BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: Nelson Cruz & Associates LLC
State: MO
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:
Contacted Nelson Cruz and Associates on XX/XX/23 ( on a recorded call ) and advised them never received anything about this debt in which I DO NOT owe. I asked if I could be provided the same letter dated showing proof they sent it to me. They refused to provided that. I also asked for more information in regards to the debt about the store and they could not provide me with that and I need that information to file a report. This company has been illegally trying to collect a debt from me and refused to investigate my claims. 

Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1b 2. Company has also No permission to report ANYTHING using my info pursuant to 15usc 1681.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my monthly statement from discover for  XXXX   XXXX  the to  XXXX   XXXX    XXXX  . It had an additional fee charged as minimum interest charge fee. I called to ask  Discover  what the charge is about and I was told by  XXXX   ( EMPLOYEE  ID #  XXXX  ) that it was for my  XXXX  purchase on  XXXX   XXXX . I argued that a purchase in the current statement should not be charged interest until the statement bill is due. I was told that since I did a balance transfer in  XXXX    XXXX  , all purchases after the balance transfer will be charged interest immediately. I reported that I wasnt told about this and this sounds pretty deceptive. She told me it was in the fine print of the balance transfers.   It just seems that this is another way of credit card companies to make money by not disclosing the terms and charging fees at very high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CCS Financial Services, Inc.
State: OH
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:
I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 
Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 
As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
my XXXX loan is with Bay View loan servicing. They modified my loan under HAMP program. When i went to modify my XXXX loan with XXXX, I am told that Bay View Loan Servicing failed to file correct HAMP related paperwork with Treasury department. I do n't know what that means and Bayview is unwilling to work with me to correct this issue. My XXXX loan with XXXX is stuck. In the mean time, i am falling more and more and more behind on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? " I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from CashCall.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Collection agency called me at work and my cell phone in an attempt to collect a debt. When I asked them not to contact me at work as it is prohibited, they told me they would continue to do so. They have my cell phone number and can contact me via that method. The representative said then threatened to put this on my credit, to which I stated it already was by another collection agency. They wanted me to set up payment arrangements for this debt, I said I could not do anything at this time. They said they would mark it down as a refusal and hung up on me giving me no options to make any arrangements in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: WESTERN UNION COMPANY, THE
State: OK
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I did money transfer to a bank account using Western Union on XXXX/XXXX/2016. The money was never received by the receiver. After that I called more then 15 times to Western Union to request the refund on this transaction. Every time I was assured that they have submitted a request for the refund and I should hear back in 24-48 hours. They never called me back and every time I call they keep telling me that someone will call me back within 24-48 hours and no one calls back. On XXXX/XXXX/2016 I spoke to a manager name XXXX ( operator id # XXXX ) and she assured me that she will call back in 24 hours which she never did. I would like to receive the fund back via check mailed back to my home address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2015 I sent {$100.00} to XXXX XXXX in XXXX for the purpose of buying food.. The XXXX # was XXXX XXXX XXXX. When XXXX went to pick up the {$100.00} he was told that number was not available. I called Western Union and was told that the transaction was cancelled due to a business decision. I Received a refund and attempted to resend the {$100.00} XXXX XXXX XXXX XXXX XXXX ). When I called Western Union to check on this transaction, I was told that I had been placed on a no send/receive list. When I asked for an explanation, I was told it was a business decision with no further explanation. 

I believe that If I have done nothing illegal, I am due an explanation and a means to have my name expunged from this list. I am requesting the assistance of the CFPB in either resolving my complaint with Western Union and be provided an explanation as to why I was placed on this no send/receive list. I would also expect a means to be taken off of said list. 

Your assistance is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX - opened checking and money market accounts- deposited {$50.00} in cash, check for {$200.00}, and check for {$25000.00}. 

XX/XX/XXXX - received debit cards and temporary checks in the mail. 

XX/XX/XXXX - received lettered ( dated XX/XX/XXXX ) stating account was closed. Letter provided information regarding ways to receive funds. 

XX/XX/XXXX - called insurance company to request new claim check, told Truist cashed the check, it was cleared, and they have the funds. 

XX/XX/XXXX - waited 10 days, XXXXXXXX XXXX  called customer services to determine how to receive our funds back from our now closed account. " XXXX '' stated the account was in review process and she could not determine how long that would take. 

XXXX - called customer service, again, to determine how to receive our funds. Was told we needed to return to the branch and they would be able to help us. 

XXXX - arrived at XXXX XXXX branch at XXXX - waited for specialist to help us- worked with " XXXX '' who called Truist customer service on our behalf. Verified Truist is choosing not to do business with us. We asked how to get our money. We were provided the Early Warning System number and told to call Monday morning. We already know why our account was closed. 

XXXX - XXXXXXXX XXXX - called customer service, transferred to Fraud dept. and spoke with " XXXX ''. After over an hour talking ( 1 : ) 01:37 ) and being placed on hold, was told this department did not have any answer on how to retrieve our funds. Was told " XXXX '' would submit a claim ( which was already done, as we were told on XX/XX/XXXX ). " XXXX '' suggested we visit the bank again. 

Why are we being given the run-around? Truist cashed our NON-fraudulent check provided by a legitimate business and endorsed properly by all 4 parties. We understand fully that Truist does not want to do business with us, as we do not want to do business with them. Therefore, they should not keep our money.

