BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I incurred XXXX overdraft charges on my checking account on XXXX/XXXX/15 of {$35.00} each, for a total of {$100.00}. My account was overdrafted by & lt ; {$500.00} on XXXX/XXXX/15. 
I have several account notifications set up through BofA.com to inform me if my account balance drops below {$500.00}, my account overdraws, etc. When I received an email on ( XXXX/XXXX/15 ), I immediately transferred {$1500.00} from my Bofa Savings to BofA Checking ( XXXX linked accounts ). This was more than the overdrafted amount. I still incurred XXXX fees of {$35.00}. 
I called to have these fees removed. The initial customer service rep ( XXXX ) was very pleasant but her manager ( XXXX ) was incredibly rude and condescending. I kindly requested for the overdraft fees to be removed as I had not received any notifications until it was too late. The purpose of setting up the email notifications is to inform me BEFORE fees are incurred, not after. She said that is not their responsibility and told me I needed to have made a cash deposit before XXXX on XXXX/XXXX/15. She did not answer my further questions and hung up on me before our conversation was over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX I was notified by my credit monitoring service that XXXX XXXX listed my mortage account as derogatory chapter XXXX bankruptcy. I did not file bankruptcy as I am unable to because I filed in Massachusetts on XX/XX/XXXX. My wife who is NOT on the loan and is not a co borrower file in XX/XX/XXXX. XXXX was listed in her debtors page in guidance from her attorney.

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 2021-04-19
Company: EQUIFAX, INC.
State: LA
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:
Ive sent disputes last XXXX regarding those unknown and inaccurate accounts Ive found on my credit report. It's almost 30 days now but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: AmeriCollect
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX, which went bankrupt a different company reporting I now owe them, closed accounts from more then 10 years old, paid  accounts still showing as open on my credit report, 3 auto loans that were either closed or paid of by insurance companies still showing up as delinquent or open on 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 2020-01-11
Company: Optio Solutions, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I received an unsolicited, pre-formatted application for student loan forgiveness ( based on XXXX ), from my student loans third party servicer. The form requested that I affix my signature to it if I wanted to have my student loan forgiven. The pre-printed statement on the application stated that : they had received information from the Social Security Administration indicating that I was XXXX. The letter stated that I DID NOT NEED a doctors verification of my condition because my condition had already been verified. I signed the letter but, clearly, informed the loan servicer that I still had two more semesters to complete before I had no further need for requesting additional loan funds. After a week, I received an email stating that my application for student loan forgiveness had been denied because I had taken out additional student loans in violation of some undisclosed rule which was based on some undisclosed end-date after which XXXX applicants were not allowed to apply for any more student loans. On a follow-up inquiry, I found that the loan servicers had, somehow, obtained an outdated address and financial information on me ( over 25 years old ) even though the address on my actual student loan documentation is current. This makes me believe that the third-party servicers are data-mining XXXX student profiles to bait and then disqualify loan forgiveness applicants so that the servicer can then charge the Department of Education additional fees for servicing a second-tier application process for loan forgiveness based on XXXX. When I contacted the loan servicer, on 3 subsequent phone calls, the customer contact representatives could not provide an appeal form on the original application and did not understand the significance of an application date as being the true end date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is in regard to the most recent complaint with the requested fair resolution updated The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

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 2015-03-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had an account with fifth third bank that I had not used in over a year. There was a single deduction still being made from the account that I was unaware of. I was notified by an automated phone call that there was a problem with my account which prompted me to call the bank. Upon making this call I learned that there was an over draft ; informing me that the account -- that I thought was inactive -- was actually still being debited. I asked the individual how I could bring the account current ; the option of just paying the debt via a credit card ( which I later found out would have been an option ) was not offered. He offered no solution other than for the company to whom the payment was made to refund the money to the bank. I have never received any mailings regarding the account being delinquent or overdrawn from XXXX bank. I did, however, receive a mailing from XXXX XXXX collections agency to my correct and current address which they stated was obtained from fifth third bank. I am curious as to why the bank did not send me any notification of the accounts status or its pending transfer to a collections agency. I have subsequently paid off this debt in full to the collections agency but am unhappy that a customer of any bank could be sent to collections without proper notification ; particularly after I had reached out to them to correct the problem. It is also interesting that the collections agency actually obtained my address from XXXX bank per their employee ( name and employee number in my possession ). And, to boot, the account could have simply been brought current and closed over the phone avoiding all of the hassles and headaches thus far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid off a loan and the lender Freedom Mortgage has sent me all the paperwork indicating the loan is paid and closed. However they keep reporting to XXXX there is a balance owed and when I contact XXXX XXXX of Freedom mortgage she refuses to return my calls or make the corrections. The company has made the corrections to XXXX when pressed however they have corrected XXXX then reported balance due again.

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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 contact Transunion in XXXX and XXXX in regards to 3 fraudulent account that didnt belong to me that were due to identity theft ( XXXX XXXX, XXXX  XXXX  and XXXX  ) these account were open in my name without my authorization. I talk to representative in the beginning of XXXX to advised them of the issue and he asked for my police report number, and a statement, in which I did. Once the dispute was done they denied my request. I called and spoke with a rep who advised me that they needed a copy of my police report. I sent my police report and dispute letter on XX/XX/XXXX certified mail and I showed it was received XX/XX/XXXX ( tracking number XXXX. I called Transunion in XX/XX/XXXX to see if they started progressing my dispute, they told me they having got it yet and it takes 5 days for the dispute to get into the system. So I waited until today XX/XX/XXXX to call to see if they received. The first rep I spoke lie to me and told me they havent received it and started to mention my old old disputes. Then he placed me on hold for 20 minutes then stated that they received my request on XX/XX/XXXX and that they closed out my request today XX/XX/XXXX and they my dispute was denied again. So i called them again and requested to speak with a supervisor, once the supervisor got on the phone, I advised of the last representative that I spoke with him, and I asked her to look over my disputes. She looked over my disputes and she told me that they didnt received my letter for XX/XX/XXXX and she then progressed to open a new dispute ... I dont know whats going on with Transunion but they are violating a lot of the fcra rules and regulations and they arent protecting victims of identity theft. The fact that arent taking this issues or trying to help me with this issue is disgusting. I feel like they are trying this like a game. This is my life and my credit. I worked hard to keep get my credit good. The fact that they arent doing their job is just disturbing. I will be also contacting the ceo XXXX XXXX to review all those calls and to see how his employee treats their customers and how they dont follow the fcra follows

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 2015-07-27
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am continuously being hounded, because of a debt that I 've proven to be brought on by identity theft, and therefore invalid. This time, a different collection agency is looking to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America has been holding my mortgage payments until they can incur late fees. I filed a complaint with you last month. This month I received a letter from Bank of America saying I was late 33 days. Bank of America received my XXXX mortgage on XXXX XXXX I mailed the payment certified as I always do. The certified number is # XXXX. The Bank cleared my check on XXXX XXXX. 
Bank of America has not applied my XXXX Mortgage Payment to my Mortgage instead they sent me a " foreclosure letter ''.

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 2020-01-11
Company: IQOR US INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is trying to collect the debt and the debt is also being reported as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

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 2017-07-21
Company: Walwick, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants credit association continues to report a collection account that is not complaint with the CRA reporting requirements XXXX XXXX 2017.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-24
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Submitted a short sale package to Loan Care via Fax XXXX & email at XXXX on 3 occasion since XX/XX/2016 with confirmation transmittal received. I have follow up on several occasions only to be told that they did not received it and asked that I send again. When I call to follow up and I give the confirmation number, they hung up and not the system. Its been over a month trying to get the right caring person on the phone. Final after an hour of hang ups, I was able to reach XXXX, Agent ID XXXX, and he was able to verify that I had called and also requested an expedite on this HAFA short sale, and that XXXX did received my " FULL '' short sale package and he was not sure why no one entered it into the system to be assigned. XXXX not a good company and should not be servicing loans ... and they needs to be accountable just as the likes of XXXX, XXXX and others. I need you help in getting the lender to do its job and would like them to expedite this short sale since they dropped the ball. Customer Service in Loss Mitigation is no-existent. Please help ...

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 2017-07-19
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a home in XXXX of XXXX. Because my bonus was paid a week after the closing date, I had to get PMI as I did not put down 20 %. Almost immediately, I requested from the mortgage originator the figure to pay the mortgage to the 80/20 split and have the PMI removed. After one month, my mortgage was sold to XXXX XXXX XXXX. I tried writing to them twice to the PMI removed. Nothing. I wrote a complaint to CFPB and they immediately sold the mortgage loan so as not to have to deal with CFPB. The mortgage was sold for the third time in XXXX of XXXX to SLS ( Specialized Loan Servicing ).  Beginning in XXXX of XXXX and through the present, I have written three letters requesting that PMI be removed, agreeing to pay the balance to bring the LTV to 80/20 and providing comps from a realtor providing updated values for my home. The value of the home has increased at least {$30000.00} due to a variety of factors. What have i received from SLS? The same form letter over and over again stating that I needed an appraisal that would cost between $ XXXX and refusing to answer how they calculate the value of my home or LTV. I have also called and received the same response. At this time, I am seeking the following : 1. ) removal of PMI immediately 2. ) reimbursement of the last six months of PMI while I was jerked around by SLS. 3. ) any fines or penalties applicable to the conduct of SLS such as Unfair Trade Practices or Consumer Fraud. I would also be happy to join in a class action or serve as a witness in a state or Federal inquiry/investigation of this Company

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