BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Not only did this company not furnish any sort of debt validation after asking multiple times both directly to an agent over the phone and via email-which is how they told me to ask for the info, I ended up receiving the information directly from the party that I allegedly owed debt to, they have now been sent a packet of identity theft information and have not removed the false info 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 2017-03-06
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX ( Social Security Number ) Complaint Against Regions Bank I, XXXX open up an account with this bank on or about XX/XX/2017 and was promised a promotion of {$400.00} by bank rep XXXX and now the bank seems as if it does not want to give me the promotion I did everything the bank told me to do.

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 2016-01-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Credit reporting agency is reporting an account XXXX Mortgage. However, the creditor is unable to locate an account for me. Please see attached letter from XXXX Mortgage. There is also a collection account XXXX XXXX XXXX for the same exact account. XXXX accounts have a past due balance. Experian is reporting XXXX of these as XXXX separate debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
All XXXX credit agencies require I pay for credit report from them to get an id number so that I can dispute fraud address on my report. This report number will then enroll me automatically in their protection service plan. Victim of identity theft and credit card issued in my name.

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 2015-10-30
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX, XXXX, and XXXX, I disputed an account on my credit report through Experian. On XXXX and XXXX, I submitted escalations to Experian for the same account. Experian has not given any feedback on this account on any of the disputes or escalations. The amount is being reported to Experian from the original creditor and has not sent to a collection agency. The amount has an open account date of XX/XX/XXXX and a total past due of {$2700.00}. This account dispute should have been removed from my credit report in accordance with the Fair Credit Reporting Act. Knowing that there has been no response, the account should be removed from my credit report. The CFPB has my formal permission to access my credit reports for the sake of this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been employed with Dept of Treasury since XX/XX/XXXX. I have been on a repayment of my student loans since XXXX. Myfed says only 3 of my payments qualify for forgiveness even though they have all been made on time. Nobody can explain to me why

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX / XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: PA
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 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 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
Hi, I just wanted to follow up. It's been over a month since I requested you to look into the inaccuracies in my report but you have not replied. It was on XX/XX/2021 to be exact and I was told that I should get some kind of response from your organization but I haven't so I am wondering what's going on for I am sure that letter was received. PLease lem me know what's going on and if you haven't taken action please do now. thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Navinet to advised them they are incorrectly reporting I have had 2 missed payments. Student loans were on a pause by the Federal government under the Covid 19 relief for federal student loans and will continue through XX/XX/2022. Due to this federal law rights under the Fair Debt Collection Protection Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) has been violated under 15 U.S.C 1692e and if not corrected immediately, legal action will follow. Please expedite the request

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The address of my home is : XXXX XXXX XXXX XXXX, NY XXXX This is XXXX of the last letters we have sent to Wells Fargo. 

From XXXX XXXX through XXXX XXXX, we received XXXX short sale offers on our home, all to which were within 5 % of asking price yet they were all rejected by Wells Fargo. 
From XXXX XXXX, we received over a dozen calls from Wells Fargo asking us for the HUD statement. Each time we faxed it over and each time it continued to be lost. 
In XXXX, the home was broken into and all copper piping was stolen. Our insurance company sent Wells Fargo a check for over {$11000.00} which has subsequently been " lost ''. 
In XXXX, Wells Fargo advised us to record a " Deed in Lieu '' which was consequently rejected by WFHM. 
In XXXX, we were notified the home was going into Foreclosure despite all purchasers interest and effort on our part to sell it. 
Through XXXX to Present, we have received and continue to receive numerous notices from Wells Fargo " to save our home '' through mortgage modification. 
In XXXX, our neighbor notified us that there were squatters living in the home for over a year. We finally synced up wit XXXX XXXX in your XXXX XXXX Department who assured us that she would get the house secured and confirm with it when it was done. After several attempts at follow-up, XXXX has also failed to deliver. 
We secured an expert Real Estate agent to once again try and short sell the home. Within days she presented to Wells Fargo an all cash offer. After months of being passed around from person to person, numerous emails, correcting mistakes Wells Fargo was making, the short sale was denied on XXXX XXXX, XXXX by Wells Fargo. 

