BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2021 I was several called to Mr cooper mortgage company. 
Prior to completion of the forbearance program, I applied for a loan modification to the MR COOPER mortgage company. the due date on XX/XX/XXXX, Call center guys told me Loan Modification would take about 2 weeks. However, it takes a month to continuously ask for reasons for the system. It is said that the loan Modification can not be terminated. This reason is fraudulent trying to take my home. It is said that it takes 3 days to pay all the unpaid money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: KEYCORP
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Key Bank keeps putting fraud holds on my account ... and XXXX has to call Key Bank to get them removed, but XXXX also has to wait XXXX40 minutes to speak with someone. Key keeps telling me this is for my protection, which is not true since I understand I am limited to {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Insight Capital LLC (NV)
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX based in XXXX, Ga contacted me numerous times via phone calls to try to collect a dept they said I owed from an online payday loan. They said this dept was submitted to them on around XXXX from 2 years before this. On XXXX XXXX finally told me this dept was from INSIGHT CAPITAL LLC. When I googled both of these companies via XXXX XXXX & Insight Capital LLC, they both have numerous complaints from others of being srams in attempting to collect money under false claims. XXXX contacted me from the phone # XXXX XXXX XXXX XXXX and they had my bank account information. I have NEVER been contacted by Insight Capital.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NC
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Truist bank is holding there own funds in the bank which is abuse and unfair and I need to access funds to pay my bills tomorrow or I might get evicted from my home

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 2017-03-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wellsfargo flagged my account and took money from my account to cover a transfer that has been authorized by the owner of that account. My case and account has been handled very poorly. They overdrafted my account and I do not have overdraft protection on my account. Which reminds me, every 6 months i have had to call up wellsfargo and remove overdraft protection services because it keeps getting putting back on my account. Ive gone online to remove the service and ive had to call to remove the service 3 times. They collected on fees and charges they were not supposed to take and i have never been refunded those amounts. One time i got them to remove an overdraft that was never authorized and they said oh well we can only do this one time ... as if they were doing me a favor. Now they have my account on hold which again overdrafted me XXXX. They said it was to cover the suspicious transfer made to my account. Now they are making so XXXX difficult to get that overdraft off my account and give me back my money that was just deposited into my account for my car payment. Wellsfargo used that money to cover their overdraft they put on my account. I have done everything to settle this and so has the other person who transfered into my account. Theyve already spoke to that person and he authorized his payment to me. I want to close my account with wellsfargo but i want my money back that they took to cover an overdraft that wasnt supposed to be there in the first place.

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 2016-03-08
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I broke my lease with XXXX the original creditor at the end of XXXX 2015, with five months remaining, i gave a sixty days notice from XXXX 2015 and paid the relenting fees of $ XXXX.i got my final account statement on XXXX XXXX, with the sum of {$5100.00}. I contacted my lawyer XXXX XXXX, by XXXX 2015 to dispute the account. She wrote several letters to them, seeking for the clarification of the account and telling them that i am ready to pay if the account is justified, there is no single reply. From my credit report monitoring, I was alerted on XXXX/XXXX/15 that the original creditor has transfered the account to Blakely Witts & associates, a collection agency since XXXX XXXX, 2015, with a sum of {$1000.00}, without informing me or my lawyer. The collection agency did not contact me or my lawyer at any time before reporting me to the credit bureau, in other word they did not make any attempt at debt collection before destroying my good credit and most importantly My Good NAME. I only knew about the debt after my credit was destroyed, is this the fair debt collection practice. 
To protect my right I wrote the bureaus to dispute the account, asking questions about why I was not informed and why is the amount different, the only answered I got is that the debt has been verified. Is this JUSTICE. 
All I want is justice, I am willing and ready to pay my debt, only let them do the right thing. Take The Account in collection off from my report, write letter of apology for the damage done to my good credit, contact me in a lawful manner to inform me of the debt and I Will gladly pay the debt. 
I hope you will use your good office to protect me from this unfair debt collection practice. 
N.B. My wife is also part of this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: PNC Bank N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I received an email notice from PNC that it had declined a payment request from XXXX XXXX XXXX in the amount of {$20.00}. This is a utility merchant with whom I had established a automatic payment. When I called PNC Visa, they informed me that new credit card info via a " XXXX Account updater '' had been given to XXXX. At this time, I, the cardholder did not yet have the updated card to activate. They blamed XXXX and transferred the call to it. XXXX blames PNC and said that it issued the new information to merchant even before I had the card. I called XXXX XXXX and verified that a new expiration date had automatically been given to them. I had to give them my current card info so they could charge the account. Now, I have to call XXXX back when I receive the " new card '' so I can reactivate automatic billing. There is something wrong with the PNC VISA process when Merchants have information before I receive and activate a card. I have no clue what other of my automatic charges may have this same issue before I receive the new card to activate. This is an unnecessary and time consuming issue. None of the customer service reps at XXXX or PNC had any way to solve the issue. 
Please help so other consumers do n't get caught up in this same unnecessary problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian is reporting information on my report that has passed the 7 year mark. According to the statute of limitation the information is inaccurate. XXXX -student loan acct # XXXX Date opened XX/XX/1999. This should not be on my file.

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 2022-04-18
Company: Spring Oaks Capital, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Spring Oaks Capital sent the attached letter which stated that if I failed to pay, they will submit a negative rating on my credit report. I have no knowledge of the referenced account and they are threatening to damage my credit over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Remit Corporation
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
When I tried to apply to our credit union for a car loan, I was turned down due to XXXX outstanding debts on my credit report. Both were from XXXX XXXX XXXX XXXX ; XXXX in the amount of {$450.00}, the other {$170.00}. Both were dated XXXX/XXXX/11. I called XXXX to see how to pay these, and they said since they were so old, they could find no record of them. I even told them what my last name was at that time and gave them the address of where I was living at that time. I explained that on the credit report a company named Remit Corporation was listed as the debt collector, but they said they did n't know what company that was. They gave me the number of the company they use for debt collection, so I called them. That company is also telling me they have no record, using both my name or my social security number. So, if there is no record of these so I can pay them and get them off of my credit report, I would like to know why they are still there and PLEASE GET THEM OFF OF MY CREDIT REPORT! Thank you for your assistance.

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 2017-04-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that. So, if the debt is simply too old to collect, and the fact that XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.

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 2017-04-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a XXXX account on my credit report that XXXX has no idea what this is on my report as I have an account in good standing with them and they do not report to the credit bureau

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 2022-10-17
Company: SANTANDER HOLDINGS USA, INC.
State: MI
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:
According to the FCRA you are violating my rights. And I don't owe anything and all the account needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Synochrony Bank issued a XXXX XXXX XXXX XXXX in my name In XXXX. I did n't receive the card until XXXX and was not able to activate the card either by phone nor on their website so I did n't use it. I received a letter from them the middle of XXXX where they stated they would send my card to collections if I did n't pay by the next due date which was XXXX XXXX. Again on the XXXX I tried to activate my card both by phone and by their website but kept getting caught in a phone circle saying they could not find my information and asked me to input the information again. There was no option to ask for customer service nor was there another phone number provided on their letter, their website, nor the card itself. Their online registration stated the information I provided was incorrect, it was n't. Finally after the XXXX or XXXX time trying online it gave me a message that my birth date was incorrect ... .they had incorrectly put it into their system. By the time I found this out, their offices were closed and I had to wait until Monday the XXXX to have them fix their error. Getting to their customer service department was a nightmare ... without any options provided I tried dialing XXXX to get an operator, that failed so I just ignored all of their numerous requests to state why I was calling and that FINALLY caused them to route me to customer service. Unfortunately, once there the service rep fixed my birthdate in their system but I was told I would have to deal with their collections department to make my payment as my account had been sent there. I paid the account in full and explained the situation to the person I spoke with, they stated they Would Not take the credit collection note off my credit report, even though the error they made caused me to have the account go to collections ... Their mistake, they should reverse their collection notice on my credit report ... .Very unhelpful people to deal with.

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 2017-03-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My name is XXXX XXXX XXXX Wells Fargo is reporting a foreclosure on my credit report which can occur I cosigned my son XXXX XXXX XXXX and he fell behind in 2013 Well Fargo mortgage he sent XXXX cleared up and the bank reinstated his mortgage with no prejudice towards him and failed to report that there was in a foreclosure. My son still lives in this house and has been updated on his loan since this occurred we still on this home and should not be on my credit reports as a foreclosure once to notify Wells Fargo they reversed on XXXX and XXXX that there 's no foreclosure but failed to notify the experience this is holding me up get in my dream home. I have notified I have notified Wells Fargo twice about removing this every time I called him the state my loan is in standing good and there 's no foreclosure I asked him twice to please remove this from experience on my credit report it 's stopping me from moving forward and purchase a new home. I have supreme court documents showing that the action that the bank wants applied for pre-foreclosure was rescinded and all actions one normal and the mortgage was reinstated and great standings please help me

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 2022-04-18
Company: Social Finance, Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/2022 I XXXX XXXX tried contacting SoFi as soon as I saw my account was froze and I was notified to contact fraud prevention. Since then I would call multiple times a day as well as today XX/XX/2022. There is no other way to contact them and they do not call back. Now my checking account which I have the last four numbers to is completely gone and XXXX cant see or access my paycheck from work. This is infuriating. I want this resolved so I can get paid or have it returned to my company so they can pay me differently. 

I know the account was froze due to the deposits that didnt go through I was moving money around from account and made a mistake as the ones I tried moving were already in other accounts and thats why it was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2015-11-16
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A third party debt collector is contacting me claiming I owe a medical bill. I explained to the debt collector my insurance covered those charges, but the debt collector continues to claim I owe this debt, they have yet to provide me any further proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Global Credit & Collection Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Since XX/XX/2016, I have received XXXX calls from ( XXXX ) XXXX. When I answer, an automated message says, " This is Global Collection Corp. This is an attempt to collect a debt. Please call us at XXXX. '' I do not know who they are calling for. No name is ever mentioned. I have never received anything in writing from this collector, or any one of my creditors, that a debt is owing. Because they do not identify who they are calling for, I will not hang up and dial this number back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: ERC
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 was paid

Complaint:
Paid contract off in full, company tried to collect more money after I paid off debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got a letter from Bank of America, closing my personal checking account for no reason. 
FYI, I have a high score on the credit with them, I pay my balance on time, I did not get any penalty or XXXX points, I did not have any fees late for any payment Thanks

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