BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-04
Company: Atlantic Credit & Finance, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted by debt collection agency by telephone for months for a debt that is not mine. They are looking for someone who does not live at this address or phone number and never have. I told XXXX people from the agency that noone here lives by that name and they keep calling. 
The phone number is XXXX XXXX The company is : Atlantic Credit and Finance XXXX Inc XXXX 
XXXX XXXX XXXX XXXX XXXX, Virginia XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I noticed that I had a pending/hold on my Bank of America in the amount of XXXX. I called the customer service number and was told that I needed to go into a Financial center with XXXX forms of ID, to confirm my identity. On XX/XX/XXXX I went into the BoA financial center on XXXX XXXX. XXXXXXXX XXXX. I took in my drivers license and birth certificate. The representative tried to be helpful, she was equally confused as when she called the corporate number, no one could properly explain why my account was frozen. She was informed that she needed to email a particular individual to inquire about my accounts. She requested her manager to verify that she was indeed supposed to do so. They looked up the email given and it was verified that it was a BoA staff member. She emailed and was promptly emailed back asking if she could take a call. The individual called and spoke to the local representative. They did ask what was the source of my income was. I explained that I received international transfers for child support, and I was XXXX for others. They did not give any explanation and said that I should expect a call or email from them. That there was nothing that they could tell me. I have called several times trying to find out what I could do to rectify this situation. I have been repeatedly been told that there is nothing that I could do. I simply had to wait. Each time I was read a scripted response, that they could not tell me anything. I recently started a LLC with a partner that was focused on buying properties through the tax sales, and rehabbing homes that were in distress. The week prior to this issue we spent XXXX in the XXXX XXXX XXXX XXXX, and a additional XXXX in the XXXX XXXX XXXX XXXX. Those successful bids had to be paid for by the end of business by certified check or cash. We utilized both as we were not certain of the exact amount of our successful bids until the time to pay. I am very concerned that a financial intuition has overstepped their bounds by questioning how or what our business does. It is not illegal to buy property at a tax sale. Those sales are held by our local governments. As of now all my personal and businesses are frozen. I have not received notice from the bank. Nor has my business partner.

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 2022-02-03
Company: BUDGET CONTROL SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep reaching out to extended family members leaving messages saying that there are urgent matters for me, etc etc. Brother-in-law and father-in-law received messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in XXXX an account was opened with the company XXXX XXXX XXXX a loan company, and a loan of $ XXXX was taken out using my name, social security number, and date of birth. I was unaware of this account until XXXX of XXXX and since then have tried to dispute the account with XXXX to no avail. I have also contacted the debt collection agency, ( CREDIT CORP SOLUTIONS, IN ) that is now in charge of the account and they have only offered to reduce the balance owed forcing me to pay off a fraudulent account in order to have it removed from my credit report. 

Contact info for CREDIT CORP SOLUTIONS, IN Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE MANY YEARS TRYING TO REMOVE THIS FRADULENT ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAPPENS. I HAVE SENT WRITTEN REQUESTS, CALLED OVER THE PHONE, FILED POLICE REPORTS AND IDENTITY THEFT REPORTS. THIS ACCOUNT IS DENYING ME FROM PROGRESSING IN LIFE. 

XXXX XXXX {$1100.00}

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 2021-08-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The payment status for my loan has been incorrectly reported to the credit agencies Experian and XXXX  and as a result my credit score has gone from Exceptional to Fair. Both show me as 120 days delinquent on the XX/XX/XXXX mortgage payment, even though my mortgage was paid off in XX/XX/XXXX. Note, from XX/XX/XXXX through XX/XX/XXXX I was in forbearance, and was approved to be in forbearance until XX/XX/XXXX. 

Attached are documents from XXXX XXXX confirming my forbearance, and confirming that my loan was paid in full. Note, I had extreme difficulty in closing my loan with XXXX XXXX. The company did not respond to my requests to obtain the title of my apartment ( stock certificate to my coop ) in preparation for closing. I believe it only did so -- 4 months after my initial request -- as a result of my complaint with CFPB. The erroneous reporting of my mortgage status is another example of XXXX XXXX 's gross negligence. 

I am also writing to the three credit agencies to dispute my score. 