The following resolutions need to occur before XXXX XXXX, XXXX : We will receive confirmation on the security and condition of the home. 
The house will be removed from Foreclosure and back into Short Sale status. 
We will be assign a Personal Coordinator that will be our SOLE contact person for all other communications and activity going forward. 
WFHM will remove any and all negative reports on our credit Very Sincerely- XXXX and XXXX XXXX XXXX XXXX We tried short sale again this summer, again rejected by WF due to a " surplus of funds ''. That surplus this past summer was small. 
We just want resolution. We want our exemplary credit back. What we had before they systematically destroyed it. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father died on XX/XX/2018. When he died he had an IRA account with Bank of America with a value of about {$3800.00}. I am handling my father 's estate and the amount in the IRA is to be shared equally between my father 's XXXX children. 

I have contact Bank of America ( BOA ) to begin the process of providing the necessary documents to enable BOA to transfer the account 's value to the new owners. Each time I contact BOA I am told that someone will contact me in 24-48 hours but no one from BOA ever call me. 

I believe BOA is currently understaffed and unable to respond to their customers at this time. This has been confirmed by the numerous staff that I have spoken to at BOA, but unfortunately the people I speak to are only there to answer calls but not actually help customers. 

I believe this is a systemic problem at BOA and is worthy of being looked into by the CFPB. 

To provide some specifics and to give you a better idea of my problem here are some facts : 1. XX/XX/XXXX - mailed death certificates, small estate affidavit and letter to BOA XXXX XXXX in XXXX, Florida 2. XX/XX/XXXX - XXXX in XXXX AZ says no one had looked at the documents I sent in and call back in a few days. 
3. XX/XX/XXXX - XXXX was not available. XXXX took my name and number and said someone would call me back. 
4. XX/XX/XXXX - I call and reached XXXX. XXXX says a new Estate Unit will handle my case. 
5. XX/XX/XXXX - I called and reached XXXX who said I should call back on XX/XX/XXXX. 
6. XX/XX/XXXX - I call and reached XXXX who said a case manager would call me. 
7. XX/XX/XXXX - XXXX called me and said that a case manager should be assigned on XX/XX/XXXX. 
8. XX/XX/XXXX - I called and was told that XXXX XXXX was now my case manager and that she will call me. 
9. XX/XX/XXXX - I called XXXX 's extension but reached XXXX. XXXX said a manager would call me in 72 hours. 
10. XX/XX/XXXX - I called and reached XXXX XXXX who said that someone will call me 11. XX/XX/XXXX - I called and reached XXXX who would try to transfer me to a case manager. When he put me on hold I was disconnected. 
12. XX/XX/XXXX - Called back after XXXX disconnected me, was told to call during East Coast hours since that is where all the case managers are. 
13. Called at XXXX Pacific and reached XXXX who said she would leave a message for XXXX XXXX, XXXX 's manager to call me. 

As you can see, I've tried to resolve this many times without response from BOA. I should also note that my father had three other IRA accounts at the time of his death, one each at XXXX, XXXX, and XXXX. Since my father 's death I have been able to successfully close those accounts and get the funds to the appropriate individuals.

