BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-01
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for and received a mortgage in XXXX from BB & T. At the time they asked if I would like a free checking account. I decided I could make use of a different bank having an account, so I accepted the free checking account. I paid the mortgage faithfully. I sold my home in XXXX XXXX and paid off the mortgage. I did not close the checking account. I rented a new place, I found a new home, I moved my furniture, I remodeled and redecorated. This is to explain why I did not sit down and read my monthly statements from an account that never had any transactions from me in 5 months. Finally I looked at the account statements from BB & T ( who had never charged anything for an account with XXXX dollars in it ) to find out they were now charging me $ XXXX!!! maintenance on an account I wrote XXXX checks per year out of. 
Agast, I went to my local branch and they credited me back on 3 of the 5 months worth of unannounced maintenance fees. I feel this is intentional fraud. They know someone is in transition when they sell a home and pay off a mortgage. They realize they are not likely to remember the fine print in the mortgage they signed 4 years earlier. This fine print in the mortgage was the explanation I was given when I went to the local branch. 
They said someone would call and talk to me about the other 2 months worth of fees {$60.00}. 
But no one even attempted to call me or refund the ill gotten gains.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CORELOGIC INC
State: GA
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:
On XX/XX/2021 i contacted CoreLogic PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize CoreLogic or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.

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 2017-02-28
Company: BB&T CORPORATION
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a vehicle loan thru XXXX. Being laid off from job, I was told that they do not refinance and i would have to find a finance company that will refinance. but due to the high interest, i owe {$13000.00} over the blue book value of the car and still not employed no one will finance the car. XXXX were nice to give me a deferment in XXXX till XXXX. However, since XXXX, I have called, left several messages and talk to representatives to be told I would be called back regarding the surrendering my vehicle process. I dont know what to do, can you help?

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 2015-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, I am writing this letter to complain about services from Select Portfolio Servicing XXXX Inc. ( SPS ). They have been managing my load for the past couple of years and I have had a horrible experience with them. I have been asking the company to remove my home owner insurance from the escrow account since XXXX of 2014 and the failed to do so. I wrote letters and called many times and every time I heard a different and usually conflicting story. They deferred this request few times and never resolved the situation. Each time that I talked to a representative I heard a different story. It has been a frustrating experience for a simple request. I felt responsible to write this letter and complain so this type of behavior and services are prevented for other citizens. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Mirand Response Systems, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Representative called asked for my spouse, stated they were not available, asked if I was me, I said yes who is this, they refused to state business name, said it was a personal financial matter, I again asked who they were, he refused said they had all XXXX digits of my SSN and I asked how, he refused to answer who they were. Told me to " take care of my financial issues '' and hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Sent them a validation of debt, letter of demand and notice of dispute they told me I owe a debt I sent them those letters and got no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: TN
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 am a victim of Identity Theft. There are lots of accounts in my credit report that is not belong in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a changed off from 7 years ago that is not removed from my equifax credit report. This charge off is over 7 years old and should be removed and has been from all other agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
A repo guy was sent to my house for a car the repo man called me a XXXX, a XXXX, XXXX! I tapped on his truck to tell him he needed to leave due to him being rude to me. When i did that he opened up his truck door and jumped at me and said XXXX i should XXXX! I told him to leave or im calling the law. He told me he will watch me every where i go.i would have given him the car until he started calling me names and jumped at me as he was going to jump on me. This is concedered breach of peace. The car broke down XXXX weeks after i bought. it. The engine has locked up in it. The cost of a new engine will be {$3900.00}. I have been unable to work due to this problem and my husband is XXXX. The guy told me i was lazy which is not true. I would love to go to work if i had a running car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX moved out of a warehouse in XXXX in XXXX 2015. A new tenant moved in XXXX 2015 and they did not convert the electric account to their name. The electric company XXXX assigned the matter to IC Systems a collections agency. IC Systems contacted us for payment on XXXX XXXX, and we advised them that we are not responsible for these charges. IC Systems continues to harass us for payment and is threatening to blemish our credit and any accounts we have. Attached is a copy of the threat.

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 2016-01-21
Company: Paypal Holdings, Inc
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I made an on line purchase of a class ring in XXXX 2015. The vendor used PayPal as a method of payment. Having purchased several items using PayPal who has my credit card on file there was no problem. After several weeks of not having received the item, I gave the vendor a deadline to have the item delivered or the purchase would be cancelled. The item was not received and there were no charges on my credit card so I assumed to purchase was cancelled. Sometime in XX/XX/XXXX or XX/XX/XXXX I received a bill from Bill Me Later/PayPal for the item. I contacted PayPal and XXXX XXXX and advised them I never opened an account with them and that the purchase in question was to have been placed on my credit card. I requested copies of my loan application, loan contract and disclosures, none of which have been provided. I attempted several more times to obtain documentation, all requests were ignored. I continue to receive statements and now I received a collection letter from a collection agency. This account was and is a fraudulent account not authorized by me and should never have been opened. I advised PayPal that the purchase was cancelled and that they should contact the vendor if they paid him.. The representative told me it was not their responsibility to resolve the issue however it is my understanding that since they did open an account on behalf of PayPal that under the Holder in Due Course Doctrine, they do have a responsibility. Either way, I did not authorize PayPal to open the account and from what I can tell, I am not an isolated incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i ordered computer parts and payed with my paypal account. when i clicked the summit button it said thank you for using pay pal credit. i know i did n't sign up for paypal credit the money was taken out of my regular paypal account they are duping people into believing they signed up for it by mistake.i have ordered many times from paypal and i know i filled out the forms correctly. and when i clicked the summit button to transfer money from paypal to XXXX it magically turned up saying thank you for using paypal credit ... .if i used paypal credit why was the money taken out of my regular paypal account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-06
Company: The Regional Adjustment Bureau, Incorporated
State: TX
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 submitted a previous complaint : Ref Number XXXX The company who is handling my student loan ( RAB Inc ) said the dispute was resolved and it is not. They admitted to me by phone that whomever they bought my loan from finally gave them the records that I was always on time with my payments and not in default. My credit was extremely adversely affected by no fault of my own. Bringing my credit score from XXXX to XXXX. I want RAB Inc to submit a letter to me saying that they will take the derogatory marks off my credit through all XXXX bureaus immediately. I want a letter in writing. This company is ridiculous.

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 2017-01-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
I ordered items from a vendor in XXXX 4 months ago. Not until now did I receive this order. However, the item is not what I ordered. I tried to contact the seller through QQ - a chatting program similar to XXXX, after a few words, the seller blocked me from her account so I can not reach the seller anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I file for bankruptcy CHXXXX on XX/XX/XXXX and the discharge of Debtor and Final Decree was issued and dated XX/XX/XXXX. On my XXXX and XXXX Credit Reports all of my accounts included in my Bankruptcy show as paid and/or included in Bankruptcy but on my Equifax Credit Report all the accounts included in my Bankruptcy are being reported as Negative Status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at 15 U.S.C. 1691 et. Seq. ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. 1681 ). 
Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California Gov't Code 27201 et. Seq. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. 
Because of this discovery we have demanded that the trustee cancel TS # : XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. 
I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, " XXXX '' is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. 
A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX v. Superior Court ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX v. XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by QLSC. XXXX was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. 
It is in criminal violation of Cal. Penal Code 115.5, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. 
After receiving no response from XXXX XXXX XXXX XXXX, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX XXXX, XXXX Kimball , Tirey & St. John LLP, in co-operation with The XXXX XXXX XXXX XXXX reported to XXXX  a debt that was discharged in XXXX due to a bankruptcy filing. XXXX, XXXX XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX transmitted an electronic email to me ( XXXX XXXX XXXX the email stated the reason ( s ) why our recent rental application ( s ) were denied by The XXXX XXXX XXXX XXXX XXXX XXXX  has since reported this alleged debt and it has caused significant damage to our credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I sent out a letter To Verify The Accuracy On my Credit Report onXX/XX/XXXX2021. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.

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 2021-05-19
Company: SIMM Associates, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calling about a " business matter. '' Would not give me any information until they collected my name, address, email, social security number, and " confirmed my bank account information. '' They called themselves SIMM Associates. A quick search online brought up multiple accounts of scams from others describing the same experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I encountered missing money in my account with a total of almost XXXX. My bank BBT has denied my dispute and are not even providing me with a temporary credit until they can investigate clearly without making assumption on why I could n't have prevented it. I informed them that someone close to me might have got ahold of my pin and was using the card at the same time. But they are not willing to look beyond and I am now suffering the lost of almost XXXX. I do n't know what Else to do now that I do n't have none of my savings anymore.

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 2017-03-21
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company added XXXX accounts my credit report with no notice in XX/XX/2017. This is XXXX of XXXX Accounts. This account is also reporting twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I deposited a check for {$190.00} into my keybank savings account. Prior to this deposit I had {$15000.00} in my savings account. The following day I logged into my account online and saw that my balance was now $ XXXX. I opened my account and saw XXXX Atm deposit debit adjustment {$19000.00}. XXXX I went to my local keybank branch in XXXX NY and was told that there was a glitch in the ATM, and the system they needed to use to look at this glitch would not be accessible until Monday, XXXX this was Friday morning around XXXX XXXX. I was leaving Friday night through Monday for a vacation to XXXX Beach, and fortunately I had access to my checking account. However, I had several bills that were auto deducted from my checking account that weekend and therefore my account became a bit lower than I am comfortable with and I ended up having to borrow money from a family member in order to avoid using my debit card. Normally when my checking becomes low I transfer money over from my savings, but I was unable to do that this weekend. On Monday XX/XX/XXXX a representative from keybank called me around XXXX stating that they looked into my account using the system and the money would be deposited on Tuesday. The money is now back in my account, however this caused me a great deal of distress over the weekend and I wanted to report this so it doesn't happen again to someone else. Thank you for your time! 

XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: AR Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor originally was sending me a bill for emergency medical services that were pending to be covered under the state 's XXXX program and I was working with the hospital for coverage, but it was taking quite awhile. I called and notified them of this. The hospital forwarded the debt incorrectly to this collection agency when it has been covered by XXXX. Additionally, the hospital eventually provided me with grants to cover ALL outstanding debts. Also, legally in PA the hospital and it 's contractors can not charge me for uncovered medical services regardless of the cause because I was covered under XXXX. I have never been contacted by phone or mail regarding the debt after my notification to them of my pending XXXX coverage and they have not identified the debt nor have they provided me with any information regarding this debt. I called and requested proof of the debt. I have received no validation notice proving this debt before they reported this debt negatively to the credit bureaus. This is a violation FACTA and the Fair Credit Reporting Act because they are have provided inaccurate information regarding a debt I do not owe despite my attempts to contact them regarding this debt.

Company response to consumer: Closed with explanation