XXXX XXXX XXXX XXXX NJ XXXX. I have applied to XXXX for scholarship and for some reason my information was leaked out to scammers. They send me a check of {$3600.00} with a letter that I have been approved for the apprenticeship in the XXXX and will work from home. They also advised to deposit the check and then make some payments to the people on behalf of the XXXX when the money is available in the bank. 

I deposited the check on XX/XX/2021 and on XX/XX/XXXX when I check with the bank the money was available in the account. So, following on their instruction I made 2 payments in the amount of {$500.00} and {$2000.00}, to the people they emailed me. 5 days later on XX/XX/XXXX, I came to know that the check is not cashed and returned to the bank. 
I am banking with capital one for the last 6 years and being a XXXX I do not have any overdraft protection and neither have credit. My father opened this account for me, and he strictly advised to the bank not to pay overdraft or no payments at all if there is no available balance. 

I called the bank and find out that the check was from a scammer, and they paid the money as customer courtesy. I called the bank many times that I am not wholly responsible for the loss as I did not have overdraft protection and if the money was not available then why they pay out for the transfer. why was the balance shown available when there was no actual availability of the funds. 
Before that check my balance was around {$700.00} and I lost that money as well. I lost this money because of the bank negligence. If the money was not 100 % available, they should not make the payment. I asked the bank to provide the details for the people who got the payment from the bank so I could report that to the authorities, but I am not getting any information from the bank about those scammers. 

Kindly help me out as I am a XXXX and unable to afford this loss. 
Documents attached for reference. Please find attached documents for reference. 

Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: BROKER SOLUTIONS, INC.
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I WISH TO FILE A COMPLAINT AGAINST XXXX. DBA NEW AMERICAN FUNDING FOR UNETHICAL ACTIONS, RESPA VIOLATIONS, & BLATANT BAIT & SWITCH WHICH OCCURRED DURING THE PURCHASE OF A HOME IN XXXX XXXX , NV. ON XXXX/XXXX/2015, SET TO CLOSE ON XXXX/XXXX/2015. 

MY CLIENTS RELIED ON PERSONAL INTERVIEWS, LOAN APPLICATION, A CLASS ON REVERSE MORTGAGES & THE REPRESENTATIONS MADE BY NEW AMERICAN FUNDING & THEIR STAFF. 

ONE DAY PRIOR TO CLOSE OF ESCROW, MY CLIENTS WERE TOLD THAT THEY NEEDED AN ADDITIONAL {$16000.00} TO CLOSE THE REVERSE MORTGAGE. WHEN THEY CAME TO XXXX XXXX THE NEXT DAY, THE LOAN DOCUMENTS, WHICH ARRIVED AT THE LAST SECOND, CONTAINED NUMEROUS ERRORS & INCONSISTENCIES AND THEY WERE GIVEN NUMEROUS ESTIMATED COST SHEETS THAT WERE ALL DIFFERENT, GENERATED DAYS APART. 

THE LENDER, IN SPITE OF PLEADING FROM THE ESCROW OFFICER & MYSELF FAILED TO INCORPORATE THE TITLE COMPANIES FEES & COSTS INTO THEIR ESTIMATES & GAVE MY CLIENTS INCORRECT INFORMATION ABOUT THE AMOUNT OF MONEY NEEDED TO CLOSE THE TRANSACTION. 

IN GOOD FAITH MY CLIENTS WERE GETTING A REVERSE MORTGAGE, PUTTING NEARLY XXXX % DOWN, BUT COULD NOT GET TRUE COSTS FROM THESE PEOPLE. 

WE CHECKED AFTER THE TRANSACTION FELL APART & THERE WERE, XX/XX/XXXX, XXXX COMPLAINTS AGAINST NEW AMERICAN FUNDING FOR SIMILAR REASONS. 

AS A DIRECT RESULT OF THEIR ACTIONS, MY CLIENTS LOST THE HOUSE SURRENDERED {$10000.00} EARNEST MONEY TO THE SELLER, AND PAID {$3500.00} IN TRAVEL EXPENSES TO COME TO XXXX XXXX TO PURCHASE THE HOME. I WORKED DILIGENTLY FOR 18 MONTHS WITH MY CLIENTS EARNED THE XXXX % COMMISSION OF {$12000.00} AND LOST IT. TOTAL LOSS TO THE XXXX OF US - {$26000.00}. ALSO INCLUDING THE APPRAISAL OF {$450.00} AND {$400.00} FOR THE INSPECTION. 

