BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/2014 I received a settlement of XXXX. Less than 2 months later {$89.00} XXXX is spent. I 've never made any major purchases such as cars, houses etc. I closed my account after speaking with a wells fargo representative asking her is there any way some one could take money wuth out my knowledge she replied no. I just called wellsfargo and they have no records of my banking info stated it wss archived. After soeaking with XXXX from FDIC she stated they should gave kept my records for 7 years. At this point I am requesting a full investigation of fraudulent activity on XXXX account number XXXX routing number XXXX XXXX. 
Thank you XXXX XXXX XXXX Ga 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 2015-08-14
Company: Alpine Financial Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was contacted twice on XX/XX/XXXX by a company calling themselves " XXXX '' and they represented " XXXX XXXX. '' I was told that I owed them a debt from 2008 and that they were hired to attempt to collect the debt prior to trial. I have never dealt with " XXXX XXXX. '' They also provided a social security number that was not mine but did not believe me when I told them that was not mine. I did not provide any information and told them that I do not believe them, I think this is a scam and I am reporting them immediately.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: Security Credit Services, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and there were XXXX accounts involved. I did not know of this till XX/XX/XXXX when my mother became ill and passed away I did a re-fianc on the home left to me. Upon running a credit check I found these XXXX accounts that were not mine and I started checking into and filed a fraud statement with all the creditors. I received 11 letters from the agencies releasing me from the debt and they were removed from by credit profile. I never received a letter from Security Credit Services but they did take it off my credit profile and I never heard form the again. In XX/XX/XXXX the closing date for my I home I learned that they had a lien on my home. I was upset as in the 3 years since I worked on this I never heard from them. On XX/XX/XXXX the fraud paperwork was sent to them and I learned that on XX/XX/XXXX Security Credit Services Sold this account to another agency and never released the lien in their name on my home. Since XX/XX/XXXX I have reached out to Security Credit Services by mail, fax and phone. I spoke once to a XXXX XXXX that was suppose to look into it and call me back but never did, my mail and calls after that were never responded to. Yesterday I was finally able to talk to a XXXX and explained the situation. I explained that it is not fair that they have a lien on my home for an account that they do not own. That statement was ignored. I asked for the owner who is XXXX XXXX but was told she is on vacation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a modification and were told by phone we were removed from review due to " affordability. '' But no additional information was provided verbally or in writing. This occurred XXXX 2015 Wells Fargo Home Mortgage Services. We then went to a housing counselor who submitted a second request for review in early XXXX. We then received a letter stating no changes were indicated sufficient to warrant a review and that no review would occur. Our counselor called the servicer and was told we should have received at XXXX page document detailing the reasons for decline. We did not, but requested it be resent. At that time, XXXX XXXX, 2015 we were told to contact the " Re-entry '' department and be screened for possible reopening or our request. During that conversation we were told that the payment was less than 31 % of our gross monthly income, but that our fixed social security income does not match that shown by the bank. They tried to explain that the income is grossed up because we have no tax liability. This is unfair and since we never see any additional money as a result of this, losing our home over imaginary money should not be possible. We were denied a modification, not given a reason, and when pressed the reasons were not accurate. Our monthly income is XXXX, our house payment is XXXX and this does exceed the 31 % ratio the program is based on. We should be reviewed again and the actual income received utilized to make this determination. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sold this account to 2 different collection agencies and the debt is not mines and now its on my credit report as a duplicate account source receivables and receiveables performance for the same amount of XXXX neither of the accounts belong to me. They just dropped my score XXXX points I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Mobiloans, LLC
State: FL
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
On XXXX/XXXX/2015 I spoke with XXXX different representatives at Mobiloans , LLC who XXXX confirmed with me that a payment would be authorized for XXXX/XXXX/15. Two days later they charged my account in the amount of {$130.00}! TWICE!! This caused my account to have multiple overdraft fees as I had authorized other bills to be paid. When I called them, they told me they were sorry and that it was a mistake on their end, but unfortunately there was nothing they could do about it. This company has caused me so much unnecessary stress, I would never recommend them to anyone! STAY AWAY FROM MOBILOANS!

Company response to consumer: Untimely response
Consumer complaint received 2016-01-15
Company: Niagara Credit Recovery
State: NY
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:
I was contacted by a company called Niagra Capital Recovery and they gave a phone number of XXXX. They left a message stating that they went to my house to serve me papers and since I was not there the suing party was going to take action without my knowledge ( which I think is illegal - I think you must be served papers and that they make multiple attempts to do so ). If I did not call today they would get my wages garnished without my knowledge and it could result in jail time. They gave me a case number. I called the number and got voicemail which is very strange since I called XXXX and most debt recovery places are open until at least XXXX XXXX. I explained I wanted proof of the debt before anything happened but no one called back. I keep getting phone calls ( from what I think are the same people ) at my job and once they find out it is me on the line they just hang up. It 's kinda scary. I looked them up online and no legit business website exists and many have reported them as a scam. I pulled my credit report after and did not see them listed on there.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and XXXX ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for XXXX sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for 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 non-monetary relief
Consumer complaint received 2016-03-10
Company: First Recovery Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received two calls robo calls from First Recovery XXXX. The voicemail left a callback number XXXX and a acct # XXXX. I call the number back and the person who answered the phone asked if she were speaking to XXXX and wanted me to verify my ssn. I responded that I was she but would n't verify my ssn. I was told that they would give me any information until I verified the ssn. I said that 's fine. This is a scam and I will report this call to the FTC. The women then said " when you make the report tell them to come lock your XXXX up '' and then quickly hung up.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-20
Company: Oklahoma Student Loan Authority
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I sent the student loan payment for certified mail. I noticed that OSLA the student loan administrator didn't make cash the check. Also I received calls on XX/XX/XXXX at XXXX XXXX ( phone XXXX XXXX XXXX XXXX ) asking me to subscribe to automatic loan payment. also OSLA sent it to me two emails on XX/XX/XXXX asking about same questions and let me know I didn't the payment. Tired of that situation on XX/XX/XXXX, I sent to OSLA and email requesting to cash the checking that I can proved was sent it for certified mail, ALSO REQUESTED THAT THEY STOP THE HARRASMENT AGIST ME AND STOP TO PUSHING ME TO DO STUDENT LOAN AUTOMATIC PAYMENTS AND ALSO, REQUESTEM THEM RESPECT MY RIGHTS. 

Concerned with that situation I sent it again for certified mail on XX/XX/XXXX my student loan payment of XX/XX/XXXX, Again in XX/XX/XXXX I noticed that the check was not cashed again for OSLA. Inmediately the same day I sen it to OSLA a new email requesting to make cash the payment and STOP THE HARRASMENT AGAINST ME. 

To prevent problems with next payment of XX/XX/XXXX, I sent it again for certified mail the student loan payment with one month of anticipation. 

OSLA ANSWER MY EMAIL OF XX/XX/XXXX IN A VERY NOT RESPECTFUL WAY : they left message in my box mail ON XX/XX/XXXX, from phone number XXXX XXXX XXXX XXXX at XXXX XXXX  ( inappropriate hour to do that call too ), asking again for a payment that I did in XX/XX/XXXX. In addition OSLA sent it me four emails the on XX/XX/XXXX and XXXX requesting me to do a payment that I did in XX/XX/XXXX for certified mail. 

I am concerned about OSLA RETALIATION, they are not helping me and are affecting intentionally my credit, credit scores and credit in general. 

I REALLY NEEDS YOUT URGENT HELP, OSLA BEHAVE LIKE I DON'T HAVE RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HelloMy name is XXXX XXXX XXXX XXXX. I have submitted documentation to the BB @ T escrow dept XXXX to adjust my taxes and they still continue to refused to do so. 

The first time they wanted me to write a detail letter of why I was disable. ( this violate the health care privacy act ). When I told them I was n't going to give them this information they said they could not guarantee my form being processed. 
For the second time today I spoke with XXXX XXXX and I explained to her again that I was XXXX Total and Permanent and that I needed my taxes adjusted. SHE REFUSED TO DO SO.. 
BB @ T keeps asking for the same documentation that I have already sent them and then they say that it is n't sufficient. 
I spoke with the XXXX County Tax Collector Office and I was told that the document they provided me is what needed to make such adjustment. 
I was also told that the XXXX County Tax Collector 's Office that Banks in general were giving disable VETS a hard time in accepting this form that shows their tax information. 
I think someone should look at this issue. No Veterans should have to endure this kind of abuse from any institution. 

