BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Theyve had claim number XXXX for months, at Bank of America, now they say they cant pay.

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following accounts on my TransUnion report have factual information that conflicts with XXXX and XXXX reports : XXXX XXXX XXXX Account XXXX XXXX : a ) TransUnion lists the account as 30 & 60 days late in XX/XX/XXXX & XX/XX/XXXX ; XXXX indicates XX/XX/XXXX & XX/XX/XXXX ; b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX XXXX c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Account type shows credit card, XXXX says line of credit. 

XXXX XXXX XXXX Account XXXX XXXX : a ) TransUnion lists the account as 30 days late in XX/XX/XXXX ; XXXX indicates 30 days late in XX/XX/XXXX. b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says XX/XX/XXXX. c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Date of last activity shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX says no date of last activity.

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 2023-01-20
Company: EQUIFAX, INC.
State: MA
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 list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX  Account number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet has improperly calculated my 5 years of continuous teaching multiple times as part of my XXXX Loan Forgiveness Application. I am using the XXXX  Loan Forgiveness Application downloaded from the Studentaid.gov Web site as the authoritative document for instructions and definitions in filling out the XXXX  Loan Forgiveness ( XXXX  ) application. This downloaded application has an expiration date of XX/XX/XXXX. 

The instructions on page 3 of the XXXX application in Section 7 state : If you need to list multiple XXXX or need more than one XXXX XXXX certification, the information required in Section 5 may be provided on a separate piece of paper and submitted with your completed form. 

Attached are the second page of my submitted application and an additional sheet which contains a completed XXXX XXXX XXXX Section only. To be clear my submission has always been three pages. Page 1 and page 2 are sections 1 thru section 5 of the XXXX application. Page 3 was a copy of page 2 with only section 5 completed. 

On page 4 of the XXXX application in Section 8 defines : An academic year is : Two complete and consecutive half years at different schools or for different XXXX  service agencies. 

The dates in the attached certifications are shown as follows : XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX, and the XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX. I am claiming the following continuous years of service : XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), and XX/XX/XXXX XX/XX/XXXX ( 4 years of XXXX XXXX XXXX XXXX  ). This service meets the requirements of 5 years of continuous service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Southwest Credit Systems, L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After attempt to validate debt, company responded poorly with all answers. XXXX previous complaints filed with CFPB about company. After complaint filed, previous collections debt on credit report removed and another debt placed for different amount and different account number, same " creditor '' named. Why is this occurring?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Glass Mountain Capital, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified by official mail addressed to me that I was to pay a debt not incurred by myself, but by result of someone acting as myself via using my personal identity in order to create a credit account with a consumer financial platform. I'm actively working with the appropriate agencies as I'm disputing the debt as a result identity theft, as I did not incur said debt that I was notified to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home on XX/XX/XXXX. The mortgage company, Mr. Cooper, provided inaccurate payoff information. The payoff was not provided to the legal team until the day of closing and they were unwilling to correct the problem with any urgency. The company and the website are not providing me with any information about whether they 're going to correct the error and have failed to do anything except make a note on my account that I 've complained. 

The escrow balance on my account on XX/XX/XXXX ( my latest mortgage loan statment ) was {$890.00}. The escrow quoted at the time of closing was {$670.00}. Both the XXXX and XXXX Mortgage Insurance Premiums were deducted from the escrow prior to closing, at a monthly rate of {$100.00} for a total ( difference ) of {$210.00}. The Mortgage Insurance Premium I was quoted on the XXXX payoff was {$210.00} instead of {$0.00}. 

I was also charged interest on the loan through the end of the month in which I closed. I closed on XX/XX/XXXX, which is when the payment is reflected on my account. The interest charged amounts to 23 days of interest on money I no longer owe. All FHA closings which occur after XX/XX/XXXX prohibit FHA lenders from collecting interest through the end of the month by classifying it as a pre-payment penalty. The total interest I was charged is {$950.00} for 61 days. I only actually owed 38 days of interest, or {$590.00}. 