THIS COMPANY IS A TRAVESTY AND NEEDS TO BE STOPPED REGARDING THESE EGREGIOUS PRACTICES. 

WE RELY ON YOU TO HELP US AND RESOLVE THIS SITUATION. WE LOOK FORWARD TO YOUR RESPONSE. 

THANK YOU,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A person other than me opened an count purportedly with XXXX XXXX XXXX Credit Card Company. The account is not mine. I have sent 3 notices under Section 609 FCRA demanding that XXXX XXXX provide to me certain documents mandated under Section 609 FCRA. It has been over 90 days since my demand under Section 609 FCRA and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation under Section 609 FCRA. XXXX  continues to allow the company to report the derogatory item all the while being in violation of Section 608 FCRA. In fact, XXXX  will not even allow for another dispute to be initiated even though XXXX  has failed to comply with Section 609 FCRA by not enforcing Section 609 FCRA with XXXX XXXX.. 

I am attaching notice of a lawsuit filed against XXXX by the FTC fir these very same violations. Neither XXXX  nor XXXX XXXX should be allowed to continue to violate the FCRA. I am also attaching XXXX Notice prohibiting another dispute. Additionally, XXXX  has an error problem on their document upload it does not allow you to upload the documents. 

It is within the jurisdiction of the CFPB to require both XXXX  and XXXX XXXX to comply with Section 699 FCRA. As of the submission of this complaint BOTH are in violation of the FCRA.

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 2022-10-14
Company: Westlake Services, LLC
State: CA
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:
In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 SECTION 602 states i have the right to privacy, 15 USC 1681 SECTION 604a SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: NC
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:
For XXXX  - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For Experian - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.

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 2016-06-14
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Attended the now-shutting down XXXX XXXX in XXXX, CA. During my time as a XXXX, I had a car accident and had to leave before my finale year. Upon returning, my federal loans through XXXX seemingly split with Sallie Mae who was now handling them, but these turned out to be private loans. Now, my grandfather ( who co-signed with me ) are paying my XXXX XXXX private loans month-to-month and XXXX says I do n't have to pay until I find work, which I 'm not finding anywhere across the state of California, and Sallie Mae is calling us daily with robocalls to harass us to pay XXXX different loans at once. Initially Sallie Mae told me they would switch me to Graduate Repayment ( interest only ) but this has not happened, nor has consolidation ( XXXX XXXX also claimed to lower our payments but never did ), and I do n't know what to do. My grandfather is the only one generating income and it 's barely enough for us to keep the house, so we do n't know what to do and it seems like other students both from my school and around the country feel like they are being scammed by Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Vermont Student Assistance Corporation
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loan was in default status. In XXXX of 2016, I started the process of bringing the loan out of default, by submitting payments and filling out the default application by Vermont Student Loan Assistance. I began officially in the program in XXXX. Every month the invoice came in and I paid it. In XXXX I began getting phone calls and received one letter indicating that I had missed a payment. When I was able to get out of work early enough to return their phone call, I discovered they applied the payment I sent in for XXXX in XXXX because it was TOO early. Thereby making it look like I had not sent in a payment for XXXX. Because of a change in finances and having my banking information breeched, I was unable to make a payment in XXXX. When I was able to make contact and explain the situation thoroughly I was advised that due to non-payment, I was being place BACK in collection and that I had to start the entire process over. 

I have been working diligently to pull this student loan out of default status and I feel that despite my due diligence and doing my best to work within their perimeters, I am being punished for unforeseeable problems. I live paycheck to paycheck and have worked hard to make sure that for the last 10 months the payments were made either on time or early and am being punished for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX i reached out the macy 's store customer service regarding the payment. 
I called them and hold more than 45 minutes and then finally call was disconnected. 
Same thing i tried again XX/XX/XXXX but no success. Then i finally talked to them on XX/XX/XXXX. They said that we took the auto payment from the bank but i was rejected.They never notified me of the rejection and gave me late payment.I made them request to remove this late payment but they said that they can not help.Even i told them NYS governor made the announcement Banks and financial institutions will waive mortgage payments for 90 days for those with financial hardship as well as fees related to deposits and withdrawals as directed by the state 's Department of Finance, said XXXX.Credit scores will not be impacted by nonpayment of mortgages and foreclosures will be indefinitely postponed, said XXXX. But still they are not helping. Now i am unable to take any kind of loan or mortgage because of this mark.

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 2020-05-11
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my XXXX  report and noticed a negative account for a amount of {$430.00} dollars. I do not know where this came from can you please send me any documents you may have on this account? I attached a screenshot of this account.

Company response to consumer: Closed with explanation