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 2015-05-19
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I own a small business and made a purchase with a manufacturer in XXXX. I made the payment through Western Union and the funds were deposited into the Bank of XXXX, the recipient 's companies bank account. Since the funds were released I have not heard from the company and or their representative. Communication was done via email. I sent several emails with no response. I was purchasing ditial pictures frames and memory cards with plastic case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX, I entered a Stipulation Agreement with Bayview, the Trial Plan, as a condition for my Loan Modification. The stipulation required 6 monthly payments from XXXX XXXX to XXXX XXXX. They assigned my account to XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX called me to say that I had missed a payment and he needed copies all my bank statements and returned checks for my payments for XXXX, XXXX and XXXX. I sent the information to him and after reviewing it, he said that maybe it was an error by Bayview but that he will look into it. I asked that he sends me in writing confirmation that the issue was resolved. He never even sent me a letter that I had missed a payment, he only called me to ask for my bank statements. I left 2 voicemails and sent 3 emails to XXXX XXXX in XXXX and XXXX, he did not respond to any of my voice messages or emails. Bayview continued to send me monthly bills, and I continued to make my payments, sending them via certified mail, for XXXX, XXXX and XXXX. At the end of this Trial Plan in XXXX XXXX, I expected to execute the Modification Adjustment Agreement with Bayview. Instead, XXXX XXXX sent me a Trial Plan Default letter on XXXX XXXX, XXXX stating that Bayview will not offer me the modification because I did not make all of the required trial period plan payments. I responded to this letter on XXXX XXXX, XXXX via Certified mail to XXXX XXXX and the Customer Escalation at Bayview. In my response, I again sent copies of all my Trial Period payments, I sent copies of my unreturned emails and let them know that I have not heard from Bayview and have been trying to contact them since XXXX call in XXXX. As of today, XXXX XXXX, XXXX, Bayview has not told me what payment exactly I missed. They have not responded to any of my calls, emails, letters to inquire about this missing payment. XXXX XXXX sent me another letter on XXXX XXXX, XXXX with a RMA ( Request for Mortgage Assistance ) application package, to start the process all over again? XXXX XXXX has not returned any of my calls. I still do not know what payment Bayview is missing. I received a bill for XXXX and sent a payment for XXXX via certified mail to Bayview on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving repeated phone calls from XXXX XXXX at Bayview Loan Processing, LLC while I am at work about a debt that belongs to someone with a similar, but not same, name. The debt is attached to a property I do not own now nor have I ever owned. My phone number is attached to the account and Bayview Loan Processing will not remove it because the last XXXX of my social does not match the one on the account. They will not give me any information regarding the loan. The name on the account is XXXX XXXX though I am uncertain of the spelling

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage is " underwater ''. 
I do not have an FHA mortgage and my mortgage is not backed by either XXXX XXXX or XXXX. 
I have searched for an FHA Short Refinance but am not able to even apply as NO MORTGAGE LENDERS PARTICIPATE in this government advertised program. 
Why advertise a program that does not exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Several years ago, we opted into the XXXX program. 
A check was issued on XXXX XXXX, 2016 in my late husband 's name. Upon receipt of said check, I contacted XXXX XXXX. Per their instructions, I submitted proof ( Death Certificate ), of my husband 's demise. I was told that a check would be issued in my name in about 14 days. As of this writing, I have not received the check. Calls and email to them have been to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This debt collector has been erroneously reporting late payment and delinquent payments for the last year. This company is an fraudulent debt collector/mortgage servicer and should have been closed down by the financial regulators. How is the bureau going to allow Bayview Loan Services to continue over the last 10 years to fraud and steal from American citizens?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

these inquiries need to be removed XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX CARD Inquired XXXX On record until XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX CARD Inquired XXXX XXXX record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XXXX record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX, Inquired XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN Inquired XXXX and XXXX more EXPERIAN XXXX Inquired XXXX and XXXX more EXPERIAN XXXX IDENTITY Inquired XXXX EXPERIAN XXXX IDENTITY Inquired XXXX FADV Inquired XXXX XXXX XXXX DATA XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX Inquired XXXX and XXXX more XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX ON XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX I 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a credit card and check in account through Wells Fargo. I closed my check in account and credit card. I have called them at least XXXX times every time they leave something out. Today I logged in and I found out that they have added another {$50.00}. I had to call them and found out that was a " reward account ' which was not closed properly. Wells Fargo is a corrupt bank. Should be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I called Wells Fargo main number told them I was depositing my federal tax refund check directly from the US Treasury into he amount of XXXX would there be a hold. they took my account came back said no we do not hold federal refund checks from the Treasury. so I wrote out checks and I am to purchase a car. I go XX/XX/XXXX to deposit and on a told it 's held till XX/XX/XXXX because I have had overdrafts. Ok so have overdrafts now I will have more I wrote checks out and they are holding my money and will not even pay those checks they will be returned NSF really!!!

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 2017-02-07
Company: SECURITY FINANCE CORP
State: TN
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:
Continental Loans in XXXX, TN has continued to contact my mother ( I am XXXX XXXX XXXX ) regarding a loan I have with them. Once they required HER to make a payment, and yesterday XXXX called her and told her all the details regarding my account. From the date opened, to the amount of the loan, to the payments.

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 2016-08-19
Company: Resurgence Legal Group, PC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We found that we had a lien on our names and contacted the company who filed the lien. This company told us the debt was sold to XXXX XXXX XXXX, XXXX. Upon further investigation, we find that this company filed for dissolution. The company is no longer answering calls and we need to know what has happened to the debt so that any judgements or liens can be cleared.

Company response to consumer: Closed with explanation