BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-20
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? Copies of what they sent me proves they have no proof with the Fair credit reporting act section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After receiving letters from the Department of Education on my permanent disability discharge for Student Loans in XXXX I tried notifying credit bureaus so that it could reflect on my Credit Reports but their systems would no allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Selene Finance For over a year on numerous occasions we have requested our payment History and documents from Selene Finance. All promises have been broken and hours on hold to speak with a rep. NO REPLY or help of any kind!! 

Sent in a payment of {$30000.00} on XX/XX/2022, for principal only and do not see this as being applied. 

When I go on our online account you are unable to request this information also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. I am appalled at Bank of America 's blatant disregard for the importance of my claim. Bank of America had failed to thoroughly investigate my claim. I was told that my claim # XXXX was denied for XXXX reason and that the other XXXX claim numbers # XXXX & # XXXX were denied for the same exact reason in which was just copied and pasted to the other claim results. If thoroughly investigated how can the denial reason be the same when a pin was n't used for claim number XXXX. After conducting my own investigation it was determined that was a gasoline charge ( no pin transaction ) and the other claim ( XXXX ) was done on a totally different day ( A week and a half prior ) and only brought to my attention by the representative that filed my claim on Saturday ( 2 days ago ). 

This is my very first bank account and I am an XXXX XXXX XXXX college XXXX. So I am very aware that it is impossible to conduct a thorough investigation in less than XXXX hours ( non business days ). I have been working with the police department and school security and they have determined that it is impossible to conduct a thorough investigation. I would like surveillance cameras looked over and witnesses questioned. That was my college refund money that was compromised and my bills depend on the money that was in my bank account. The incident occurred at a casino mile s away in North Carolina while I was at class. I have gotten statements from my professors who could attest that it was utterly impossible to be in XXXX places at once. 

For Bank of America to be XXXX the biggest banks in the world. I ca n't believe that my claim would not be thoroughly reviewed. And not only was it not reviewed it was concluded based on a lie. How can you take XXXX claim conclusion and place it all on XXXX claims with XXXX totally different circumstances. Whoever reviewed this case did not represent Bank of America and it 's alleged dedication to its customers appropriately. 

Therefore, I am requesting a thorough investigation as well as a provisional credit until the investigation is concluded. I would also like a detailed report of the investigation. 

Bank of America has refused to honor the letter from school and XXXX PD stating that I am not a suspect and that pin was compromised with my card and other personal information.

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 2022-11-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is to follow up with my request to send me debt validation, you mentioned on your response that you were sending me documents but I don't see anything like a validation letter. Please send it to me by responding to this message so the CFPB would also know of your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Issue : I 'm about to be sued for a non-existent loan. 
Details : In college, I had all government-sponsored student loans including XXXX. I did not have any private ( non-government-sponsored ) student loans. After completing my studies in XXXX I consolidated with XXXX ( now Navient ) in XXXX, but because I could not make my monthly payments, in XXXX all of my student loan debt was mandatorily consolidated by XXXX XXXX, which has been my servicer of all my student loan debt ever since. 
Despite my XXXX consolidation with XXXX, I have been contacted by Navient, which claims that I owe Navient a XXXX student loan debt of approximately {$4700.00} and say that I am late in making monthly payments to Navient ( which I have never made ). I exchanged several messages, and spoke at length by phone, with a Navient agent, but Navient can not explain what this alleged federal " student loan '' debt is from -- and can not explain why ( if it was actually a legitimate student loan ) it was not included in the XXXX XXXX consolidation that took all of my student loan debt from XXXX and brought it to XXXX XXXX. 
Now, Navient has sent me a letter saying that they have reported my late status to the credit bureaus and is beginning the process of suing me in court to obtain a judgement against me for the alleged student loan debt. So, despite my countless efforts to get an answer from Navient explaining what this alleged debt is from, and ( if hypothetically it was legitimate ), why it was not consolidated along with the rest of my student loan debt with XXXX in XXXX, now I am forced to bring this matter to your attention and to beg your assistance in 1 ) stopping Navient from pursuing me for a debt that appears to be a mistake of some kind, and 2 ) stopping Navient from ruining my status with the credit bureaus, 3 ) stopping Navient from suing me in court. 

I await your help, XXXX XXXX ( ps : Navient has given me an account number : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Bank of America froze my loan. They, the home equity line of credit division, told me that my house had lost equity. Therefor they had to freeze my loan. I got comps showing that my house had increased in equity. Then they said that my credit report was not good. I got copies. They admitted to me and to XXXX, loan officer at Bank of America, XXXX XXXX, California, that my credit was good. And it is. Then I received a notice saying that I had material changes in my financial circumstances and they would have to freeze the loan. This, freezing my loan, took place in XXXX, XXXX and has continued since. 
I asked to see a signed copy of my contract. They do not have one. They have stalled on this now for nine months. I had insurance should I not be able to pay my loan. They said I had cancelled it. I asked for a signed copy of such a cancellation. They do n't have one of course. 
They have also claimed that they had to freeze my loan because of liens. Those liens were on my home since XXXX, well before I established the line of credit. 
I have continued making payments, have asked for proof. Every conversation I have with them tells me that they intend to take my house and they will listen to nothing. Here 's the thing : The comps say that my house is valued at {$230.00}, I currently owe only {$22000.00}. My realtor, as I have my house up for sale, represents bank of America with foreclosures in my area. She claims she has seen B of A do this same scam with others. 
So ... I had arranged to leave the last {$3000.00} untouched and use for payments. The bank has put unnatural pressure on me by freezing my loan. 
So what happened next.? First they charge me late fees when there are n't any. ( I have made sure XXXX XXXX B of A monitors all my payments now. ) They have raised the amount of pay back to XXXX rather than XXXX or 31 days three months in a row. XXXX has practically yelled at them over the phone telling them they ca n't do that. XXXX XXXX used to work in B o A loan department. ) An employee in the department confided to me that they should n't be doing this to me. Her name is XXXX. XXXX I had a recording. XXXX, XXXX of B o A XXXX XXXX fought for me. Just retired. He thought what they were doing was ridiculous. 
Next I get a letter from B of A saying that my loan expires on XXXX, XXXX and I will either have to pay back loan in full or I will be paying much larger payments per month. This last loan began in XXXX. And already I have to pay it back in large sums. 