Attached documents : -- Compliant to XXXX XXXX ( XXXX documents ) -- Confirmation of forbearance from XXXX XXXX -- Closing documents demonstrating that the loan is closed -- XXXX  & Experian credit reports. I am still trying to get the XXXX  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 non-monetary relief
Consumer complaint received 2021-12-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a natural person and a federally protected consumer. NAVY FEDERAL CREDIT UNION is a financial institution holding the account ending in XXXX that belongs to me, the consumer. On XX/XX/2021 I certified mailed with a green receipt a remittance coupon, a negotiable instrument as defined by UCC 3-104, to NAVY FEDERAL . Before sending the negotiable instrument, in an attempt to gain clarity I asked a representative in the secured portal how NAVY FEDERAL CREDIT UNION wanted me to indorse the remittance coupon. I was told to indorse it to NAVY FEDERAL and that is what I did. The negotiable instrument was received on XX/XX/2021 and signed for by an agent on behalf of NAVY FEDERAL. NAVY FEDERAL accepted my negotiable instrument for the value of {$22000.00} as the instrument was not returned. Pursuant to UCC 3-603, NAVY FEDERAL is a person entitled to enforce the instrument, therefore, even if they refused it the alleged debt is discharged upon receipt. On XX/XX/2021, NAVY FEDERAL without my consent processed an electronic fund transfer of {$450.00} from my personal savings account to the credit card account. This is a violation and breach of their own card agreement as my negotiable instrument paid NAVY FEDERAL in full therefore, NAVY FEDERAL had no right to go into my personal savings account and process an electronic transfer of my funds. This is an unauthorized electronic fund transfer and blatant wire fraud as I did not consent to having my funds electronically transferred from my personal savings account to the credit card account ending in: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 2022-01-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification and was denied in XX/XX/XXXX : I appealed the denial on XX/XX/XXXX and PHH told me they received the denial and I needed to add more information to my appeal ; which I did and submitted on XX/XX/XXXX. I had a foreclosure sale scheduled for XX/XX/XXXX, and I was told the foreclosure was on hold due to my appeal : I believed the Home owner bill of rights would give me a 30 day protection but PHH lifted the hold on my foreclosure. I filed a XXXX on XXXX to stop the sale ; please help me communicating with PHH and help me get a modification. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVED THIS NOTICE. CONTACTED YOUR BUSINESS AND FILED DISPUTE WITH XXXX ( XXXX XXXX ). SHE NOTED THAT DISPUTE WOULD BE FILED. I INFORMED XXXX THE ACCOUNT MUST BE FRAUDULENT SINCE THERE IS NO RECORD I HAVE OF MY EVER DOING BUSINESS WITH THIS CREDITOR. INFORMED HER THAT IN ADDITION, THE ACCOUNT HAS TO BE FRAUDULENT SINCE BANK ACCOUNT WAS CLOSED IN XXXX AND THERE WERE NO OUTSTANDING DEBTS AT THE TIME OF CLOSURE. SO HOW CAN A CREDITOR ATTEMPT TO COLLECT FUNDS ON A CLOSED ACCOUNT WITHOUT NOTIFYING THE ACCOUNT HOLDER? I WAS NEVER CONTACTED BY ANYONE UP UNTIL I REVIEWED MY CREDIT REPORT -- DONE REGULARLY FOR ACTIONS LIKE YOURS! THE ACCOUNT WITH YOUR CREDITOR WAS OPENED IN XXXX AND DELINQUENCY REPORTED IN XXXX -- 4 YEARS SEEMS EXTREME TO LET A DELINQUENCY SIT ON ANY BUSINESS ' BOOKS. THEN IT WAS REPORTED TO YOU ON XX/XX/XXXX. THAT'S AND ADDITIONAL 3 YEARS OF DELINQUENCY FOR SUCH A SMALL DEBT THAT SAT OPEN ON A BUSINESS 'S BOOKS. IT APPEARS YOU ARE ATTEMPTING TO COLLECT ON SOMETHING THAT IS NOT REAL. I SEND THIS MESSAGE VIA EMAIL SINCE IT'S IMPOSSIBLE TO GET A HOLD OF SOMEONE ON PHONE WITHOUT HOLDING FOR 20-30 MINUTES. MY TIME IS FAR TOO VALUABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CommonBond, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
On XX/XX/2022 I applied as was approved for and signed for a loan. At this point, the loan was sent to my school ( XXXX ) for certification ( email attached ) In XX/XX/2022 CommonBond exited the student loan industry. I was concerned that my loan would not be funded given the rising interest rate environment. On XX/XX/2022 I reached out to the company to ensure my loan would be funded. On XX/XX/2022 the company affirmed that since the loan was approved pre-exit it would be funded as soon as my school certified the loan ( email attached ) On XX/XX/2022 my cost of tuition was certified by my school and and I received a " Welcome to the Family '' email from Commonbond ( emails attached ). 

However, upon trying to access my documents on the CommonBond website, I am taken to a page stating they are no longer providing student loans with a link to a partner. 

I reached out to CommonBond for clarification and they not state they are no longer able to disburse my loan even though my school has disbursement dates confirmed in their system ( emails attached ). 