This is n't just for me but for every Veteran up there that has to deal with abuse and non sense daily. 

Included is the documentation that has been fax to them XXXX since XXXX with no positive result. 

Ps This directly violates Federal Law found in the Federal Registry Of Regulation. 

Please get the word out. I know I am not the only dealing with this abuse. 

Thank YouXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: BB&T CORPORATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a bank account with Bb & t Bank. In XXXX Ky. They overdrafted my account by charging me a monthly service fee. I had the account for multiple months and was never charged it before. So of course I refused to pay it so now they have me blocked in the XXXX and showing up on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: ROC Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX with XXXX has contacted family members with no connection to my debt, despite acknowledging and agreeing to a verbal cease and desist to such practice. She is also threatening me with legal action if I do n't " pay immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: U.S. BANCORP
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This item came back as belonging to me. I paid off this credit card and its showing I owe a balance of {$180.00} and charge-off. I have attached my last statement where it show 's {$0.00} this account never went into a charge-off status. Please remove from my credit reports.

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 2016-10-05
Company: N&S Partners
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
An employee at my workplace transferred the call to me since they were asking for me using my maiden name, I changed my name 7 years ago, stating they were a process server and they wanted my address. When I talked to this so-called XXXX, she provided me with another number to call ( XXXX ) and a case number XXXX. I asked XXXX for her number and she said she could not disclose it since they get death threats all the time and their number is always blocked. Our phones at work have caller ID, and I pointed out to her that the number showed as ( XXXX ) and she was amazed that it was not blocked and confirmed that was her number. They continued to harass me at my place of work, calling the receptionist and demanded to speak to my supervisor. I then tried calling them back, most of the time they would not respond. When they did respond I told them to stop calling me at work. The last time they answered I was threatened and told they would be sending a wage garnishment to my payroll department at work.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-12
Company: EQUIFAX, INC.
State: MO
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:
THE LISTED ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE ACCOUNTS NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Transunion has violated my rights by reporting the following accounts in violation of Federal law. 

XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX  Account # XXXX 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 : 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 2022-04-17
Company: EQUIFAX, INC.
State: WI
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:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Equifax, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given ( which is fraudulent ) to allow them to furnish any of the information they have listed below and I want it all deleted and blocked immediately. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15. 
XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXX XXXX XXXX  WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have being paying my student loan ( {$500.00} ) plus extra each month ( approx. {$250.00} ) to pay off faster & I have been doing this for years. The " Amount Due '' has not changed since interest rates ( prime ) were lowered XX/XX/XXXX/XX/XX/XXXX. Suddenly XX/XX/XXXX they lowered my payment by {$110.00} and applied an additional {$940.00} to the principle. I found this odd so I called 3 times to get an answer from them. I was promised 2 times that they would send additional information to explain what happened & prove that they rectified the situation correctly but I have not received anything yet. They can not provide any detail over the phone except it was taken care of correctly. One of their reps was extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Calling while at work every 2 hours, unwilling to work with me requiring amounts of money that I can not come up with ... wants me to st up automatic payments which I do not feel comfretbale with the XXXX co signers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
7 times since XX/XX/XXXX we have been told by Navient that we either had past due amounts or additional fees due. Each time we call Navient to settle these issues we reach the XXXX where they barely speak English and have little idea what the left hand in XXXX, PA is doing. What we do know is that in XXXX XXXX, PA they intentionally mis-apply the money we send to them so they can tack on late fees and past due amounts. Then we get a letter from Navient that states we have a past due amount of {$110.00}. Every time we call Navient they tell us somebody has mis applied the money we specifically ear mark for each account. We put the account numbers on the two checks we send in each month and then we send in a typed form with the account number, the amount of money still owed on that account, the interest rate being charged, the monthly amount to be paid, and finally the check number to subtract the monthly amount from. Yet 7 out of 12 months they harass us with past due amounts. We can never find out who the somebody is that is responsible for not being able to read what is sent them. It is simply a case of greed, fraud & trying to get more than they deserve. The CEO needs to take responsibility for a corrupt and evil company. The last I knew the CEO of XXXX made 4.6 million dollars a year doing the exact same thing as Navient and XXXX. Why so much money for ripping American 's off???

Company response to consumer: Closed with explanation