My issues are XXXX those listed at the bottom of this page : Making payments, signing agreement, problems when you are unable to pay..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We are in the midst of refinancing with Bank of America, with supposed date to close escrow today. The overall communication is very poor with Bank of America. We get inconsistent emails and phone calls on the progress and requirements needed for loan documentation, and the worst item is that our appraisal report was incorrect. The B of A loan manager still stated that our home value ( which we dispute ) is still the same and we still have to pay the appraisal fee. We 're sticking with this refinance as the locked rate is low and fits within our budget, but I want to know is there any accountability that Bank of America and XXXX Appraisal? We also request that we do not pay for the inaccurate appraisal report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
If I have a block against anyone accessing my records why are you allowing them to do so. What is the purpose of the block which is outlined in the fair Credit reporting act if you choose who can access my records without me. You allowed companys to access my records and then are holding my accountable for them accessing it. This is unscrupulous ; you may as well just post my information for the world to see. You have a responsibility to protect my information for which you have failed to do so and now you are trying to side step your responsibilities and push it off on someone else. I have no choice but to allow you to monitor and protect my information the least you can do is be competent and do your job.

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 2015-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a checking account with Wells Fargo Bank for a few months and signed up to their overdraft protection. They charged me overdraft fees that they were not supposed to charge and I already filed a complaint with your department about that issue. After they received your complaint, they removed XXXX of the fees. I immediately told them that I wanted to close my account since I do not want to do business with a bank that charges me fraudulent overdraft fees and they now say that I can not close the account since it has a balance that I owe. To be in good faith and so that my record would n't get affected, I stated to them that I would pay them {$25.00} per month. Now I hear in the news as of today, XXXX/XXXX/15, that there is a class action lawsuit in XXXX XXXX XXXX against Wells Fargo bank for charging overdraft fees and other types of fees to their customers illegally. I called them today and stated that I will discuss the matter with an attorney before making any kind of payments since I feel that the amount/fees they are charging me are also illegal like it states in the lawsuit. They stated to me that if I do not pay the whole balance in full immediately they will close my account and it will affect my records. I want to be able to close the account, not them, and I had already made payment arrangements and they would not allow me to close the account myself. I believe they just want to put all this bad reporting on my record in retaliation since I filed a previous complaint with your department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Westlake Services, LLC
State: GA
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:
An account closed on XX/XX/2017 for a reported balance of XXXX has been reporting on my credit profit as a payment after charge off/collection settled for less - less than the full balance, which is inaccurate, I have contacted the company and the credit bureaus regarding this inaccurate issue but nothing has been done regarding the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent multiple letters to XXXX XXXX as well as the Credit Bureaus and they have both failed to respond to either of my letters. It has been past the required timeframe for them to respond. The Credit bureaus I wrote a letter on XX/XX/2021 and for XXXX XXXX I sent a letter on XX/XX/2021. I am asking them for validation on a Bankruptcy being reported on my credit report. They have failed to respond even to my original letter which was mailed on XX/XX/2021. They are in violation of my rights by not responding. I have reached out to the Bankruptcy courts and they responded letting me know they do not provide my records to the credit bureaus in regards to my bankruptcy. I will attach all letters mailed for verification.

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 2015-10-29
Company: WELLS FARGO & COMPANY
State: AE
Product: Credit card
Issue: Other

Complaint:
I am XXXX and own a home in SC. My XXXX company offers a interest free financing through Wells Fargo for a major repair I need. Wells Fargo does not recognize the XXXX as a " valid address '', thus precluding my application solely based upon my military service. This seems unfair to deny me equal access to credit because of my assignment on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
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: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent multiple letters to XXXX XXXX as well as the Credit Bureaus and they have both failed to respond to either of my letters. It has been past the required timeframe for them to respond. The Credit bureaus I wrote a letter on XX/XX/2021 and for XXXX XXXX I sent a letter on XX/XX/2021. I am asking them for validation on a Bankruptcy being reported on my credit report. They have failed to respond even to my original letter which was mailed on XX/XX/2021. They are in violation of my rights by not responding. I have reached out to the Bankruptcy courts and they responded letting me know they do not provide my records to the credit bureaus in regards to my bankruptcy. I will attach all letters mailed for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

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 XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: MOHELA
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My loan was in deferment/forebearance and MOHELA reported it as late for several months when I contacted them they said they were going to remove the incorrect information and it still remains

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation