BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
-Monday XXXX XXXX - Pre-printed sheet of paper was taped to my door ; no name no signature, printed text said to " contact your mortgage servicer '' and a hand written toll free number. 
Spoke to Bayview, to asset manager XXXX XXXX. 
XXXX XXXX explained that after the one year of the forbearance term, the mortgage was behind {$11000.00} and that it had to be modified. 
XXXX XXXX explained that in a few days I would receive a packet of forms from XXXX, to contact them when I got these forms. 
-Tuesday XXXX XXXX - ( No forms have arrived yet ) Found a blank envelope taped to my door, inside found a pre-printed note saying " contact your mortgage servicer '' with a handwritten toll free number. 
-Wednesday XXXX XXXX - On XXXX XXXX, XXXX I received a letter from Bayview informing me my mortgage had been sold. According to the latest MERS record I received from Bayview in XXXX, the mortgage owner was XXXX Bank ; the new owner is " Mortgage Fund XXXX XXXX XXXX '' address is XXXX XXXX XXXX XXXX XXXX, MN XXXX, phone listed as XXXX. 
This address and phone number belong to XXXX Bank. 
I searched the web for " Mortgage XXXX XXXX XXXX XXXX '' and its variations : no results. 
Spoke to the XXXX State : no records Spoke to the XXXX : no records for " Mortgage Fund XXXX XXXX XXXX '' -Thursday XXXX XXXX - Visited the above address to find a corporate office building belonging to XXXX Bank XXXX Inside spoke to an information representative who searched their database using my driver 's license ; the representative ( XXXX ) found no records with my name. 
-Friday, XXXX XXXX, XXXX - Called the Foreclosure Dept. at XXXX ; this number was given to me by XXXX at the information desk in the hopes they might have more info. 
Spoke to XXXX who transferred me to " XXXX XXXX ''. XXXX explained they have no access to mortgage records of mortgages sold to other creditors, she suggested I talk to The Consumer Protection Bureau at XXXX. 
Spoke to XXXX at Consumer Financial Protection to whom I relayed my situation ; XXXX explained the complaint submission process and how long it would take. 
I have not attempted to contact Bayview Loan Servicing regarding this issue of creditor transfer because they will ONLY respond to a lawyer and I have already incurred {$2300.00} in legal fees trying to get information from Bayview in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I agreed to co-sign a {$7000.00} student loan dated XXXX. Two loans dating XXXX ( {$15000.00} ) and XXXX XXXX {$11000.00} ) have since been added to the same account without my knowledge, permission or consent/signature. The two additional loans were not disclosed to me and I only found out when I went to refinance my home that they were in existence. Upon discovering the additional loans I contacted Sallie Mae and reported the loans as fraud filling out a police report in the process. Sallie Mae refused to remove me from the two additional loans stating that as I had signed for the first loan I was then committed as a co-signer to all future loans. This is deeply concerning as based on Sallie Maes logic they would hold me responsible for any future loans as well without disclosure or consent to the amount co-signed. As it does not have my signature I clearly did not approve these loans and therefore should not be held responsible as a co-signer for the additional {$15000.00} and {$11000.00} loans. Please see the contract attached.

In addition Sallie Mae has made no effort to work with the primary loan holder to refinance these loans. The primary has made several attempts to remove me as co-signer once I filled the fraud report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ARS Account Resolution FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX {$53.00} - XX/XX/2018 The debt has been paid twice! One credit bureau removed the debt ; however, the other hasn't! I have placed several calls, sent certified letter and my attempts has been unsuccessful! Yes the amount is {$53.00} but this debt is showing as derogatory credit and I would like it removed because it was paid in full! The company cashed the money order ; however, never removed the debt! I am asking for your assistance to have the company remove the balance immediately! I can provide a copy of the certified document and my request to XXXX  balance! Thanks in advance! All your assistance is greatly appreciated!

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
15 U.S.C 1681 section 602 A - right to privacy 15 U.S.C 1681 Section 604 A - States a consumer reporting agency can not furnish an account without my written Instructions! 

Ive also sent a letter which will be attached! The letter was sent in XX/XX/XXXX and I have not heard anything back! Its been past 30 days

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 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There were inquires that were removed on my credit report and were re added without written notification frca section XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have an account on my Equifax credit report Names XXXX XXXX XXXX and XXXX XXXXXXXX. They have the same NUMBER, they were opened on the same DATE ( XX/XX/2012 ), with the same DATE OF LAST ACTIVITY and THE DATE OF LAST PAYMENT. These duplicate accounts were not removed by Equifax after their investigation that I've requested. According to FDCPA and FCRA account must only appear once on credit report. 
I have more issues with Equifax investigation and by my legal right I will submit each of them until my credit report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with Regions bank. I overdrew my account by {$26.00} purposely to get gas to go to work until payday on XXXX. XXXX. I expected this. On XXXX XXXX I checked my account on the regions bank mobile app it was negative {$210.00}. I was enraged. I immediately called the bank. The CSRs brushed the situation off saying there was nothing they could do. I had to get out of my character just to talk to a manager. He was also rude accused me of lying and opting in to overdraft coverage to take money when I did n't have it. I exploded, I was insulted I have been with this bank for at least XXXX years and never felt so disrespected. He finally agreed to refund {$100.00} of the fees and said he would notate the account so they would not credit the rest of my fees. I told him I would be in contact with my lawyer and hung up the phone. They rearrange transactions to take money from their customers. All of the dates on my transactions changed to reflect negatively and overdraft my account. This is flat out robbery!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
EOS CCA has called my work extension roughly XXXX starting at XXXX and typically again at XXXX via robocall. When I called back they would not disclose type of debt or whose debt, simply stated that I owed a debt based on the phone number ... .I have asked them to remove this number from their autocall as it is a new work extension but I continue to receive robocalls. EOS CCA 's number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: SLM CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Addresses and phone numbers I've never had. Same information keeps coming back. My social security has been used for bills I've never got. I have fraud on my social security. Fraud on my workforce commissions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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:
I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PREOTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PREOTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM FROM MY CREDIT REPORT.

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 2015-06-24
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Keep having wells Fargo interfere with my account access unprofessional customer service and balancing matching. When question seems I am a focus of customer subject. As a trustee there is no considered thought of amount but change on as a customer perspective is at a different angle there money is there's. Without approval stop credit availability for over or no fund .. receive regular checks deposit of years also balance is question when question bad customer service in involvement of my skills as a administration background should be ignorant and in school the higher there voice with assistant to upper management and involvement to be informant. I have been a XXXX  customer of years with excellent customer service XXXX  instructions to have XXXX  account since then such bad experience.stop password access and not receive interested on high fund account nor available product for interested to not have attire account spend need balY activity checked and investigation if representatives and service start S a customer also had stock in past with no interest adding for years is this a personal problem pursue I as a XXXX American worker with XXXX XXXX  account interest

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Bursey & Associates, P.C.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They started garnishing my wages in the middle of 2020 without ever serving me or notifying me of any court dates or about anything that was going on. I called Bursey & Associates today and asked for the balance, my credit report says I owe about XXXX and they said I owe about XXXX. Total different amounts. They claimed that someone else received the paperwork they sent me and lied about me be living there and being there at the time. I have proof that I did not live there where they sent paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESE COMPANIES.

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 2016-12-28
Company: Empowerment Ventures, LLC
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my account with Rushcard over 90 days ago with an outstanding balance of a little over {$60.00}. I was told that I would be issued a check for the remaining funds within 7-10 days. I waited 30 days and contacted them again, and was told the same thing. I never received my funds. I called after 30 days again and was told once again they would mail me a check or send me an activated card in 7-10 days. I requested that they overnight a check, because I do not want another card in which I will have to pay fees to use. I was told they can not overnight anything and I would have to wait another 7-10 days. This is unacceptable. They have already withheld my funds from me for too long and do n't provide answers or solutions when contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: JFQ Lending, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called them 3 other times informed them do not call me or my partner proved names and address and advise do not send any of us any letting about requesting available funds from JFQ lending it's harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX, XXXX ; BY ITS SERVINGS AGENT ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX, ANDXXXX XXXX XXXX KOHN LAW FIRM ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXXthese creditors are trying to collect a third party debt from me after I informed them that I do not pay third party debt collectors or their attorneys. I do n't know what the original debt was for or from, nor do I care.. Do not contact me, or any third parties regarding this or any other unsecured debt. 

Furthermore, I formally dispute the validity of this debt, due to the fact that several unsecured debts credit card, medical debts, and student loan debts, personal loans, cell phone bills, utility bills, bank overdraft charges, unsecured auto loans, payday loans and/or the like have engaged in the practice of selling and reselling the original debt for collection by agencies and law firms such as yours. This has the result of turning an single debt into multiple debts from various collection agencies all for the same debt plus costs, handling charges and/or the like assorted fees. 

I have informed them of this 2 times already. Now they want me to meet them in a Court commissioner office on XXXX XXXX, 2015. The attorney says that I am in contempt of court for not contacting her. I do not believe that America has a debtor prison or debtor prison collection system. Please have them leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I recent asked for forgivnes on the following Issue. I made 4 late payments based off of financial hardships, banking errors and medical problems. I have good utilization on the card and pay amounts in full. I have been a good customer, I have two cards and recently opened up a checking account under your provider. I am asking for forgiveness on these late payments as I am trying to repair my credit and provide a better future for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax still continues to have the XXXX XXXX XXXX on my credit report. I have advised them that this is the same debt and loan that XXXX XXXX XXXX XXXX sells and resells over and over to create a negative report even when the original loan was back in XX/XX/XXXX -XX/XX/XXXX.This is against the law. 
Numerous complaints have been filed with CFPB : XX/XX/XXXX- XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX Equifax still has not removed XXXX XXXX XXXX from my credit report. This negative report continues to ruin my chances to refinance my home.

Company response to consumer: Closed with explanation