BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a fraudulent account on my credit report that I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was notified by Bank of America that my account balance had gone below XXXX. I knew there was over XXXX left in the account so that did n't make sense. I pulled open my account online and it showed that I was over XXXX overdrawn. The previous day I had written a check for XXXX. It was used to pay a loan at a different banking institution. In my Bank of America account I had over XXXX in the account so there was plenty of money to cover it. When I called Bank of America they said that they could see the check that was trying to clear and could see that it was for XXXX, but it was being processed as XXXX dollars. Extra XXXX somewhere. I asked what to do. Was transfered to a manager. The manager told me that if I brought in the extra money before XXXX that I would not be charged an over draft fee. She said she did understand that the check was not for a XXXX and that it was only written for XXXX, but the banks policy was that I would be charged an overdraft if I could not cover the check with additional funds. She said to call the other institution when they opened and talk to them and in the mean time they were returning the check. I asked her to at least waive the fee for overdraft and she said she could not. She said that to get the fee returned to my account I would need to call the next day and see if they could deposit the over draft fee back into my account. It makes no sense to charge a customer an overdraft fee when there is clearly an error between the XXXX banks. I called Bank of America at XXXX my time as soon as I saw there was an issue. They agreed that it was a banking issue and that I had not done anything wrong, but charged my account an overdraft fee anyway? Where has basic customer service gone in this industry????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several disputes of a chapter XXXX on my credit file. I disputed and ask TransUnion to renivestigate and provide me with proof this public record belongs to me, and who is the furnishing the information. TransUnion is giving no proof of investigation!! TransUnion just reporting it was investigated with no proof of where the information is coming from.

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 2021-03-03
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: Public record information inaccurate

Complaint:
My vehicle was damaged when I placed it on third party app called XXXX. XXXX 's renter nearly totaled the vehicle and abandoned it 77 miles away from my home. XXXX was completely useless for the first 2 months and did not assist me or even start a claim with their insurance until my car was repossessed, due to impound fees. XXXX tried to fraudulently claim that my vehicle was stolen while rented by their driver, but the driver was actually involved in 2 accidents that day, not just the one resulting in $ XXXX in damages and the abandonment of my property. My good credit was ruined because XXXX XXXX reported it as a repossession, eventhough there were no late payments on the account. I had even contacted XXXX XXXX a month prior to the repossession and was told that as long as I continued to make my payments on time, that they would not get involved. This was a complete lie because now my credit has been ruined with this negative account reporting to public records. I feel very taken advantage of in this situation. XXXX intentionally waited to open claim with their insurance because they always intended to claim the car as theft. XXXX XXXX was made aware of the situation and lied by stating that they weren't going to repossess it because they had no right to so long as the payments were made.

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 2015-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. On XXXX XXXX, 2014, upon request I paid {$3600.00} dollars to XXXX ( {$1900.00} ) charged on XXXX XXXX, 2014 & XXXX XXXX ( {$700.00} ) XXXX XXXX, 2014, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX ( I was on the phone for at least an hour ), she mentioned that because the card was closed they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been getting many calls and emails on a daily bases. I am getting harassed by this company who says that they are private when I never sign with a private company. 
The President says student loans are defer until the XXXX. When I told them about this they claim that it do not apply to private student loans. They also claim that they have their own deferment due to the pandemic, but they are still adding interest to my account. 
They also claim that I can call every month until XXXX. I believe this is some kind of scam, or is not legal during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was working with my bank to get a loan modification. The reason was because my husband lost his job and became XXXX. I kept on giving them all the information and they kept on closing the application. I gave them all the paperwork needed and it took 6 years to get my payment to where I would be able to afford the payment. They also put on my credit report I was in forcloseure but not true. Now that will be a big problem to correct. Because of this my mortgage was increase by $ XXXX more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021, I submitted disputed and the 3 bureaus have not updated me on the accurate and verified the information 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 2021-03-04
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called I.C. Systems is on my credit report for the amount of {$2000.00}. The date of this account was opened XX/XX/2020. I have disputed this account on all 3 credit bureaus. XX/XX/XXXX & XX/XX/XXXX removed this fraudulent activity!! This is fraud! The information they have on me is stolen. I have no knowledge of this account and believe my ssn was stolen.

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 2022-10-02
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
After 3 hours of XXXX communications with XXXX different TransUnion " Consumer Fraud Special Agents '' I am at wits end trying to understand how any parent in Virginia can possibly have the required documentation to enable a minor 's credit freeze. I am attempting to freeze the credit file of XXXX of my minor children.The following block of information details the elusive documentation in question : XXXX of the following qualifying documents indicating that the requestor has Proof of Authority of the named individual : - Court Order- Power of Attorney ( not applicable for NY or TX residents ) - Written, Notarized and Signed Description of Authority ( not applicable for VA residents ) ; I have birth certificates, SSN cards, passports, other forms of identification, adoption decrees, and bills verifying my VA address, but what parent has any of the above listed " Proof of Authority ''? 

The XXXX issue I had was with the attempted extortion of fees for the free service. The XXXX XXXX TransUnion representatives tried to collect {$10.00} to process the lock. The XXXX representative was the XXXX to acknowledge that the lock should be free. I have rejection documents claiming I submitted the documents, but failed to pay the {$10.00} fee. The site states : {$10.00} ( Medically incapacitated AND not a victim of ID theft ) Free ( Minor under age of XXXX OR medically incapacitated AND a victim of ID theft ) Boolean logic evaluates ANDs before ORs, thus it is free for minors under XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Greetings, Re : Community Loan Servicing : Mortgage Fraud I purchase my home XX/XX/XXXX and Paid it Off. XX/XX/XXXX Community Loan Servicing, LLC sent me a new Mortgage Loan in the amount of {$110000.00} from their company. 
they appear to be using fraudulent information that's not there's. 
My wife and I was victims of Identity Theft # XXXX and was documented with a police report. They appear to be using fraudulent information that's not there's. 

