BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have learned that Faye Servicing is the new loan Servicer.. Initially, XXXX XXXX owned the note, then XXXX, then XXXX   XXXX.XXXX  XXXX. I also learned a new group, XXXX XXXX, purchased the loan. Faye Servicing had been sending time sensitive and financially sensitive mortgage related documents to the main building address of where my I live, and not to my personal residence. This means that the property manager or someone else has been receiving very sensitive financial information regarding my loan. This action was intentional. 
In XX/XX/2018, I sent a Validation of Debt request to Fay Servicing.  I including my mailing address, which the previous note holder, XXXX XXXX, used and is in public record. I also included my condo unit number.physical address in my Validation of Debt request. 
On XXXX  XXXX, I received a written response from Faye Servicing which was dated XX/XX/2018. Faye 's response refers to my physical address as the main building address ( there are approximately 250 units in the building ). The " Prior Servicer Account History '' which Faye sent me only includes the XXXX XXXX payment history that is illegible and impossible to authenticate. The font is exceedingly tiny, and I can only identify the " XXXX XXXX '' emblem '' on the paper. Fay Servicing failed to provide the payment history for the years when XXXX XXXX and XXXX owned the note. They failed to remove negative amortization debt that has been added to the loan balance, or address other charges and fees that have been assigned to this loan balance. 

In summary, Fay Servicing has denied my request for a validation of debt and supporting documentation. They sent me a one page letter, which reads in part, " Please be advised that Fay will not provide any information or documentation considered confidential or proprietary, or that is not in our possession. '' Presumably, Fay Servicing has mailed mortgage and other pre-foreclosure related documentation, including my mortgage account number, to the general building address and not to my personal residence. Private mortgage financial documents, including the account number, have been directed to the onsite Property Manager and/or Homeowners Association. I believe these were acts of Willful Negligence. The " General Building Address '' repeatedly appears on the Fay Servicing documents, including when referencing my account number.

Consumer Law requires a debt collector to validate the debt ; Fay Servicing is dismissing themselves of this requirement by stating they " do not have certain documents in their possession ''. 

A " Fair Debt Collection Practices Act Validation Notice '' dated XX/XX/2018, which was included in Fay Servicing response to me, includes line items such as Current Unpaid Escrow Balance : {$0.00}. Current Unpaid Accrued Interest : {$0.00} Partial Payment not yet Applied : {$0.00}. Late Charges : {$0.00}. Fay Servicing and XXXX fail to state the total amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: GA
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:
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 XX/XX/XXXX Inquires I didn't give permission to run my 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 non-monetary relief
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I deposited a check of {$6100.00} from my school. Chase bank immediately put a hold on my check until XXXX so they can confirm it. On the XXXX of XXXX I tried to use my card and it came up as suspected fraud. I went into my nearest branch to see what the issue was and they informed me that they suspended my account due to not being able to confirm with the " maker of the check ''. They also informed me that a letter from my school would clear it up. I then went to my school and spoke to the business office manager. He gave me the letter stating that I was awarded the money for school funding and attached his contact information as well. I went back into Chase with the letter they needed. The teller faxed over the letter and told me to check back in with them the next day. The following day I called the customer service line that deals with fraud and they never received a fax. I then go into Chase and ash the woman at the counter for help and explain my situation. She tries to help with no success. The fraud department then tells her that the only way I can get my funding is if the sender cancels the check and issues a new one. I informed my school of the news and they tried to do just that unfortunately the funds have already been taken so they could not cancel the check. On XXXX I went into the branch to see if any news on my account and Chase had permanently closed it. I don't know what else to do at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30
Company: Spring Oaks Capital, LLC
State: GA
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:
n accordance with the Fair Credit Reporting act Spring Oaks LLC, 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 I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX or YOU. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. The letter you sent was to a address I never lived at before. I do not have a sister and never have. This is proof that someone is impersonating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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:
I have a XXXX XXXX credit card XXXX which was CLOSED BY CONSUMER in XX/XX/2022 pursuant to my phone call made to XXXX. XXXX has willfully violated the FCRA by failing to promptly report the account as CLOSED BY CONSUMER on my credit reports. My credit reports for Equifax, XXXX and XXXX still inaccurately list my account as OPEN. Even though I have a perfect payment history ascribed have never been late, I demand statutory damages of {$1000.00} for willful violations of the FCRA for failing to timely report my account to any CRA as CLOSED BY CONSUMER as required. I therefore DISPUTE any stale balance which is now {$0.00} after providing a credit of {$1000.00} for statutory damages. Therefore, I demand that my credit reports contained the required caption of Account DISPUTED BY CONSUMER and that the closed and disputed captions remain permanently on my credit reports even if XXXX disagrees so that additional willful violations can be avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards XXXX & CapitalOne which use XXXX service ( run by CapitalOne ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and XXXX card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. CapitalOne just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as XXXX and CapitalOne take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Colony Brands, Inc.
State: WI
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:
Seventh Avenue showing up as a hard inquiry on my XXXX  credit report. I was previously advised by XXXX that it would be removed whena prvious complaint was filed in XX/XX/2022 and it was not removed. This is my second compliant. Orginally suspected this was inquiry ( along with others ) were a result of a data breach from another credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
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, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: ACS Education Services
State: VA
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 just found out from my current student loan servicer XXXXXXXX XXXX XXXX ( XXXX ) that back on XX/XX/2007 my other student loan servicer at that time ( ACS Education Services ) marked my account " disqualified '' for the 1 % interest rate reduction that is normally a borrower benefit program ( BBP ) that occurs " after 36 on-time installment payments within {$5.00} of the installment amount. '' I've discovered that this disqualification done by ACS that was notated on the account back in XXXX  was made in error, as there were no missed/late payments to justify the disqualification. I've verified that all payments were made on time, and this student loan account was always current. I've also verified this with the credit reports from that time. My monthly student loan payments have been on automatic bank withdrawal each month from the beginning. The 1 % interest rate reduction should have taken place in XXXX, and my account needs to be corrected accordingly. 
I can not reach out to ACS as they are no longer a company, and neither is Conduent Education services LLC who took over ACS. Conduent shut down operations in XXXX XXXX XXXX my current loan servicer stated they do not have access to my records from XXXX  as they were not the loan servicer at that time. I'm needing my student loan account corrected to backdate to XXXX  and reflect the 1 % interest rate reduction that should have taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: SUNTRUST BANKS, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a first mortgage with SunTrust Bank. My homeowners insurance is due for renewal on XX/XX/XXXX. The renewal premium is {$2900.00}. I logged onto my account today and notiiced this amount was paid to the insurance company on XX/XX/XXXX. However, I scrolled to the previous payment dated XX/XX/XXXX and noticed a duplicate payment of {$2900.00} to the same insurance company. 

My escrow balance is now {$2900.00} short to pay for my taxes which are due in XX/XX/XXXX! 

I have called SunTrust Bank and all I was told is that, " our systems are down and we can't help you now. '' I explained the situation and was told that, " I have to wait until the insurance company returns the money to me, and then I have to re-deposit this refund in my escrow account. '' This is not an acceptable answer to me. What controls are in place within SunTrust to prevent two payments for same invoice being processed within a week? Additionally, a similar incident with SunTrust happened two years ago related to my property tax payment! This loan is only three years old.

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 2017-08-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for XXXX XXXX. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a XXXX XXXX marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today X/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of XXXX XXXX it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under XXXX and then they need to report to the 3 bureaus. XXXX, XXXX, Equifax. please help me on this. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Optimum responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX  responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX  XXXX , acting as an agent for XXXX XXXX XXXX XXXX  XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED

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 2018-11-29
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX  responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX XXXX , acting as an agent for XXXX XXXX XXXX XXXX XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
The date is XX/XX/2018 thr time is XXXX I sit here making a complaint against The American Express Blurbird Card I usually get my Direct Deposit the day or 2 before everybody else I have been waiting patiently for this Direct Deposit only to find out this morning at around XXXX XXXX   that Bluebird is down for scheduled maintenance that was 7 hours ago I tried to call Bluebird and to see how long its going to be down and I keep getting disconnected the phone rings once then disconnects I have not heard of any updates nor have I gotten my Direct deposit that should of been here today I am so beyond upset with Bluebird and will no longer be a customer of theirs please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
My XXXX XXXX XXXX sent me a credit alert, stating a credit card balance over {$500.00} from Wells Fargo, which I do not have. Someone mustve used my personal info to open a credit card account under my name. I went to a local branch, but they dont see anything strange under my name. The only business I ever did with Wells Fargo was a balance transfer, which I paid off long ago. I never opened up any credit card accounts after that. The alert even showed I had a change of address, which I obviously didnt. This fraud account has dropped my credit score over XXXX points and its concerning me, as I work VERY HARD to pay all my accounts on time every month.

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 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
So Ive been waiting for two days to get my direct deposit and when I call the corporate office they just keep on saying that they dont have a estimated time on how long and it ridiculous because I have a life I have to tend to and I need my hard earned money its my grandmas birthday and I cant even get a gift for her like something has to happen

Company response to consumer: Closed with explanation