I believe this violates UDAAP regulations as it will cause me substantial harm without funding and with potentially higher costs, I forwent rate shopping based on their approval and more importantly the explicit promise of disbursement, and I was not reasonably able to avoid these injuries due to their assurances

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: STATE FARM BANK, FSB
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sometime around XX/XX/XXXX I unfortunately took the advice of a loan broker and purchased an adjustable rate home mortgage. Sometime thereafter I took out an equity line of credit with XXXX XXXX XXXX in the amount of {$200000.00}. Unfortunately because my interest rate doubled, I lost my home. XXXX XXXX XXXX foreclosed on me XX/XX/XXXX. In addition, because I no longer owned the home,  State Farm Bank made a demand for the {$200000.00}. Since I had no property with equity at the time, I was unable to pay. State Farm Bank and I agreed to a payment of {$500.00} a month until I could recover financially. ( I did not want to file bankruptcy as I had other debt and an IRS bill because of the foreclosure. ) I paid the {$500.00} a month faithfully and in XX/XX/XXXX State Farm and I agreed to {$1000.00} a month payment ( our agreement is attached. ) I have paid XXXX XXXX dollars a month faithfully from the time we executed our increased loan repayment agreement. In reviewing my credit file recently I came to learn that State Farm Bank is reporting me with a serious mortgage late record. The State Farm Bank loan representative told me on two different occasions that because the loan was charged off in XX/XX/XXXX, they would continue to report me as mortgage late. This is in spite of the fact that I 've paid them faithfully every month since the loan was charged off. What I do n't understand is that State Farm Bank started to report me late in XX/XX/XXXX. Prior to XX/XX/XXXXall that was indicated on my credit file was a loan foreclosure and mortgage loan charge off. I have  attached a copy of my credit report and have indicated on page 3 where there is no mortgage late reported.
Because the loan was charged off seven years ago, and I have paid as agreed since our XX/XX/XXXX agreement, I am requesting that State Farm remove all the derogatory credit reporting they have filed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: NELSON AND KENNARD
State: WA
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:
Bank XXXX XXXX claims I owe a debt to them. I do not recognize this claim as I am a victim of Identity Theft. I have written several letters asking for VALIDATION, as described in the FDCPA and only received COPIES of statements. This is not VALIDATION under FDCPA LAWS. I am now being harassed by a company that says they represent Bank XXXX XXXX called XXXX and XXXX working on the behalf of Bank XXXX XXXX. I have signed no contracts with either. If they have evidence that I have, all Im asking is to see the wet ink signature I allegedly signed with either company. Copies of statements are pointless as they do not prove I have contracted with either company, BOTH claiming I owe some sort of debt. How is this legal??? Its not. Then anyone can claim I owe a debt to anyone? Just want to see ORIGINAL contract. Who is XXXX XXXX XXXX? Where is my contract with them? XXXX? Where is the original??? Without evidence in which I am requesting and have requested, under the FDCPA and FCFA, I will be entitled to the full amount of the claim owed plus interest. If I do not receive proper VALIDATION within 30 days ( not copies of someones statements ) I will be forced to file Liens. I will not hesitate to do so as I have been harassed by both Bank XXXX XXXX and XXXX and XXXX. I WILL file Liens on both companies as they have both caused me harm and duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Google Compare Credit Cards Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Did transaction with # XXXX before 7 days after call custcare chat with them then XXXX XXXX chat support also but still no reply for my Money Can Please anyone resolve my problem as soon as possible Call me On 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 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have a edd card some charges were made I did not make I tried to fix going on 6 mouth dealing with this ro my understanding some conpctped a card to my account transfer money to other account I told them.i did not do this I got dined 6 times now I even asked to take card off took them 4 mouths to take off even now I can't get back I had to go in to bank to verify who I was when money was transferred but this was XXXX XXXX so I had to wait 2 days the mounts were XXXX XXXX XXXX dollors in total the transfer to other accont bank america edd

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 2018-10-31
Company: CHECK INTO CASH INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XXXX XXXX I was contacted by check into cash advising that I had outstanding loan that had not been paid I advised that I did not have a loan and I am in the process of disputing the loan. I have retained an attorney who is representing me and I sent two certified letters to the company. I have proof they received both letters and they have continued to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to XXXX XXXX XXXX. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and XXXX with no response. I would like the statement removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to XXXX XXXX XXXX. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and XXXX with no response. I would like the statement 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 non-monetary relief
Consumer complaint received 2022-07-06
Company: INDEPENDENT BANK CORP.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
FEMA sent my mother 's funeral reimbursent to my girlfriend 's Account at Rockland Trust because I did not have an account at the time. The money was paid to me and sent electronically XXXX XXXX checking account ( see attached payment details for bank info. ). We went to the Rockland Trust Branch located at XXXX XXXX XXXX XXXX XXXX MA XXXX to withdraw the money and were told that we could not withdraw it because it was payable to me and I was not in her account. We requested that the money be sent back to FEMA for them to issue a check instead. The customer service person at the bank told us that we needed to contact FEMA for them to stop the payment before the money could be sent back. I'v been dealing with FEMA since XX/XX/2022 and filed a Stop Payment Form ( pease see attached ) Only two weeks ago, I was informed by Agent XXXX badge XXXX XXXX that all I was told was wrong. He stated that FEMA staff are not well trained on this topic and FEMA can not stop payment on electronic payments. He stated that the bank should've sent the money back when it realized it could not process the funds, but more importantly they should have sent the money back when they were asked to return the money by the account holder since it is not her money and certainly not Rockland Trust 's money..

Company response to consumer: Closed with explanation