Mr. Cooper overcharged me at closing ( full payment amount not available on their website, legal documents filed at closing are in my possession ) by a total of {$570.00}. I had to bring money to closing with absolutely no warning due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XXXX, XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-15
Company: GFS II, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Hello, My name is XXXX XXXX I recently realized that my work checks were being garnished by XXXX XXXX. I purchased a XXXX XXXX XXXX on XX/XX/XXXX through XXXX XXXX XXXX and unfortunately I had to voluntarily return the vehicle to XXXX XXXX due to numerous of issues the car was having that I was coming out of pocket paying for, before it had even hit a year I was replacing many major parts on the vehicle I eventually had to give it back because the gas line on the car was broken and I was told if I continued to drive it would eventually catch fire. I returned the vehicle and was told by XXXX if they sold the vehicle I would NOT be responsible for the remaining balance on the car and if it wasnt sold I would be. I was never ever informed on if the car was sold or not so I genuinely took the no call back as if they sold it and I owed nothing. Until I seen it on my Credit several years later but that it was closed and it had been Charged off as bad debt Profit and loss write-off with XXXX on XX/XX/XXXX. I received my work check on XXXX XXXX and noticed {$300.00} was garnished from my pay I was not informed by my job that I would be being garnished from anyone, I contacted my jobs HR representative and was showed a court document stating I was being sued for {$10000.00} by XXXX XXXX for this vehicle. I contacted the courts and was told that i was severed at an address that I DO NOT LIVE AT and that i could file a motion but would still be liable to pay for the vehicle. I am a single mother I do not just have {$10000.00} and absolutely can not afford to have my checks garnished and also I feel as if I shouldnt be held accountable for this vehicle it was my very first car and I feel as if I was totally ripped off the car didnt last me but for a few months i was paying out of pocket to repair the car just to keep it afloat. I was never given any documents about being sued nor made aware that XXXX XXXX was still seeking me to pay for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: RI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX You are direct violation of the Fair Credit Reporting ACT ( XXXX  Account number # XXXX ) has violated Several my right. 
15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : ; it also states that I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A check would take longer to clear when its a reaccuring deposit resulting in multiple overdraft fees per transaction not by date

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 did a FTC report in XX/XX/XXXX and spoke with XXXXXXXX XXXX XXXX because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my TRANSUNION, XXXX AND XXXX Credit reports. In XX/XX/XXXX TRANSUNION AND XXXX added A Fraudulent account with XXXX/ DEPT OF ED FOR THE AMOUNT OF {$71000.00} This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.

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 2023-06-13
Company: Valor Intelligent Processing, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Respect CFPB Official, I have attempted to resolve the outstanding phone bill issue will XXXX XXXX and their assigned debt collector, Valor Intelligent Processing VIP, but to no avail. Please allow me to elaborate as to why the debt being attributed to me is not valid : 1 ) I was hospitalized overseas following an accident which caused a XXXX XXXX XXXX and required a XXXX XXXX ( XX/XX/XXXX ) and 8 months of rehabilitation. I only recently returned to the United States on XX/XX/XXXX. My last contact was with XXXX was sometime around XX/XX/XXXX when I was in the XXXX  since I was informed by my Doctor that I was not allowed to travel and will require XXXX and a XXXX XXXX to recovery. The agent I had spoken to was a call center agent based out of the XXXX and I was assured of the following two things : a ) My Ex-partner, XXXX XXXX XXXX and owner of phone number XXXX will be removed from my account which initially had two phone numbers attributed to it, mine- XXXX and my Ex-partner XXXX XXXX XXXX XXXX ; b ) My account will be placed on medical suspension due to being hospitalized overseas. 

Assuming the above to be true, I focused on my recovery and was unaware that the XXXX had failed to follow through on the simple request to suspend the account and remove the additional user. To elaborate on this further, and if my memory serves me right, XXXX had actually reached out and confirmed that I agree to the removal of the second account before they put my account in suspension. This can further be confirmed by looking at the usage records after XX/XX/XXXX. In support of the above, I am attaching herein medical documentation to this e-mail ; 2 ) My XXXX, XXXX XXXX XXXX, is the owner of XXXX and the account to which an XXXX XXXX XXXX XXXX is XXXX to i.e. the device in question in this collections notice. We did share the XXXX account but the account was distinctively broken down for two lines, mine- XXXX and XXXX XXXX XXXX, as such, the phones attributed to each account are also distinctively noted on the account. I have had no contact with XXXX XXXX since XX/XX/XXXX and she should be contacted to receive payment on the device in question. 

Thank you. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Marlette Funding, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
cfpb case XXXX Best Egg has responded that it is filed with the wrong company. That is not true. Best Egg sold a fraudulent debt that they had no right to sell, so they are responsible for the harassment that the sale generated. They are aware of this because I spoke the the individual responsible after a previous cfbp complaint. He is acting in bad faith now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over the course of XXXX, I've had to speak with Wells Fargo representatives more than I would have liked to in regards to my information being used, multiple times I've had to pay overdraft fees for transactions I didn't approve or have knowledge of, money going missing out of my account ( {$400.00} being the most at XXXX time ) without an explanation, random service and maintenance fees that I never had in the XXXX going on XXXX  years with the bank... I've had XXXX debit cards replaced this year and haven't received a fraction of the money that was taken from me and IT IS STILL HAPPENING, just this morning ( XX/XX/XXXX ) I was charged {$100.00} for an XXXX membership that has my debit card attached along with my email but when trying to access the XXXX account a phone number that isnt associated with me or anyone in my household is the phone number for the account... I don't take my debit card out of the house unless I'm going to purposely use it as it is and nobody has had access to my debit card or account information not even my wife .... I have lost way to much money dealing with this bank this past year and it's rolling over into this year, it's unacceptable, unprofessional & straight up WRONG... I'm the soul provider for my family and it's hard as it is with the money I make, even harder when I have money missing, account issues, debit card issues every week and then can never get any answers as to why this is happening from the company... I need these issues resolved once and for all and I would like my money back.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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