BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello CFPB, I was made aware that my rights have been violated by the companies I will list below. These companies refuse to follow the laws! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are misusing my personal information and by law are violating my rights!

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 2016-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Bank of America mortgage. I was behind by one payment so I called in to try and set up some type of arrangement. They put me on a plan so that I could get caught up but I was still making normal payments. They wanted me to pay an extra {$3000.00} for this payment arrangement plan. In the mean time, they put a code on my account to where all payments that I was making was being put into another account and not being applied to my account. I explained to them that I did n't want their help or arrangement. This has been 6 months now. I have to call in each time to make my payment and then call back in to have my funds authorized to be moved from the account that Bank of America set up to be applied to my mortgage. I am now being told it will be another 6 months before the " code '' is removed. In the mean time, I have to call in each time. Talking to the CSR 's is like talking to the wall. They are not helpful and you have to spell everything out to them to get anything done. They do n't care about my time or the frustration that this situation is causing me. Because the funds are in this other account, this is costing me money in interest on my loan. I would not recommend Bank of America or any FHA loans to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
the company general revenue corp is currenty reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV before they decided to report on my credit file. This is not my account and i do n't know why they are reporting this debt on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
In XX/XX/XXXX or XXXX XXXX, I contacted Navient ( formerly XXXX XXXX ) to request copies of my promissory notes for XXXX private loans that were financed through XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. ( For context : I graduated in XX/XX/XXXX. I am currently repaying said loans, and have never missed a payment. ) Navient said that the only way for me to obtain the notes was via mail after they submitted an internal request that they expected would take about two weeks to process. I never received the notes, nor any other communication from Navient. In XX/XX/XXXX XX/XX/XXXX, I again requested my notes from the company. As of XXXX XXXX, XXXX I have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: AR
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 XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX, DEPT OF ED / XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, Account # XXXX DEPT OF ED / XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- 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 DEPT OF ED/XXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- US DEPT. OF EDUCATIO # XXXX -- XXXX XXXX  XXXX # XXXX -- XXXX XXXX # XXXX  -- No Acct Name # XXXX -- No Acct Name # XXXX -- No Acct Name # XXXX -- XXXX  # XXXX -- XXXX XXXX # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Someone used my personal information to open a checking account with Bank of America, and Bank of America is now holding me responsible for {$80.00} in bounced check fees. They have refused to resolve this with me, I have tried calling in to their fraud department various time, only to be told the only way to handle this is in person at a branch. I have gone to a branch only to be told that they are holding me responsible because they believe the charges are consistent. Consistent with what? This is not my account.

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 2015-08-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
In 2010, I was granted a loan modification from Chase Mortgage. The mortgage stated that XXXX was " deferred '' with no terms for repayments. When I called and asked about the amount I was told it would be " forgiven '' after XXXX years of timely payments. No where in the loan modification that I signed has a provision for repayment and it is not included in the amortization schedule sent to me by Chase Mortgage. No where in the document does it state that I am to repay this amount as I never would have agreed to such an agreement considered my homes value had dropped significantly. Chase now states that I took out a XXXX mortgage/ piggy back loan for the additional XXXX which is simply not true. They are now holding me accountable for an amount that I did not agree to pay back. I need assistance in getting Chase Mortgage to hold up their end of my loan modification agreement. I am attaching the Loan Modification which clearly states my payment terms and amortization schedule as per Chase in which no where does it state provisions for repayment of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: FEDChex Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FCR Collection Services claiming to be attempting to collect an unpaid water bill for the City of XXXX XXXX Texas. 

Incessant calls. When I finally spoke to them I asked them to verify the debt in writing and provide to me their legitimacy to collection the debt. Gave them a valid address. No written communication was ever received so assumption was it is fraud. This is for a claimed unpaid water bill when I had the water bill on auto pay ( debit ) so makes no sense that I owe anything as the City would have just debited my account. Further when I tried to contact the City of XXXX XXXX, Texas, their water department refuses to provide me with any information. 

On XX/XX/XXXX ( yesterday ) spoke with FCR Collection Services once again. Their representative acknowledged that they did not send me any written communications but now promised to. 

Their failure to send written communications after our first phone call ( they have never sent written communications ) I believe is a violation of federal law.

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 2016-10-01
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed XXXX accounts on my credit report. I received notification that the investigations were complete but the accounts still remained on my credit reports even though they should have been deleted or updated. In my opinion, There was no investigation done at all. 1. ) The XXXX XXXX ... .account was not updated at all. I have a 60 day late payment back in XXXX XXXX but I never had a late payment. The XXXX XXXX and the XXXX XXXX payment data was fine so how could I have a 60 days late in XXXX? This account was NEVER late. 2. ) XXXX XXXX XXXX XXXX ... should be deleted from my report. I do not owe XXXX any balance. Experian says that they investigated it but it had not been updated since XXXX XXXX. This is a violation of the FCRA. 3. ) XXXX XXXX XXXX XXXX ... This account should be deleted from my report. My account with XXXX had been closed and I do not owe any balance.This is a violation of the FCRA 4. ) XXXX {$140.00} ... This should be deleted from my report. The status had not been updated since XXXX XXXX. This balance was paid years ago and it is such an insignificant amount. It needs to be deleted. This is just harassment!