However, I never refinance nor applied for a Mortgage with this company ever. I have asked them to provide original Community loan documentation. As of this date they have not provide proper Mortgage Documents. 
Every time we clear this matter up with former Mortgage Loan Company and they close their claim. A new Loan and/or Mortgage Company files complaints with the Three Credit Agencies for nonpayment of a Mortgage I do not owe. I need your help with this matter. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
I got a loan from Instaloan ( Equity Auto Loan on report ) in XXXX, GA. The Manager there gave me information that shows paid in full. This account is only on my XXXX report. On my report, there is a closed account with a XXXX balance. XXXX they have put XXXX different accounts on my credit report with XXXX different balances showing that I have to pay those in full for {$520.00} and {$660.00}. I disputed it twice showing that there were XXXX duplicate accounts ( XXXX open/XXXX closed ). The account for {$520.00} now shows {$0.00} balance and closed. They said they contacted Instaloan and was told my {$660.00} account was still open which is not true because I paid it in full. So I have XXXX closed account showing {$0.00} with the same account number and an open account with another account number. I paid off the {$660.00} balance in full. Everytime that I would go into to make a minimum payment, they would re-open a new account. I called corporate about them updating my credit report and was told that the District Manager would contact me. I told them that I want my credit report updated correctly and for them not to tell XXXX incorrect information. I would also like all the duplicate accounts deleted because I only had XXXX account. My report looks a complete mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: RIA FINANCIAL
State: OH
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I contacted RIA money transfer to complete a funds transfer to my parents in XXXX XXXX on XXXX/XXXX/15. The funds were taken from my account and not deposited to my mother 's XXXX account. I contacted the company on XXXX ( the estimated date of deposit ), no one was able to explain where my funds were or what happened. I kept being transferred to an escalation group, instead kept being transferred to the same automatic system that I called into. I received an email last night requesting more information regarding the matter ( in response to an email I sent prior to my calls ). I responded to same and am yet to receive a response. There was not a lot of money involved. My parents are aging and going through financial struggles due to not being able to find proper employment to take care of my grand mother and sister that live with them. I sent {$150.00} to help during this holiday time, to no avail. Now, neither of us are having a holiday. I work hard for my money. I do n't waste and I pay my bills and taxes. This should not happen to honest hard working people. Please help me recover this money. 
**add on-Please note that this was an international transfer ( from XXXX to XXXX XXXX XXXX. there are sections below that require recipient information ; she is in a different country and has not received any of the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, I saw a news article XXXX I never knew about your agency for filing complaints. I got the runaround dealing with my student loans and thought you should know how extensive the practice of cheating borrowers is/was. 
XXXX Sent : Friday, XX/XX/2013 XXXX Subject : NelNet email sent via NelNet web site My loan was paid off in full. In fact, NelNet owes me a refund of MORE THAN {$750.00} dollars which was sent to NelNet by the prior loan servicer, after the loan was transferred because the prior loan servicer did not apply my payment to the correct loan. I just found out today that although my loan is fully paid off, that NelNet took $ $ from my checking account on XX/XX/2013 in the amount ot {$86.00} causing me to have returned check fees and unpaid checks that I had proper funds to pay before NelNet took money they were not authorized to take. What is going on??? I want my refund, and I want a letter to explain to my bank so my return check fees can be adjusted accordingly. 
XXXX Complaint lodged with Ombudsman for Federal Student Aid XX/XX/2013 My loan servicer used to be XXXX. I sent {$2000.00} to pay off loan XXXX and instead they paid off loan XXXX and wrote REFUND DUE since the {$2000.00} way exceeded the amount left on that loan. Then, I called them to request they apply it to the correct loan. They said that they would, and instead TRANSFERRED the loan to Nelnet. After they transferred the loan, at the WRONG interest rate, they verbally informed me that they sent the REFUND DUE amount of {$750.00} to Nelnet. Nelnet claims they have not received it. I paid off the complete balance that Nelnet claimed in full and total. So, although they still owe me money back, Nelnet took an automated payment out of my personal checking account in the amount of {$86.00} on XX/XX/2013 causing bounced checks and return check fees. ( ACH Transaction - DEPT EDUCATION STUDENT LN {$86.00} ) My account is way overpaid and they 're still taking funds? I have contacted Nelnet on more than one occasion to no avail. Please assist me in clearing up this matter. 

Thank you. Your request has been received by the Ombudsman officeXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX is currently in litigation for predatory lending and a list of other things. I want them removed.

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 2015-07-21
Company: Platinum Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from a XXXX XXXX office, to " collect a debt on a credit card ''. the caller did not verify my information before giving me this information. The person yelled at me that they are starting the " legal process to garnish my wages '' I advised her that I have not received any information on any attempt to collect any debt.I am legally entitled to receive that and verify that so called debt is mine and that the collector is legally able to collect on any so called debt. She refused many times and told me that she is not required to do anything of that sort. Continued to threaten me on " legal action '' did not give me information on amount of debt or if there was an ability to settle on any debt. She did not even properly verify who I was. I looked on line since the company name on the voicemail was different than what she gave me and I saw many victims to this company as well. XXXX / XXXX XXXX. There was no resolution to this call as she would not listen to me and only yell and threaten me during the whole call. I would like to know what this even is! How can I be taken legal action against and I dont even know what this is! I can not know how to respond with a solution if I have no information as to what this is at all. The only information she gave me was that it was in an attempt to collect on a credit card debt. No credit card name given. This company needs shut down as they do not know how to collect said debt to anyone per all the comments I have seen plus my own experience!

Company response to consumer: Closed with explanation