BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-21
Company: Central Portfolio Control Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Central Portfolio Control keeps calling my cell phone, just leaving a name and the company name and to call them back at XXXX. It is different that the number they call me from which is XXXX. I did an online search for Central Portfolio Control and it looks like they are a real company for debt collection. I do not have any outstanding debt. I run credit reports XXXX4 times a year and have alerts set up on my credit. I do not have any oustanding debt that is not up to date and in good standing. SO, I am unwilling to call this organization back and even give them a chance to talk as I see it as being a fraud. Also, they call my cell phone, not home phone which I find strange. I want them to stop calling. I have not had any original company call me and requesting payment on anything, and as I mentioned, I do not have anything that is in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}

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 2015-10-26
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Alpine Credit Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX CO XXXX to request a paid in full letter after making my last payment to bring my account to a XXXX balance. A gentleman who identified his self as the owner of this collection agency by the name of XXXX ( who did not provide a last name ) informed me all I will receive from their office is a receipt showing I made the last payment and that will be it and proceeded to hang up in my face with a very unprofessional attitude. As a consumer that took the time to contact this collection agency to take care of her dept should not be treated so rude be a professional company that is licenses by the state of Colorado to perform such services. If collection agencies are permitted to conduct business in such unprofessional manners, people who have debt to this Alpine Collection Agency Inc. does not have a chance of being treated fairly. I believe every collection agency should be required to use recorded lines, just for reasons like this one and this company does not support recording their conversation with their debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Act. The List Of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXXXXXX # XXXX, Account : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent AR Resources, Inc a certified letter requesting that this alleged debt be validated baring a original signed contract to no avail. AR Resources only sent me back a invoice totaling the amount of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
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 Act. The List Of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX # XXXX, Account : XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2022, I wrote to XXXX, XXXX, XXXX requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.

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 2016-03-02
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a vehicle that was written off on my credit report in XX/XX/XXXX after it became delinquent in XX/XX/XXXX. It was financed/purchased XX/XX/XXXX.I called on XXXX/XXXX/XXXX to ask for an application to file lost title on the vehicle, as I have done on numerous occasions, since the finance company has indicated numerous times that they do not have a title for the car. Instead of sending me the application agreed upon they immediately went back and added the charge off again to my credit report as of XXXX/XXXX/XXXX. I just realized then that they have been re reporting the charge off every year. at least since XX/XX/XXXX that I can see on reports that I have. This charge off should be falling off my credit report next year, and they have resubmitted it, so that it will show for another 7 yrs. I want this charge off date to be put back to the original XX/XX/XXXX charge off date, as the information reported XXXX/XXXX/XXXX is very inaccurate. You can see from the attached XXXX and XXXX reportings on my credit report that Ally is reporting that I financed the car in XX/XX/XXXX and it was reported as delinquent in XX/XX/XXXX. I bought the car brand new in XX/XX/XXXX for about {$15000.00} at {$320.00} mo. I only had about 4 months left to pay on it when I could n't afford to pay, and it actually became delinquent in XX/XX/XXXX. So it is being mis-reported every year, and only because I called to try to get a title, which I still have not been successful in getting.

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 2022-11-02
Company: Risecredit, 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: Information belongs to someone else

Complaint:
A potential employer made me aware that my credit report is showing charge off amounts for XXXX XXXX XXXX XXXX XXXX XXXX and Rise Credit. I've paid the loans I've previous had and have the proof that they were paid for the 1st 2 companies listed. I have no affiliation whatsoever with the third company. This error is showing on my report and is making it difficult to move forward with possible employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a mortgage serviced by Green Tree servicing ( now Ditech ). They failed to perform an escrow assessment for 2014 which is required by law. I am now receiving demands for payment along with my mortgage that is XXXX % higher than normal. my mortgage payment went from {$1300.00} to {$1800.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Fifth Third Bank has approved and processed a series of charges to my checking account from the following company XXXX, using an alleged debit card linked to my account, starting on or about XX/XX/XXXX and ending on or about XX/XX/XXXX. Please see the enclosed spreadsheet to show the series of charges that were on my statement that I logged into the spreadsheet for easy reference. I would assume that the company name is an acronym for XXXX XXXX XXXX. None of the products were either ordered by me, or delivered to either my mailing or physical address. 

In addition to the erroneous charges that were made to my checking account, I have never used a debit card from Fifth Third Bank ever in my experience with this bank. I have on several occasions asked for them to cancel the card permanently, and not send me any debit cards. They did initially send me a Debit Card when I opened this account back in XXXX, but I destroyed the card and did not activate this card. 

I consider these charges to be both erroneous and fraudulent. At no time were these charges authorized by me, and they were being paid using a debit card that was not authorized by me. I did contact Fifth Third multiple times in order to address this issue, and while some of the charges were credited back to my account as listed in the spread sheet, Fifth Third currently refuses to cooperate with me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Select Porfolio Servicing continues to leave notes outside my door. I would like it to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Strong arm Lender Placed Flood Insurance, suspicion of wrongful conduct by by Bank of America Home Loans XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. Bank of America has forced Flood Insurance premiums for insurance on a residence that according to revised FEMA flood mapping is well above the 100 year mean high water flood stage and additionally, the residence is well above the 500 year flood level indicated on the FEMA mapping. We are consistently having trouble communicating with Bank of America Insurance Department. We have sent documents from a local Professional Licensed Surveyor and have sent FEMA mapping indicating the same. Curiously, B of A reports never having receive the paper work after sending the same many times. Our attempts to follow up on these issues typically result in B of A requesting that we re-send the documents or forms in question or passing us from one B of A employee to another that lack any common sense or authority for several hours at a time. Bank of America has decided to charge our family excessive ( XXXX XXXX XXXX ) insurance fees to my line of credit and upset our monthly home payments. We have had nothing but trouble with Bank of America since Countrywide was purchased by Bank of America. Bank of America truly should not be able to wear the moniker " AMERICA ''. 
Our desired resolution would be that, Bank of America accept our professional licensed land surveyors professional judgement that our residence remains higher than the 100 year flood mark and well above the 500 year flood mark as it has for the last 25 years. Funny, thing is our county will not let a person build in the 100 year flood plain and it has had these county rules for at least the last 25 years.

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 2016-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
The mortgage company, Bank of America, requested an IRS Form XXXX to verify tax information. We completed and signed that form. I later received correspondence including a copy of the form the Bank submitted, from the IRS requesting contact to their identity theft department. When I compared the original form to the one submitted by the bank, the original had been altered. The requesting third party had been changed but our signatures still appeared on the form.

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 2022-11-02
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is a complaint regarding a refund request I made to my loan servicer. 

My student loans were transferred from XXXX XXXX to NelNet Servicing on or around XX/XX/XXXX. I made XXXX payments to XXXX since XX/XX/XXXX, totaling {$6300.00}. I made XXXX payments to NelNet on XX/XX/XXXX and XX/XX/XXXX for {$290.00}. I have made a total of {$6900.00} in payments to my student loans during the Payment PAUSE. 

On XX/XX/XXXX, I emailed NelNet requesting a refund of all student loan payments I made during the payment PAUSE. I emailed them the following attached message, which clearly indicates the amount I am due, that I understand the implications of my request, and the request that these payments be refunded by check. They sent an acknowledgment email 23 days later on XX/XX/XXXX in response to my email request. I also called on XX/XX/XXXX, to make this request verbally ( see attached cell phone call history ). 

I received XXXX refund checks for {$290.00} each, dated XX/XX/XXXX. These are the amounts I paid directly to NelNet. I called NelNet On XX/XX/XXXX and inquired as to why I did not receive the {$6300.00} I had paid to XXXX. They insinuated that it would take months for my payment history from XXXX to come through, which is unacceptable. I asked if there was anything else I could provide, I was told no. 

I made my refund request 66 days ago. NelNet either is having problems getting my payment history from XXXX, or is not properly processing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a checking account at Wells Fargo and have specifically asked that I be 'Opted-Out ' for overdrafts on ATM and one time debit card transactions. 

On XX/XX/XXXX I withdrew {$40.00} from the Wells Fargo ATM. The ATM screen told me that I was trying to withdraw more than the balance in my account and I would be charged a {$35.00} fee. I accepted but did not expect the fee to be charged ( I thought this was a standard alert message ) since under Reg E the bank was not allowed to charged an overdraft fee for any ATM or one-time debit card transactions that were approved into overdraft. 

Thinking this was an error I did call Wells Fargo ( XXXX on Thursday, XX/XX/XXXX at XXXX ). who was very condescending and said that it was my problem since I had clicked to continue the withdrawal at the ATM. 

This seems unfair for the bank to say that I am opted-out ( under Reg E ) and then charge me a fee when I accept the withdrawal at the ATM. At that point they had me in an untenable position and took advantage so that they could get the fee income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-26
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Progressive Management Systems provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
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 federal credit 's bureau act, this creditor has violated my rights under XXXX5 USC section 602 states I have the rights to privacy. 15 USC 1681 section 604A section 2, it also states that consumer agency can not furnish my account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I was never late on this account. 

XXXX XXXX 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 2016-07-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/XXXX, I walked into XXXX XXXX XXXX and sit down in a sales office in hopes to opening an checking account. To my embarrassment I was denied opening an account due to the information provided by the XXXX XXXX XXXX. I was told that I had a charge off account from Wells Fargo on XXXX/XXXX/XXXX. To my knowledge I took care of this account by paying it off in XX/XX/XXXX. I immediately went to the Well Fargo Office and they after research they apologize and provided me with a letter stating that I did not owe and they have not reported anything negative to the XXXX. I sent a personal letter requesting to have this negative charge remove off my file and I also included the letter from Wells Fargo. 
To my disbelief I receive a letter from XXXX XXXX XXXX, stated that they did a research and that the negative item will remain on my file. When I contact XXXX I spoke with a lady that only provided her first name XXXX, she stated that a representative from Wells Fargo confirm the negative charge and there 's nothing I can do about it, I should just pay my bill. I ask what was the representative name from Wells Fargo because I have a letter from Wells Fargo. She told me that the negative charge will be on my account for 5 years and that I am getting close to the five years and hung the phone up in my face.

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 2017-02-06
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I agreed that Navient ( services XXXX student loans ) could go into my checking account for XXXX to pay on my student loan ( a combination of my loan and interest on my college student son interest of his student loan ). Navient went in my bank account and took XXXX leaving my account XXXX dollars over drawn. I incurred insufficient fund fees and was left with out money for travel to work and gas fees. My family depends on me since I am the sole provider in my household. I sent Navient faxes of my bank statement showing them the error and my bank states Navient, does this quite frequently to their customers XXXX I talked to Navient to in sure they had received my request to return the stolen money and they agreed to put the money back in my account in 2-3 weeks. this is the third week and still no returned money, no letter of apology. I know I owe them a debt but it is so dishonest to take money out of my account that they had no permission to take almost XXXX dollars. I was not in a delinquent status. Please help me retrieve what they have taken.

Company response to consumer: Closed with explanation