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 2017-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In  XXXX  of  2016  I opened a credit card wit h Capital One. I was con sistent in making all payments on time and always over what I owed. I approached a hardship, outside of my circumstances, and had a payment returned. Instead of being contacted,  Capital One close d not onl y one b ut both my accounts without notice. I have contacted them on several occasions making good faith attempts to pay this balance off. This credit card company does not care about ruining your livelihood and is solely focus on destroying what you are trying to build. Every time that I contact them, I get an agent who always offers me the chance to re-apply. I even re-applied and all they simply did was deny me. Capital  One  prey on individuals that are trying to meet their high standards but fall short due to life. I would like someone to look at this company with a fine tooth comb because us normal everyday citizens are being scammed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
This civil judgement was place on my credit report for {$3000.00} that does n't belongs to me. I have contacted Experian about this account letting the know that this account belongs to my ex- wife and that it is also paid in full. They say that they did an investigation and the result is that it belongs to me and not paid. I have contacted the courts and they say that the account is paid in full but Experian is still saying that this account is mine and its not paid. I try to dispute it again but they will not do another investigation. I need this account to be remove from my credit report because not only is it paid in full but its not mine.

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 2016-10-11
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
What. I bought a Ford focus thru santander in XXXX XX/XX/XXXXthru my car dealer. Then the car was in accident XXXX XX/XX/XXXX and was totalled. The insurance PAID the car off in full. The car dealer returned my service contract money to them also. So they received over XXXX. They accepted the payoff. I have all copies of the insurance paperwork. Well now santander had turned it over to not XXXX but XXXX collection agencies. Nib management. And also Denville management. Ncb management is saying XXXX is owe and deville management says XXXX. That 's crazy it was paid off XXXX XXXX. Every thing is paid off but yet these companies. Santander and there XXXX collections agencies are down ng illegal practices. Please remove for all XXXX credit bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit freezes and thawing should be free. The entire SSN system is outdated and vulnerable. In light of recent events ( Equifax breach ) the only way I can protect myself is by freezing my credit. Naturally I can not keep it this way forever and will need to unfreeze for certain purposes, at which I will be charged for the thaw. I should not be paying to protect myself because of the mistake of a large corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX / XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are  XXXX  different cases that I am reporting on but involving the same company. The first case is regarding a charge that I received from  XXXX  stating that they did not feel as though a  XXXX    XXXX   was necessary so they would not cover the expense. The test was required by my doctor so I filed an appeal for  2 di fferent bills that they ended up sending me to the collection agency for. I told the collection agency that I had filed an appeal but I still received the notice that you will find attached.       The second case is regarding my medical coverage from my previous employer. I was wrongfully terminated on   XX/XX/XXXX   which was when my medical coverage also ended. I had gone to  XXXX  to get my prescription thinking that I was covered until   XXXX   which is what is noted on both termination documents attached. I had called  XXXX  who confirmed that it ended on   XX/XX/XXXX   and there was nothing that they could do so I had to pay out of pocket and was also charged for a visit that occurred within that timeframe. I was also sent to collection services because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: LDF Holdings, LLC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I ran into problems paying them back and worked out an installment agreement. I requested ( XXXX ) times verbally for them to cease and desist from all attempts to call me because they kept calling me at work. I asked them to stop calling me at work but they continued to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
why do they no report paid on time but if you mi ss one they  report quickly?

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 2016-08-18
Company: Comerica
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
us direct express allowed a international hacker to take {$100.00} of my debt card for a fake computer virus protection that I did not approve to take off my debt card I had them investigate they said they would n't give my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: Rent Recovery Solutions
State: NC
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:
Rent recovery solutions company, continues to maliciously, inaccurately, and illegally report this bogus collection to XXXX. See attachment. 

The initial delinquent date is suppose to be XX/XX/2014 and they continue to report it a year later beyond the accurate date!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NC
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:
Please see the attached document. This is is not a duplicate. I have several disputes that point to XXXX XXXX XXXX. Please see attached document for several disputes included in one report as attached where the company XXXX XXXX XXXX has reported inaccurate data, or missing data, and malicious data. The complete complaint is in the attached document. XXXX XXXX XXXX is also reporting this collection as a regular tradeline account and they have failed to report this collection as a medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Experian Information Solutions Inc.
State: DE
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:
my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the others names and address that appear on my credit report is not correct.

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