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 2016-10-06
Company: Nelnet, Inc.
State: CA
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:
Nelnet has created unwarranted charges to my account ; I have never agreed to pay a specific amount of money but that I would pay back what I owe in student loans. However, Nelnet has made it their mission to provide an agreement of charges, which means there have become more than XXXX charges to an original account, which for them triples the 'Capitalizing interest '. They also continue to change dates on my initial date to pay, in the beginning my date to pay back my student loans was every month on the XXXX and now they are changing it back to the end of every month and slowly without any notice backwards to maybe the 2nd week before the month ends causing me to be " behind on payment '' as they call it. 

These unwarranted charges NEED TO STOP it is unfair to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello CFPB, I was made aware that my rights have been violated by the companies I will list below. These companies refuse to follow the laws! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are misusing my personal information and by law are violating my rights!

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 2022-06-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I collect my salary under the XXXX platform, 3 months ago I made a transfer to Coinbase to buy XXXX, make transactions and then withdraw my money to another account. This month XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. So, they have withheld my money, saying that I can only convert it within the platform, but not take it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank decided to charge me {$12.00} per month for banking beginning in XX/XX/2016. Chase Bank claims I no longer have two direct deposits per month, which I do on the XXXX and XXXX via XXXX. However Chase Bank changed the way they conducts business with XXXX. XXXX payments are now routed through Chase Quickpay, which Chase Bank does not consider a direct deposit. Chase Bank is charging me to use Chase Quickpay. I did nothing to change my account. The depositer did nothing to change their method of transfer. Chase Bank changed the way they work with XXXX. I should not have to foot the bill for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a debit card for use with the Bank of America ( BOA ) Health Savings Account. Today BOA refused to allow payment of heath expenses using my card because I had already paid the limit of bills I could pay in one day. " Supervisor '' XXXX, who was a first level supervisor and who advised he had no higher level supervisor, indicated a limit of paying XXXX bills per day and no ability to override. He also incorrectly stated that this limit is in the user agreement and in the FAQs -- it appears in neither. The user agreement indicates it can put on a dollar limit if I am advised in advance, which I have not been, and there would be no reason to do so as long as funds are in the account, or stop a transaction if they think there is fraud. BOA is illegally holding my funds. Clearly this is an issue that goes beyond me, as BOA collects interest on these funds while refusing to allow its customers to use their own funds. I do realize I can resolve this with a few days, but the point is CFPB should look into this illegal practice.

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 2020-12-28
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
An account on XXXX  (XXXX ) was selling shoes through a raffle. I bought two yesterday XX/XX/2020 through XXXX as a gift for me and my boyfriend with a total of {$340.00} ( one payment of {$170.00} and the other at {$170.00} ). He received my payment and then that night blocked me deleted his comments and now has my {$340.00} and left me empty handed. I called my bank ( XXXX  ) and they told me they cant to anything because I authorized it but Im not receiving an item so that should be reported as scam - but they didnt even give options or any help. I later found out he does this to a lot of people and im not the first. 
I have no job right now and am a current college student and was hoping to get some cheaper shoes for gifts since he looked legit and has a big amount of followers. I tried to request {$340.00} back through zelle and says he can not be found with that contact information. I also contacted local authority and they told me to leave it alone since theres no case tied to it and hes not causing threat or harm ( but he did steal money from me ). They also mentioned how its happening a lot during covid. I did my research and this is how zelle and scammers get away with taking money from people. This is my first encounter and Im freaking out because I cant get my money back. 
All I want is my money back and to be at peace that this guy wont do this to other people. My bank ( XXXX ) has ties with zelle and should warn people about scams and how they we cant get a refund if anything happens with scamming. Especially during this time with covid people like me are taken advantage of without even realizing it. His page is still active and hes probably doing this to many others. If you can do anything that would literally save my life and help me out financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: MARINER FINANCE, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
***NOT A DUPLICATE COMPLAINT*** SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately. 

LOAN DOCUMENTS ARE NOT A VALIDATION OF DEBT. SEND ME A WRITTEN PERMISSIBLE PURPOSE OF THE ALLEGED DEBT AS WELL AS THE AUDIT TRAIL. I AM THE ORIGINAL CREDITOR AND I DO NOT VALIDATE THIS DEBT. REMOVE THIS ALLEGED DEBT FROM MY CREDIT REPORT IMMEDIATELY.

Please also provide the 5 pieces of information for debt validation. Your company operates under the Fair Debt Collections Practice Act so not responding to the requirements below is a direct violation of the Fair Debt Collections Practice Act pursuant to Pursuant 15 U.S. Code 1692g - Validation of debts.

Pursuant 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

IF ALL FIVE REQUIREMENTS CAN NOT BE PROVIDED THE DEBT IS NOT VALIDATED AND MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Southwest Credit Systems, L.P.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Indirect when I am asking what business matter is about then asks to verify personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-04
Company: Southwest Credit Systems, L.P.
State: TX
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:
I contacted XXXX on multiple occasions to resolve this issue that they sold an account with my name and social to a debt recovery agency and the account was never mines to begin with. I have had XXXX service for the last six years. My identity was stolen some years ago and multiple accounts were opened under my name i.e. Credit cards and and phone services. All the companies resolved the issues by removing the accounts and erasing the fraudulent accounts. XXXX however continues to tell me this debt is mine and wo n't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: IL
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 XXXX ACCOUNT # XXXX violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation