BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On or around   XXXX   XXXX   on Friday the  XXXX  of  XXXX , I called  TD bank a nd I was assisted by a lady name  XXXX   XXXX  which claim herself to be  one  of the branch managers at the location at  XXXX   XXXX  in  XXXX  Ma. I spoke with this lady for abou t 20 minutes tryi ng to resolve an issue I had with my account. In our conversation we had, I explained to her that the  two over d raft fees assessed to my account were a fraud because I had enough money to cover those expenses . First, she lied to me stating that were no fees assessed to my account and when I confronted her three times that the fees were cleared there, she put me on hold for about 5 minutes because she need it to jump into a different computer she said '' after being on hold for about 5 minutes, she came back on the phone and she said that she was able to see the fees I was talking abo ut, but those fees were accurate according to her judgement. I insisted that my account was positive and when those charges coming, I had enough money to cover them. After that, she went on to say that that was the way the bank makes money from customer by tackle them over draft and return checks fees. I continue arguing with miss  XXXX  and told her that what they were doing was a fraud by stealing money from customers. she went on to say that she needed to call her regional managers and she will call me back with an answer. I waited a week for her response, but she never did. It is clear to me that it comes to customer 's satisfaction, she has the minimum experienced to take care customers. I also explained to her that when I opened my account, I signed in to be opt - in meaning they can pay an item even if I do n't have enough fund to cover and I will be assessed {$35.00} dollars over draft fees which I complied with that. But the reality was different with TD bank. Despite the fact, I signed in to be opt-in, they refuse to pay or they chose what to pay just to make money from the customers. For example : I programed a payment and there were not enough funds to cover, they paid it, and then, they pull the money back again so they can have charged me a return check fee over and over again cause the merchant summited the payment 3 times and the 3 times was rejected so they can charge me 3 times return check fees. But also, the merchant charge  me 3 return checks fees because of TD bank actions by not allowing to pay the item. If they would have to pay the item in  the first try, there would have not been so many returns checks fees assessed from both parties. So far, there has been at least  XXXX   XXXX  dollars return checks fees assessed from TD bank fraudulent. I am demanding td bank to return me all the return checks fees that were assessed to my account and to comply with what I singed in to opt -in and they refused to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted a dispute in reference to Claim number #  XXXX , which is a tax lien from  XXXX   XXXX   XXXX   XXXX , in  XXXX    XXXX   with TransUnion  credit agency.  In  XXXX  of   XXXX   they completed there investigation and now they are showing that the lien has been paid ; however, they are claiming that the lien is still being reported by  XXXX   XXXX   XXXX   XXXX . I received a letter from the Georgia Departm ent of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency.   I have requested of Transunion to Please validate this information with  XXXX   XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.

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 2019-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/2018 a collect was open by a company called Porfolio Recovery Assoiciates gor the amount of {$410.00} that was fraudently opened in my name. I have disputed thus account with the credit bureaus and directly with the company numerous time and the account has not been deleted yet. This account is fraud and should not be on my credit file. This collection is hindering me from buying my 1st house which is a big deal to me and my family. I would like this account deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to SLS  ( Specialize Loan Services ) in  Colorado, from  XXXX   XXXX . Since then there have been nothing but PROBLEMS! First, the claim my home was in BANKRUPTCY and I need to reaffirm the loan ... 100 % FALSE! Second, they claim I have a 40 year mortga ge, FALSE! I have  a 30 year fix that expires in  XXXX  ... third, I can not make payment online like I have for the past 15 years ...  .they ma ke me use  XXXX   XXXX  and my payment is not credited to my account for 15 days AFTER I MAKE THE PAYMENT!!!!! fourth, every month, there is some sort of online computer problem and I cant long on to my account ... .and I spend DAYS trying to get a hold of someone in customer service!!!!!!!!!!! I keep getting the RUNAROUND and NOTHING HAS been resolved!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2017-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank  of America ( BoA ) purchased my mortgage seven years a go and has paid my home owners insurance from escrow every year until   XXXX   when they failed to make the payment. The insurance lapsed for non payment. BoA did NOT notify us of this. We had a pipe break after the lapse and when we contacted the insurance company they informed me policy had lapsed for non payment by BoA. I contacted BoA and they acknowledged receiving the declaration from insurance company but could not explain why they did not pay. BoA began changing their story but continued to provide no solution. BoA promises return calls but never has called me. They have done nothing to help with the damage. I call, they tell me to try and get my insurance company to pay. I have wet, sagging drywall, wet carpet and mold that is increasing every day. No response from BoA. This is a crime. Negligence in servicing my loan. Inhumane treatment.

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 2017-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have an evict ion from   XXXX   that is coming up on my record and it is preventing me from renting an apartment. This eviction was ordered by a judge to be dismissed and sealed from my record in    XXXX   XXXX   XXXX   . Its still coming up on my record and it is preventing me from renting. I am currently   XXXX   with my   XXXX   kids because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a HUD reverse mortgage. 
I have a negative balance of {$4900.00} to which I am paying {$89.00} per month. I am current in my payments. 
I had a fire to my home. The insurance has paid {$200000.00} which was submitted to Wells Fargo in XXXX. Wells Fargo is holding {$190000.00} and has released {$10000.00} on the condition that they will not release any further funds until the home is 50 % repaired. It is impossible for me to repair {$100000.00} worth of damage with {$10000.00}. Wells Fargo is stating this is HUD 's policy. Therefore I am unable to repair my home and Wells Fargo has not provided any solution while holding {$190000.00}. I have complied with every request from Wells Fargo and was advised that they were releasing {$49000.00}. It has been almost 4 months and I still can not begin repairs to my home because Wells Fargo is holding the funds.

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 2017-04-17
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Cavalry Portfolio is incorrectly reporting a balance on my credit report in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing. Bankruptcy law requires all collection activity to cease, however, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. 
Further, Cavalry is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX. XXXX. XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is a complaint against Credit Acceptance Corp. This complaint will outline several federal violations made by the financial institution. 
1 ) violation 15usc6802 ( b ) of the FCRA : A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.

2 ) Violation of The Gramm-Leach-Bliley Act 3 ) Violation 15usc6802 ( b ) ( 1 ) of FCRA : A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

4 ) Violation 15usc6802 of the FCRA : Obligations with respect to disclosures of personal information. A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title

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 2022-04-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an inquiry on my consumer report that should not be there " XXXX XXXX '', it has been on my consumer report for about a month now.

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 2017-04-14
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been trying to understand the terms of my student loans from graduate school. The loan originated with XXXX. It was purchased by another bank, then XXXX XXXX and now Navient. When I looked at my account, the interest rate remains the same but now the end date is XX/XX/2032. I attempted to call the XXXX XXXX XXXX and before that this morning I called Navient directly. For both calls I was unable to reach a manager and was informed the agent is offshore in the XXXX. No one can tell me the details of my service loan and it has been purchased many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX XXXX GURSTEL LAW FIRM P.C. Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g. 

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX 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 2022-04-30
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday, XX/XX/2022, I filed a fraudulent and unauthorized dispute with XXXX XXXX XXXX, and was told I would receive the provisional credit within 10 days! The bank failed to do so and compiled false evidence in the dispute process. Branch manager XXXX XXXX Stated and I quote " he pretended to buy a phone from the merchant and found evidence that there is an agreement about the payment was supposed to be split between 36 months a bank officer went outside of his duties and the dispute department went outside there duties and compiled illegal evidence against the consumer! Broke Regulation E and has not put any funds in the account! 
I sent the document for the dispute the banks position was I was already made whole!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: COOLEY ENTERPRISES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is reporting the wrong information on the credit reports they have wrong information on XXXX and right information on XXXX XXXX I had an agreement with them to not be held responsible or liable for this car and no money owed and its reporting I owe money. it should be 0 money owed and not called a repo.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Financial data systems L. The account was opened on XX/XX/2015. I had a procedure to remove my first XXXX  at XXXX XXXX XXXX XXXX XXXX. After they removed the XXXX they apologized and said they did not have any other devices in stock and that it would take at least another month to get more in stock. They said that would mean they would need to reopen a healer wound. The doctor did not recommend this and referred me to what they called a sister clinic. I asked the receptionist if this procedure would be covered 100 % by my insurance ( as it has in the past ) and the receptionist reassured me it would. I went straight to the sister clinic and had the XXXX XXXX by a med student. This med student XXXX the device improperly, which would cause me to XXXX XXXX XXXX to have the device removed three years later when the device was somehow undetectable. Then I receive calls from a credit collection agency saying that I never paid my hospital bill. I called XXXX XXXX XXXX XXXX XXXX and the sister clinic ( which was actually new XXXX XXXX  medical centers ) to try to figure out how I could possibly have a bill. They stated over and over that my insurance didnt cover the procedure. I called my insurance who stated procedure should had been covered. I called the collection agency and relayed this information and to no avail they claim that I still owe them money for this procedure.

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 2020-07-24
Company: EQUIFAX, INC.
State: FL
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:
went to XXXX XXXX of XXXX on XX/XX/2019. I attempted to purchase a car, and was approved for an auto loan. I decided not to move forward with the purchase and went to another auto maker dealership to purchase a new vehicle. 5 days after, on Friday XX/XX/2019 at around XXXX XXXX, I started receiving credit inquiries alert from different credit monitoring services. I found out that an auto loan application was submitted under my name by XXXX XXXX XXXX  XXXX. I contacted the dealership over the phone right away and did not receive an explanation. I drove over to the dealership that same night and was told that my name was " crossed with another customer '' who had my same last name ( XXXX XXXX ) as a letter that I requested from the dealership the day of the incident explains. About a week after, I started to receive auto loan application denial letters, and found out that my name was not really crossed with another client, I was actually added as a co-applicant with that same person that has my same last name. Two weeks after not receiving any updates from XXXX XXXX XXXX XXXX, I decided to contact XXXX XXXX XXXX headquarters, owners of the dealership, and they were able to have XXXX XXXX XXXX, General Manager of XXXX XXXX XXXX XXXX, to contact me. He advise me to file a dispute with the credit bureaus as that was the quickest way to have the inquiries removed. On XX/XX/XXXX, my attorney XXXX XXXX XXXX, XXXX ; sent a letter to XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX in charge the day of the incident ), the letter requested the issue to be resolved within a timely manner. As of today, I have not been able to get the unauthorized credit inquiries deleted from my credit report, and was told by all three credit bureaus ( Equifax/XXXX/XXXX ) that they were valid, an that XXXX XXXX is who can have them removed. On XX/XX/XXXX, I met with the Finance Manager, Mr. XXXX, he was aware of the situation and was surprised that it was not taken care of. He personally offered to take care of the situation and was going to keep me informed. I have emailed Mr XXXX 3 times after I spoke with him and he hasnt responded or the problem been fixed. Help please!!! No entity seems to br able to assist me with this matter and set some type of example to companies like XXXX XXXX when they make unacceptable mistakes like adding someone without authorization into a loan application! Help me please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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:
I have not supplied proof the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.

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